Credit Card 
Agreement and 
Disclosure 

FEATURING 

VISA Platinum 

Nationwide Bank'" 
On Your Side" 

FEDERAL 

THIS  IS  YOUR  CREDIT  CARD  AGREEMENT  AND  IT  INCLUDES 
NECESSARY 
TRUTH-IN-LENDING  DISCLOSURE 
STATEMENTS,  VISA  PLATINUM  AGREEMENTS,  AND  ANY 
SPECIAL  INSTRUCTIONS  REGARDING  THE  USE  OF  YOUR  VISA 
PLATINUM  CREDIT  CARD  AND  ANY  ACCOUNT  ACCESS  DEVICE. 
PLEASE  BE  CERTAIN  TO  READ  THIS  AGREEMENT  CAREFULLY 
AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

DEFINITIONS. In this card Agreement. The reference to “We”, "Us", 
"Our” and "Bank" mean NATIONWIDE BANK. The words 'You' and 
“Your” mean each person who accepts this Agreement or uses the VISA 
Platinum Credit Card. The words "Card" and "Credit Card" mean any 
VISA Platinum Credit Card issued to You by Us and any duplicates or 
renewals. The word "Account" means the credit available to You under 
the terms of this Agreement. Convenience Checks mean the special 
Account access devices that We may provide for Your use from time to 
time. If this is a joint Account, read singular pronouns in the plural. 

PROMISE TO PAY. You, as the Borrower, under a Credit Card 
Agreement and Disclosure, understand that the following terms and 
conditions constitute Our Agreement with You. Your Account may be 
accessible through a variety of means which could include vouchers, 
checks, charge slips, convenience checks, Credit Cards and the like. 
Regardless of the access means, You promise to pay Us all amounts 
charged to Your Account by You or by any user who has access to Your 
Account, with actual, apparent or implied authority for use of Your 
Account, including Finance Charges and other fees or charges 
described herein. 

USE OF YOUR CARD. You may use Your Card to buy goods and 
services in any place that It is honored and to get cash advances at 
participating financial institutions. You agree not 
to use Your Card for illegal transactions including, but not limited to, 
advances made for the purpose of gambling and/or wagering where 
such practices are in violation of applicable state and/or federal law.   

SECURITY.  Collateral (other than household goods or any dwelling) 
given as security for any other loan You may have with Us will secure all 
amounts You owe Us now and in the future if that status is reflected in 
the “Truth-in-Lending  Disclosure" in any particular Agreement 
evidencing such debt. 

LINE OF CREDIT LIMITS. You will be notified of each specific Credit 
Limit for each Credit Card for which You are approved. Unless You are 
in default, any Credit Limits established for You will generally be self-

replenishing as You make payments (except to the extent that  
payments credited to your Account may not replenish Your Credit Limit 
for a period of 10 calendar days following the date such payment is 
received). You will keep Your unpaid balance within Your Credit Limit 
set by Us, and You will pay any amount over Your Credit Limit on Our 
demand whether or not We authorize the advances which caused You 
to exceed Your Credit Limit. Even if Your unpaid balance is less than 
Your Credit Limit, You will have no credit available during any time that 
any aspect of Your Account is in default. 

JOINT ACCOUNTS. Each Borrower will be responsible, jointly and 
severally, for the repayment of any amounts owed. If any Account 
access device, such as a Personal Identification Number (PIN) is 
requested and approved, You understand that any such account access 
device(s) will be mailed only to the primary Borrower at the address that 
We have on file for You. We may refuse to follow any instructions which 
run counter to this provision. 

MINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though 
You need only pay the Minimum Monthly Payments, You understand 
that You have the right to repay at any time without penalty. You also 
understand that You will only be charged periodic Finance Charges to 
the date that You repay Your entire balance.  You may make larger 
payments without penalty.  Any partial payment or prepayment will not 
delay Your next schedule payment.  All payments to Us must be in 
lawful money of the United States.   

Payments made in excess of the Total Minimum Payment Due will be 
applied to the balance with the highest Annual Percentage Rate and 
any remaining portion to the other remaining balances in descending 
order based on the applicable Annual Percentage Rate.   

Your Payment Due Date will remain the same day of the month and will 
be at least 25 days from the close of the billing cycle.   

