DISCLOSURES REQUIRED BY FEDERAL LAW 

1. FINANCE CHARGES: 
 a) Calculations Methods – Cash Advance: A   

Credit Purchases G 

(See below for Periodic Finance Charge calculation method descriptions). 

 b) Periodic Rates used to compute FINANCE CHARGES – 
     Cash Advances:   .749 % per month  
     Corresponding ANNUAL PERCENTAGE RATES –  

Credit Purchases:   .749 % per month 

FICO SCORE 

A+ (730+) 
A (680-729) 
B (640-679) 
C (600-639) 
D (550-599) 
E (549 OR LESS) 

RATE 
8.99% 
9.95% 
10.49% 
12.95% 
15.49% 
17.95% 

Annual Percentage Rates are variable and based on your credit worthiness and apply to purchases, 
cash advances and balance transfers. 

c) For Cash Advances obtained Over the Counter equal to or greater than $   .00 a FINANCE 
CHARGE equal to the greater of $   .00  or     .00 % of the cash advance will be imposed; however 
this charge will not exceed $    .00 for each Over the Counter Cash Advance. For Cash Advances 
obtained at an Automated Teller Machine (ATM) equal or greater than $   .00 a FINANCE 
CHARGE equal to the greater of  $   .00 or  .00% of the cash advance will be imposed; 
However this charge will not exceed $  .00  for each ATM cash advance. A transaction fee may 
also be imposed by an ATM operator, not holding your account, or by any national, regional or 
local network used to complete a Cash Advance transaction. 

2. OVER LIMIT CHARGES:  Cardholder shall immediately pay the amount by which the total 
New Balance exceeds the maximum authorized credit. An Over Limit Charge of up to $0.00 may 
be applied. 

3.  ANNUAL FEE:  
a)  A non-refundable Annual Fee of up to $0.00 plus applicable taxes, shall be charged to your 
account, or –  
b)  Using Plan 0 (see Sec. 11) An Annual Fee/ FINANCE CHARGE of $   .00 plus applicable 
taxes shall be charged unless, for the time period analyzed, you charged more that $    0 or had 
more than   0  transactions on your card. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
4.  MINIMUM PAYMENT: 
a)  The minimum payment required is the New Balance shown on your statement if the amount is 
equal or less than $15.00 

b)  If the New Balance exceeds $15.00, the minimum payment is  2.50% of that portion of the New 
Balance which does not exceed your credit limit (rounded up to the nearest dollar), or $15.00, 
which is greater, plus the entire portion of the New Balance in excess of your credit limit, plus any 
amount past due. 

5.  LATE CHARGES: If the minimum required payment is not received by the date listed on your 
statement, you may have to pay up to a $15.00 late fee. 

6.  RETURNED CHECK FEE:  If your payment is returned for any reason, you may have to pay 
up to a $15.00 returned check fee. 

7.  The only FINANCE CHARGES assessed on your account other than those assessed by a 
periodic rate, will be transaction FINANCE CHARGES in connection with Cash Advances, or 
International Transaction Fees (i.e. cross-border and/or currency conversion fees) of up to 1%, 
which may qualify as a FINANCE CHARGE (see item O. on back), if part of your plan. 
Transactions FINANCE CHARGES for each Cash Advance will be imposed on the date the Cash 
Advance was posted on your account. No grace period applies on any transaction FINANCE 
CHARGE imposed for Cash Advances. 

8.  Documentary stamp taxes as may be required by law shall be imposed on each Cash Advance 
at the time the loan is made. 

9.  The annual fee shall be treated as a Credit Purchase for purposes of calculating FINANCE 
CHARGES, unless prohibited by law. 

