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<?xml version="1.0"?>
<!DOCTYPE para PUBLIC "-//OASIS//DTD DocBook XML V4.1.2//EN" "http://www.oasis-open.org/docbook/xml/4.1.2/docbookx.dtd">
<para>
An annual percentage rate (<abbrev>APR</abbrev>) of 13.9%<footnote><para>
The prime rate, as published in the <citetitle>Wall Street
Journal</citetitle> on the first business day of the month,
plus 7.0%.
</para></footnote>
will be charged on all balances carried forward.
</para>
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