*The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. An annual Fee of $15 will be charged annually (waived the first year). A $5 advance fee is charged each time an advance is made from the line of credit. A late payment fee of $5 will apply if a payment is 15 days or more late. Interest does not accrue until credit line is advanced. Minimum advance is $100. The minimum monthly payment is based on the outstanding balance. If your outstanding balance is over $500, the minimum monthly payment will be 5% of the outstanding balance. If your outstanding balance is $500 or less, the minimum monthly payment will be the lesser of the outstanding balance or $25. You may prepay all or any amount owing under the credit at any time without penalty.
