Secured MasterCard® - Disclosure Summary 
Important information about this Credit Card 

Interest Rates and Interest Charges 
Annual Percentage Rate 
(APR) for Purchases 

20.40% when you open your account.  

APR for Balance 
Transfers 

     This APR will vary with the market based on the Prime Rate. 
20.40% when you open your account.  

APR for Cash Advances 

     This APR will vary with the market based on the Prime Rate. 
23.40%, when you open your account.  

Penalty APR 

     This APR will vary with the market based on the Prime Rate. 
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 

$48  

Transaction Fees 
  Balance Transfer 

None 

The Annual Fee will be assessed during the first billing cycle. 

  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.   

*  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 Cardmember Agreement and Secured Credit Card Addendum.  Account and Agreement terms are not guaranteed 
for  any  period  of  time.  By  signing  and/or  submitting  the  secured  card  application  you  understand  that  the  amount  deposited  by  you  will  be  used  as 
collateral to secure the obligations to the Bank that you incur from time to time in connection with your Secured Card Account. THE SECURED DEPOSIT 
ACCOUNT DOES NOT EARN INTEREST. The Bank does not send statements for the Secured Deposit Account. The Secured Deposit Account is not payable 
at a specific date or after a specified period of time. In accordance with the agreement and applicable law, the Bank may change these terms at any time 
by adding new terms or deleting or amending current terms.   

01-2019