4020 Fee Fee Road 
Bridgeton, MO 63044-2734 
(314) 298 0055 
(800) 522-6009 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases, Balance 
Transfers and Cash Advances 

Credit Card Agreement 
and Disclosure Statement 

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

VISA  Platinum:    8.90%  -  17.90%  depending  on  Your  creditworthiness,  and 
whether you have opted for automated payment and e-statements. 

VISA  Platinum  Rewards:   9.90%  - 17.90%  depending  on  Your  creditworthiness, 
and whether you have opted for automated payments and e-statements. 

VISA  Platinum  Secured:    14.90%  or  15.90%  depending  on  whether  you  have 
opted for automated payment and e-statements. 

Paying Interest 

We will not charge You interest on purchases if You pay Your entire balance owed each 
month within 25 days from Your statement closing date. We will begin charging interest on 
cash advances and balance transfers on the transaction date. 

For Credit Card Tips from the 
Federal Reserve Board 

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. 

Fees 

Transaction Fees 
•  Foreign Transaction 

Penalty Fees 

•  Returned Payment 
• 
Late Payment 

1.00% of each foreign currency transaction in U.S. dollars. 
1.00% of each U.S. Dollar transaction that occurs in a foreign country. 

Up to $25.00 
For payments over $25.00, $10.00 - $25.00 subject to Your payment amount, after 15 days 

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

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

DEFINITIONS. In this Agreement, the reference to "We", "Us", "Our" and "Credit Union" mean VANTAGE CREDIT UNION. The words "You" and "Your" mean 
each person who accepts this Agreement or uses the Visa® Platinum, Visa® Platinum Rewards or Visa® Platinum Secured Credit Card(s). The words "Card" and 
"Credit Card" mean any Visa® Platinum, Visa® Platinum Rewards or Visa® Platinum Secured Credit Card issued to You by Us and any duplicates or renewals. 
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  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 advance request forms, 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. You acknowledge that You own any shares and/or collateral pledged as security and that there are no other liens against them other than Ours. You 
agree to perform all acts which are necessary to make Our security interest in the shares and/or collateral being pledged enforceable. 

OTHER SECURITY. Collateral (other than household goods or any dwelling) given as security under this Agreement or 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. 

Copyright Oak Tree Business Systems, Inc., 2010-2011. All Rights Reserved. 

Page 1 of 4 

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CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your shares or deposits with Us (except for IRA and Keogh accounts) and any 
dividends/interest  due  or  to  become  due  to  You  from  Us  to  the  extent  You  owe  on  any  unpaid  Credit  Card  balance  and/or  Overdraft  Protection 
balance created through the use of Your Visa® Check Card or ATM card. 

VISA®  PLATINUM  SECURED  CREDIT  CARD  RESTRICTIONS.  In  order  to  apply  for  and  maintain  a  Visa®  Platinum  Secured  Card,  You  agree  to  grant  Us  a 
specific security interest in Your Visa® Platinum Secured Savings Account with Us. The amount that is pledged will equal Your initial Credit Limit, but in no event 
will be less than $500. In order to retain Card privileges, the funds pledged as security will remain in Your Visa® Platinum Secured Savings Account unless You 
cancel Your Visa® Platinum Secured Card and request the redemption of any funds given as security. You may do so at any time by returning any Visa® Platinum 
Secured Cards issued to You and completing a Visa® Platinum Secured Card Voluntary Closure form available from the Credit Union. Any funds securing Your 
Visa® Platinum Secured Card (less any amounts You owe) will be transferred to Your Regular Savings Account 15 days after We receive Your request. If Your 
Visa® Platinum Secured Card is closed for cause due to an overlimit or delinquent status, or is voluntarily closed while in an overlimit or delinquent status, any 
funds  securing  Your  Visa®  Platinum  Secured  Card  will  immediately  be  applied  to  any  balance  owing.  You  agree  to  immediately  pay  in  full  any  amount  then 
outstanding on Your Account. 

LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit 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. 

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 You repay Your entire balance. 
You may make larger payments without penalty. Any partial payment or prepayment will not delay Your next scheduled payment. All payments to Us must be in 
lawful money of the United States. We may apply each payment to whichever Credit Card We wish. Except as required by law, the order in which We may apply 
payments is at Our discretion. 

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. 

Visa® Platinum, Visa® Platinum Rewards and Visa® Platinum Secured Minimum Payments will be an amount equal to 3.00% of Your new unpaid Visa® Platinum, 
Visa® Platinum Rewards or Visa® Platinum Secured Account balance at the end of each billing cycle, subject to the lesser of $26.00 or Your balance, plus any 
portion of the Minimum Payments shown on prior statement(s) which remains unpaid, plus any amount that exceeds any approved Credit Limit. 

