Visa Credit  Card  
Application  Disclosures2303 South Center  Road 
Burton, MI  48519  
Ph 810 -715-3542 � TF 800 -882-6457  
Fx 810-600-2590  
www.elgacu.com  
� 20 21 Farleigh Wada Witt. A ll Rights Reserved.   CC App  Disc � 07-09-21 
INTEREST RATES AND INTEREST CHARGES  
Annual Percentage  
Rate (APR) for  
Purchases, Balanc e 
Transfers and  
Cash Advances Visa Rewards  Visa Cashback  Visa Low Rate  
% introductory APR for six (6) months for qualifying members .
After that, or if you do not 
qualify, your APR will be
% -   % 
based on your  
creditworthiness 
Penalty APR 17.90%  20.90%  17.90%  
When the Penalty 
APR Applies This APR may be applied to your account if you mak e a late payment.  
How long with the Penalt y APR apply?   If you r APR is increased due to a late pay-
ment, the Penalty APR will apply until you make six consecutive minimum payments 
when they are due.  
Payin g Interest Your due date is at least 25 days after the close of each billing cycle. We will n ot charge 
any intere st on the portion of the purchases balance that you pay by the due date each 
month. We will  begin charging interest on  cash advances and balance transfers on the 
transaction date.  
For Credit Car d Tips 
from the Consumer  
Financial Protection 
Bureau To learn  more about factors to consider when applying f or or using a credit card, visit the 
website of the Consumer Financial Protection Bureau at: 
http://www.consumerfinance.gov/learnmore . 
SERVICE CHARGE S
Annual Service Charge None  
Transaction Service 
Charges
� Cash Advance
� Balance Tran sfer
� Foreign TransactionNone  
None  
Up to 2% of the US dollar amount of the foreig n transaction . 
This fee applies to any credit card transaction made at a location in a foreign country, or 
payable to a merchant located in a foreig n country even i f you initiate the transaction 
from within the United States.
Penalty Service Charges
� Late Payment
� Over-t he-Credit Limit
� Returned PaymentUp to $25 
None  
$25 
Other Service Charges :
Replacement Card $5 
Rush Replacement Card $10 
Rush Delivery of Card $30 
How We Will Calculate Your Balance :  We use a method called �average daily balance� (including new purchases).  
The above rates  and service charges  are effective as of __________________________% -   % 
based on your  
creditworthiness % -   % 
based on your  
creditworthiness After that, 
or if you do not 
qualify, your APR will beAfter 
that, or if you do not 
qualify, your APR will be