Cash Advance transactions are considered: 
- ATM withdrawal 
- Overdraft transaction 
- Checks used for purposes other than Balance Transfers 
- Over the counter (at bank) 
- Other "Cash like" transactions, such as purchasing money orders, gaming transactions, or purchasing 
lottery tickets.

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review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to 
apply until after you have made timely payments during the 6 months being reviewed.

enalty APR will apply to both new and existing transactions.  We 

 
 
 
 
 
 
Check Fee 
This fee is shown in Part 2.  This fee: 
- applies to checks written for other purposes than Balance Transfers; and  
- is charged as of the date the check posts to your Account; and  
- is added to the same balance as balance transfer/check transaction; and 
- is a Finance Charge 

 
 
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I. 

II. 

 
 
1) 

2) 

a) 

b) 

a) 

b) 

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If your payment is more than 60 days late, the Penalty APR will apply to both new and existing transactions.  We 
review your Account every 6 months after the Penalty APR is applied. The Penalty APR will continue to apply until 
after you have made timely payments during the 6 months being reviewed. 

a) 

b) 

c) 

d) 

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