<?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>