Credit Card Rate Sheet 
& Initial Disclosure 2/22/2012 

Platinum Rewards Visa Card 
INTEREST RATES AND INTEREST CHARGES 
Credit Score 740 + 739 to 700 699 to 660 659 to 610 609 to 560 559 or below 
Annual Percentage Rates 
(APRs) for Purchases 
7.99% 10.49% 10.99% 11.99% 13.49% 15.49% 
When you open your account, the applicable APR is based on creditworthiness. After 
that, your APR will be calculated by adding a margin to the Prime 
Rate.* 
Annual Percentage Rates 
(APRs) for Cash Advances & 
Balance Transfers (processed 
as a Cash Advance) 
7.99% 10.49% 10.99% 11.99% 13.49% 15.49% 
When you open your account, the applicable APR is based on creditworthiness. After 
that, your APR will be calculated by adding a margin to the Prime 
Rate.* 
Penalty APR None 
How to Avoid Paying Interest 
on Purchases 
Your due date is approximately 25 days after the close of each billing cycle. We 
will not charge any interest on the portion of the purchases balance that 
you pay by the due date each month. 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 
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. 
FEES 
Annual Fee None 
Transaction Fees 
Cash Advance None 
Foreign Transaction Up to 2% of the US dollar amount of the foreign transaction 
Penalty Fees Late Payment $20 
How We Will Calculate Your Balance: We use a method called "average daily balance" 
(including new purchases). See your account agreement for more details. 
Classic, Secured & Choose Local Visa Card 
INTEREST RATES AND INTEREST CHARGES 
Credit Score 740 + 739 to 700 699 to 660 659 to 610 609 to 560 559 or below 
Annual Percentage Rates 
(APRs) for Purchases 
9.99% 12.49% 12.99% 13.99% 15.49% 17.49% 
When you open your account, the applicable APR is based on creditworthiness. After 
that, your APR will be calculated by adding a margin to the Prime 
Rate.* 
Annual Percentage Rates 
(APRs) for Cash Advances & 
Balance Transfers (processed 
as a Cash Advance) 
9.99% 12.49% 12.99% 13.99% 15.49% 17.49% 
When you open your account, the applicable APR is based on creditworthiness. After 
that, your APR will be calculated by adding a margin to the Prime 
Rate.* 
Penalty APR None 
How to Avoid Paying Interest 
on Purchases 
Your due date is approximately 25 days after the close of each billing cycle. We 
will not charge any interest on the portion of the purchases balance that 
you pay by the due date each month. 

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For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 
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. 
FEES 
Annual Fee None 
Transaction Fees 
Cash Advance None 
Foreign Transaction Up to 2% of the US dollar amount of the foreign transaction 
Penalty Fees Late Payment $20 
How We Will Calculate Your Balance: We use a method called "average daily balance" 
(including new purchases). See your account agreement for more details. 

Additional Information 

Variable Rate Information:* The index used to determine the U.S. Prime Rate is 
published in The Wall Street Journal (Western Edition) on the third (3rd) Tuesday of
March, June, 
September, and December of each calendar year. If the third (3rd) Tuesday is a 
holiday, we will use the Prime Rate published the next day. If more than one Prime 
Rate is published we 
may choose the highest rate. If The Wall Street Journal (Western Edition) ceases 
publication or ceases to publish the Prime Rate, we reserve the right to use the 
Prime Rate published in 
any other newspaper of general circulation, or we may substitute a similar reference
at our sole discretion. We may change the above rates, fees, and other cost 
information at any time in 
accordance with applicable law, along with the applicable Credit Account Agreement 
and Disclosure, that will be sent to you.

Margins for APR's: 
Platinum Rewards Visa Card - 4.74%, 7.24%, 7.74%, 8.74%, 10.74% and 12.24% 
respectively. 
Classic & Secured Visa Cards - 6.74%, 9.24%, 9.74%, 10.74%, 12.24% and 14.24% 
respectively. 
Choose Local Visa Card - 6.74%, 9.24%, 9.74%, 10.74%, 12.24% and 14.24% 
respectively. 

 We reserve the right to amend the Visa Credit Card Agreement as permitted by law. 
The above rates and fees are current as of 2/22/2012

 In order to receive the Choose Local discount you must present your Choose Local 
membership card at the time of purchase with the participating merchants. 

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