*Certain restrictions apply on closing costs and is subject to collateral review and credit approval. Programs, rates, terms and conditions are subject to change without notice. Maximum rate is 6% above the initial rate when account was opened and is not to exceed 21%. Minimum monthly payment will equal the greater of the amount of the accrued finance charges on the last day of the billing cycle or $20.00. The periodic rate is .3750% per month for cash advances and purchases. No transaction fee for cash advance/purchases. No grace period for cash advances. Minimum credit limit is $5,000. Maximum credit limit $100,000. Rate subject to change. Consult your tax advisor for tax-deductibility. Credit application required.