MASTERCARD APPLICATION  Effective December 1, 2009 Rates subject to change without notice MASTERCARD RATES Loan Type Percent Down Term Rate Mastercard N/A 30 Day Grace/No Annual Fee 5.90% - 18.00% APR Mastercard Gold N/A 30 Day Grace/No Annual Fee 5.90% - 18.00% APR APR-Annual Percentage Rate Mastercard application Gold Mastercard appplication