Sheet

9/5/2012

Platinum Rewards Visa Card

INTEREST RATES AND INTEREST CHARGES

Credit Card Rate 

& Initial Disclosure

699 to 660

659 

Credit Score
to 610
Annual Percentage Rates (APRs) for Purchases
10.99%

740 +
609 to 560

739 to 700

13.49%

11.99%

559 or below

7.99%
15.49%

10.49%

"When you open your account, the applicable APR is based on 

creditworthiness.  After that, your APR will be calculated by adding a margin to the
Prime Rate.*"

Annual Percentage Rates (APRs) for Cash Advances & Balance Transfers (processed as a
Cash Advance)
13.49%

7.99%
15.49%

10.49%

10.99%

11.99%

"When you open your account, the applicable APR is based on 

creditworthiness.  After that, your APR will be calculated by adding a margin to the
Prime Rate.*"

Penalty APR 

None

How to Avoid Paying Interest on Purchases
days after the close of each billing cycle. We will not charge any interest on the 
portion of the purchases balance that you pay by the due date each month.

Your due date is approximately 25 

For Credit Card Tips from the Consumer Financial Protection Bureau 
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."

"To learn 

FEES

Annual Fee

None

Transaction Fees 

Cash Advance

None

ATM Fees

$2 for withdrawal at Non-Unitus or Non CO-OP ATM

Foreign Transaction

foreign transaction

Up to 2% of the US dollar amount of the 

Penalty Fees

Late Payment

$20 

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

"Classic, Secured & Choose Local Visa Card"

INTEREST RATES AND INTEREST CHARGES

Credit Score
to 610
Annual Percentage Rates (APRs) for Purchases
12.99%

740 +
609 to 560

739 to 700

15.49%

13.99%

559 or below

9.99%
17.49%

12.49%

699 to 660

659 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
"When you open your account, the applicable APR is based on 

creditworthiness.  After that, your APR will be calculated by adding a margin to the
Prime Rate.*"

Annual Percentage Rates (APRs) for Cash Advances & Balance Transfers (processed as a
Cash Advance)
15.49%

9.99%
17.49%

12.49%

12.99%

13.99%

"When you open your account, the applicable APR is based on 

creditworthiness.  After that, your APR will be calculated by adding a margin to the
Prime Rate.*"

Penalty APR 

None

How to Avoid Paying Interest on Purchases
days after the close of each billing cycle. We will not charge any interest on the 
portion of the purchases balance that you pay by the due date each month.

Your due date is approximately 25 

For Credit Card Tips from the Consumer Financial Protection Bureau 
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."

"To learn 

FEES

Annual Fee

None

Transaction Fees 

Cash Advance

None

ATM Fees

$2 for withdrawal at Non-Unitus or Non CO-OP ATM

Foreign Transaction

foreign transaction

Up to 2% of the US dollar amount of the 

Penalty Fees

Late Payment

$20 

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

Additional Information

"Variable Rate Information:* The index used to determine the U.S. Prime Rate is 
published in The Wall Street Journal (Western Edition) on the third (3rd) Tuesday of
March, June, September, and December of each calendar year. If the third (3rd) 
Tuesday is a holiday, we will use the Prime Rate published the next day. If more 
than one Prime Rate is published we may choose the highest rate. If The Wall Street 
Journal (Western Edition) ceases publication or ceases to publish the Prime Rate, we
reserve the right to use the Prime Rate published in any other newspaper of general 
circulation, or we may substitute a similar reference at our sole discretion. We may
change the above rates, fees, and other cost information at any time in accordance 
with applicable law, along with the applicable Credit Account Agreement and 
Disclosure, that will be sent to you."

Margins for APR's:

"Platinum Rewards Visa Card - 4.74%, 7.24%, 7.74%, 8.74%, 10.74% and 12.24% 
respectively."

"Classic & Secured Visa Cards - 6.74%, 9.24%, 9.74%, 10.74%, 12.24% and 14.24% 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
respectively."

"Choose Local Visa Card -  6.74%, 9.24%, 9.74%, 10.74%, 12.24% and 14.24% 
respectively."

 We reserve the right to amend the Visa Credit Card Agreement as permitted by law.  
The above rates and fees are current as of 9/5/2012

 In order to receive the Choose Local discount you must present your Choose Local 
membership card at the time of purchase with the participating merchants.