CREDIT CARD AGREEMENT 
AND DISCLOSURE STATEMENT 

THIS  IS  YOUR  CREDIT  CARD  AGREEMENT  AND  IT  INCLUDES  NECESSARY  FEDERAL  TRUTH-IN-
LENDING  DISCLOSURE  STATEMENTS,  WORLD  MASTERCARD,  MASTERCARD  PLATINUM, 
MASTERCARD  PLATINUM  REWARDS  AND  MASTERCARD  PLATINUM  SECURED  AGREEMENTS,  AND 
ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR WORLD MASTERCARD, MASTERCARD 
PLATINUM,  MASTERCARD  PLATINUM  REWARDS  AND  MASTERCARD  PLATINUM  SECURED  CREDIT 
CARDS,  AND/OR  ANY  OTHER  ACCOUNT  ACCESS  DEVICE.  PLEASE  BE  CERTAIN  TO  READ  THIS 
AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. 

DEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean VANTAGE CREDIT UNION. The words "You" and "Your" mean 
each person who accepts this Agreement or uses the World MasterCard, MasterCard Platinum, MasterCard Platinum Rewards or MasterCard Platinum Secured 
Credit Card(s). The words "Card" and "Credit Card" mean any World MasterCard, MasterCard Platinum, MasterCard Platinum Rewards or MasterCard Platinum 
Secured Credit Card issued to You by Us and any duplicates or renewals. If this is a joint Account, read singular pronouns in the plural. 

PROMISE  TO  PAY.  You  understand  that  the  following  terms  and  conditions  constitute  Our  Agreement  with  You.  Your  Account  may  be  accessible  through  a 
variety of means which could include advance request forms, vouchers, checks, charge slips, Credit Cards and the like. Regardless of the access means, You 
promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use 
of Your Account, including Finance Charges and other fees or charges described herein. 

USE  OF  YOUR  CARD.  You  may  use  Your  Card  to  buy  goods  and  services  in  any  place  that  it  is honored and to get cash advances at participating financial 
institutions.  You  agree  not  to  use  Your  Card  for  illegal  transactions  including,  but  not  limited  to,  advances  made  for  the  purpose  of  gambling  and/or  wagering 
where such practices are in violation of applicable state and/or federal law. 

SECURITY. You acknowledge that You own any shares and/or collateral pledged as security and that there are no other liens against them other than Ours. You 
agree to perform all acts which are necessary to make Our security interest in the shares and/or collateral being pledged enforceable. 

OTHER SECURITY. Collateral (other than household goods or any dwelling) given as security under this Agreement or for any other loan You may  have with Us 
will secure  all amounts You owe Us now and in the future if that status is reflected in the “Truth-in-Lending Disclosure” in any particular Agreement evidencing 
such debt. 

CONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your shares or deposits with Us (except for IRA and Keogh accounts) and any 
dividends/interest  due  or  to  become  due  to  You  from  Us  to  the  extent  You  owe  on  any  unpaid  Credit  Card  balance  and/or  Overdraft  Protection 
balance created through the use of Your Debit card or ATM card. 

MASTERCARD PLATINUM SECURED CREDIT CARD RESTRICTIONS. In order to apply for and maintain a MasterCard Platinum Secured Card, You agree to 
grant  Us  a  specific  security  interest  in  Your  MasterCard  Secured  Savings  Account  with  Us.  The  amount  that  is  pledged  will  equal  Your Credit Limit, but in no 
event will be less than $500.00. In order to retain Card privileges, the funds pledged as security will remain in Your MasterCard Secured Savings Account unless 
You  cancel  Your MasterCard Platinum Secured Card and request the redemption of any funds given as security. You may do so at any time by returning any 
MasterCard  Platinum  Secured  Cards  issued  to  You  and  completing  a  MasterCard  Secured  Card  Voluntary  Closure  form  available  from  the  Credit  Union.  Any 
funds  securing  Your  MasterCard  Platinum  Secured  Card  (less  any  amounts  You  owe)  will  be  transferred  to  Your  Regular  Savings  Account  15  days  after  We 
receive Your request. If Your MasterCard Platinum Secured Card is closed for cause due to an overlimit or delinquent status,  or is voluntarily closed while in an 
overlimit  or  delinquent  status,  any  funds  securing  Your  MasterCard  Platinum  Secured  Card  will  immediately  be  applied  to  any  balance  owing.  You  agree  to 
immediately pay in full any amount then outstanding on Your Account. 

LINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for which You are approved. Unless You are in default, any Credit Limits established 
for You will generally be self-replenishing as You make payments. 

You will keep Your unpaid balance within Your Credit Limit set by Us, and You will pay any amount over Your Credit Limit on Our demand whether or not We 
authorize  the  advances  which  caused  You  to  exceed  Your  Credit  Limit.  Even  if  Your  unpaid  balance  is  less  than  Your  Credit  Limit,  You  will  have  no  credit 
available during any time that any aspect of Your Account is in default. 

JOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the repayment of any amounts owed. If any Account access device, such as a 
Personal  Identification  Number  (PIN)  is  requested  and  approved,  You  understand  that  any  such  Account  access  device(s)  will  be  mailed  only  to  the  primary 
Borrower at the address We have on file for You. We may refuse to follow any instructions which run counter to this provision. 

MINIMUM  MONTHLY  PAYMENTS  (PAYMENT  SCHEDULE).  Though  You need only pay the Minimum Monthly Payments, You understand that You have the 
right to repay at any time without penalty. You also understand that You will only be charged periodic Finance Charges to the date You repay Your entire balance. 
You may make larger payments without penalty. Any partial payment or prepayment will not delay Your next scheduled payment. All payments to Us must be in 
lawful money of the United States. We may apply each payment to whichever Credit Card We wish. Except as required by law, the order in which We may apply 
payments is at Our discretion. 

Any unpaid portion of the Finance Charge will be paid by subsequent payments and will not be added to Your principal balance. You understand that any delay in 
the repayment of Your unpaid balance will increase Your periodic Finance Charges and any acceleration in the repayment of Your unpaid balance will decrease 
Your periodic Finance Charges. 

World  MasterCard,  MasterCard  Platinum,  MasterCard  Platinum  Rewards  and  MasterCard  Platinum  Secured  Minimum  Payments  will  be  an  amount  equal  to 
3.00% of Your new unpaid World MasterCard, MasterCard Platinum, MasterCard Platinum Rewards or MasterCard Platinum Secured Account balance at the end 
of  each  billing  cycle,  subject  to  the  lesser  of  $26.00  or  Your  balance,  plus  any  portion  of  the  Minimum  Payments  shown  on  prior  statement(s)  which  remains 
unpaid, plus any amount that exceeds any approved Credit Limit. 

You may, by separate agreement, authorize Us to charge an amount equal to: (a) the Minimum Periodic Payment shown on Your Periodic Billing Statement; (b) a 
set amount not less than 3.00% of Your approved Credit Limit; or (c) the total New Balance shown on Your Periodic Billing Statement. If You authorize Us to do 
this, the amount designated in such agreement will be deducted automatically from Your checking or Regular Savings account with Us or Your checking account 
at another institution. 

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LATE CHARGE. If Your payment is more than 15 days late, You will be charged 5.00% of the payment due, subject to a maximum of $25.00 and a minimum of 
$10.00 (whenever the payment due is greater than $25.00). 

OTHER  FEES  AND  CHARGES.  You  will  be  charged  the  following  fees  associated  with  the  use  of  Your  Card:  (a)  the  lesser  of  $25.00  or  the  amount  of  the 
minimum  payment  due  for  each  check  (or  other  negotiable  instrument  used  for  payment)  that  is  returned  unpaid;  (b)  $10.00  for  each  copy  of  a  receipt  You 
request (refunded if the basis for the request is a dispute and it is resolved in Your favor); (c) $10.00 for each replacement Card You request; (d) and $10.00 for 
each duplicate statement You request.  

FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  World  MasterCard,  MasterCard  Platinum,  MasterCard  Platinum  Rewards  or  MasterCard 
Platinum Secured Credit Card(s), the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month 
(including  new  transactions).  To  get  the  average  daily  balance,  We  take  the  beginning  balance  each  day,  add  any  new  purchases,  balance  transfers,  cash 
advances,  insurance  premiums,  debit  adjustments  or  other  charges  and  subtract  any  payments,  credits  and  unpaid  Finance  Charges.  This  gives  Us  the  daily 
balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing 
cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. 

