<!DOCTYPE para PUBLIC "-//OASIS//DTD DocBook V3.1//EN"> <para> An annual percentage rate (<abbrev>APR</>) 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>