A change is being made to your account terms. If you are already being charged a higher Penalty APR for purchases: in this case, any changes to APRs described will not go into effect at this time. These changes will go into effect when the Penalty/APR no longer applies to your account.
You have the right to reject the change prior to the effective date of the change. If you choose to reject the change, you can contact our Lending Team at 1-800-448-1990 and request to opt out. If you reject the change, your ability to use the account for further advances will be terminated or suspended.