You may, by separate agreement, authorize Us to charge an amount equal to: (a) the Minimum Periodic Payment shown on Your Periodic Billing Statement; (b) a 
set amount not less than 3.00% of Your approved Credit Limit; or (c) the total New Balance shown on Your Periodic Billing Statement. If You authorize Us to do 
this, the amount designated in such agreement will be deducted automatically from Your checking or regular savings account with Us or Your checking account at 
another institution. 

LATE CHARGE. If Your payment is more than 15 days late, You will be charged 5.00% of the payment due, subject to a maximum of $25.00 and a minimum of 
$10.00 (whenever the payment due is greater than $25.00).  

OTHER  FEES  AND  CHARGES.  You  will  be  charged  the  following  fees  associated  with  the  use  of  Your  Card:  (a)  the  lesser  of  $25.00  or  the  amount  of  the 
minimum  payment  due  for  each  check  (or  other  negotiable  instrument  used  for  payment)  that  is  returned  unpaid;  (b)  $10.00  for  each  copy  of  a  receipt  You 
request (refunded if the basis for the request is a dispute and it is resolved in Your favor); (c) $5.00 for each replacement Card You request; and $10.00 for each 
duplicate statement You request.  

FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  Visa®  Platinum,  Visa®  Platinum  Rewards  or  Visa®  Platinum  Secured  Credit  Card(s),  the 
balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get 
the  average  daily  balance,  We  take  the  beginning  balance  each  day,  add  any  new  purchases,  balance  transfers,  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 of goods and services 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 and balance transfers (including Convenience Checks) are always subject to a Finance Charge from the date they are posted to 
Your Account. 

For the applicable Monthly Periodic Rate and corresponding Annual Percentage Rate, refer to the separate page titled “Additional Disclosure – Federal 
Truth-In-Lending Act”. 

PERIODIC  STATEMENTS.  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.  

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) You should die, become involved in any insolvency, receivership or custodial proceeding brought by or against You; or (c) You have made a false 
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Page 2 of 4 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
or  misleading  statement  in  Your  credit  application  and/or  in  Your  representations  to  Us  while  You  owe  money  on  Your  Account;  or  (d)  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 (e) 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. 

Upon any occurrence of default, We may, to the extent permitted by law, cancel Your rights under this Agreement, require the return of all access devices and 
declare the entire balance of Your Account immediately due and payable, without prior notice or demand.  

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. 

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 in writing if You move or otherwise have a change of address. 

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. 

CREDIT  INSURANCE.  Credit  insurance  is  not  required  for  any  extension  of  credit  under  this  Agreement.  However,  You  may  purchase  any  credit  insurance 
available  through  Us  and  have  the  premiums  added  to  Your  outstanding  balance.  If  You  elect  to  do  so,  You  will  be  given  the  necessary  disclosures  and 
documents separately. 

INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional Disclosure — Federal Truth-In-Lending Act", which is delivered together with this 
Agreement or at a later date becomes an integrated part of this Agreement and Disclosure. 

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 any apparent legitimate business need for such information.  

TERMINATION. Either You or We may cancel Your Account or any particular Credit Card of 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  Missouri  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 You 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. Your use of the PIN is Your authorization to Us to withdraw funds from Your Account or charge Your Card to 
cover such transactions. 

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  the  telephone  number  shown  in  this  Agreement  or  by  writing  to  Us  at  the  address  shown  in  this 
Agreement. 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. 

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,  PINs  or  Convenience  Checks,  or  any  combination  thereof,  You  will 
immediately  call  the  following  numbers:  (314)  298-0055  or  (800)  522-6009  during  regular  business  hours.  After  business  hours,  call  (800)  449-7728.  Platinum 
rewards Cardholders may also call (800) VISA 911 or (410) 581-9994 (outside of the U.S.).  

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 hold and apply this credit against future purchases and cash advances, or if it is $1.00 
or more refund it on Your written request or automatically deposit it to Your regular savings account after 6 months.   

Copyright Oak Tree Business Systems, Inc., 2010-2011. All Rights Reserved. 

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ORAL  AGREEMENTS.  Oral  agreements  or  commitments  to  loan  money,  extend  credit  or  to  forbear  from  enforcing 
repayment of a debt including promises to extend or renew such debt are not enforceable.  To protect You and Us from 
misunderstanding  or  disappointment,  any  agreements  We  reach  covering  such  matters  are  contained  in  this  writing, 
which is the complete and exclusive statement of the agreement between Us, except as We may later agree in writing to 
modify it. 

This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

Your Billing Rights: Keep this Document for Future Use 

If You think there is an error on Your statement, write to Us at Our address shown in this Agreement. In Your letter, give us the following information: 

•  Account information: Your name and Account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You believe it is a mistake. 

You must contact Us: 

•  Within 60 days after the error appeared on Your statement. 
•  At least 3 business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong. 

You must notify Us of any potential errors in writing. You may call Us, but if You do We are not required to investigate any potential errors and You may have to 
pay the amount in question.  

