Platinum Rewards MasterCard® - Disclosure Summary 
Important information about this Credit Card 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

APR for Balance 
Transfers 

0.00% introductory APR for the first 6 Billing Cycles following Account opening.  
After that, your APR will be from 14.40% to 24.40%. This APR will vary based on the Prime Rate 
and your creditworthiness. 
0.00% introductory APR for the first 6 Billing Cycles following Account opening.  

APR for Cash Advances 

After that, your APR will be from 14.40% to 24.40%. This APR will vary based on the Prime Rate and 
your creditworthiness. 
17.40% to 27.40%, when you open your account, based on your creditworthiness.  

Penalty APR 

After that, your APR will vary with the market based on the Prime Rate and your creditworthiness. 
None 

How to Avoid Paying 
Interest on Purchases 

Your due date is at least 26 days after the close of each billing cycle. We will not charge you any 
interest on purchases if you pay your entire balance by the due date each month. 

Minimum Interest 
Charge 
For Credit Card Tips from 
the Consumer Financial 
Protection Bureau 

Not applicable 

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 

Fees 
Annual Fee 
Transaction Fees 
  Balance Transfer 

None 

None 

  Cash Advance 

Either $5 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $75). 

  Foreign Transaction 
Penalty Fees 
  Late Payment  

2% of each transaction in U.S. Dollars. 

Up to $25* 

  Returned Payment 

Up to $35 

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” 

How We Will Calculate Your Variable APR: Unless an introductory or promotional APR is in effect, we will add a “Margin” to an “Index 
Rate” to determine your standard variable rate.  The Index Rate will be equal to the U.S. Prime Rate (“Prime Rate”) in the Money Rates 
section of The Wall Street Journal published on the last day of the previous calendar month before the Closing Date shown on your billing 
statement.  At account opening the APRs applicable to your account will be determined by our review of your credit report, information 
you  provide  on  your  application,  and  other  relevant  information  available  to  us.   You  may  not  qualify  for  the  lowest  APRs  disclosed 
above.  Periodically while your account is open, we will reevaluate your creditworthiness and determine whether your Account should be 
moved into a  different  pricing tier with a  higher or lower  Margin thereby increasing or reducing, respectively, your  APR for Purchases, 
Balance Transfers and Cash Advances. 

* If your Total Minimum Payment Due is not received by your Payment Due Date, a Late Payment Fee of $25 will be assessed.  However, 
the Late Payment Fee will not exceed the total minimum payment that was due. 

All account terms are governed by the Credit Card Agreement. Account and Agreement terms are not guaranteed for any period of time. 
In  accordance  with  the  Agreement  and  applicable  law,  we  may  change  them  based  on  information  in  your  credit  report,  market 
conditions,  business  strategies,  or  for  any  reason.  Refer  to  the  Rewards  Program  Terms  and  Conditions  for  additional  details  on  point 
accrual and redemption at www.localfirstbank.com/Rewards. 

01-2019