Credit Card Rate Sheet
& Initial Disclosure 11/1/2011

Platinum Rewards Visa Card

INTEREST RATES AND INTEREST CHARGES

Credit Score

740 +

739 to 700

699 to 660

659 to 610

609 to 560

559 or below

Annual Percentage Rates 
(APRs) for Purchases

Annual Percentage Rates 
(APRs) for Cash Advances & 
Balance Transfers (processed 
as a Cash Advance)

7.99% 10.49%

10.99%

11.99%

13.49%

15.49%

When you open your account, the applicable APR is based on creditworthiness.  After that, your APR will be calculated by adding a margin to the Prime 
Rate.*

7.99%

10.49%

10.99%

11.99%

13.49%

15.49%

When you open your account, the applicable APR is based on creditworthiness.  After that, your APR will be calculated by adding a margin to the Prime 
Rate.*

Penalty APR 

None

How to Avoid Paying Interest 
on Purchases

Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that 
you pay 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

None

Transaction Fees 

Penalty Fees

Cash Advance

None

Foreign Transaction
Late Payment

Up to 2% of the US dollar amount of the foreign transaction

$20

How We Will Calculate Your Balance:  We use a method called "average daily balance" (including new purchases). See your account agreement for more details.

Classic, Secured & Choose Local Visa Card

INTEREST RATES AND INTEREST CHARGES

Credit Score

740 +

739 to 700

699 to 660

659 to 610

609 to 560

559 or below

Annual Percentage Rates 
(APRs) for Purchases

Annual Percentage Rates 
(APRs) for Cash Advances & 
Balance Transfers (processed 
as a Cash Advance)

Penalty APR 
How to Avoid Paying Interest 
on Purchases

9.99% 12.49%

12.99%

13.99%

15.49%

17.49%

When you open your account, the applicable APR is based on creditworthiness.  After that, your APR will be calculated by adding a margin to the Prime 
Rate.*

9.99%

12.49%

12.99%

13.99%

15.49%

17.49%

When you open your account, the applicable APR is based on creditworthiness.  After that, your APR will be calculated by adding a margin to the Prime 
Rate.*

None

Your due date is approximately 25 days after the close of each billing cycle. We will not charge any interest on the portion of the purchases balance that 
you pay 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

None

Transaction Fees 

Cash Advance

None

Foreign Transaction

Up to 2% of the US dollar amount of the foreign transaction

Penalty Fees

Late Payment

$20

How We Will Calculate Your Balance:  We use a method called "average daily balance" (including new purchases). See your account agreement for more details.

Additional Information

Variable Rate Information:* The index used to determine the U.S. Prime Rate is published in The Wall Street Journal (Western Edition) on the third (3rd) Tuesday of March, June, September, 
and December of each calendar year. If the third (3rd) Tuesday is a holiday, we will use the Prime Rate published the next day. If more than one Prime Rate is published we may choose the 
highest rate. If The Wall Street Journal (Western Edition) ceases publication or ceases to publish the Prime Rate, we reserve the right to use the Prime Rate published in any other newspaper 
of general circulation, or we may substitute a similar reference at our sole discretion. We may change the above rates, fees, and other cost information at any time in accordance with 
applicable law, along with the applicable Credit Account Agreement and Disclosure, that will be sent to you.

Margins for APR's:

Platinum Rewards Visa Card - 4.74%, 7.24%, 7.74%, 8.74%, 10.74% and 12.24% respectively.

Classic & Secured Visa Cards - 6.74%, 9.24%, 9.74%, 10.74%, 12.24% and 14.24% respectively.

Choose Local Visa Card -  6.74%, 9.24%, 9.74%, 10.74%, 12.24% and 14.24% respectively.

 We reserve the right to amend the Visa Credit Card Agreement as permitted by law.  The above rates and fees are current as of 11/01/2011

 In order to receive the Choose Local discount you must present your Choose Local membership card at the time of purchase with the participating merchants.