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by multiplying your “average daily balance” for Cash Advances and/or. Balance Transfers, as applicable, by the “Periodic Rate” defined below. If any periodic Finance Charge is due, we will charge you at least the minimum interest charge. 4. Periodic Rate. Unless an introductory rate or Penalty APR is in effect, the. ANNUAL 

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means the Business Credit Card Application and Agreement and related documents completed in order to open the. Business Account. By accepting, signing or Balance Transfer that the credit has been refused, that there are insufficient funds to pay the Check Cash Advance or. Balance Transfer, or in any other manner.