Any unpaid portion of the Finance Charge will be paid by subsequent 
payments and will not be added to Your principal balance. You 
understand that any delay in the repayment of Your unpaid balance will 
increase Your periodic Finance Charges and any acceleration in the 
repayment of Your unpaid balance will decrease Your periodic Finance 
Charges.  

Minimum Monthly Payments will be an amount equal to 2.50% of Your 
new unpaid balance at the end of each billing cycle, subject to the 
lesser of $50.00 or Your balance, plus any portion of the Minimum 
Payments shown on prior statement(s) which remains unpaid, plus any 
amount that exceeds Your approved Credit Limit. You may, by separate 

1 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
agreement, authorize Us to charge Your payment directly to Your 
savings or checking account. 

FINANCE CHARGES. In the case of any transactions under Your 
Account, the balances subject to the periodic Finance Charge are the 
average daily transactions balances outstanding during the month (new 
and previous). To get the average daily balance, We take the beginning 
balance of Your Account each day, add any new purchases. cash 
advances, insurance premiums, debit adjustments or other charges and 
subtract any payments, credits and unpaid Finance Charges. This gives 
Us the daily balance. Then. We add up all the daily balances for the 
billing cycle and divide them by the number of days in the billing cycle. 
The Finance Charge for a billing cycle is computed by multiplying the 
average daily balance subject to a Finance Charge by the Monthly 
Periodic Rate. You can avoid Finance Charges on purchases by paying 
the full amount of the entire balance owed each month within 25 days of 
Your statement closing date. Otherwise, the new balance of purchases, 
and subsequent purchases from the date they are posted to Your 
Account, will be subject to a Finance Charge.  Cash advances are 
always subject to a Finance Charge from the later of the date they are 
posted to Your Account or from the first day of the billing cycle in which 
the cash advance is posted to Your Account.   

VARIABLE RATE:  Upon the expiration of any Introductory Rate, all 
transactions described in the Pricing Document are subject to a Variable 
Rate that is based on the highest Prime Rate as published in the Money 
Rates section of The Wall Street Journal in effect on the 15th day of 
each month of each year ('Index') plus Our Margin. The Index plus the 
Margin equals the Interest Rate. An increase or a decrease in the Index 
will cause a corresponding increase or decrease in Your Variable 
Interest Rate on the first day of the billing cycle of the month 
immediately following any such change in the index.  

An increase in the index means that You will have a higher Interest Rate 
and have a higher Minimum Payment Due.  If the Wall Street Journal 
does not publish the U.S. Prime Rate, or if it changes the definition of 
the U.S. Prime Rate, we may, at our sole discretion, substitute another 
index.  Your Interest Rate will never be greater than 24.99% and will 
apply to Your remaining principal balance. 

For the applicable Margin, Index, Monthly Periodic Rate and 
corresponding Annual Percentage Rate, refer to the accompanying 
Pricing Document that We have enclosed with and made a part of 
this Agreement. 

DEFAULT ANNUAL PERCENTAGE RATE. A default APR may be 
applied to your account if you: 
1.  Make a late payment; 
2.  Go over your credit limit twice in a six-month period; 
3.  Make a payment that is returned; or 
4.  Do any of the above on another account that you have with us. 

Should any of the above events occur, the Margin, Monthly Periodic 
Rate and corresponding Annual Percentage Rate applicable to Your 
entire balance existing at that time and in the future may immediately 
increase to the levels described in the accompanying Pricing Document 
that We have enclosed with and made a part of this Agreement.  This 
Penalty Rate will remain in effect until you make each total Minimum 
Payment Due by its payment due date and do not exceed your credit 
limit for 6 consecutive billing cycles starting with the first billing cycle 
after the Penalty Rate is in effect.   Once You have made the 6 
consecutive payments as described above, We will return your Annual 
Percentage Rate to its prior margin.    

FEES AND CHARGES. You will be charged certain fees and charges 
associated with the use of Your Card. For a complete list of those fees 
refer to the accompanying Pricing Document that We have enclosed 
with and made a part of this Agreement. 

OVERDRAFT PROTECTION. We may transfer funds in multiples of 
$100 (or in such increments as We may from time to time determine) to 
Your checking account by an advance on Your VISA Platinum Account, 
subject to this provision, to clear any Overdraft on Your checking 
account. Whether or not such transfers occur will be controlled by this 
Agreement In any event, You hold Us harmless for any and all liability 
which might otherwise arise if the transfer does not occur. Overdraft 
Protection automatically ceases if this Agreement is ever cancelled or 
terminated or Your Account is in default. 

