All APRs may vary. They are determined by adding the following margin to the Prime Rate¹: 3.99% for purchases, balance transfers and cash advances. <table><tr valign=top><td><font face=arial size=1>1</font></td><td><font face=arial size=1>The index to determine the interest rate will be the Prime Rate found in the Money Rate Section of the "Wall Street Journal" in effect on the last day of the month. Changes in the index will cause changes in the interest rate on the first day of the billing cycle immediately following any such change in the index. All rates are subject to change.</font></td><tr></table> All APRs may vary. They are determined by adding the following margin to the Prime Rate¹: 3.99% for purchases, balance transfers and cash advances.

1	The index to determine the interest rate will be the Prime Rate found in the Money Rate Section of the "Wall Street Journal" in effect on the last day of the month. Changes in the index will cause changes in the interest rate on the first day of the billing cycle immediately following any such change in the index. All rates are subject to change.