10. If you have other loans or credit extensions from Issuer, or take out other loans or credit extensions with 
Issuer in the future, collateral securing those loans or credit extensions will also secure your obligations 
under this agreement. However, unless you expressly agree otherwise, your household goods and dwelling 
will not secure your obligations under this agreement even if the Issuer has, or later acquires, a security 
interest in the household goods or the mortgage on the dwelling. If you have executed a written agreement 
granting a security interest in any deposit accounts (checking, savings or share accounts) or other funds held 
by Issuer to secure your obligations under this credit card pan, such accounts and/or funds are additional 
security for your obligations to Issuer arising from the use of your card. 

11. Annual Fee Plans: Your Annual Fee waiver analysis, under the Plan noted in Section 3.b, only includes 
the following transactions: Plan 1: Gross Sales; Plan 2: Gross Cash Advances; Plan 3: Net Sales; Plan 4: Net 
Cash Advances; Plan 5: Gross Sales plus Gross Cash Advance; Plan 6: Net Sales plus Net Cash Advances 
(Note: Time period analyzed shall be prior 12 month period; however initial time period may be less than 12 
months as it begins on the date you were notified of this program. Annual Fees shall not be waived for 
cardholders in default).  

12. Other Fees:   

Statement Copy Fee – up to $1.00 per statement 
Rush Fee – up to $40.00 per card. 
Emergency Card Replacement – up to $150.00 per card. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
PERIODIC FINANCE CHARGE CALCULATION METHODS 

The Periodic Finance Charge Calculation Method applicable to your account for Cash Advance and Credit 
purchases of goods and services that you obtain through the use of your Card is specified in the Interest 
Charge Calculation/Plan Level Information box on your credit card statement and explained below: 

Method A – Average Daily Balance (including current transactions). The Finance Charge on 

purchases begins from the date the transaction is posted to your account and the Finance Charge on cash 
advances begins from the date you obtained the cash advance, or the first day of the billing cycle in which it 
is posted to your account, whichever is later. There is no grace period. 

The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the 

“average daily balance” of your account. To get the average daily balance, we take the beginning balance of 
your account each day, add any new purchases or cash advances, subtract any payments, credit, non-
accruing fees and unpaid finance charges. This gives us the daily balance. Then we add all the daily 
balances for the billing cycle and divide the total by the number of days in the billing cycle. 

Method E – Average Daily Balance (excluding current transactions). To avoid incurring an 

additional Finance Charge on the balance of purchases (and cash advances if Method E is specified as 
applicable to cash advances) reflected on your monthly statement, you must pay the New Balance shown on 
your monthly statement on or before the Payment Due Date. The grace period for the New Balance of 
purchases extends to the Payment Due Date. 

The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the 

“average daily balance” of your account. To get the average daily balance, we take the beginning balance of 
your account each day, add any new purchases or cash advances, subtract any payments, credit, non-
accruing fees and unpaid finance charges. This gives us the daily balance. Then we add all the daily 
balances for the billing cycle and divide the total by the number of days in the billing cycle. 

Method F - Average Daily Balance (including current transactions). To avoid incurring an additional 

Finance Charge on the balance of cash advances (and purchases if Method F is specified as applicable to 
purchases) reflected on your monthly statement, you must pay the Beginning Balance shown on your 
monthly statement on or before the Payment Due Date. No grace period is provided for current cycle 
transactions.  

The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the 

“average daily balance” of your account. To get the average daily balance, we take the beginning balance of 
your account each day, add any new purchases or cash advances, subtract any payments, credit, non-
accruing fees and unpaid finance charges. This gives us the daily balance. Then we add all the daily 
balances for the billing cycle and divide the total by the number of days in the billing cycle. 

Method G - Average Daily Balance (including current transactions). To avoid incurring an 

additional Finance Charge on the balance of purchases (and cash advances if Method G is specified as 
applicable to cash advances) reflected on your monthly statement and, on any new purchases (and if 
applicable, cash advances) appearing on your next monthly statement, you must pay the New Balance 
shown on your monthly statement, on or before the Payment Due Date. The grace period for the New 
Balance of purchases extends to the Payment Due Date. 

