Guam Climate & Temperature. 1  Guam, Mariana Islands is at 1328'N, 14447'E, 75 m (247 ft). 2  Guam has a tropical wet climate (Kppen-Geiger classification: Af) with no dry or cold season as it is constantly moist (year-round rainfall).  The mean temperature is 27.5 degrees Celsius (81.5 degrees Fahrenheit).
Home equity line of credit (HELOC) A home equity line of credit (HELOC) lets you borrow up to a fixed amount, secured by the equity in your home, and withdraw your money as you need it over a specified time period. Typically, home equity lines of credit have a variable interest rate, variable term and variable monthly payment.
TERM DEFINITION Authorization Request Cryptogram (ARQC) A cryptogram used for a process called Online Card Authentication. This cryptogram is generated by the card for transactions requiring online authorization. It is the result of card, terminal, and transaction data encrypted by a DES key.