Which of the following disclosures must appear in an advertisement for open-end credit triggered by specific terms?

In the context of advertising for open-end credit, when specific terms are triggered, all of the disclosures mentioned become mandatory to ensure compliance with Regulation Z under the Truth in Lending Act. This regulation is designed to promote transparency and help consumers make informed financial decisions.

When specific terms are advertised, disclosures must include the periodic interest rate expressed as an Annual Percentage Rate (APR). This allows consumers to easily understand the cost of borrowing over the year and compare it with other credit offers.

Additionally, any minimum charge that might be imposed during the course of the credit agreement is crucial information. Consumers should be aware of any fees that could affect their financial obligations and the total cost of credit.

Lastly, if there are any membership or participation fees associated with the open-end credit, these must also be disclosed. This ensures that consumers are fully informed of any upfront costs or recurring fees that could impact their overall experience with the credit product.

Therefore, all of these disclosures collectively provide a clear picture to consumers, aligning with the transparency objectives of Regulation Z. This comprehensive approach helps prevent misunderstandings regarding the terms and costs associated with open-end credit, reinforcing consumer rights and informed decision-making.