23.48% (variable)

Delinquency Rate * 28.99% (fixed)

Variable Rate Information
The APR may vary. The Purchase Standard Rate and Cash Standard Rate APRs will equal the prime rate plus 15.23%, but in no event will be less than 21.98%. The Delinquency Rate APR for Purchases and Cash Advances will equal the prime rate plus 20.74%, but in no event will be less than 26.99%. The "prime rate" for a billing period is the highest bank prime loan rate, as published in the Money Rates section of The Wall Street Journal, on the 5th business day before the first day of the billing period.

Grace Period for Repayment of the Balance for Purchases
25 days if no previous balance and full payment is made; otherwise none.

Method of Computing the Balance for Purchases
Two Cycle Average Daily Balance (Including New Purchases)

Minimum Finance Charge
$1.50

Late Payment Fee: $15 if the Balance is $0 - $99.99; $29 if the Balance is $100.00 - $999.99; and $35 if the Balance is $1000 or more. (Balance means Previous Balance on Statement that shows the Late Fee.)

Overlimit Fee: $30

Returned Check Fee: $30

Transaction Fee for Cash Advances: 4% of the amount of each cash advance, but not less than $5.

Transaction Fee for Balance Transfers: 4% of the amount of each balance transfer, but not less than $5.

*If you do not make your required Minimum Payment by the Payment Due Date two times in any six consecutive billing periods, the Delinquency Rate (rather than the Standard Rate) will apply to all existing balances on your Account and all new transactions beginning with the first day of the billing period in which you missed your second Payment Due Date. Once the Delinquency Rate applies, if you make any required Minimum Payment by the Payment Due Date in twelve consecutive billing periods, the next Statement you receive will reflect the Standard Rate (rather than the Delinquency Rate) which will apply to all existing balances on your Account and all new transactions beginning with the first day of the billing period reflected on that Statement.

The information about the costs of the Card described above is accurate as of 12/01/06. This information may have changed after that date. To find out what may have changed, write us at RSF FCRA, P.O. Box 981439, El Paso, TX 79998-1439. The terms of the agreement may be changed by us as provided in the agreement.