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        (https://campaign.documatix.com/DM/DPS/WebForms/WebForm/8D4D5A9EE9233A42)
        Visa� Credit Cards
        Log in to UChoose Rewards (https://www.uchooserewards.com/members/home.php?
        sid=40XXdKrlo40&popup=thttps://www.uchooserewards.com/members/home.php?
        sid=40XXdKrlo40&popup=t)� and see the possibilities! 
                        (https://www.uchooserewards.com/members/home.php?
        sid=40XXdKrlo40&popup=t)
        Features a rate as low as 9.9% APR* 
        Every time you use your VISA MyRewards card, your purchases turn into cash, airline tickets, hotel discounts
        and brand-name gifts�- that's because you earn one point for every dollar spent on retail purchases.
          Earn valuable points with every purchase for cash, worldwide travel and gift certi?cates at hundreds of
          stores
          Earn bonus points throughout the year
          Simple online redemption of points through our UChoose* Rewards
          (http://www.UChooseRewards.com) partner
        For more information please click here (/home/visa/uchoose).
        Here are just a few examples of what your UChoose Rewards points can earn you, in addition to cash back:
                                            Gift
                  Travel Rewards                   Merchandise Rewards
                                           Cards
        Round trip airfare tickets to anywhere in the 48 Bose Quiet Comfort 15�
                                         Starbucks�
        contiguous United States                  Headphones
                                         Shell�
        Hotel nights at major cities available at the Sheraton, Ritz Sony� CD/AM/FM Stereo Clock
                                         Best Buy
        Carlton�, Fairmont�, and the Marriott�    Radio with iPhone and iPod dock
                                         Pottery Barn�
        Avis Car Rentals                 Macy's   KitchenAid� stand mixer
                                         Regal    Fitbit� - Flex Wireless Activity &
        Event Tickets for theater, sports and concerts
                                         Entertainment Sleep Tracker Wristband
        (http://www.uchooserewards.com)
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        The catalogue of items available to shop from changes frequently.� Items listed above are for example
        purposes only and may not�be available at the time of redemption.� All items in the catalogue are subject to
        change.
        Share Secured VISA
        Get all the perks of a Visa Credit Card with a Share Secured Visa, secured by your savings account. The
        Share Secured Visa is a great way to build or rebuild credit.
        Interest Rates and Interest Charges
        �      Loyalty Rewards Visa MyRewards Visa Share Secured Visa
        Annual
        Percentage 8.90% to 18.00%  9.90% to 18.00%  13.99% to 17.99% 
        Rate   based on your credit based on your credit based on your credit
        (APR) for worthiness worthiness   worthiness
        Purchases
        APR for 8.90% to 18.00%  9.90% to 18.00%  13.99% to 17.99% 
        Balance based on your credit based on your credit based on your credit
        Transfers worthiness worthiness   worthiness
               8.90% to 18.00%  9.90% to 18.00%  13.99% to 17.99% 
        APR for Cash
               based on your credit based on your credit based on your credit
        Advances
               worthiness    worthiness   worthiness
        Penalty APR
        and When it None
        Applies
               Your due date is at least 25 days after the close of each billing cycle.�
        How to
               We will not charge you any interest on purchases if you pay your
        Avoid Paying
               entire balance by the due date of each month.� We will begin charging
        Interest on
               interest on cash advances and balance transfers on the transaction
        Purchases
               date.
        Minimum
        Interest None
        Charge
        For Credit
        Card Tips To learn more about factors to consider when applying for or using a
        from the credit card, visit the website of the Consumer Financial Protections
        Federal Bureau at: http://www.consumer?nance.gov/learnmore
        Reserve (http://www.federalreserve.gov/creditcard) .
        Board
        Fees
        Annual Fee None
        Transaction
        Fees
        � -� Balance
        Transfer  None 
        � -� Cash None 
        Advance  Up to 1% of the transaction amount
        � -� Foreign
        Transaction
        ����
        Penalty Fees 
         
                
               5% (minimum late fee is $20.00, maximum late fee is $30.00) of the scheduled
        � -� Late payment if not paid within 5 days of the payment due date 
        Payment   
        �       
               $20.00 each month your balance exceeds your credit limit by $200.00 or 10% � -� Over-the-
               whichever is less  Credit Limit 
                 � 
               �
        �
               $25.00
        � -� Returned
        Payment
        A full VISA disclosure will be sent to you upon approval. 
        * APR-Annual Percentage Rate 
        ** We will give you the best possible rate based upon your quali?cations.
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        Travel Tips (/home/?Files/static/documents/2017-07-Travel-Tips.pdf)
        UChoose Rewards (/home/visa/uchoosenew)
        Card Tips (/home/visa/myrewardsnew/tips)
        Lost or Stolen Cards (/home/visa/myrewardsnew/lost)