Credit Card Disclaimer

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Please Read Disclosure Statement Before Continuing

Visa Platinum:

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate
(APR) for Purchases

8.75% (as of 1/1/12)

This APR will vary with the market based on the Prime Rate

APR for Balance Transfers

8.75% (as of 1/1/12)

This APR will vary with the market based on the Prime Rate

APR for Cash Advances

8.75% (as of 1/1/12)

This APR will vary with the market based on the Prime Rate

Penalty APR

N/A

How to Avoid Paying Interest on Purchases/Paying interest

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on purchases if you pay your entire balance by the due date each month

Minimum Interest Charge

N/A

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard

FEES

Annual Fee

N/A

Transaction Fees
∙Balance Transfer
∙Cash Advance
∙Foreign Transaction


N/A
3% of the amount but not less than $5.00
1% of each transaction in U.S. dollars

Penalty Fees
∙Late Payment
∙Over-the-Credit-Limit
∙Returned Payment


$15.00
N/A
$20.00

How we will calculate your balance:  We use a method called “average daily balance (including new purchases)”

MasterCard and Visa Classic

INTEREST RATES AND INTEREST CHARGES


Annual Percentage Rate
(APR) for Purchases

10.75% (as of 1/1/12)

This APR will vary with the market based on the Prime Rate

APR for Balance Transfers

10.75% (as of 1/1/12)

This APR will vary with the market based on the Prime Rate

APR for Cash Advances

10.75% (as of 1/1/12)

This APR will vary with the market based on the Prime Rate

Penalty APR

N/A

How to Avoid Paying Interest on Purchases/Paying interest

Your due date is at least 25 days after the close of each billing cycle.  We will not charge you any interest on purchases if you pay your entire balance by the due date each month

Minimum Interest Charge

N/A

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard

FEES

Annual Fee

None for one card $15.00 for both

Transaction Fees
∙Balance Transfer
∙Cash Advance
∙Foreign Transaction


N/A
3% of the amount but not less than $5.00
1% of each transaction in U.S. dollars

Penalty Fees
∙Late Payment
∙Over-the-Credit-Limit
∙Returned Payment


$15.00
N/A
$20.00

How we will calculate your balance:  We use a method called “average daily balance (including new purchases)”

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