Credit card agreement

Latitudeo Mastercardo Credit Card

As ofApril23 2026

The Latitude Mastercard credit Card offers convenience, flexibility and a competitive rate, so you can afford to pay for the things you need.

nterest Rates and Interest Charges Prcha ercentage Rate (APR ) for0.00% ntroductory APR fr the frst 15 monthybiing cyles After that, your APR will be 18.49% to 25.49% based on vour creditworthinessThisAPRwivarvwiththe marketbased on the Prime Rate

APR for Cash Advances27.49% This APR will varv with the market based on the Prime Rate

APR for Balance Transfers0.00% Introductory APR for the frs 15 monthly biling cycles following account opening when balance is transferred within the first 6o days following account opening. After that, your APR will be 18.49% to 25.49% based on vour creditworthiness. ThisAPRwil vary wth themarketbased on the PrimeRate

P aying InterestYour payment due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pavvour entire balance bv thedue date of each month.wewil begin chargingintereston cash advances convenience check advances and balance transfers on the transacton date

Minimum Interest chargeIf you are charged interest, the charge will be no less than $o.5o

For Credit Card Tips from theTo learn more about factors to consider when applying for or using a Consumer Financial Protectioncredit card, visit the website of the Consumer Financial Protection BureauBureau at: http://www.consumerfinance.gov/learnmore

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Rush Order Fee-Card Replacement s25if expedited delivery is requested Billing Rights: Iniormation on your rights to dispute transactions and how to exercise those rights is provided in your Cardmember Hgreeen How We Calculate Your Balance: We use a method called the average daily balance method including new purchases Loss of Introductory APR: If you make a late pavment, we mav end offering you a lower introductory APR and begin charging you the higher APR Tor both Purchases and Balance Transrers that is speciried in the table above and scheduled to take effect aiter the introductorv APR is no longer effective Your APRs are variable rares thar wil be calculated by adding a "spread" or "margin" o an index. The index is the Prime Rare as published in the "Monev Rates section of The Wall Street Journal. At the end or vour billing period, we look at the Prime Rate as published on the last business dav or the previous calendar month to determine vour index. An increase or decrease in the index will cause a corresponding increase or decrease in your variable rates effective as of the first dav or your billing cvcle that begins in the same month in which such change in the index is published If the APR increases you will pav a higher interest Charge and may have a higher Minimum Payment. If The Wall Street Journal ceases to publish the Prime Rate, or if it changes the deninition or the US. Prime Rate, we mav in our sole discretion. substitute another index Once anv introductory APR period has expired to determine the APR tor Purchases we add 11.74% - 18.74% to the Prime Rate, to determine the :PR1or Balance Transters. we add 11.74 - 1874% to Te Prime Rae and to deermine the APR or Cash Advances. we add 2o.74%tothePrime Rate.Ailrates are determined based on credtworthiness Subjectto credit approval.