PERIODIC STATEMENT. On a regular basis, You will receive a 
statement showing all transactions on Your Account including amounts 
paid and borrowed since Your last statement.  We will mail You a 
statement each month in which there is a debit or credit balance or 
when a Finance Charge is imposed. We need not send You a statement 
if We feel Your Account is uncollectible or if We have started collection 
proceedings against You because You defaulted. Each statement is 
deemed to be a correct statement of account unless You establish a 
billing error pursuant to the Federal Truth-In-Lending Act 

GRACE PERIOD. 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.  We will begin 
charging interest on cash advances and balance transfers (balance 
transfers may be subject to any introductory APR period) on the on the 
transaction date.   

CREDITING PAYMENTS TO YOUR ACCOUNT.  We will credit 
payments as of the date received if the payment is: 
• 

If by mail, received by 5 p.m. on a normal business day at the 
address: 

Nationwide Bank 
P.O. Box 5708 

• 

Hicksville NY 11802 
If in person, received at one of our branches, by  4 p.m. on a 
normal business day 

•  Paid in U.S. dollars by cash, money order, draft, check or other 
similar instrument in properly negotiable form drawn on a U.S. 
financial institution, or by electronic fund transfer if Nationwide Bank 
and the borrower have so agreed. Only your payments sent via 
mail must be either a check or money order.  

•  Sent in the return envelope with only the remittance portion of your 
statement included with the payment.  (Do not fold the enclosed 
check or remittance portion.  Do not include paper clips, staples, 
tape or other correspondence or more than one payment in the 
envelope.) 

Payments that do not meet these requirements, such as payments 
erroneously sent to other Nationwide P.O. Boxes addresses, will be 
credited not more than 5 business days after the date of receipt and 
finance charges may accrue for the period between receipt and 
crediting of payments. 

OUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We 
are under no obligation to honor Your Convenience Checks if: 
(1) by paying a Convenience Check, You would exceed Your Credit 
Limit;  (2) Your Cards or Convenience Checks have been reported lost 
or stolen:  (3) Your Account has been cancelled or has expired.  If a 
postdated Convenience Check is paid and, as a result, any other 
Convenience Check is returned unpaid, We are not responsible for any 
resulting loss or liability. 

DEFAULT. You will be in default if: (a) You do not make any payment or 
perform any obligation under this Agreement, or any other agreement 
that You may have with Us; or (b) Go over your credit limit twice in a six-
month period; or (c) Make a payment that is returned; or (d) You should 
die, become involved in any insolvency, receivership or custodial 
proceeding brought by or  against You; or (e) You have made a false or 
misleading statement in Your credit application and/or in Your 
representations to Us while You owe money on Your Account; or (f) A 
judgment or tax lien should be filed against You or any attachment or 
garnishment should be issued against any of Your property or rights, 
specifically including anyone starting an action or proceeding to seize 
any of Your funds on deposit with Us: and/or (g) We should, in good 
faith, believe Your ability to repay Your indebtedness hereunder is or 
soon will be impaired, time being of the very essence. If You are in 
default, We may, without prior notice or demand and to the extent 
permitted by law, cancel Your rights under this Agreement, declare the 
entire unpaid balance of Your 
Account immediately due and payable, and require the return of all 
access devices.  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
COLLECTION COSTS.  In the event collection efforts are required to 
obtain payment on this Account, to the extent permitted by law, You 
agree to pay all court costs, private process server fees, investigation 
fees or other costs incurred in collection and reasonable attorneys' 
fees incurred in the course of collecting any amounts owed under this 
Agreement or in the recovery of any collateral. 

Your rejection.  We may replace Your card with another card at any 
time.   

INTEGRATED DOCUMENTS.  Any separate sheet of paper, which is 
delivered together with this Agreement or at a later date, becomes an 
integrated part of this Agreement. 

ENFORCEMENT. We do not lose Our rights under this or any related 
agreement if We delay enforcing them. We can accept late payments, 
partial payments or any other payments, even if they are marked "paid 
in full' without losing any of Our rights under this Agreement. If any 
provision of this or any related agreement is determined to be  
unenforceable or invalid, all other provisions remain in full force and 
effect.   

