All loans subject to credit approval and membership eligibility. Rate is based on creditworthiness and other factors, and may be higher than the rate shown. Rates and terms subject to change without notice. APR=Annual Percentage Rate.

*The Personal Line of Credit rate is variable, based on the Prime Rate as published in The Wall Street Journal Money Rates Table (the “Index”) plus a margin. This product does not qualify for Membership Rewards discounts. The minimum monthly payment is the greater of $25.00 or 2.5% of the outstanding principal balance of the credit line plus accrued interest and other fees and charges billed to the account during the monthly billing period.

**The Personal Loan rate is a fixed rate, and includes an Ambassador Membership Rewards level bonus discount of 1.00%, which must be maintained throughout the loan term to receive the discounted rate. Longer loan terms are available at higher loan rates.

Payment Example: A 36-month Personal Loan at 9.74% APR would result in monthly payments of $32.15 for each $1,000 borrowed.