Variable Rate: Your APRs will vary with the market based on the Prime Rate. The Prime Rate is the highest bank prime loan rate as published by the Wall Street Journal in its Money Rates Section on the 14th day (or the next business day if the 14th is not a business day) of the calendar month preceding the first day of the billing period. If the Periodic Rate(s) and corresponding Annual Percentage Rate(s) increase, your interest charges will increase and your minimum payment may be greater.
Penalty Rate: If you fail to make your required minimum payment on your Account by the due date [two or more times in any six-month period], all rates may increase to the Penalty Rate. Rates may increase as early as the beginning of the billing period in which the condition occurred, but no later than the following two billing periods. The Penalty APR will cease to apply if you pay all past due amounts and any fees and you pay your minimum monthly payment on time for six consecutive months.
Application of Payments: We will apply all payments to the account in accordance with any applicable law. Any payment amount in excess of the required minimum payment will be applied to the outstanding balances based on the APR applicable to that balance. We will apply payments according to the APR from highest to lowest.
Minimum Payment: The greater of 4% of the outstanding balance or $25.00.
Cash Equivalent Transactions: Cash equivalent transactions are those transactions performed using a merchant or service provider that MasterCard/VISA identifies as a seller of traveler’s cheques, foreign currencies, money orders, wire transfers, lottery tickets, funds used for wagers or gambling or similar products and services.
Other Fees:
Replacement Card ............................. $35.00	(includes delivery)
Copy of Sales Voucher ................................ $7.50
Additional Copy of Paper Statement ................... $7.50
Annual Additional Card Fee .......................... $49.00
X833R
WORLD ELITE MASTERCARD
Credit Terms and Fees
CONTACT US:
Card Assets
P.O. Box 723847
Atlanta, GA 31139-0847
1-800-854-7642
www.24-7cardaccess.com
Privacy Policy to be included as part of
the Cardholder Agreement.
CARDHOLDER AGREEMENT: CARD TERMS AND FEES
Summary of Credit Terms 1E/ff1e/c2t0iv1e5
Fees
Interest Rates and Interest Charges
Please read carefully and review the pricing & terms.
Annual Percentage Rate (APR) for Purchases	9.99%. This APR will vary with the market based on the Prime Rate.
Balance Transfers APR	1.99% introductory APR for 6 billing cycles. After that, your APR will be 9.99%. This APR will vary with the market based on the Prime Rate.
Cash Advances and Cash Equivalent Transaction APR	13.49%. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	21.99%. This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you: (1)	Make a late payment (2)	Make a payment that is returned (3)	Do any of the above on any other account held with us How Long Will the Penalty APR Apply? The penalty rate may be applied to your account until we receive six (6) consecutive payments, with each payment being received by the required payment date.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing period. We will not charge you periodic interest on new purchases, or any portion of a new purchase, paid by the due date on your current billing statement if your entire balance on your previous billing statement is paid in full by the due date on that statement. There is no time period in which to avoid periodic interest on cash advances.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Annual Fees: • Annual Fee	• $299.00
Transaction Fees: • Balance Transfer	• Either $10.00 or 4% of the amount of
• Cash Advance	each transfer, whichver is greater, but no more than $45 • Either $10.00 or 5% of the amount
• Foreign Transaction	advanced, whichever is greater. • No foreign transaction fees.
Penalty Fees: • Delinquent Charge	• Up to $35.00
(Late Payment) • Returned Payment	• $25.00 per item
Fee • Over Credit Limit	• $0.00
Fee	
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Cardholder Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.
Margins & Periodic Rates with Corresponding APRs
	Margin	Periodic Rate
Purchase Rate	6.74%	0.02737% (corresponding APR of 9.99%)
Balance Transfer Rate	6.74%	0.02737% (corresponding APR of 9.99%)
Cash Advance and Cash Equivalent Transaction Rate	10.24%	0.03696% (corresponding APR of 13.49%)
Penalty Rate	18.74%	0.06025% (corresponding APR of 21.99%)
CARDHOLDER AGREEMENT: CARD TERMS AND FEES
V1.1-01.15
Variable Rate: Your APRs will vary with the market based on the Prime Rate. The Prime Rate is the highest bank prime loan rate as published by the Wall Street Journal in its Money Rates Section on the 14th day (or the next business day if the 14th is not a business day) of the calendar month preceding the first day of the billing period. If the Periodic Rate(s) and corresponding Annual Percentage Rate(s) increase, your interest charges will increase and your minimum payment may be greater.
