Any application form or preapproved written solicitation to enter into a credit card agreement for personal, family, or household purposes which is mailed to an individual residing in this state on or after January first, nineteen hundred eighty-eight, by or on behalf of a issuer, whether or not the issuer is located in this state, other than an application form or solicitation included in a magazine, newspaper, or other publication distributed by someone other than the issuer, and, any application primarily for a credit card to be used for personal, family or household purposes which is distributed or made available in this state to a resident of this state on or after January first, nineteen hundred eighty-eight in an office or other place of business owned or operated by the issuer, shall contain the following disclosures in chart form and shall put chart headings in bold face type of at least ten point in size and material inside the chart of at least eight point type in size. Such chart shall use substantially the same format and terminology shown below. In completing the chart with the information required for each category, the guidelines hereinafter contained in the corresponding subdivisions numbered one through four shall be utilized: _________________________________________________________________________ 1 | | | |Cash Advance | 2 | Variable | | |Fee, Trans- | 3 Annual | Rate Index | Annualized | Grace | action Fee, | 4 Percentage | and | Membership | Period for |Late Fee, and| 5 Rate (1) | Spread (1a) | Fee (2) |Purchases (3)| Over-the- | 6 | | | |Limit Fees(4)| 7 | | | | | _________________________________________________________________________ 8 | | | | | 9 | | | | | 0 | | | | | 1 | | | | | 2 | | | | | 3 | | | | | 4 | | | | | _________________________________________________________________________ (1) and (1a) Any periodic rate or rates that may be applied, shall be expressed as an annual percentage rate or rates. If the credit card agreement provides for a variable rate, the issuer shall disclose the rate as of a specific date and identify the index and any amount or percentage added to, or subtracted from, that index. For purposes of this category, that amount of percentage shall be referred to as the “spread”. If a fixed rate is to be applied, the issuer shall indicate “No” or “None” or “Does not apply” in category (1-a) and further the issuer may elect to disclose a rate as of a specified date.