PRICING  INFORMATION 
VISA SIGNATURE 
AS OF 12/31/15 

Variable  Annual  Percentage  Rates  (APRs)  and corresponding  periodic  rates  for Purchase  and Balance  Transfer  balances: 

Prime*  plus a margin  of 4.50% - 14.75% (8.00% - 18.25% APR) 

Corresponding monthly  periodic  rates  of (0.667% - 1.520%) 

Variable  Annual  Percentage  Rate  (APR)  and corresponding  periodic  rate for Cash  Advance  balances 

Prime*  plus a margin  of 16.25% (19.75% APR) 

Corresponding monthly  periodic  rate of (1.645%) 

*APRs  may  increase  or decrease  for each  new  billing  cycle  based  on changes  in the U.S. Prime  Rate  published  in The Wall Street  Journal 
(“Prime”).  Each  APR  will equal  the sum  of Prime  plus the applicable  margin  (“Margin”). Margin  means the percentage  points  added  to the 
Prime  Rate  to calculate  the APR. An increase  in your rates  will increase  your  interest  charges  and may increase  your minimum  monthly 
payment. Your  rates  will not exceed  the maximum  we are allowed  to charge  under  applicable law. 

Penalty  APR  and when  it applies:   None 

Paying  Interest: 

Your  due date  is at least  24 days  after  the close  of each  billing  cycle. 

Purchases  – We will not charge  you interest  on purchases  if you pay your n ew balance  by the payment  due date  shown on your 
statement each month. 

Balance Transfers – We will not charge  you interest  on balance transfers  if you pay your n ew balance  by the payment  due 
date  shown on your statement each month. 

Cash  Advances  – We will charge  you interest  on Cash  Advances  from  the date  of posting. 

Minimum  Interest  Charge:   Charged  interest  will be no less than  $.50. 

Fees: 

Annual  Fee:   $0 

Transaction  Fees: 

Balance  Transfer:  
Cash  Advance:  
Foreign  Transaction:  

$0 
 3% of each  new Cash  Advance  (not less than  $10 per transaction) 
 $0

Penalty  Fees: 

Late  Payment:  
Over-the-Credit Limit:  
Returned  Payment:  

Up to  $35 
$0 
Up to $35 

How  we will calculate  your  balance:   We use a method  called  "average  daily  balance  (including  new purchases,  balance  transfers  and 
cash  advances)".  

Calculating  Average  Daily  Balance  – Purchase  Balance and Balance Transfers.  You will have  a grace  period  during  which  we will not 
impose an interest  charge  on Purchases and Balance Transfers  if you pay in full your  New  Balance  by the Payment  Due Date  shown  on 
the  billing  statement  each month.  Otherwise,  we will impose  a periodic  interest  charge  on the average  daily  balance  of Purchases and 
Balance Transfers.  To determine  this average  daily balance,  we (a) start  with the previous  Purchase and Balance Transfer  balances  at the 
beginning  of each  new billing  cycle  and subtract  any unpaid  interest charge  and unpaid  fees  which  were  included  in those balances;  (b) 
determine  the Purchase and Balance Transfer  balances  for each day of the billing  cycle  by subtracting  any payments  and credits  applied  to 
the Purchase and Balance Transfer  balances  and by adding  new Purchases and Balance Transfers;  and (c) at the end of the billing cycle, 
add these  daily  balances  and divide  the total by the number  of days  in the billing  cycle  to determine  the average  daily  balance  for 
Purchases and Balance Transfers.   We then  multiply  this average  daily  balance  by the monthly  periodic  rate that applies  to Purchases and 
Balance Transfers  to determine  the amount of your periodic  interest  charge  on Purchases and Balance Transfers. 

Calculating  Average  Daily  Balance  – Cash  Advance  Balance.  There  is no grace  period  for Cash  Advances.  We will impose  a periodic 
interest  charge  on the average  daily  balance  of Cash  Advances.  To determine  this average  daily  balance,  we (a) start  with the previous 
Cash  Advance  balance  at the beginning  of each  new billing  cycle  and subtract  any unpaid  interest  charge  and unpaid  fees  which  were 
included  in that balance;  (b) determine  the Cash  Advance  balance  for each  day of the monthly  billing  cycle  by subtracting  payments  and 
credits  applied  to the Cash  Advance  balance  and adding  new Cash  Advances;  and (c) at the end of the billing  cycle,  add these  daily 
balances  and divide  the total by the number  of days  in the billing  cycle  to determine  the average  daily  balance  for Cash  Advances. We 
then  multiply  this average  daily  balance  by the monthly  periodic  rate that applies  to Cash  Advances.  The result  is your periodic interest 
charge  on Cash  Advances.