Penalty Rate: If you fail to make your required minimum payment on your Account by the due date [two or more times in any six-month period], all rates may increase to the Penalty Rate. Rates may increase as early as the beginning of the billing period in which the condition occurred, but no later than the following two billing periods. The Penalty APR will cease to apply if you pay all past due amounts and any fees and you pay your minimum monthly payment on time for six consecutive months.
Application of Payments: We will apply all payments to the account in accordance with any applicable law. Any payment amount in excess of the required minimum payment will be applied to the outstanding balances based on the APR applicable to that balance. We will apply payments according to the APR from highest to lowest.
Minimum Payment: The greater of 4% of the outstanding balance or $25.00.
Cash Equivalent Transactions: Cash equivalent transactions are those transactions performed using a merchant or service provider that MasterCard/VISA identifies as a seller of traveler’s cheques, foreign currencies, money orders, wire transfers, lottery tickets, funds used for wagers or gambling or similar products and services.
W111R
WORLD MASTERCARD
Credit Terms and Fees
Other Fees: Replacement Card .............................. $35.00	(includes delivery)
Copy of Sales Voucher ............................. $7.50
Additional Copy of Paper Statement ................ $7.50
Annual Second Card Fee ............................ $0.00
CONTACT US:
Card Assets
P.O. Box 723847
Atlanta, GA 31139-0847
1-800-854-7642
www.24-7cardaccess.com
MasterCard
Privacy Policy to be included as part of
the Cardholder Agreement.
CARDHOLDER AGREEMENT: CARD TERMS AND FEES
Summary of Credit Terms 6E/f1fe/c2t0iv1e1
Fees
Interest Rates and Interest Charges
Please read carefully and review the pricing & terms.
Annual Percentage Rate (APR) for Purchases	9.99%. This APR will vary with the market based on the Prime Rate.
Balance Transfers APR	2.99% introductory APR for 6 months. After that, your APR will be 9.99%. This APR will vary with the market based on the Prime Rate.
Cash Advances and Cash Equivalent Transaction APR	13.49%. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	21.99%. This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you: (1)	Make a late payment (2)	Make a payment that is returned (3)	Do any of the above on any other account held with us How Long Will the Penalty APR Apply? The penalty rate may be applied to your account until we receive six (6) consecutive payments, with each payment being received by the required payment date.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing period. We will not charge you periodic interest on new purchases, or any portion of a new purchase, paid by the due date on your current billing statement if your entire balance on your previous billing statement is paid in full by the due date on that statement. There is no time period in which to avoid periodic interest on cash advances or balance transfers.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Annual Fees: • Annual Fee	• $35.00 per account
Transaction Fees: • Balance Transfer	• Either $10.00 or 4% of the amount of each transfer, whichever is greater, but no more than $45.00 per transfer
• Cash Advance	• Either $10.00 or 5% of the amount advanced, whichever is greater.
• Foreign Transaction	• No foreign transaction fee is charged on purchases made outside of the United States.
Penalty Fees: •	Delinquent Charge (Late Payment) •	Returned Payment Fee •	Over Credit Limit Fee	•	Up to $35.00 •	$25.00 per item •	$0.00
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Cardholder Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.
Margins & Periodic Rates with Corresponding APRs
	Margin	Periodic Rate
Purchase Rate	6.74%	0.02737% (corresponding APR of 9.99%)
Balance Transfer Rate	6.74%	0.02737% (corresponding APR of 9.99%)
Cash Advance and Cash Equivalent Transaction Rate	10.24%	0.03696% (corresponding APR of 13.49%)
Penalty Rate	18.74%	0.06025% (corresponding APR of 21.99%)
CARDHOLDER AGREEMENT: CARD TERMS AND FEES
V2.0-05.15
Variable Rate: Your APRs will vary with the market based on the Prime Rate. The Prime Rate is the highest bank prime loan rate as published by the Wall Street Journal in its Money Rates Section on the 14th day (or the next business day if the 14th is not a business day) of the calendar month preceding the first day of the billing period. If the Periodic Rate(s) and corresponding Annual Percentage Rate(s) increase, your interest charges will increase and your minimum payment may be greater.
