Account Opening Disclosure 
For Your            Card 

Interest Rates and Interest Charges 

Variable Rates shown are accurate as of January 3, 2011. 

Classic Visa 
Standard MasterCard 

Visa Platinum 

MasterCard Gold 

Annual Percentage 
Rate (APR) for 
Purchases 

0.00%introductory 
APR for 6 months  

0.00%introductory 
APR for 6 months  

0.00%introductory 
APR for 6 months  

After that your APR will 
be 9.20%. This APR 
will vary with the 
market based on the 
Prime Rate.   
0.00introductory APR 
for 6 months  

After that your APR 
will be 10.20%. 
This APR will vary 
with the market based 
on the Prime Rate.   
0.00introductory APR 
for 6 months  

After that your APR 
will be 11.20%. 
This APR will vary 
with the market based 
on the Prime Rate.    
0.00introductory APR 
for 6 months  

After that your APR will 
be 9.20%.This APR will 
vary with the market 
based on the Prime 
Rate.    
15.20%.This APR will vary with the market based on the Prime Rate.    

After that your APR 
will be 10.20%.This 
APR will vary with the 
market based on the 
Prime Rate.   

After that your APR 
will be 11.20%.This 
APR will vary with the 
market based on the 
Prime Rate.   

Your due date is at least 25 days after the close of each billing cycle.  
We will not charge you interest on purchases and balance transfers if 
you pay your entire balance by the due date each month. We will begin 
charging interest on cash advances on the posting date. 

To learn more about factors to consider when applying for or using a 
credit card, visit the website of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

$15.00  Visa Classic and MasterCard Standard 
$20.00  Visa Platinum and MasterCard Gold 

APR for Balance 
Transfers 

APR for Cash 
Advances 

Paying Interest 

For Credit Card 
Tips from the 
Federal Reserve 
Board 

Fees 

Annual Fee 

Transaction Fees 

•  Balance Transfer 
•  Cash Advance 

$0.00 
$0.00 

Penalty Fees 

•  Late Payment 
•  Returned Payment 
•  Over the Limit 

Up to $15.00 
Up to $15.00 
$NONE 

 
 
 
 
 
 
 
 
 
 
 
 
 
How  We  Will  Calculate  Your  Balance:  We  use  a  method  called  “average  daily  balance 
(including new transactions)”. See your Cardholder Agreement for more details. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those 
rights is provided in your Cardholder Agreement. 

Additional Interest Rate Information:  

Purchases and Balance Transfers: 

During the first 6 months, the Monthly Periodic Rate (MPR) corresponding to the 
introductory  APR  above  is  0.00%  for  Visa  Classic  and  MasterCard  Std.,  0.00% 
for Visa Platinum, and 0.00% for MasterCard Gold.   

After  the  first  6  months,  the  MPR  (as  of  the  date  above)  corresponding  to  the 
APR  above  is  0.766%  for  Visa  Classic  and  MasterCard  Std.,  0.850%  for  Visa 
Platinum, and 0.933% for MasterCard Gold. 

Cash Advances:  

The MPR (as of date above) corresponding to the APR above is 1.266% 

Your APR may increase on a quarterly basis.  The APR for Purchases and Balance Transfers 
(after  the  first  6  months)  and  on  Cash  Advances  is  determined  by  adding  the  margin  shown 
below to the Prime Rate as reported in the Money Rates Section of the Midwest Edition of the 
Wall Street Journal on the second Tuesday of the month preceding each quarterly rate change 
in January, April, July and October of each year. 

The  margin  for  Purchases  and  Balance  Transfers  is  5.95%  for  Visa  Classic  and  MasterCard 
Std., 6.95% for Visa Platinum, and 7.95% for MasterCard Gold. 

The margin for Cash Advances is 11.95%. 

Minimum Payment Due: 

Your Minimum Payment Due each month will be the greater of:  (1) $10.00 (or the new Balance 
shown  on  the  Periodic  Statement  if  it  is  less  than  $10.00  or  (2)  3.00%  of  the  New  Balance 
shown on the Periodic Statement, plus any past due amount and any amount that exceeds your 
credit limit. 

Additional Charges:   

Bank’s ATM Fee:  $ 0.00 

Card Replacement Fee: $0.00 

Credit  Insurance  Fee:    Illinois  customers:  $0.20  per  $100  single  life  with  disability: $0.248  per 
$100 joint life with disability; Iowa customers: $0.175 per $100 single life with disability; $0.221 
per  $100  joint  life  with  disability  of  the  "Outstanding  Account  Balance"  as  shown  on  our 
statement 

QCBT & Agent Bk VC MCS VP MCG            Agent 7000