VisaPlatinum
Option 1CreditCardRateDisclosure
NoneInterestRates and Interest
Charges
Your due date is at least 25days for purchases, 0days for
cash advances 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(Grace Period) each month.10.90%
Fixed
Penalty APRand When It Applies
How to AvoidPaying Interest on
PurchasesAnnual Percentage Rate (APR)for Purchases
APR for Balance Transfers
APR for CashAdvances10.90%
Fixed
10.90%
Fixed
Minimum Interest ChargeIf you are charged interest, the charge will be no less than
$0.00Visa Platinum
Option 2
To learn more about factors to consider when applying for or
using a credit card, visit the website of the Federal Reserve
Board athttp://www.consumerfinance.gov/learnmore.12.90%
Fixed12.90%
Fixed12.90%
Fixed
Fees Visa Platinum 1 Visa Platinum 2
Annual Fee $12.00 $0.00
TransactionFees
BalanceTransfer
Cash Advances
ForeignTransaction$0.00
$0.00
$1.0%
*Late or Returned Payments will be charged $27 for the first o ccurrence and $37
for any subsequent occurrence of the same type that occurred during the same
billing cycle or during one of the next six billing cycles.Penalty Fees
Late Payment*
Over-the-Credit-Limit
ReturnedPayment*$27 1stoccurrence and $37
subsequent occurrence
$0.00
$27 1stoccurrence and $37
subsequent occurrence
HowWeWillCalculateYourBalance: We use a method called "average daily balance"(including ne w
purchases).*An explanation of this method is provided in yo ur account agreement.
BillingRights: Information on your rights to dispute transactions and how t o exercise those rights
is provided in your account agreement.For Credit Card Tips Fromthe
Federal Reserve Board YOURBILLINGRIGHTS
Thisnotice contains importantinformation
about your rightsand our responsibilities
under the FairCredit Billing Act.
NOTIFYUSINCASEOFERRORSOR
QUESTIONSABOUTYOUR
STATEMENT.Ifyouthinkyour
statementiswrong,orifyou
needmoreinformationabouta
transactiononyourstatement,
writeusonaseparatesheet
attheaddresslistedonyour
statement.Writetousassoon
aspossible.Wemusthearfrom
younolaterthan60days
afterwesentyouthefirst
statementonwhichtheerror
orproblemappeared.Youcan
telephoneus,butdoingso
willnotpreserveyourrights.
Inyourletter,giveusthe
followinginformation:
Yournameandaccountnumber.
Thedollaramountofthe
suspectederror.
Describetheerrorand
explain,ifyoucan,whyyou
believethereisanerror.
Ifyouneedmoreinformation,
describetheitemyouarenot
sureabout.
Ifyouhaveauthorizedusto
payacreditcardaccount
automaticallyfromyourshare
accountorsharedraftaccount,
youcanstopthepaymenton
anyamountyouthinkiswrong.
Tostopthepaymentyour
lettermustreachusthree
businessdaysbeforethe
automaticpaymentisscheduled
tooccur.
RESPONSIBILITIESAFTERWE
RECEIVEYOURWRITTENNOTICE.
Wemustacknowledgeyour
letterwithin30days,unless
wehavecorrectedtheerrorby
then.Within90days,wemust
eithercorrecttheerroror
explainwhywebelievethe
statementwascorrect.
Afterwereceiveyourletter,
wecannottrytocollectany
amountyouquestion,orreport
youasdelinquent.Wecan
continuetosendstatementsto
youfortheamountyou
questioned,includingfinance
charges,andwecanapplyany
unpaidamountagainstyour
creditlimit.Youdonothave
topayanyquestionedamount
whileweareinvestigating,
butyouarestillobligatedto
paythepartsofyour
statementthatarenotin
question.Ifwefindthatwe
madeamistakeonyour
statement,youwillnothavetopayanyfinancecharges
relatedtoanyquestioned
amount.Ifwedidn'tmakea
mistake,youmayhaveto
payfinancecharges,and
youwillhavetomakeup
anymissedpaymentsonthe
questionedamount.In
eithercase,wewillsend
youastatementofthe
amountyouoweandthedate
thatitisdue.
Ifyoufailtopaythe
amountthatwethinkyou
owe,wemayreportyouas
delinquent.However,ifour
explanationdoesnot
satisfyyouandyouwrite
touswithintendays
tellingusthatyoustill
refusetopay,wemusttell
anyonewereportedyouto
thatyouhaveaquestion
aboutyourstatement.And,
wemusttellyouthename
ofanyonewereportyouto.
Wemusttellanyonewe
reportyoutothatthe
matterhasbeensettled
betweenuswhenitfinally
is.
Ifwedon'tfollowthese
rules,wecan'tcollectthe
first$50ofthequestioned
amount,evenifyour
statementwascorrect.
SPECIALRULEFORCREDIT
CARDPURCHASES.Ifyouhave
aproblemwiththequality
ofpropertyorservices
thatyoupurchasedwitha
creditcard,andyouhave
triedingoodfaithto
correcttheproblemwith
themerchant,youmayhave
therightnottopaythe
remainingamountdueonthe
propertyorservices.There
aretwolimitationsonthis
right:(a)Youmusthave
madethepurchaseinyour
homestateor,ifnot
withinyourhomestate
within100milesofyour
currentmailingaddress;
and(b)Thepurchaseprice
musthavebeenmorethan
$50.
Theselimitationsdonot
applyifweownoroperate
themerchant,orifwe
mailedyouthe
advertisementforthe
propertyorservices.Whenyouusethe...
VISAPlatinumCreditCardforthe
purchaseofgoodsorservices,
thefollowingbenefitsareyours!
Travel Accident Insurance
You, your spouse and dependent childrenup to
age 19 (age 25 if a full-time student atany
institution of higher learning) are
automaticallycovered withcommon carrier
travel accident insurance every time you
travel by air, bus, train,ship, taxi, or any
other commoncarrier anywhere in the world
when you charge your entirefare to ourcard.
This coverageis provided to you at NO EXTRA
COST.
WithVisaPlatinumOption1Only
ADVANTAGE-COMPLETE
TravelReservationService
ConciergeServices
PersonalShopper
PrescriptionDiscounts
PaymentCardRegistration
KeyRegistration
TravelProtection
-LostLuggageLocator
Service
-LostorDamagedLuggage
Insurance
-Hotel-MotelBurglary
CARDCENTIVES-PREMIUM
$1,000IdentityTheft
Insurance
PaymentCardRegistration
90-DaysProductProtection
PersonalShopper
ConciergeServicesBonusTravelDividends
AutomobileRentalInsurance
VisionCareDiscounts
MedicalAssistanceServices
QuarterlyNewsletter
AutoRentalDiscount
IdentityTheftVictim
Assistance
TravelReservationService
ExtendedWarranty
PriceGuaranty
FamilyMedicalInformation
Card