The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the 

“average daily balance” of your account. To get the average daily balance, we take the beginning balance of 
your account each day, add any new purchases or cash advances, subtract any payments, credit, non-
accruing fees and unpaid finance charges. This gives us the daily balance. Then we add all the daily 
balances for the billing cycle and divide the total by the number of days in the billing cycle. 

 
 
 
 
 
 
 
 
 
 
 
 
 
TERMS GOVERNING THE USE OF YOUR CARD 

The person (“Cardholder”) whose name is embossed on the face of the VISA (“Card”) enclosed 
herewith, and each Cardholder, in the event more than one Card is enclosed herewith bearing the same 
account number, by signing or using said Card receipt of which is acknowledged, agrees with the Issuer of 
the Card whose name is printed on the reverse (“Issuer”) as follows: 

A) Goods and services (“Credit Purchases”) may be purchased or leased by means of such card by 

Cardholder from any retail Business establishment (“seller”) who honors same upon the execution of a sales 
slip evidencing such Credit Purchases and bearing the account number of Cardholder embossed on the face 
of such Card. Additionally, VISA Cash Advances (“Loans”) may be obtained through use of such Card (a) 
upon execution of a written request to Cardholder in a form furnished to Cardholder from any financial 
institution that is a member, alone or in association with others, of VISA U.S.A. Inc. and (b) upon execution 
of a written separate agreement with issuer for a VISA overdraft financing agreement if offered by Issuer. 
B) Cardholder shall be liable and agrees to pay Issuer for Credit Purchases made by, or for Loans 

extended to, Cardholder or anyone else using such Card unless the use of such Card is by a person other that 
the Cardholder (a) who does not have actual, implied or apparent authority for such use, and (b) from which 
Cardholder receives no benefit. Additionally, Cardholder shall be jointly and severally liable and agrees to 
pay for all Credit Purchases and Loans obtained through the use of any other Card bearing Cardholder’s 
account number that has been issued to another person by reason of such person being a member of the 
Cardholder’s family, or otherwise issued up Cardholder’s request (all such Cards Bearing the VISA account 
number hereinafter collectively called (“Related Cards”). 

C)  Cardholder agrees to pay to Issuer and annual membership fee (as stated in the Disclosures on 

the reverse) for participation in the Issuer’s credit card plan. Such annual membership fee shall be imposed 
whether or not Cardholder uses the card to obtain purchases and loans. The membership fee shall be 
charged to Cardholder’s account each year in the month of Issuer’s choice. The membership fee is not 
refundable in the event of termination of the account by either Cardholder or Issuer unless otherwise 
provided by law. 

D)  Each Card is the property of Issuer, and is not transferable and must be surrendered upon 
demand. It can be canceled as well as repossessed by Issuer or its designee, and the privileges thereof 
revoked, at any time without prior notice. 

E)   Cardholder shall not use the Card or permit the use of Related Cards to obtain Credit Purchases 

or Loans, which will increase Cardholder’s indebtedness to Issuer to an amount in excess of the limit 
established by Issuer. 

F)   All Credit Purchases and Loans are affected at the option of the Seller and Cash Advancing 

Financial Institution respectively, and Issuer shall not be responsible for refusal by any Seller or Cash 
Advancing Financial Institution to honor the Card or any Related Card. Any refund adjustment or credit 
allowed by Seller shall not be by the cash but rather by a credit advice to Issuer which shall be shown as a 
credit on Cardholder’s account statement with Issuer. 

G)   Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting 
for the prior monthly period all VISA Card and Related Card transactions. Such statement shall be deemed 
correct and accepted by Cardholder and all holders of Related Card unless Issuer is notified to the contrary 
in writing within 60 days of mailing of such statement. Cardholder will pay such statement by remitting to 
Issuer within 25 days of the closing date reflected on the statement either the full amount billed or, at 
Cardholder’s option, an installment equal to at least the required minimum payment stated in Section 4 on 
the reverse. 

