Account Opening Disclosure 
For Your            Card 

Interest Rates and Interest Charges 

Variable Rates shown are accurate as of January 2, 2010. 

Classic Visa 
Standard MasterCard 

Visa Platinum 

MasterCard Gold 

Annual Percentage 
Rate (APR) for 
Purchases 

N/A%introductory 
APR for 6 months  

N/A%introductory 
APR for 6 months  

N/A%introductory 
APR for 6 months  

After that your APR will 
be 12.15%. This 
APR will vary with the 
market based on the 
Prime Rate.   
N/Aintroductory APR 
for 6 months  

After that your APR 
will be 7.50%. This 
APR will vary with the 
market based on the 
Prime Rate.   
N/Aintroductory APR 
for 6 months  

After that your APR 
will be 10.15%. 
This APR will vary 
with the market based 
on the Prime Rate.    
N/Aintroductory APR 
for 6 months  

After that your APR will 
be 12.15%.This APR 
will vary with the 
market based on the 
Prime Rate.    
Same as Purchse Rate listed above %.This APR will vary with the market 
based on the Prime Rate.    

After that your APR 
will be 7.50%.This 
APR will vary with the 
market based on the 
Prime Rate.   

After that your APR 
will be 10.15%.This 
APR will vary with the 
market based on the 
Prime Rate.   

Your due date is at least 25 days after the close of each billing cycle.  
We will not charge you interest on purchases and balance transfers if 
you pay your entire balance by the due date each month. We will begin 
charging interest on cash advances on the posting date. 

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.gov/creditcard. 

MasterCard Gold                     $20.00 Annual Fee.  
Visa Platinum                           $30.00 Annual Fee. 
Visa Classic MasterCard Std  NO Annual Fee. 

APR for Balance 
Transfers 

APR for Cash 
Advances 

Paying Interest 

For Credit Card 
Tips from the 
Federal Reserve 
Board 

Fees 

Annual Fee 

Transaction Fees 

•  Balance Transfer 
•  Cash Advance 

$None 

$None 

Penalty Fees 

•  Late Payment 

$15.00 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
•  Returned Payment 
•  Over the Limit 

$10.00 
$None 

How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily  balance 
(including new transactions)”. 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. 

Additional Interest Rate Information:  

Purchases and Balance Transfers: 

During the first 6 months, the Monthly Periodic Rate (MPR) corresponding to the 
introductory  APR  above  is  N/A%.    After  the  first  6  months,  the  MPR  (as  of  the 
date  above)  corresponding  to  the  APR  above  is  1.0125%  for  Visa  Classic  and 
MasterCard  Standard,  0.625%  for  Visa  Platinum,  and  0.845%  for  MasterCard 
Gold. 

Cash Advances:  

The  MPR  (as  of  date  above)  corresponding  to  the  APR  above  is  1.0125%  for 
Visa  Classic  and  MasterCard  Standard,  0.625  %  for  Visa  Platinum,  and  0.845  %  for 
MasterCard Gold. 

Your  APR  may  increase  on  an  annual  basis.   The  APR  for  Purchases  and  Balance  Transfers 
(after  the  first  6  months)  and  on  Cash  Advances  is  determined  by  adding  the  margin  shown 
below to the Prime Rate as reported in the Money Rates Section of the Midwest Edition of the 
Wall Street Journal on the first business day of each calendar year. 

The  margin  for  Purchases  and  Balance  Transfers  is  8.90%  for  Visa  Classic  and  MasterCard 
Standard, 4.25% for Visa Platinum, and 6.90% for MasterCard Gold. 

The margin for Cash Advances is 8.90% for Visa Classic and MasterCard Standard, 4.25% Visa 
Platinum, and 6.90% for MasterCard Gold. 

Minimum Payment Due: 

Your Minimum Payment Due each month will be the greater of:  (1) $10.00 (or the new Balance 
shown  on  the  Periodic  Statement  if  it  is  less  than  $10.00  or  (2)  4.00%  for  Visa  Classic  and 
MasterCard Std and MasterCard Gold, 3.00% for Visa Platinum of the New Balance shown on 
the  Periodic  Statement,  plus  any  past  due  amount  and  any  amount  that  exceeds  your  credit 
limit. 

Additional Charges:   

Bank’s ATM Fee:  $ None 

Card Replacement Fee: $None 

Credit Insurance Fee:  $N/A 

QCBT  original products Agent 1000 VC MCS MCG VP