SUMMARY OF TERMS 

Annual 
Percentage Rate 
(APR) for 
Purchases 

APR For Balance 
Transfers 

APR for Cash 
Advances 
Penalty APR and 
When it Applies 

Paying Interest 

MasterCard® Card 
5.90% Introductory APR for the first six Billing Cycles. 

After that, your APR will be based upon your outstanding balance and the Prime Rate plus 
a Margin of 4.9% (balances greater than $2000) or 7.90% (balances less than or equal to 
$2000).  This APR will vary with the market based on The Wall Street Journal Prime Rate*; 
however, it will never be greater than 21.00% (Ceiling).   
Your APR will be based upon your outstanding balance and the Prime Rate plus a Margin 
of 4.9% (balances greater than $2000) or 7.90% (balances less than or equal to $2000).  This 
APR will vary with the market based on The Wall Street Journal Prime Rate; however, it will 
never be greater than 21.00% (Ceiling).    

21.00% APR 
21.00%  
This APR may be applied to your account if you make a late payment and/or make a 
payment that is returned for any reason. 

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 interest on Purchases if you pay and we receive your entire balance by the due date 
each month.  We will begin charging interest on Cash Advances and Balance Transfers on 
the transaction date 
If you are charged interest, the charge will be no less than $0.50 

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. 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Federal Reserve 
Board 
* The Prime Rate used is the highest “Prime Rate” as published in The Wall Street Journal on the last day of the 
month in which the Billing Cycle began or, if not published that day, on the next day published. 
Fees 
Annual Fee 
Transaction Fees 
•  Foreign Transaction 
Penalty Fees 
•  Late Payment 

3% of each Purchase or Cash Advance transaction amount 

None 

$22 if balance is less than or equal to $200 
$35 if balance exceeds $200 

•  Over-the-Credit Limit  $35 
•  Returned Payment 
$30 

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

Loss of Introductory Rate:  We may end you introductory APR and apply the Penalty APR if you make a late 
payment. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in 
your Cardholder Agreement. 

Monthly Cash Rebate:  You will receive a Cash Rebate equal to .50% of your net Purchases (Purchases less 
Returns) each Billing Cycle. Your Cash Rebate will be based on the total net Purchases posted to your Account 
during your actual Billing Cycle dates.  Your Cash Rebate will be credited to your Account by the fifth business 
day of the following Billing Cycle.  Should the amount of Returns exceed the Purchases during any Billing Cycle 
resulting in a credit balance, your Account will be debited accordingly.