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Given the changing interest rate environment, this information may have changed after that date. Subject to applicable law, the Cardholder Agreement also permits Merrick Bank to make changes to the Terms and Conditions of the Account after the account is opened.

To find out what may have changed, and to get the most current rates, please write to us at Merrick Bank, P. Existing Merrick Bank cardholders, residents of the Virgin Islands, Wisconsin, or Puerto Rico, and individuals with foreign or FPO/APO addresses.

Your Payment Due Date is at least 25 days after the close of each Billing Cycle.

We will not charge you interest on Purchases if you pay your entire New Balance by the Payment Due Date.

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Based on an initial credit limit of 0, the initial available credit will be about 4. If the Prime Rate* increases, your APR will increase accordingly, Funds must be received within 30 days to complete the application process.

All past-due amounts, any Annual Fee billed monthly, any Additional Card Fee billed monthly plus the greater of the following amounts: (i) 1% of your New Balance plus Late Fees, Cash Advance Transaction Fees, Over Limit Fees, Returned Payment Fees, and Interest Charges billed during the billing cycle for which the Minimum Payment is calculated, as shown on that periodic statement, rounded to the next-higher dollar; or (ii) .

You agree that if you sign the Card or use your Account or the Card to obtain credit, that will constitute acceptance of the Cardholder Agreement that will be provided to you with your Card, which is governed by both Utah law and applicable Federal law.