MASTERCARD® APPLICATION AND 
SOLICITATION DISCLOSURE 

Annual 
Percentage Rate 
(APR) for 
Purchases 

APR for 
Balance 
Transfers 

INTEREST RATES AND INTEREST CHARGES 

6.99% to 21.00% when you open your Account, based on your creditworthiness.  After that, 
your APR will vary with the Prime Rate (see the “Variable Rate Information” paragraph in your 
Agreement). 

6.99% to 21.00% when you open your Account, based on your creditworthiness.  These APRs will 
vary with the Prime Rate (see the “Variable Rate Information” paragraph in your Agreement). 

APR for Cash 
Advances 

9.49% to 21.00% when you open your Account, based on your creditworthiness.  After that, your 
APR will vary with the Prime Rate (see the “Variable Rate Information” paragraph in your 
Agreement). 

Penalty APR 
and When It 
Applies 

How Long Will 
the Penalty 
APR Apply? 

21.00%.  The Penalty APR will apply to your Account if you fail to make a payment within 60 days 
of the date it is due. 

If your APR is increased for this reason, the Penalty APR may apply indefinitely at our sole 
discretion. 

How to Avoid 
Paying Interest 
on Purchases 

Your minimum payment due date will be at least 25 days after the last date of each billing cycle.  
We will not charge you interest on purchases if you pay your entire balance by the due date each 
month.  We will charge you interest on Cash Advances and/or Balance Transfers as soon as you 
complete the transaction. 

Minimum 
Interest Charge 

None. 

For Credit Card 
Tips from the 
Consumer 
Financial 
Protection 
Bureau 

Annual Fees 

Transaction 
Fees 

Penalty Fees 

To learn more about factors to consider when applying for or using a credit card, visit the Web site 
of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. 

FEES 

$0 to $69. 
Balance Transfer  Greater of 2% of balance transfer amount or $5. 
Cash Advance 
Foreign 
Transaction 
Late Payment 
Over-the-Credit-
Limit 
Stop Payment/ 
Return Item 

Greater of 2% of cash advance amount or $5. 
1% of each transaction in U.S. dollars (see the “Foreign Transactions” 
paragraph in your Agreement for more information). 
$15. 

$None. 

$27. 

 
              
 
 
 
 
 
 
 
 
 
 
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Other Fees 

How We Will 
Calculate Your 
Balance 

How We Will 
Calculate Your 
Interest Rate 

Card Replacement  $12. 

Additional Cards 

PIN Replacement 
PIN Change 

None, except that additional MasterCard Business Cards after the first two 
Cards will incur a $12 fee. 
$5. 
$3. 

BALANCE & INTEREST RATE CALCULATIONS 

We will use the “average daily balance (including new purchases)” method to calculate your 
balance.  See the “How We Calculate Interest” paragraph in your Agreement for more information. 

Unless a promotional APR is in place, we will add a margin to the Prime Rate to determine your 
variable APR (see the “Variable Rate Information” paragraph in your Agreement.)  The margin for 
purchases and balance transfers will be 3.74% to 17.75% based on your creditworthiness.  The 
margin for cash advances will be 6.24% to 20.25% based on your creditworthiness. 

Rev. 12/4/14