SUMMARY OF TERMS 

Annual 
Percentage Rate 
(APR) for 
Purchases 

APR For Balance 
Transfers 

APR for Cash 
Advances 
Penalty APR and 
When it Applies 

Paying Interest 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Federal Reserve 
Board 

MasterCard® Card 
5.90% Introductory APR for the first six billing cycles. 
After that, your APR will be Prime plus a Margin of  4.90% or 7.90% based on your balance.  Balances 
<2,000 variable APR of Prime + 7.90 (11.15%) Balances > $2,000 variable APR of Prime + 4.90 (8.15%) This APR 
will vary with the market based on The Wall Street Journal Prime Rate.     

5.90% fixed introductory APR for six months. 

After that, your APR for Balance Transfers will be Prime plus a Margin of 4.90% or 7.90% 
based on your balance. This APR will vary with the market based on The Wall Street 
Journal Prime Rate. 

21.00% APR 
21.00%  
This APR may be applied to your account if you make a late payment 

How Long Will the Penalty APR Apply?  If your APRs are increased due to late payment, the 
Penalty APR will apply until you make six consecutive minimum payments when due.   
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 and we receive your entire balance by the due date 
each month.  We will begin charging interest on Cash Advances and Balance Transfers 
on the transaction date 
If you are charged interest, the charge will be no less than $0.50 

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.gove/creditcard. 

Fees 
Annual Fee 
Transaction Fees 
•  Foreign Transaction 
Penalty Fees 
•  Late Payment 

None 

3% of each Purchase or Cash Advance transaction amount 

Up to $35 

•  Over-the-Credit Limit  Up to $35 
•  Returned Payment 
Up to $35 

The  Margin  we  use  and  add  to  the  Prime  Rate  to  determine  the  APR  for  Purchases  and  Balance  Transfers  is 
5.90% or 7.90% based on balance.  Balances < $2,000 =  variable APR of Prime + 7.90% and Balances > $2,000 = 
variable APR of Prime + 4.90% 

How We Will Calculate Your Balance:  We use a method called "average daily balance (including new 
purchases)".  See your account agreement for more details. 

Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in 
your account agreement. 

Monthly Cash Rebate 

You will receive a Cash Rebate equal to .50% of your net Purchases (Purchases less Returns) each Billing Cycle. 
Your Cash Rebate will be based on the total net Purchases posted to your Account during your actual Billing 
Cycle dates.  Your cash rebate will be credited to your Account by the fifth business day of the following Billing 
Cycle.  Should the amount of Returns exceed the Purchases during any Billing Cycle resulting in a credit 
balance, your Account will be debited accordingly.