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if 
You move or otherwise have a change of address. As part of our 
processes to protect our cardholders, we will verify all address change 
requests so that we may form a reasonable belief that only authorized 
address changes are processed.  As one of our safeguards, we will not 
issue a card or other access device until we have successfully verified 
any requested address changes.  In accordance with our policies and 
procedures, and for the purpose of assessing the validity of requested 
address change, we will notify the cardholder of the address change 
request: 
         (A) At the cardholder's former address; or 
         (B) By any other means of communication that we and the 
cardholder have previously agreed to use.  

If your address changes, we have an incorrect address for you, or if you 
have any questions regarding our procedures, please notify us by 
calling our customer service center (1-866-757-2720).   

 CHANGE IN TERMS. We may change the terms of this Agreement by 
mailing or delivering to You written notice of the changes as prescribed 
by the Federal Truth-In-Lending Act. To the extent permitted by law, the 
right to change the terms of this Agreement includes, but is not limited 
to, the right to change the periodic rate applicable to Your unpaid  
balance and/or future advances.   

If a Change in Terms to this Agreement gives You the opportunity to 
reject the change, and if You reject the change in the manner provided 
in any such Change in Terms, We may terminate Your right to receive 
credit and may ask You to return all credit devices as a condition of 

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of 
this Agreement. By signing the application; or by using Your Account or 
any Account access device; or by authorizing another to use Your 
Account, You agree to and accept its terms. 

UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will 
provide facts to update information contained in Your original Account 
application or other financial information related to You, at Our request. 
You also agree that We may, from time to time, as We deem necessary, 
make inquiries pertaining to Your employment, credit standing and 
financial responsibility in accordance with applicable laws and 
regulations. 

You further agree that We may give information about the status and 
payment history of Your Account to consumer credit reporting agencies, 
a prospective employer or insurer, or a state or federal licensing agency 
having an apparent legitimate business need for such information.   

TERMINATION. Either You or We may cancel Your Account, at any 
time, whether or not You are in default You will, in any case, remain 
liable to pay any unpaid balances according to the terms of Your 
Account. 

GOVERNING LAW. This Agreement is controlled and governed by the 
laws of the State of Ohio except to the extent that such laws are 
inconsistent with controlling federal law. 

OWNERSHIP. Your Card remains Our property and may be cancelled by 
Us at any time without notice. You agree to surrender Your Card and to 
discontinue its use immediately upon Our request. 

ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will 
issue, upon Your request, a Personal Identification Number (PIN) for 
use with participating Automated Teller Machines (ATMs). This PIN is 
confidential and should not be disclosed to anyone. You may use Your 
PIN to access Your Account and all sums advanced will be added to 
Your Account balance. In the event a use of Your PIN constitutes an 
Electronic Fund Transfer, the terms and conditions of Your Electronic 
Fund Transfer Agreement may also affect Your rights. 

EFFECT OF AGREEMENT. Even though the sales, cash advance, credit 
or other slips You may sign or receive when using Your Card contain 
terms, this Agreement is the contract which solely applies to all 
transactions involving the Card. 

UNAUTHORIZED USE. You may be liable for the unauthorized use of 
Your Card. You will not be liable for the unauthorized use that occurs 
after You notify Us of the loss, theft, or possible unauthorized use by 
calling Us at (866) 757- 2720 or by writing to Us at P.O. Box 9215, Old 
Bethpage. NY 11804. In any case, Your liability will not exceed $50. 

REFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not 
liable for the refusal or inability of merchants, financial institutions and 
others to accept the Cards or Convenience Checks, or electronic 
terminals to honor the Cards or complete a Card withdrawal, or for their 
retention of the Cards or Convenience Checks.   

FOREIGN TRANSACTIONS. For transactions initiated in foreign 
countries and foreign currencies, the exchange rate between the 
transaction currency and the billing currency (U.S. dollars) will be: (a) a 
rate selected by VISA from the range of rates available in wholesale 
currency markets for the applicable central processing date, which rate 
may vary from the rate VISA itself receives; or (b) the government 
mandated rate in effect for the applicable central processing date. In 
each instance, plus 1.00% of the settlement amount    

GAMING AND WAGERING TRANSACTIONS.  This Account is not to 
be used for any gaming or wagering transactions, including transactions 
for casino chips, bets, wagers, Internet gambling or any other gaming or 
wagering transaction. We will decline transactions for casino chips, 
bets, wagers, Internet gambling or any other gaming or wagering 
transaction.  