You can avoid Finance Charges on purchases of goods and services by paying the full amount of the entire balance owed each month within 25 days of Your 
statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a 
Finance Charge. Cash advances and balance transfers are always subject to a Finance Charge from the date they are posted to Your Account. 

For the current Margin, Index, monthly periodic rate (and the corresponding Annual percentage Rate) for Your Account, refer to the separate page titled 
“Additional Disclosure – Federal Truth-In- Lending Act” which has been provided in conjunction with Your Credit Card. 

VARIABLE RATE. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the Money Rates section of The Wall 
Street Journal in effect on the 15th calendar day that immediately precedes the 1st day of each calendar quarter ("Index") plus Our Margin. The Index plus the 
Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle during the months of January, 
April, July and October of each year. Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance Charge and will affect the 
number of Your regularly scheduled payments. We may choose not to apply an increased rate resulting from an increase in the Index and if We do, You agree 
that such act will not constitute a reduction in Your Margin. You further agree that in such an event We would not lose Our right to apply any subsequent increase, 
whether or not occasioned by any previously unapplied increase. 

PENALTY RATE. If Your Account is more than 60 days past due, subject to applicable law, the Margin applicable to Your entire balance of transactions existing 
at that time and in the future will be increased to 24.99%. An increase in the Margin will result in an increase in the Monthly Periodic Rate (corresponding to an 
increase in the Annual Percentage Rate). For detailed rate information concerning the manner in which the penalty rate may be applied to Your Account, refer to 
the separate page titled "Additional Disclosure - Federal Truth-In-Lending Act" which has been provided in conjunction with Your Credit Card. 

During  the  three  month  period  following  such  an  increase,  if  We  receive  the  first  three  consecutive  required  minimum  periodic  payments  when  due,  the  rate 
applicable to the balance of transactions that occurred prior to such increase will be returned to the standard variable periodic rate that would have otherwise been 
in effect. 

PERIODIC  STATEMENTS.  On  a  regular  basis,  You  will  receive  a  statement  showing  all  transactions  on  Your  Account  including  amounts  paid  and  borrowed 
since Your last statement. We will mail or deliver a statement each month in which there is a debit or credit balance or when a Finance Charge is imposed. We 
need not send You a statement if We feel Your Account is uncollectible or if We have started collection proceedings against You because You defaulted. Each 
statement is deemed to be a correct statement of account unless You establish a billing error pursuant to the Federal Truth-In-Lending Act.  

DEFAULT. You will be in default if: (a) You do not make any payment or perform any obligation under this Agreement, or any other agreement that You may have 
with Us; or (b) You should die, become involved in any insolvency, receivership or custodial proceeding brought by or against You; or (c) You have made a false 
or  misleading  statement  in  Your  credit  application  and/or  in  Your  representations  to  Us  while  You  owe  money  on  Your  Account;  or  (d)  A  judgment  or  tax  lien 
should be filed against You or any attachment or  garnishment should be issued against any of Your property or rights, specifically including anyone starting an 
action or proceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in good faith, believe Your ability to repay Your indebtedness hereunder 
is or soon will be impaired,  time being of the very essence. 

Upon any occurrence of default, We may, to the extent permitted by law, cancel Your rights under this Agreement, require the  return of all access devices and 
declare the entire balance of Your Account immediately due and payable, without prior notice or demand.  

COLLECTION COSTS. In the event collection efforts are required to obtain payment on this Account, to the extent permitted by law, You agree to  pay all court 
costs, private process server fees, investigation fees or other costs incurred in collection and reasonable attorneys’ fees incurred in the course of collecting any 
amounts owed under this Agreement or in the recovery of any collateral. 

ENFORCEMENT. We do not lose Our rights under this or any related agreement if We delay enforcing them. We can accept late payments, partial payments or 
any other payments, even if they are marked "paid in full" without losing any of Our rights under this Agreement. If any provision of this or any related agreement 
is determined to be unenforceable or invalid, all other provisions remain in full force and effect. 

NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly in writing if You move or otherwise have a change of address. 

CHANGE IN TERMS. We may change the terms of this Agreement by mailing or delivering to You written notice of the changes as prescribed by the  Federal 
Truth-In-Lending  Act.  To  the  extent  permitted  by  law,  the  right  to  change  the  terms  of  this  Agreement  includes,  but  is  not  limited  to,  the  right  to  change  the 
periodic rate applicable to Your unpaid balance and/or future advances. 

