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BALANCE

CREDIT LIMIT

INTEREST RATE

EXPORT DATA

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TUTORIAL

Use Financial Growth to grow your sapling into a mighty tree by achieving the goals of the scenarios!

Your Financial Growth relies upon keeping your roots happy and growing!

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CHARGES SUMMARY

Annual Percentage Rate (APR) for Purchases	18%
APR for Balance Transfers	24% This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	22% This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	32% This APR may be applied to your account if you: Make a late payment; Go over your credit limit twice in a six-month period; Make a payment that is returned; or Do any of the above on another account that you have with us. How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your credit limit during that time period.

Annual Fee	None
Transaction Fees
Balance Transfer	Either $5 or 3% of the amount of each transfer, whichever is greater (maximum fee: $100).
Cash Advance	Either $5 or 3% of the amount of each cash advance, whichever is greater.
Foreign Transaction	2% of each transaction in U.S. dollars.
Penalty Fees
Late Payment	$29 if balance is less than or equal to $1,000; $35 if balance is more than $1,000
Over-the-Credit Limit	$29
Returned Payment	$35
Other Fees
Required Account Protector Plan	$0.79 per $100 of balance at the end of each statement period. See back for details.

OVERVIEW

SCHUMER BOX

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