SUMMARY OF TERMS 

Annual 
Percentage Rate 
(APR) for 
Purchases 
APR For Balance 
Transfers 

APR for Cash 
Advances 
Penalty APR and 
When it Applies 

Paying Interest 

Minimum Interest 
Charge 
For Credit Card 
Tips from the 
Federal Reserve 
Board 

Visa® Platinum Card 
3.90% Introductory APR for the first six billing cycles. 
After that, your APR will be Prime plus a Margin of  2.90%, 5.90% or 7.90% This 
APR will vary with the market based on The Wall Street Journal Prime Rate. 
3.90% fixed introductory APR for six months. 

After that, your APR will be Prime plus a margin of 2.90%, 5.90% or 7.90% This APR will vary 
with the market based on The Wall Street Journal Prime Rate. 

19.90% APR 
21.00%  
This APR may be applied to your account if you make a late payment 

How Long Will the Penalty APR Apply?  If your APRs are increased due to late payment, the 
Penalty APR will apply until you make six consecutive minimum payments when due.   
Your due date is at least 25 days after the close of each Billing Cycle.  We will not charge 
you interest on Purchases if you pay and we receive your entire balance by the due date 
each month.  We will begin charging interest on Cash Advances and Balance Transfers 
on the transaction date 
If you are charged interest, the charge will be no less than $0.50 

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.gove/creditcard. 

Fees 
Annual Fee 
Transaction Fees 
•  Foreign Transaction 
Penalty Fees 
•  Late Payment 

None 

3% of each Purchase or Cash Advance transaction amount 

Up to $35 

•  Over-the-Credit Limit  Up to $35 
•  Returned Payment 
Up to $35 

The Margin we use and add to the Prime Rate to determine the APR for Purchases and Balance Transfers is 2.9% 

How We Will Calculate Your Balance:  We use a method called "average daily balance (including new 
purchases)".  See your account agreement for more details. 

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

Monthly Cash Rebate 

You will receive a Cash Rebate equal to .50% of your net Purchases (Purchases less Returns) each Billing Cycle. 
Your Cash Rebate will be based on the total net Purchases posted to your Account during your actual Billing 
Cycle dates.  Your cash rebate will be credited to your Account by the fifth business day of the following Billing 
Cycle.  Should the amount of Returns exceed the Purchases during any Billing Cycle resulting in a credit 
balance, your Account will be debited accordingly.