CREDIT  INSURANCE.  Credit  insurance  is  not  required  for  any  extension  of  credit  under  this  Agreement.  However,  You  may  purchase  any  credit  insurance 
available  through  Us  and  have  the  premiums  added  to  Your  outstanding  balance.  If  You  elect  to  do  so,  You  will  be  given  the  necessary  disclosures  and 
documents separately. 

INTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional Disclosure — Federal Truth-In-Lending Act," which is delivered together with this 
Agreement or at a later date becomes an integrated part of this Agreement and Disclosure. 

CONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement. By signing the application; or by using Your Account or any Account access 
device; or by authorizing another to use Your Account, You agree to and accept its terms. 

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UPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts to update information contained in Your original Account application or other 
financial information related to You, at Our request. You also agree that We may, from time to time, as We deem necessary, make inquiries pertaining to Your 
employment, credit standing and financial responsibility in accordance with applicable laws and regulations. You further agree that We may give information about 
the status and payment history of Your Account to consumer credit reporting agencies, a prospective employer or insurer, or a state or federal licensing agency 
having any apparent legitimate business need for such information.  

TERMINATION. Either You or We may cancel Your Account or any particular Credit Card of Your Account, at any time, whether or not You are in default. You 
will, in any case, remain liable to pay any unpaid balances according to the terms of Your Account. 

GOVERNING  LAW.  This  Agreement  is  controlled  and  governed  by  the  laws  of  the  State  of  Missouri  except  to  the  extent  that  such  laws  are  inconsistent  with 
controlling federal law. 

OWNERSHIP. Your Card remains Our property and may be cancelled by Us at any time without notice. You agree to surrender Your Card and to discontinue its 
use immediately upon Our request. 

ISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue You a Personal Identification Number (PIN) for use with participating Automated Teller 
Machines (ATMs). This PIN is confidential and should not be disclosed to anyone. You may use Your PIN to access Your Account and all sums advanced will be 
added  to  Your  Account  balance.  In  the  event  a  use  of  Your  PIN  constitutes  an  Electronic  Fund  Transfer,  the  terms  and  conditions  of  Your  Electronic  Fund 
Transfer Agreement may also affect Your rights. Your use of the PIN is Your authorization to Us to withdraw funds from Your Account or charge Your Card to 
cover such transactions. 

EFFECT  OF  AGREEMENT.  Even  though  the  sales,  cash  advance,  credit  or  other  slips  You  may  sign  or  receive  when  using  Your  Card  contain  terms,  this 
Agreement is the contract which solely applies to all transactions involving the Card. 

UNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. You will not be liable for the unauthorized use that occurs after You notify Us of 
the  loss,  theft,  or  possible  unauthorized  use  by  calling  Us  at  the  telephone  number  shown  in  this  Agreement  or  by  writing  to  Us  at  the  address  shown  in  this 
Agreement. In any case, Your liability will not exceed $50.00. 

REFUSAL  TO  HONOR  CARDS.  We  are  not  liable  for  the  refusal  or  inability  of  merchants,  financial  institutions  and  others  to  accept  the  Cards,  or  electronic 
terminals to honor the Cards or complete a Card withdrawal, or for their retention of the Cards. 

FOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the exchange rate between the transaction currency and the billing currency (U.S. 
dollars)  will  be:  (a)  a  rate  selected  by  MasterCard  from  the  range  of  rates  available  in  wholesale  currency  markets  for  the  applicable  central  processing  date, 
which rate may vary from the rate MasterCard itself receives; or (b) the government-mandated rate in effect for the applicable central processing date. In each 
instance, You will be charged 1.00% calculated on the final settlement amount. 

TRANSACTION SLIPS. Your monthly statement will identify that merchant, electronic terminal or financial institution at which transactions were made, but sales, 
cash advances, credit or other slips cannot be returned with the statement. 

LOST CARDS. To report lost or stolen Credit Cards or PINs, or any combination thereof, You will immediately call the following numbers: (314) 298-0055 or (800) 
522-6009 during regular business hours. After business hours, for MasterCard Platinum, MasterCard Platinum Rewards or MasterCard  Platinum Secured Credit 
Cards call (800) 449-7728 and for World MasterCard Credit Cards call (866) 820-2908. 

