Interest Rates and Interest Charges 

Student Credit Card Application Disclosure  

Annual Percentage Rate 
(APR) for Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it 
Applies 

13.49%, based on your creditworthiness. 

13.49%, based on your creditworthiness.  
This APR will be the same as the APR for purchases. 

13.49%, based on your creditworthiness. 
This APR will be the same as the APR for purchases. 

18.00% 
This APR may be applied to your account if you make a late payment. 
How Long Will the Penalty APR Apply? If your APR is increased, the Penalty APR will apply until 
you make six consecutive minimum payments when due. 

How to Avoid Paying 
Interest on Purchases 

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on 
purchases if you pay your entire balance by the due date each month. 

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 

Annual Fee 

Transaction Fees 
•  Foreign Transaction 

Penalty Fees 
•  Late Payment 
•  Over-the-Credit Limit 

•  Returned Payment 

Other Fees 
•  Replacement Card 

None 

1% of each transaction in U.S. dollars 

Either $20 or 5% of the unpaid past due amount, whichever is greater 
$20 

$20 

$20 for each card replaced due to lost or stolen card 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 

This information was printed on 06/01/2010 and is accurate as of that date and may have changed after that date. To find out what may 
have changed, please contact us at 1-800-678-8765 or 757-552-1000. 

REV 06/01/2010