Annual Percentage Rate (APR)
Currently 10.95% with fee card and 12.95% with no-fee card (as of April 2008)

Variable rate is the New York Prime Rate plus 5.7% for Annual Fee Card or plus 7.7% for No-Annual fee card, as published in the Wall Street Journal on the 1^st business day of January, April, July and October.

Minimum Finance Charge = $.50
Grace Period
Purchases: 25 days
Cash Advances: None*
Balance Computation Method
Average Daily Balance, including new purchases.
Late Payment Fee: $1-$100 = $19, $101-$1,000 = $29, $1,001 and over =$39
Over-The-Limit-Fee = $30.00
Returned Check Fee = $20.00
Replacement Card Fee = $5.00
*Cash Advance Fee
2% of transaction amount, $2 minimum; $10 maximum

*A Finance Charge will be imposed on credit purchases only if you elect not to pay the entire new balance down on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement.  If you elect not to pay the entire New Balance shown on your previous monthly statement within that 25-day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new credit purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the  preceding the date on which the entire New Balance is paid in full or closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment is more than 25 days from the closing date.

 The Finance Charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle.  Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance to the Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Financing Charges.

 A finance charge will be assessed on cash advances from the date of the cash advance, or the first day of the billing cycle in which the cash advance is posted, whichever is later, and will continue to accrue until payment in full is made.  Cash Advances will be calculated in the same manner as explained for Credit Purchases.