CREDITS.  If  a  merchant  who  honors  Your  Card  gives  You  credit  for returns or adjustments, they will do so by sending Us a slip which will be posted to Your 
Account. If Your credits and payments exceed what You owe Us, We will hold and apply this credit against future purchases and cash advances, or if it is $1.00 
or more refund it on Your written request or automatically deposit it to Your Regular Savings account after six months.   

ORAL  AGREEMENTS.  Oral  agreements  or  commitments  to  loan  money,  extend  credit  or  to  forbear  from  enforcing 
repayment of a debt including promises to extend or renew such debt are not enforceable.  To protect You and Us from 
misunderstanding  or  disappointment,  any  agreements  We  reach  covering  such  matters  are  contained  in  this  writing, 
which is the complete and exclusive statement of the agreement between Us, except as We may later agree in writing to 
modify it. 

This notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

Your Billing Rights: Keep this Document for Future Use 

If You think there is an error on Your statement, write to Us at Our address shown in this Agreement. In Your letter, give us the following information: 

•  Account information: Your name and Account number. 
•  Dollar amount: The dollar amount of the suspected error. 
•  Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You believe it is a mistake. 

You must contact Us: 

•  Within 60 days after the error appeared on Your statement. 
•  At least three business days before an automated payment is scheduled, if You want to stop payment on the amount You think is wrong. 

You must notify Us of any potential errors in writing. You may call Us, but if You do We are not required to investigate any  potential errors and You may have to 
pay the amount in question.  

When We receive Your letter, We must do two things: 

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1)  Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have already corrected the error. 
2)  Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is correct. 

While We investigate whether or not there has been an error: 

•  We cannot try to collect the amount in question, or report You as delinquent on that amount. 
•  The charge in question may remain on Your statement, and  We may continue to charge You interest on that amount. 
•  While You do not have to pay the amount in question, You   are responsible for the remainder of Your balance. 
•  We can apply any unpaid amount against Your Credit Limit. 

After We finish Our investigation, one of two things will happen: 

•  If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. 
•  If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send You a statement of 

the amount You owe and the date payment is due. We may then report You as delinquent if You do not pay the amount We think You owe. 

If You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to pay. If You do so, We 
cannot report You as delinquent without also reporting that You are questioning Your bill. We must  tell You the name of anyone to whom We reported You as 
delinquent, and We must let those organizations know when the matter has been settled between Us. If We do not follow all of  the rules above, You do not have 
to pay the first $50.00 of the amount You question even if Your bill is correct. 

Your Rights If You Are Dissatisfied With Your Credit Card Purchases 

If You are dissatisfied with the goods or services that You have purchased with Your Credit Card, and You have tried in good faith to correct the problem with the 
merchant, You may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 

1)  The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the purchase price must have been more 
than $50.00. (Note: Neither of these are necessary if Your purchase was based on an advertisement We mailed to You, or if We  own the company that sold 

  You the goods or services.) 

2)  You must have used Your Credit Card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses Your Credit Card  

  account do not qualify. 

3)  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing at Our address shown in this Agreement.  

While We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, We will tell You Our decision. At that 
point, if We think You owe an amount and You do not pay, We may report You as delinquent. 

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PRICING INFORMATION ADDENDUM – 
CREDIT CARD AGREEMENT 
AND DISCLOSURE STATEMENT 

THIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR WORLD MASTERCARD, 
MASTERCARD  PLATINUM,  MASTERCARD  PLATINUM  REWARDS  AND  MASTERCARD  PLATINUM 
SECURED CREDIT CARDS. PLEASE BE SURE TO READ THIS ADDENDUM CAREFULLY AND NOTIFY US 
AT ONCE IF ANY PARTS ARE UNCLEAR. 

Interest Rate and Interest Charges 

Annual Percentage Rate 
(APR) For Purchases, 
Balance Transfers and 
Cash Advances 

World MasterCard:  10.99% - 25.99% depending on Your creditworthiness. 

These APRs will vary with the market based on the Prime Rate. 

MasterCard Platinum:  8.74% - 23.74% depending on Your creditworthiness. 

These APRs will vary with the market based on the Prime Rate. 