H)   Interest on Loans and Credit Purchases will be charged in accordance with the finance charge 

method referred to in Section 1 of the disclosures on the reverse side. The rate of interest shall be 
established by Issuer from time to time, but shall never exceed the maximum rate permitted by law. The 
current interest rate per annum is the Annual Percentage Rate set forth in Section 1 of the Disclosures on the 
reverse side. 

 
 
 
 
 
I)   If the card is canceled or surrender is demanded by Issuer, or if Cardholder defaults in any 
payment past due, or is deceased, bankrupt or insolvent, or any attachment or garnishment proceedings are 
initiated against Cardholder or his property, Issuer may elect to declare all amounts then owned to Issuer to 
be immediately due and payable without notice or demand of any kind. If Cardholder has other loans from 
Issuer, or takes out other loans with Issuer in the future, collateral securing those loans will also secure the 
Cardholder’s obligations under this agreement. However, unless the Cardholder expressly agrees otherwise, 
the Cardholder’s household goods and dwelling will not secure Cardholder’s obligations under this 
agreement even if Issuer has or later acquires a security interest in the household goods or a mortgage on the 
dwelling. Cardholder agrees to pay all cost incurred by Issuer in collecting Cardholder’s indebtedness or in 
enforcing this agreement, including reasonable attorney’s fees and also those costs, expenses and attorney’s 
fees incurred in appellate, bankruptcy and post-judgment proceedings, except to the extent such costs, fees 
or expenses are prohibited by law. 

J)   This agreement may be amended from time to time by Issuer by written notice mailed to 

Cardholder at Cardholder’s last known address. 

K)  Except to the extent that Federal Law is applicable, the validity, construction and enforcement of 
this agreement and all matter’s arising out of the issuance and use of the Card shall be governed by the laws 
of the state in which the principal office of Issuer is located. 

L)   Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not 

honored by your financial institution, request a copy of a document, request a replacement card or use your 
card for a transaction at an automated teller machine, if such charges are not prohibited by law or regulation. 
No finance Charge will be assessed on such additional charges. 

M)   If it is believed that the Card has been lost or stolen or used in an unauthorized manner, the 

Cardholder shall contact Issuer AT ONCE, in order to minimize possible losses. In most cases, the 
Cardholder will not be liable for any unauthorized transactions unless it is determined that the Cardholder 
was grossly negligent or fraudulent in the handling of the Card. Notification can be made orally or in 
writing at:  

Credit Card Security Department 
P.O. Box 30035 
Tampa, FL 33630 

Telephone Number 
(727) 570-4881 

N)    Cardholder agrees that Issuer, its agents or service companies may monitor and/or record any 

telephone communications with Cardholder. 

O)    Payments must be made to the Issuer in the U.S. dollars drawn on a U.S. Financial Institution. 

If Cardholder incurs charges in any other currency, the charges will be converted into U.S. dollars. The 
exchange rate for transactions in a foreign currency will be rate selected by VISA from the range of rates 
available in wholesale currency markets for the applicable central processing date, which rate may vary 
from the rate VISA itself receives, or the government mandated rate in effect for the applicable central 
processing date. All transactions in foreign countries will be subject to a 1% conversion or processing fee. 
P)     Issuer shall have sole discretion in how payments applied to cardholder’s account. Issuer may 

accept checks markers “Payment in Full” or with words of similar effect without losing any of Issuer’s 
rights to collect the full balance of Cardholder’s account. 

Q)    Issuer can reinvestigate and reevaluate any information Cardholder provided on Cardholder’s 

credit application at any time, and in the course of doing so, Issuer may ask Cardholder for additional 
information, request credit bureau reports and/or otherwise verify Cardholder’s current credit standing. 
R)     Cardholder agrees that Issuer may re-release information to others, such as credit bureaus, 
regarding the status and history of Cardholder’s account, However, Issuer is not obligated to release any 
such information to anyone unless Issuer is required by law to do so. 

