IMPORTANT CREDIT CARD DISCLOSURES The following disclosure represents important details concerning your credit card. The information about costs of the card is accurate as of _01/01/2018 _____ . You can contact us toll free at the number or address on Page 1 to inquire if any changes occurred since the effective date. INTEREST RA TES and INTEREST CHARGES: Annual Percentage Rate (APR) for Purchases & Balance Transfers 
APR for Cash Advances Penalty APR and When it Applies Paying Interest Minimum Interest Charge For Credit Card Tips from the Consumer Financial Protection Bureau FEES: Fees to Open or Maintain your Account � Annual Fee: Transaction Fees � Balance Transfer: � Cash Advance: � Foreign Transaction: Penalty Fees � Late Payment: � Returned Payment: Platinum VISA Classic VISA Secured VISA 
0.00%* Introductory APR for one 16.24% or 14.24�/o 
year, based on your creditworthiness. This APR will vary 18.24% with the market based After that, your Standard APR depending on your on the Prime Rate. will be credit history. This 
10.24%, 11.24%, or APR will vary with the market based on the 
13.24% depending on your Prime Rate. credit history. This APR will vary with the market based on the Prime Rate. 19.99% 21.99% This APR may be applied to your account if you make a payment that is late 60 days or more. How Long Will the Penalty APR Apply? If we increase your APRs due to a late payment, we may keep them at this higher level on existing and new balances until you make six consecutive on-time payments. Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases and balance transfers if you pay your entire new purchase and balance transfer balance by the due date each month. We will begin charging interest on cash advances on the date the cash advance is posted to your account. None 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 None Either $10.00 or 3% of the amount of each transfer, whichever is greater. Either $10.00 or 3% of the amount of each cash advance, whichever is greater. 1% of each transaction in U.S. dollars if the transaction involves a currency conversion 0.8% of each transaction in U.S. dollars if the transaction does not involve a currency conversion Up to $10.00 if your payment is late 10 days or more Up to $25.00 if your payment is returned for any reason How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." Loss of Introductory Rate: We may end your Introductory Rate and apply the Penalty APR disclosed above if you make a late payment. *Not Every Applicant Will Qualify for the Introductory APR: If an applicant does not qualify for the Introductory APR, the Standard APR will apply.