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Visa® Platinum Variable Rate Information (CURRENT RATE 10.25% APR as of 1/1/15) – Your Annual Percentage Rate may vary quarterly, and will be determined according to an index. The index is the highest prime rate charged by banks as published in the Money Rates Column in the Wall Street Journal as of the last business day of each quarter. Quarter is defined as a calendar quarter beginning January 1, April 1, July 1 and October 1. Your Annual Percentage Rate is equal to the index plus 7%. An increase in the index will result in an increase in your Annual Percentage Rate. Any increase or decrease in the Annual Percentage Rate will take effect on the first day of the following months billing cycle. These rates will be rounded up to the next 0.25%. The maximum rate will be 18%. Rates and eligibility subject to credit score and analysis.