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*Prime rate as published in The Wall Street Journal on the first business day of March, June, September and December will be used to determine the rates for billing cycles closing on or after the first day of April, July, October and January, respectively. An increase in Prime will increase the variable Daily Periodic Rate (and corresponding annual percentage rate) and may increase the finance charge and the minimum monthly payment due on your account. At the date this application was printed, the information listed above was accurate. Because rates and terms are subject to change, you may contact us for the information by writing to us.