10.99 July 2010 10.99 18.99 As low as 10.99% Variable APR on purchases based on your credit history. 9.99 February 2011 Balance transfers for 6 months 5% for each balance transfer made under this offer, with a minimum $10. 10.99 18.99 3% for each cash advance with a minimum of $5 and no maximum $15 on balances up to $100; $39 on balances of $100 and greater. None on balances $1,000 or less; $39 on balances greater than $1,000 23.99 N/A Up to 28.99 fixed for billing periods ending on or before May 1, 2009; up to 29.99%* variable for billing periods ending after May 1, 2009. The standard card purchase APR may vary monthly and equals the Prime Rate + an amount between 7.74% and 15.74%. The cash advance APR may vary monthly and equals the Prime Rate + 20.74%. The standard Card purchase APR may vary monthly and equals the Prime Rate + 7.74%. The default APR may vary monthly and equals the Prime Rate + up to 15.24%, but such rate will never exceed 15.24%. The default APR may vary monthly and equals the Prime Rate + up to 15.24%, but such rate will never exceed 15.24%. At least 20 days when you pay your balance in full each month Average Daily Balance (including new purchases) 2 May 1, 2009 May 1, 2009 0 Unlimited Miles with no annual fee 0.50 May 1, 2008