29.99% (variable)

Delinquency Rate * 29.99% (fixed)

Variable Rate Information

Grace Period for Repayment of the Balance for Purchases
23 days if no previous balance and full payment is made; otherwise none.

Method of Computing the Balance for Purchases
Average Daily Balance (Including New Purchases)

Minimum Finance Charge
$2.00

Late Payment Fee: $29.99 for a balance of $249.99 or less and $39.99 if the balance is $250.00 or more

Returned Check Fee: $39.99

Transaction Fee for Cash Advances: 4% of the amount of each cash advance, but not less than $5.

Transaction Fee for Balance Transfers: 4% of the amount of each balance transfer, but not less than $5.

Debt Cancellation: Minimum $.99/$100 to $1.50/$100 of Average Daily Balance.

*If you do not make your required Minimum Payment by the Payment Due Date or you make a payment that is not honored by your bank, the Delinquency Rate will appli to your existing balances and future transactions as disclosed in the notice we will provide to you as required by law.

The information about the costs of the Account described herein is accurate as of 02/01/2010. This information may have changed after that date. To find out what may have changed, write us at GEMB, P.O. Box 981439, El Paso, TX 79998-1439. We may, at any time and for any reason change add or delete provisions of the governing credit card agreement, including increasing rates or fees. These changes may affect existing balances as well as future transactions. We will send you notice of any change as required by applicable law.