F03 -M409-
Credit
Card
Agreement
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explains
Platinum
MasterCard
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with
terms
applicable
you
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time
time.
The
time
to
Bank
any
subject
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law
Please
read
documents
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your
records
sixty
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all
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P.O
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7092
Bridgepor
06601
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fully
paid
make
the
purchase
request calling TOLL FREE 1-800
all of
the
criteria
are
met
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you
still
dissatisfied
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Credit
PO
Box
7092
Disputes
06601
accept
stop
only
7092
Bridgeport
06601
3211
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order
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17.
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Changing
Terms
We
ma
change
terms
Agreement
at
If required
notice
chang
before
the
effective
date
of the
change
19
Notices
You
notif
promptly
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chang
your
address
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send
your
known
address
If there
we
and
to any
one
these
persons
20
Lost
Stolen
Cards
Use
You
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after
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theft
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loss,
use call TOLL FREE 1-800 1-800 0164 notify us
within
period
time
after
such
loss
theft
$50
21
Applicable
Law
This
you
federa
laws.
and
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lations
applicable
banks).
United
States
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the
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law,
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conflic
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22
Delayed
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enforcing
any
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this
Agreement
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them
23
We
at any
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your
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24
Cancellation
Ever
not in
Default
we
may
any
time
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Total
Credit
Limit
imit
close
your
privileges
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obtain
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cancel
any
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benefits
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If you
your
written
request
person
Credit
7092 Bridgeport 0660 calling TOLI FREE 1-800 426
We
close
after
such
without
giving
notice
the
holders
You
agree
will
hold
responsible
any
costs
damages
our
any Joint Account holder closes your Account we close your
further
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obtain
Cash
and
either
you
afte
your
paying those charges we you
our
option
pay
the
INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for
0.00% introductory APR for the first 12 billing cycles from
Purchases
date of account opening. After that, your APR will be
12.99%, 14.99%, 17.99%, or 19.99%.
This APR will be based on your creditworthiness and will vary
with the market based on LIBOR.*
APR for Balance Transfers
0.00% introductory APR for the first 12 billing cycles from date
of account opening. After that, your APR will be 12.99%,
14.99%, 17.99%, or 19.99%. This APR will be based on your
creditworthiness and will vary with the market based on
LIBOR.*
APR for Cash Advances
21.99%. This APR will vary with the market based on LIBOR.*
Penalty APR and When It Applies
Up to 29.99%.
This APR may be applied to your account if you:
(1) Fail to make the minimum payment by the payment due
date;
(2) Exceed your Cash Advance Limit or your Total Credit Limit;
(3) Provide false information to us;
(4) Use the Account for an illegal transaction;
(5) Do not pay debts (including other accounts with us) when
due;
(6) Make a payment that is returned or dishonored, or;
(7) Fail to keep a promise under the agreement or we believe
you will not keep a promise, including making payments.
How Long Will the Penalty APR Apply? If your APRs are
increased due to any default (as described above), the Penalty
APR will apply indefinitely.
Paying Interest
Your due date is at least 21 days after the close of each billing
cycle. We will not charge you interest on purchases if you pay
your entire balance by the due date of each month. You will
pay interest on Cash Advances, Balance Transfers and
Convenience Checks from the transaction date.
Minimum Interest Charge
If you are charged interest, the charge will be no less than
$1.50.
For Credit Card Tips from
To learn more about factors to consider when applying for
the Consumer Financial
or using a credit card, visit the website of the Consumer
Protection Bureau
Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore.
FEES
Annual Fee
None
Transaction Fees
Balance Transfer
Either $10 or up to 4% of the amount of each transfer,
whichever is greater.
Cash Advance
Cash Loans, ATM Loans, and Convenience Checks; Either
$10 or up to 3% of the amount of each advance, whichever is
greater.
Cash Equivalent Transactions; Either $20 or 5% of the amount
of each advance, whichever is greater.
Foreign Transaction
Either $1.50 or 3% of the U.S. dollar amount of each
transaction, whichever is greater.
Penalty Fees
Late Payment
Up to $35
Returned Payment
None
Over-the-Credit Limit
None
How We Will Calculate Your Balance: We use a method called "average daily balances (including new purchases)." See Cardholder
Agreement for more details.
Loss of Introductory Rate: We may end your introductory APR and apply the Penalty APR if any event included in the description of above
Penalty Rate applies.
* Your APR for Purchases and Balance Transfers may vary monthly and will be reset on the first day of each billing cycle by adding the Index
to a margin of 12.74-19.74 percentage points. The APR for Cash Advances is determined monthly by adding the Index to a margin of 21.74
percentage points. The Index is determined monthly and it is the three month LIBOR (London Interbank Offered Rate) published in the
northeastern edition of The Wall Street Journal in its Money Rates table on the first day of the preceding month rounded up to the nearest
one-quarter of a percentage point. If the first day of the preceding month is not a business day, the Bank will use the three month LIBOR
published on the next business day.
The information about the costs of the card described in this application is accurate as of December 31, 2013. This information may have
changed after that date. To find out what may have changed, call us toll-free at 1-800-426-1114 or write us at Credit Card Services, P.O. Box
7092, Bridgeport, Connecticut 06601-7092.