Penalty Rate: If you fail to make your required minimum payment on your Account by the due date [two or more times in any six-month period], all rates may increase to the Penalty Rate. Rates may increase as early as the beginning of the billing period in which the condition occurred, but no later than the following two billing periods. The Penalty APR will cease to apply if you pay all past due amounts and any fees and you pay your minimum monthly payment on time for six consecutive months.
Application of Payments: We will apply all payments to the account in accordance with any applicable law. Any payment amount in excess of the required minimum payment will be applied to the outstanding balances based on the APR applicable to that balance. We will apply payments according to the APR from highest to lowest.
Minimum Payment: The greater of 4% of the outstanding balance or $25.00.
Cash Equivalent Transactions: Cash equivalent transactions are those transactions performed using a merchant or service provider that MasterCard/VISA identifies as a seller of traveler’s cheques, foreign currencies, money orders, wire transfers, lottery tickets, funds used for wagers or gambling or similar products and services.
W029
CONSUMER PLATINUM
Credit Terms and Fees
Other Fees: Replacement Card .............................. $35.00	(includes delivery)
Copy of Sales Voucher ............................. $7.50
Additional Copy of Paper Statement ................ $7.50
Annual Second Card Fee ...........................  $0.00
CONTACT US:
Card Assets
P.O. Box 723847
Atlanta, GA 31139-0847 1-800-854-7642
www.24-7cardaccess.com
Privacy Policy to be included as part of
the Cardholder Agreement.
CARDHOLDER AGREEMENT: CARD TERMS AND FEES
Summary of Credit Terms 6E/f1fe/c2t0iv1e1
Fees
Interest Rates and Interest Charges
Please read carefully and review the pricing & terms.
Annual Percentage Rate (APR) for Purchases	13.99%. This APR will vary with the market based on the Prime Rate.
Balance Transfers APR	2.99% introductory APR for 6 months. After that, your APR will be 13.99%. This APR will vary with the market based on the Prime Rate.
Cash Advances and Cash Equivalent Transaction APR	17.49%. This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	21.99%. This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you: (1)	Make a late payment (2)	Make a payment that is returned (3)	Do any of the above on any other account held with us How Long Will the Penalty APR Apply? The penalty rate may be applied to your account until we receive six (6) consecutive payments, with each payment being received by the required payment date.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing period. We will not charge you periodic interest on new purchases, or any portion of a new purchase, paid by the due date on your current billing statement if your entire balance on your previous billing statement is paid in full by the due date on that statement. There is no time period in which to avoid periodic interest on cash advances or balance transfers.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Annual Fees: • Annual Fee • Rewards Fee	• None • None
Transaction Fees:	
• Balance Transfer	• Either $10.00 or 4% of the amount of
• Cash Advance	each transfer, whichever is greater, but no more than $45.00 per transfer • Either $10.00 or 5% of the amount
• Foreign Transaction	advanced, whichever is greater. • 3.0% of the US dollar amount of the
• Convenience Check	transactions originating in a foreign country. • $10.00 per check (only for checks
Fee	greater than $150)
Penalty Fees:	• Up to $35.00
• Delinquent Charge	
(Late Payment)	
• Returned Payment	• $25.00 per item
Fee	
• Over Credit Limit	• $0.00
Fee	
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Cardholder Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.
Margins & Periodic Rates with Corresponding APRs
	Margin	Periodic Rate
Purchase Rate	10.74%	0.03833% (corresponding APR of 13.99%)
Balance Transfer Rate	10.74%	0.03833% (corresponding APR of 13.99%)
Cash Advance and Cash Equivalent Transaction Rate	14.24%	0.04792% (corresponding APR of 17.49%)
Penalty Rate	18.74%	0.06025% (corresponding APR of 21.99%)
CARDHOLDER AGREEMENT: CARD TERMS AND FEES
V1.3-12.13
Changing or Terminating Your Account: CardAssetsmaychangethe terms ofthisAgreement from time to time after giving you advance notice as required by taw. Your use of the card after receiving notice of a change witt indicate your agreement to the change. To the extent the taw permits, and indicated in the notice to you, the change witt apply toyour existing Account Batance as wett as to future transactions. Eitheryou orCard Assets may terminate this Agreement at any time, but termination byyouor Card Assets witt notaffectyourobtigation to paytheAccountbatance ptusany Interest Charges and other charges you owe under this Agreement. The cards you receive remain the property of Card Assets and you must recover and surrender to Card Assets att cards upon request or upon termination of this Agreement whether by you or Card Assets.
