INTEREST RATE AND INTEREST CHARGES 

Annual Percentage Rate (APR) 
for Purchases, Cash Advances 
and Balance Transfers 

VISA Platinum 2.90% Introductory APR for 6 billing cycles.  

After that 8.90% to 17.90%. These APRs will vary with the market 
based on the prime rate.1 

VISA Platinum Rewards 2.90% Introductory APR for 6 billing cycles.  

After that, 9.90% to 12.90%. These APRs will vary with the market 
based on the prime rate.1 

VISA Platinum Secured 2.90% Introductory APR for 6 billing cycles.  

After that, 8.90%.1 

We will not charge You interest on purchases if You pay Your entire balance owed 
each month by Your payment's due date. We will begin charging interest on cash 
advances and balance transfers on the transaction date. 

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 

For VISA Platinum Secured, $20.00 

Paying Interest 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 
FEES 
Annual Fees 

Transaction Fees: Foreign 
Transaction Fee 

1% of each foreign currency transaction in U.S. Dollars. 0.80% of each U.S. Dollar 
transaction that occurs in a foreign country 

Penalty Fees: Late Payment 

Up to $35.00 after your statement closing date 

Penalty Fees: Returned Payment  Up to $35.00 

How We Will Calculate Your 
Balance: 

We use a method called "average daily balance (including new purchases)." See Your 
Account Agreement for details. 

1 VARIABLE RATE. All advances are subject to a Variable Interest 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 last business day of each calendar month ("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 first day of the billing cycle that immediately follows any 
such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the 
number of your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to your remaining principal 
balance. 

•  The Margin that will apply to your VISA Platinum Account is 5.65%-14.65%, based on your creditworthiness at the time you establish 

your Account. 

•  The Margin that will apply to your VISA Platinum Rewards Account is 6.65%-9.65%, based on your creditworthiness at the time you 

establish your Account. 

•  The Margin that will apply to your VISA Platinum Secured Account is 5.65%, based on your creditworthiness at the time you establish 

your Account.