When We receive Your letter, We must do two things: 

What Will Happen After We Receive Your Letter 

1)  Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have already corrected the error. 
2)  Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is correct. 

While We investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report You as delinquent on that amount. 
•  The charge in question may remain on Your statement, and  We may continue to charge You interest on that amount. 
•  While You do not have to pay the amount in question, You   are responsible for the remainder of Your balance. 
•  We can apply any unpaid amount against Your Credit Limit. 

After We finish Our investigation, one of two things will happen: 

•  If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
•  If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send You a statement of 

the amount You owe and the date payment is due. We may then report You as delinquent if You do not pay the amount We think You owe. 

If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to pay. If You do so, We 
cannot report You as delinquent without also reporting that You are questioning Your bill. We must tell You the name of anyone to whom We reported You as 
delinquent, and We must let those organizations know when the matter has been settled between Us. If We do not follow all of the rules above, You do not have 
to pay the first $50 of the amount You question even if Your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If You are dissatisfied with the goods or services that You have purchased with Your 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 purchase. To use this right, all of the following must be true: 

1)  The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the purchase price must have been more 
than $50. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to You, or if We own the company that sold You 
the goods or services.) 

2)  You must have used Your Credit Card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses Your Credit Card  

  account do not qualify. 

3)  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing at Our address shown in this Agreement.  

While We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, We will tell You Our decision. At that 
point, if We think You owe an amount and You do not pay, We may report You as delinquent. 

Copyright Oak Tree Business Systems, Inc., 2010-2011. All Rights Reserved. 

Page 4 of 4 

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4020 Fee Fee Road 
Bridgeton, MO 63044-2734 
(314) 298 0055 
(800) 522-6009 

Interest Rate and Interest Charges 

Annual Percentage Rate (APR) 
For Purchases, Balance 
Transfers and Cash Advances 

Paying Interest 

Fees 

Transaction Fees 
•  Foreign Transaction 

Penalty Fees 

•  Returned Payment 
• 
Late Payment 

PRICI(cid:23)G I(cid:23)FORMATIO(cid:23) ADDE(cid:23)DUM – 
CREDIT CARD AGREEME(cid:23)T 
A(cid:23)D DISCLOSURE STATEME(cid:23)T 

THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR VISA PLATINUM, VISA 
PLATINUM  REWARDS  AND  VISA  PLATINUM  SECURED  CREDIT  CARDS.  PLEASE  BE  SURE  TO  READ 
THIS ADDENDUM CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

VISA  Platinum:    8.90%  -  17.90%  depending  on  Your  creditworthiness,  and 
whether you have opted for automated payment and e-statements. 

VISA  Platinum  Rewards:   9.90%  - 17.90%  depending  on  Your  creditworthiness, 
and whether you have opted for automated payments and e-statements. 

VISA  Platinum  Secured:    14.90%  or  15.90%  depending  on  whether  you  have 
opted for automated payment and e-statements. 

We will not charge You interest on purchases if You pay Your entire balance owed each 
month within 25 days from Your statement closing date. We will begin charging interest on 
cash advances and balance transfers on the transaction date. 

1.00% of each foreign currency transaction in U.S. dollars. 
1.00% of each U.S. Dollar transaction that occurs in a foreign country. 

Up to $25.00 
For payments over $25.00, $10.00 - $25.00 subject to Your payment amount, after 15 days 

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

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

FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  Visa®  Platinum,  Visa®  Platinum  Rewards  or  Visa®  Platinum  Secured  Credit  Card(s),  the 
balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get 
the  average  daily  balance,  We  take  the  beginning  balance  each  day,  add  any  new  purchases,  balance  transfers,  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 of goods and services 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 and balance transfers (including Convenience Checks) are always subject to a Finance Charge from the date they are posted to 
Your Account. 

The  Monthly  Periodic  Rate  that  will  apply  to  Your  unpaid  VISA  Platinum  balance  will  be  0.7417%  -  1.4917%  (corresponding  ANNUAL  PERCENTAGE  RATE 
8.90% - 17.90%), depending on Your creditworthiness, and whether You have opted for automated payment and e-statements. 

The Monthly Periodic Rate that will apply to Your unpaid VISA Platinum Rewards balance will be 0.8250% - 1.4917% (corresponding ANNUAL PERCENTAGE 
RATE 10.90% - 17.90%), depending on Your creditworthiness, and whether You have opted for automated payment and e-statements. 

The Monthly Periodic Rate that will apply to Your unpaid VISA Platinum Secured balance will be 1.2417% or 1.3250% (corresponding ANNUAL PERCENTAGE 
RATE 14.90% or 15.90%), depending on whether You have opted for automated payment and e-statements. 

Copyright Oak Tree Business Systems, Inc., 2010-2011. All Rights Reserved. 

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