Express Credit Line Rate and Fee Disclosure
Rates effective __PERSONAL_LOAN_EFFECTIVE_DATE__
Express Credit Line
|Subaccount Name||Approximate Term||Account Opening Disclosure||Daily Periodic Rate|
|Interest Rate and Interest Charges|
|Express Credit Line Under $2,500||up to 36 months||17.88%||0.048986%|
|Express Credit Line $2,500 and over||up to 60 months||__EXPRESS_CREDIT_LINE_APR__||0.038027%|
Minimum Payment: Your minimum payment will never be less than $50. Bank On Your Own Express Credit Line minimum payment will never be less than $20.
How We Will Calculate Your Balance: We will use a balance computation method called daily balance. See your account Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.
Late Payment Fee: A late charge of $25 will be added to your loan if the payment is more than 10 days delinquent.
Returned Payment Fee: If your payment is returned to us, you wil be charged $28 for each returned payment.