*The Annual Percentage Rate (APR) for new secured, used secured , and signature new variable rate advances and existing balances are based on the 3 month T-Bill rate as quoted in the Wall Street Journal, plus the applicable percentage shown in the addendum. Using the most recent index value available to us on the 28th day of the month we will alter the APR if needed on the 1st day of each month. The APR will not exceed 12.00% on secured advances and 15.00% on signature advances. Any increase to the APR will result in more payments of the same amount until what you owe has been repaid. The rate will not go below 5.25% on secured advances and 9.00% on signature advances.