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� 2021 Farleigh Wada Witt. All  Rights  Reserved.  CC App Disc �  07-09-21 
 Visa Credit Card 
Application Disclosures  2303 South Center Road 
Burton, MI 48519  
Ph 810 -715-3542 � TF 800 -882-6457  
Fx 810 -600-2590  
www.elgacu.com  
 
 INTEREST RATES AND INTEREST CHARGES  
 
 
Annual Percentage 
Rate (APR) for 
Purchases, Balance 
Transfers and 
Cash Advances  Visa Rewards  Visa Cashback  Visa Low Rate  
4.90% Promotional APR , for qualifying members,  for transactions co mpleted from   
August 1, 2021  through October  31, 20 21 with a repayment period for these 
transa ctions until April 30, 2022 . 
 
0.00% Promotional APR for  transactions completed from August 1, 2021 through 
October 31, 2021 with a repayment period for these balance  transfers until April 30, 
2022 . Balance Transfer must be New Money.  
 After that, or if you do not 
qualify, your APR will be  
9.90 % - 17.90 % 
based on your 
creditworthiness  After that, or if you do not 
qualify, your APR will be  
14.90 % - 20.90 % 
based on your 
creditworthiness  After that, or if you do not 
qualify, your APR will be  
7.90 % - 15.90 % 
based on your 
creditworthiness  
Penalty APR  17.90%  20.90%  17.90%  
 
When the Penalty 
APR Applies  This APR may be applied to your account if you make a late payment.  
How long with the Penalty APR apply? If your APR is increased due to a late pay - 
ment, the Penalty APR will apply until you make six consecutive minimum paym ents 
when they are due.  
 
Paying Interest  Your due date is at least 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. We will begin charging interest on cash advances and balance transfers  on the 
transaction date.  
For Credit Card Tips 
from the Consumer 
Financial Protection 
Bureau  To learn more about factors to consider when applying for or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at: 
http://www.consumerfinance.gov/learnmore . 
SERVICE CHARGES  
Annual Service Charge  None  
Transaction Service 
Charge s 
� Cash Advance  
� Balance Transfer  
� Foreign Transaction   
 
None  
None  
Up to 2% of the US dollar amount of the foreign transaction.  
This fee applies to any credit card transaction made at a location in a foreign country, or 
payable to a merchant located in a foreign country even if you initiate the transaction 
from within the United States.  
Penalty Service 
Charge s 
� Late Payment  
� Over -the-Credit Limit  
� Returned Payment   
 
Up to $25 
None  
$25 
 
 
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� 2021 Farleigh Wada Witt. All  Rights  Reserved.  CC App Disc �  07-09-21 
  
Other Service Charge s: 
Replacement  Card  $5 
Rush  Replacement  Card  $10 
Rush Delivery  of Card  $30 
 
How We Will Calculate Your Balance : We use a method called �average daily balance� (including new purchases). 
The above rates and fees are effective as of August 1, 2021.