TRANSACTION SLIPS. Your monthly statement will identify that 
merchant, electronic terminal or Financial Institution at which 
transactions were made, but sales, cash advances, credit or other 
slips cannot be returned with the statement. 

 LOST CARDS OR CONVENIENCE CHECKS.  To report lost or stolen 
Credit Cards or Convenience Checks, You will immediately call Us at 
(866) 757-2720 or write to Us at P.O. Box 9215, Old Bethpage, NY 
11804. 

CREDITS. If a merchant who honors Your Card gives You credit for 
returns or adjustments, they will do so by sending Us a Slip which will 
be posted to Your Account. If Your credits and payments exceed what 
You owe Us, We will apply this credit against any future purchases and 

3 

 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
IDENTIFICATION THEFT. To protect our accountholders, we will verify 
the accountholder's identity during the account opening process (as 
required by the U.S. Patriot Act) or at other times that we deem 
reasonable.  If we are not able to form a reasonable belief as to the 
accountholder's identity, or if we have reason to suspect potential 
identity theft, we will notify the accountholder of the needed information: 
         (A) At the accountholder's current address; or 
         (B) By any other means of communication that we and the 
accountholder have previously agreed to use. 

If you have any questions regarding our procedures, please notify us by 
calling our customer service center (1-866-757-2720).    

PRIVACY.  Please refer to the Nationwide Bank Notice of Privacy Policy 
concerning information collection and sharing, a copy of which can be 
obtained on our website at www.nationwidebank.com or by calling us at 
877-422-6569.  

 Nationwide Bank 

On Your Side 
One Nationwide Plaza 
Columbus, Ohio 43215 
G-11971 

cash advances that You may make.  If the credit is $1.00 or more, We 
will refund it within seven business days from receipt of Your written 
request.  For any credit balance of $1.00 or more remaining in Your 
account for more than six months, We will refund the credit to You by 
check or credit to a deposit account that You have with Us. 

YOUR BILLING RIGHTS 
KEEP THIS NOTICE FOR FUTURE USE 

This notice contains important information about Your rights and Our 
responsibilities under the Fair Credit Billing Act. 

NOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR 
STATEMENT 
If You think Your statement is wrong, or if You need more information 
about a transaction on Your Statement, write to Us on separate sheet, 
at P.O. Box 9215, Old Bethpage. NY 11804.  Write to Us as soon as 
possible.  We must hear from You no later than 60 days after We sent 
You the first statement on which the error or problem appeared.  You 
can telephone Us, but doing so will not preserve Your rights. 

In Your letter, give Us the following information: 
- Your Name and Account number. 
- Dollar amount of the suspected error. 
- Describe the error and explain, if You can, why You believe there is an 
error.  If You need more information, describe the item You are not 
sure about. 

If You have authorized Us to pay Your bill automatically from Your 
savings or checking account, You can stop the payment on any amount 
You think is wrong. To stop the payment, Your letter must reach Us 
three business days before the automatic payment is scheduled to 
occur. 

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE 
YOUR WRITTEN NOTICE 
We must acknowledge Your letter within 30 days, unless We have 
corrected the error by then. Within 90 days, We must either correct the 
error or explain why We believe the statement is correct.  After We 
receive Your letter, We cannot try to collect any amount You question, 
or report You as delinquent. We can continue to bill You for the amount 
You question, including Finance Charges, and We can apply any unpaid 
amount against Your Credit Limit. You do not have to pay any 
questioned amount while We are investigating, but You are still 
obligated to pay the parts of Your statement that are not in question. 
If We find that We made a mistake on Your statement, You will not have 
to pay any Finance Charges related to any questioned amount. If We 
didn't make a mistake, You may have to pay Finance Charges, and You 
will have to make up any missed payments on the questioned amount, 
In either case, We will send You a statement of the amount You owe 
and the date that it is due. 

If you fail to pay the amount that We think you owe, we may report as 
delinquent.  However, if our explanation does not satisfy You and You 
write to Us writing 10 day telling us that you still refuse to pay, We must 
tell anyone that we report You to that You have a question about Your 
bill and, We must tell You the name of anyone We reported You to. We 
must tell anyone We report You to that the matter has been settled 
between Us when it finally is. If We don't follow these rules, We can't 
collect the first $50 of the questioned amount, even if Your statement is 
correct. 