S)     Cardholder agrees that Cardholder’s account shall be subject to all applicable rules and 

regulations of VISA U.S.A. Inc. the rules and regulations of VISA U.S.A. Inc. shall control. Your VISA 
Card may not be used for any illegal transaction(s). 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Payment Crediting and Credit Balance.  Payments received by 5PM EST at the following address: 
VISA 
PO Box 31279 
Tampa, FL  33631-3279 
Will be credited as of the date of receipt to the account specified on the payment coupon.  Payments made in 
person during normal business hours at branch locations where payments are accepted will be treated as 
received on the same day.  Payments that do not conform to the requirements set forth on or with the 
periodic statement (e.g. missing payment stub, payment envelope other than as provided with your 
statement, multiple checks or multiple coupons in the same envelope) may be subject to delay in crediting, 
but shall be credited within five days of receipt.  If there is a credit balance due on your account, you may 
request, in writing, a full refund.  Submit your request to the following address: 
Premium Customer Service 
PO Box 31675 
Tampa, FL  33631 

By sending your check, you are authorizing the use of the information on your check to make a one-time 
electronic debit from the account on which the check is drawn.  The electronic debit, which may be posted 
to your account as early as the date your check is received, will be only for the amount of your check.  The 
original check will be destroyed and we will retain its image in our records.  If you have questions, please 
call Customer Service at (800) 615-1161. 

Closing Date:  The closing date is the last day of the billing cycle; all transactions received after the closing 
date will appear on your next statement. 

BILLING RIGHTS SUMMARY 

What To Do If You Think You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at: 
Premium Customer Service 
PO Box 31675 
Tampa, FL  33631 
In your letter, please give us the following information: 

•  Account Information:  Your name and account number. 
•  Dollar Amount:  The dollar amount of the suspected error 
•  Description  of  Problem:    If  you  think  there  is  an  error  on  your  bill,  describe  what  you  believe  is 

wrong and why you believe it is a mistake. 

•  You must contact us within 60 days after the error appeared on your statement.  You must notify us 
of any potential billing errors in writing (or electronically).  You may call, but if you do; we are not 
required to investigate any potential errors and you may have to pay the amount in question.  While 
we investigate whether or not there has been an error, the following are true: 
  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
  The charge in question may remain on your statement, and we may continue to charge you interest 
on that amount.  But, if we determine that we made a mistake, you will not have to pay the amount 
in question or any interest or other fees related to that amount. 

• 
• 

•  While you do not have to pay the amount in question, you are responsible for the remainder of your 

balance. 

•  We can apply any unpaid amount against your credit limit. 

 
 
 
 
 
 
 
 
 
 
Your Rights If You Are Dissatisfied With Your Credit Card Purchases 
If  you  are  dissatisfied  with  the  goods  or  services  that  you  have  purchased  with  your  credit  card,  and  you 
have  tried  in  good  faith  to  correct  the  problem  with  the  merchant,  you  may  have  the  right  not  to  pay  the 
remaining amount due on the purchase.  To use this right, all of the following must be true: 

1.  The purchase must have been made in your home state or within 100 miles of your current mailing 

address, and the purchase price must have been more than $50.00. 
(Note:  Neither of these are necessary if your purchase was based on an advertisement we mailed to 
you, or if we own the company that sold you the goods or services.) 

2.  You must have used your credit card for the purchase.  Purchases made with cash advances from an 

ATM or with a check that accesses your credit card account do not qualify. 

3.  You must not yet have fully paid for the purchase. 

If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing (or 
electronically) at: 

Premium Customer Service 
PO Box 31675 
Tampa, FL  33631 

While we investigate, the same rules apply to the disputed amount as discussed above.  After we finish our 
investigation, we will tell you our decision.  At that point, if we think you owe an amount and you do not 
pay, we may report you as delinquent.