Ifyou choose to notacceptany of these terms, yourcredit limit will be removed andyour minimum paymentwillbe calculated based on a five-yearamortization schedule. To opt-out, Card Assets requires writtnen notice by postal mailto PO Box 723847, Atlanta, GA 31139-8847.
Penalty Rate: If you fail to make your required minimum payment on your Account by the due date [two or more times in any six-month period], all rates may increase to the Penalty Rate. Rates may increase as early as the beginning of the billing period in which the condition occurred, but no later than the following two billing periods. The Penalty APR will cease to apply if you pay all past due amounts and any fees and you pay your minimum monthly payment on time for six consecutive months.
Application of Payments: We will apply all payments to the account in accordance with any applicable law. Any payment amount in excess of the required minimum payment will be applied to the outstanding balances based on the APR applicable to that balance. We will apply payments according to the APR from highest to lowest.
Minimum Payment: The greater of 4% of the outstanding balance or $25.00.
Cash Equivalent Transactions: Cash equivalent transactions are those transactions performed using a merchant or service provider that MasterCard/VISA identifies as a seller of traveler’s cheques, foreign currencies, money orders, wire transfers, lottery tickets, funds used for wagers or gambling or similar products and services.
X543R
consumer platinum
Credit Terms and Fees
Other Fees:
Replacement Card..........................$35.00	[includes delivery)
Copy of Sales Voucher..............................$7.50
Additional Copy of Paper Statement.................$7.50
Annual Second Card Fee............................ $0.00
CONTACT US:
Card Assets
P.O. Box 723847
Atlanta, GA 31139-0847 1-844-232-4243
www.24-7cardaccess.com
Privacy Policy to be included as part of
the Cardholder Agreement.
CARDHOLDER AGREEMENT: CARD TERMS AND FEES
Summary of Credit Terms
Effective
1/2/2016
Fees
Interest Rates and Interest Charges
Please read carefully and review the pricing & terms.
Annual Percentage Rate (APR) for Purchases	19.99%
Balance Transfers APR	21.99%
Cash Advances and Cash Equivalent Transaction APR	21.99%
Penalty APR and When it Applies	21.99% This APR may be applied to your account if you: (1)	Make a late payment (2)	Make a payment that is returned (3)	Do any of the above on any other account held with us How Long Will the Penalty APR Apply? The penalty rate may be applied to your account until we receive six (6) consecutive payments, with each payment being received by the required payment date.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing period. We will not charge you periodic interest on new purchases, or any portion of a new purchase, paid by the due date on your current billing statement if your entire balance on your previous billing statement is paid in full by the due date on that statement. There is no time period in which to avoid periodic interest on cash advances or balance transfers.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.00.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Annual Fees: • Annual Fee	• $35
Transaction Fees: • Balance Transfer	• Either $10.00 or 4% of the amount of each transfer, whichever is greater.
• Cash Advance	• Either $10.00 or 5% of the amount advanced, whichever is greater.
• Foreign Transaction	• 2.5% of the US dollar amount of the transactions originating in a foreign country.
Penalty Fees: •	Delinquent Charge (Late Payment) •	Returned Payment Fee •	Over Credit Limit Fee	•	Up to $35.00 •	$25.00 per item •	$0.00
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your Cardholder Agreement for more details.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.
Margins & Periodic Rates with Corresponding APRs
	Periodic Rate
Purchase Rate	0.05477% (corresponding APR of 19.99%)
Balance Transfer Rate	0.06025% (corresponding APR of 21.99%)
Cash Advance and Cash Equivalent Transaction Rate	0.06025% (corresponding APR of 21.99%)
Penalty Rate	0.06025% (corresponding APR of 21.99%)
CARDHOLDER AGREEMENT: CARD TERMS AND FEES
V1.0 -01.16