MasterCard Platinum Rewards:  10.49% - 25.49% depending on Your creditworthiness. 

These APRs will vary with the market based on the Prime Rate. 

MasterCard Platinum Secured:  18.74% - 23.74% depending on Your creditworthiness. 

These APRs will vary with the market based on the Prime Rate. 

Penalty APR And When it 
Applies 

28.74% 

  This APR will vary with the market based on the Prime Rate. 

This APR may be applied if: 
1)   You make a late payment. 

How  Long  Will  The  Penalty  APR  Apply?  If  Your  APRs  are  increased  for  this  reason,  the 
Penalty APR applied to transactions that occur after the increase may be applied  indefinitely. 
For transactions that occurred prior to the effective date of the increase, the increase will apply 
indefinitely  unless  three consecutive payments are received on or before the due date during 
the three-month period following such increase. 

Paying Interest 

We  will  not  charge  You  interest  on  purchases  if  You  pay  Your  entire  balance  owed  each  month 
within  25  days  from  Your  statement  closing  date.  We  will  begin  charging  interest  on  cash 
advances and balance transfers on the transaction date. 

Fees 

Transaction Fees 

  Foreign Transaction 

Penalty Fees 

1.00% of each foreign currency transaction in U.S. Dollars. 
1.00% of each U.S. Dollar transaction that occurs in a foreign country. 

  Returned Payment 
  Late Payment 

Up to $25.00 
For payments over $25.00, $10.00-$25.00 subject to Your payment amount, after 15 days. 

How  We  Will  Calculate  Your  Balance:  We  use  a method called "average daily balance (including new purchases).” See Your 
Account Agreement for details. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your  Account 
Agreement.  

FINANCE  CHARGES.  In  the  case  of  any  transactions  under  Your  World  MasterCard,  MasterCard  Platinum,  MasterCard  Platinum  Rewards  or  MasterCard 
Platinum Secured Credit Card(s), the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month 
(including  new  transactions).  To  get  the  average  daily  balance,  We  take  the  beginning  balance  each  day,  add  any  new  purchases,  balance  transfers,  cash 
advances,  insurance  premiums,  debit  adjustments  or  other  charges  and  subtract  any  payments,  credits  and  unpaid  Finance  Charges.  This  gives  Us  the  daily 

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balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing 
cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. 

You can avoid Finance Charges on purchases of goods and services by paying the full amount of the entire balance owed each month within 25 days of Your 
statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a 
Finance Charge. Cash advances and balance transfers are always subject to a Finance Charge from the date they are posted to Your Account. 

The Monthly Periodic Rate that will apply to Your unpaid World MasterCard balance will be 0.9159%  - 2.1659% (corresponding ANNUAL PERCENTAGE RATE 
10.99% - 25.99%), depending on Your creditworthiness. 

The  Monthly  Periodic  Rate  that  will  apply  to  Your  unpaid  MasterCard  Platinum  balance  will  be  0.7284%  -  1.9784%  (corresponding  ANNUAL  PERCENTAGE 
RATE 8.74% - 23.74%), depending on Your creditworthiness. 

The  Monthly  Periodic  Rate  that  will  apply  to  Your  unpaid  MasterCard  Platinum  Rewards  balance  will  be  0.8742%  -  2.1242%  (corresponding  ANNUAL 
PERCENTAGE RATE 10.49% - 25.49%), depending on Your creditworthiness. 

The  Monthly  Periodic  Rate  that  will  apply  to  Your  unpaid  MasterCard  Platinum  Secured  balance  will  be  1.5617%  or  1.9784%  (corresponding  ANNUAL 
PERCENTAGE RATE 18.74% - 23.74%), depending on Your creditworthiness. 

For World MasterCard, the Margin will be 7.24%  - 22.24%, depending on Your creditworthiness. For MasterCard Platinum, the Margin will be 4.99%  - 19.99%, 
depending on Your creditworthiness. For MasterCard Platinum Rewards, the Margin will be 6.74% - 21.74%, depending on Your creditworthiness. For MasterCard 
Platinum secured, the Margin will be 14.99% - 19.99%, depending on Your creditworthiness. 

Copyright Oak Tree Business Systems, Inc., 2010-2016. All Rights Reserved. 

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     OTBS 016ACC FRB_ Web VANT (12/16) 
Rev. (12/16)