* APR is Annual Percentage Rate. The ANNUAL PERCENTAGE RATE (APR) is a variable rate and is based on the Wall Street Journal Prime
Rate (Index), plus a margin. The margin for VISA Student, VISA Platinum and VISA Platinum Rewards cards is based on certain
creditworthiness criteria. The APR is subject to change monthly on the first day of the billing cycle to reflect any change
in the index. We will use the index value from the first day of the billing cycle month to implement the rate change. Any increase
in the APR will result in additional payments of the same amount until what you owe has been repaid.
Application & Solicitation Disclosure.