P.O. Box 20541 Atlanta, GA 30320-2541         CREDIT CARD APPLICATION AND SOLICITATION DISCLOSURE  
  
Interest Rates and Interest Charges  
 
 Visa Platinum Rewards  
Annual Percentage 
Rate (APR) for 
Purchases  11.25 % to 15.25 %, based on your creditworthiness 
Your APR will vary with the market based on the Prime Rate  
APR for Balance 
Transfers  11.25 % to 15.25 %, based on your creditworthiness   
This APR will vary with the market based on the Prime Rate  
APR for Cash 
Advances  11.25 % to 15.25 %, based on your creditworthiness  
This APR will vary with the market based on the Prime Rate  
Penalty APR and 
When it Applies 16.25 % to 20.25 %, based on your creditworthiness  
This APR will vary with the market based on the Prime Rate   This APR may be applied to the entire balance on your account if you: - Make a late payment  
How Long Will the Penalty APR Apply? If Your APRs are increased for this reason, the Penalty APR will apply until you make at least six (6) minimum payments by the payment due date as shown in your 
monthly statement.  
Paying Interest  Your due date is at least 25 days after the close of each billing cycle.  
We do not charge you interest on purchases if you pay your entire balance by the due date each month.  We will begin charging interest 
on cash advances and balance transfers on the transaction date.  
Minimum Interest 
Charge  None  
For Credit Card 
Tips from the Consumer Financial 
Protection Bureau  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     
 How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� Effective Date: The information about the costs of the card described in this disclosure is accurate as of November 10, 2019. This information may have changed after that date.  For more information please contact us at 1-800-544-3328. OTHER DISCLOSURES Late Payment Fee - $25.00 or the amount of the required minimum payment, whichever is   less, if you are ten (10) or more days late in making a payment. Returned Payment Fee - $25.00 or the amount of the required minimum payment, whichever is less. Returned payment fees are assessed for both returned checks and for returned auto transfer payments that are NSF on the due date.  Statement Copy Fee -             $3.00 Document Copy Fee -  $6.00 Rush Fee - $15.00 Weekday  $30.00 Saturday Stop Payment Fee - $15.00 Payment Holiday Fee -  $0.00 Fees  
Annual Fee  None  
Transaction Fees  
- Cash Advance  - Foreign Transaction Fee 
  
$3.00 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars 
Penalty Fees  
- Late Payment Fee - Over-the-Credit Limit Fee 
- Returned 
Payment Fee   
Up to $25.00  None  Up to $25.00