Share-Secured Credit Card Application Disclosure  

Interest Rates and Interest Charges 

Annual Percentage Rate 
(APR) for Purchases 

17.89% 

APR for Balance Transfers 

17.89%, This APR will be the same as the APR for purchases. 

APR for Cash Advances 

17.89%, This APR will be the same as the APR for purchases. 

Penalty APR and When it 
Applies 

18.00% 
This APR may be applied to your account if you make a late payment. 
How Long Will the Penalty APR Apply? If your APR is increased, the Penalty APR 
will apply until you make six consecutive minimum payments when due. 

How to Avoid Paying 
Interest on Purchases 

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

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 

Transaction Fees 
•  Foreign Transaction 

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

Other Fees 

•  Replacement Card 

$0 

1% of each transaction in U.S. dollars 

$20 or 5% of the minimum payment due, up to a maximum of $25 

Up to $20 

Up to $20 

$20 for each card replaced due to lost or stolen card 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 

This information was printed on [date] and is accurate as of that date and may have changed after that date. To find 
out what may have changed, please contact us at 1-800-678-8765 or 757-552-1000. 

**The use of this card is subject to funds availability on the share account for which the funds are secured.