SPECIAL RULE FOR CREDIT CARD PURCHASES. If You have a 
problem with the quality of property or services that You purchased with 
a Credit Card, and You have tried in good faith to correct the problem 
with the merchant, You may have the right not to pay the remaining 
amount due on the property or services, There are two limitations on 
this right:  

a. You must have made the purchase in Your home state, or, if not 
within Your home state, Within 100 miles of Your current mailing 
address; and 
b. The purchase price must have been more than $50. 

These limitations do not apply if We own or operate the merchant, or if 
We mailed You the advertisement for the property or services. 

EQUAL CREDIT OPPORTUNITY ACT NOTICE 
The federal Equal Credit opportunity Act prohibits creditors from 
discriminating against credit applicants on the basis of race, color, 
religion, national origin, sex, marital status, age (provided the applicant 
has the capacity to enter into a binding contract); because all or part of 
the applicant’s income derives from any public assistance program; or 
because the applicant has in good faith exercised any right under the 
Consumer Credit Protection Act.  The federal agency that administers 
compliance with this law concerning this lender is the Office of Thrift 
Supervision, Consumer Response Unit, 1700 G Street NW, 
Washington, DC 20552 

U.S. PATRIOT ACT NOTICE  
IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING 
A NEW ACCOUNT UNDER THE USA PATRIOT ACT OF 2001 
To help the government fight the funding of terrorism and money 
laundering activities, Federal law requires all financial institutions to 
obtain, verify, and record information that identifies each person who 
opens an account.  

What this means for you: When you open an account, we will ask for 
your name, address, date of birth, and other information that will allow 
us to identify you. We may also ask to see a form of identification with 
your photograph or other identifying documents 

 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Business Credit Card Pricing Document 

Interest Rate and Interest Charges 
Annual Percentage 
Rate (APR) for 
Purchases 

Prime Rate* plus 5.99% for Preferred Pricing, Prime Rate* 
plus 9.99% for Plus Pricing, or Prime Rate* plus 15.99% for 
Standard Pricing, based upon your creditworthiness.   

APR for Balance 
Transfer 

Your APR will vary with the market based on the Prime Rate*. 
A 0% fixed APR for the first 9 billing cycles following the opening of your account. 
After that, Prime Rate* plus 5.99% for Preferred Pricing, Prime 
Rate* plus 9.99% for Plus Pricing, or Prime Rate* plus 
15.99% for Standard Pricing, based upon your creditworthiness.   

Your APR will vary with the market based on the Prime Rate*. 
APR Cash Advances  Prime Rate* plus 15.99% for Cash Advances.   

Penalty APR and 
When it Applies 

Your APR will vary with the market based on the Prime Rate*. 
24.99%  

This APR may be applied to your account if you: 

1.  Make a late payment; 
2.  Go over your credit limit twice in a six-month period; 
3.  Make a payment that is returned; or 
4.  Do any of the above on another account that you have with us. 

How to Avoid Paying 
Interest on Purchases 

Minimum Interest 
Charge 
For Credit Card Tips 
from the Federal 
Reserve Board 

Fees 
Annual Fee 
Transaction Fees 
•  Balance Transfer 
•  Cash Advance 
• 

Foreign Transaction 

Penalty Fees 
* 
*  Over-the-Credit 

Late Payment 

Limit 

*  Returned Payment 

Other Fees 

How long will the penalty APR Apply?  If your APRs are increased for any of these 
reasons, the Penalty APR will apply until you make six consecutive minimum payments 
when due.   
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. 
None 

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 

          None 

• 

• 
• 

* 

* 

Balance Transfer - 3% of the amount of each transaction, but not less than 
$5.00 nor more than $75.00 
Cash Advance - 3% of the amount of the advance with a minimum of $5.00 
Foreign Transaction – 1% of the Settlement Amount 

$15 on balances up to $500, and $35 on balances over $500 

$35 

$20 

* 
          None 

*  The Index used is the highest Prime Rate as published in the Money Rates section of The Wall Street Journal in 

effect on the 15th day of each month of each year. 

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

For additional Account information, please see the accompanying Credit Card Agreement and Disclosure document. 

(Revised 2/2010)