IMPORTANT CREDIT CARD DISCLOSURES 

The following 
accurate 
any changes occurred 

disclosure  represents 

important 
as of _01/01/2018 _____ . 

details  concerning  your 
us  toll  free  at 
You can contact 

credit  card.  The 

information 

the number or address 

about costs of the card is 
if 

on Page 1 to inquire 

since the effective date. 

INTEREST RA TES and INTEREST CHARGES: 

VISA 
Platinum 

Classic 

VISA 

Secured VISA 

Annual Percentage 
for Purchases & 
Transfers 

Balance 

Rate (APR) 

APR for one 16.24% or  14.24°/o 

on your creditworthiness. 

18.24%  with the market based 

This APR will vary 

APR 

0.00%* Introductory 
year, based 
After that, your Standard 
will be 
10.24%, 
13.24% depending 
credit 
history. 
the market based on the Prime Rate. 

11.24%, 

This APR will vary with 

depending 
on your 
credit 
history. 
This 
or  APR will vary with the 
market based on the 

on your  Prime Rate. 

on the Prime Rate. 

APR for Cash Advances 

19.99% 

Penalty 
Applies 

APR and When it 

Paying Interest 

21.99% 
This APR may be applied 
more. 

to your account 

if you 

make a payment that is late 60 days or 

How Long Will 
payment, 
make six consecutive 

we may keep them at this higher level on existing 
payments. 

on-time 

APR Apply? If we increase 

the Penalty 

your APRs 

due to a late 
and new balances 

until you 

Your due 
you interest on purchases 
and balance 
balance 
on cash 
interest 

date is at least 21 days after we mail your billing 
and balance 
by the due 

on the date the 

transfers 

advances 

transfer 

if you 

pay your entire 
date each month. We will begin charging 

cash advance is posted to your 

account. 

We will not charge 
new purchase 

statement. 

Minimum Interest Charge 

None 

To learn more about factors 
For Credit Card Tips from the 
the website 
Consumer Financial 
http://www.consumerfinance.gov/learnmore 
Protection 

when applying 
Bureau at 
Protection 

of the Consumer 

to consider 

Financial 

Bureau 

for or using a credit card,  visit 

FEES: 

your 
Fees to Open or Maintain 
Account 

• Annual Fee: 

None 

Transaction 

Fees 

Transfer: 

• Balance 
• Cash Advance: 
• Foreign 

Transaction: 

$10.00 or 3% of the 
$10.00 or 3% of the 

Either 
Either 
1% of each transaction 
0.8% of each transaction 
conversion 

amount of each transfer, 
amount of each cash advance, 

whichever 

is greater. 

whichever 
involves a 

currency 

is greater. 

in U.S. dollars 

if the transaction 

in U.S. dollars if 

the transaction 

does not involve a 

conversion 
currency 

Penalty 

Fees 
• Late Payment: 
• Returned 

Payment: 

Up to $10.00 if your payment is late 10 days or more 
Up to $25.00 if your payment is returned 

for any reason 

How We Will Calculate 

Your Balance: 

We use a method called 

"average 

daily balance 

(including 

new purchases)." 

Loss of Introductory 
payment. 

Rate: We may end your Introductory 

Rate and apply the Penalty 

APR disclosed 

above if you make a late 

*Not Every Applicant 
APR will apply. 
Standard 

Will Qualify for the Introductory 

APR: If  an applicant 

does not qualify 

for the Introductory 

APR, the