h.  A guardian, conservator, receiver, custodian or trustee is appointed for 

you; 

i. You are generally not paying your debts as they become due; or 
j. There has been a material adverse change in your financial standing. 
15. Consent To Recover Delinquent Payments From Accounts. 
a.  In consideration for and as a condition of the Credit Union issuing a 

Card(s) to you, you agree that if you fail to make your required payments 
the Credit Union can take any monies on deposit at the Credit Union in 
which you have an interest to recover all or part of your delinquent debt 
without advance notice to you and without waiving other rights we have 
to collect what you owe. This consent is not a pledge of any shares and 
will not affect your right to withdraw shares prior to our exercise of our 
rights following your payment default. This consent applies to all funds 
you voluntarily deposit to Credit Union accounts, including funds such 
as Social Security direct deposit that are normally exempt from creditors’ 
remedies (this does not include your Individual Retirement, KEOGH or 
SEPP account). You understand that we will never require you to deposit 
exempt funds to Credit Union accounts. 

b.  For Cards secured by Shares, an amount equal to 100% of your credit limit 
is held in your Regular Share Account as collateral for your credit. If you 
give the Credit Union a specific pledge of shares by signing a separate 
pledge of shares, your pledged shares will secure your Account. You may 
not withdraw amounts that have been specifically pledged to secure your 
Account until the Credit Union agrees to release all or part of the pledged 
amount. If you default in your payments under this Agreement, we have 
the right to apply the amount specifically pledged to pay off this account 
in full or in part.  

c.  The security interests in this section apply even if your Card(s) is other-

wise designated “secured” or “unsecured.” 

16. Attorneys’ Fees. You agree to pay all costs incurred by us in collecting 
your indebtedness or in enforcing this agreement including attorney’s fees 
and costs, as well as those costs, expenses and attorney’s fees incurred in 
appellate, bankruptcy and post-judgment proceedings, except to the extent 
such costs, fees or expenses are prohibited by law. 
17. Returns and Adjustments. Merchants and others who honor the Card 
may give credit for returns or adjustments, and they will do so by sending 
us a credit slip, which we will post to your account. If your credits and pay-
ments exceed what you owe us, we will hold and apply this credit balance 
against future purchases and cash advances, or if it is $1.00 or more, refund 
it on your written request or automatically after 3 months. 
18. Plan Merchant Disputes. We are not liable for the refusal of any plan 
merchant or financial institution to honor your Card. 
19. Additional Benefits/Card Enhancements. The Credit Union may  
from time to time offer additional services to your Account, such as travel 
accident insurance, discontinue any credit service, or replace your Card with 
another Card at no additional cost to you. You understand that the Credit 
Union is not obligated to offer such services and may withdraw or change 
them at any time. 
20. Use of Card for Illegal or Risky Transactions. You agree that you will 
not use or allow others to use your Card(s) for illegal transactions such as 
illegal online gambling. The Credit Union may refuse to honor any transac-
tion we reasonably believe to be illegal. However, ultimate responsibility for 
determining the legality of transactions for which your Card is used rests 
with you, not with the Credit Union. You agree to hold us harmless for any 
damages or other liability arising from a transaction initiated by you or your 
authorized user for the purpose of conducting an illegal activity, includ-
ing but not limited to, internet gambling or interstate sports betting. We 
reserve the right to decline authorization of transactions for activities we 
believe may violate law or pose significant risk to our members or us. You 
cannot use the actual or alleged illegality of a transaction for which autho-
rized use of your account was made as a defense to your obligation to pay. 
21. Liability for Unauthorized Use. If you believe that your Card may 
have been lost or stolen or that your account number may have been used 
without your authorization you must notify us immediately at: 
1-800-336-3384 x6006 during regular business hours (7:30am-7:00pm) or 

after hours/weekends at 1-866-839-3485 or 727-570-4881 (overseas only) 
or via our website (www.nwfcu.org), or by writing to: Northwest Federal 
Credit Union, Attention: Card Services Department, P.O. Box 1229, Herndon, 
Virginia 20172-1229.  You will not be held liable for the unauthorized use of 
your account. 
22. Lost Or Stolen Cards. You agree to notify us immediately if your Card 
is ever lost or stolen or if unauthorized use may occur. You agree to assist 
us in determining the facts, circumstances, and other pertinent information 
relating to any loss, theft, or possible unauthorized use of your Card(s) and 
to comply with such procedures as we may require in connection with our 
investigation. We will send you a new Card with a new account number to 
replace the Card that was lost or stolen. Although you will be issued a new 
account number, you will not be considered to have opened a new account, 
and any existing balance will be transferred to the replacement account. 
23. Foreign Transactions. Purchases and cash advances made with Visa 
and MasterCard outside of the United States and its territories may incur 
an international transaction fee. This fee, which is up to one percentage 
point (1%) of the transaction amount, is assessed by Visa and MasterCard. 
The Credit Union, as Card issuer, does not assess an additional international 
transaction fee. 
Visa. If you engage in a transaction in a currency other than U.S. dollars 
using a Visa Card, Visa International will convert the charge into a U.S. 
dollar amount. The exchange rate between the transaction currency and the 
billing currency used for processing international transactions is either (a) a 
rate selected by Visa from the range of rates available in wholesale currency 
markets for the applicable central processing date, which rate may vary 
from the rate Visa itself receives, or (b) the government mandated rate in 
effect for the applicable central processing date. The currency conversion 
rate for the processing date may differ from the rate in effect on the date 
of the transaction or the date the transaction is posted to your billing 
statement. 
MasterCard.  If you effect a transaction with your MasterCard Card in a 
currency other than U.S. dollars, MasterCard International Incorporated 
(“MasterCard”) will convert the charge into U.S. dollars using its currency 
conversion procedure. Currently, the currency conversion rate used by 
MasterCard for such transactions is generally either a government mandated 
rate or a wholesale rate determined by MasterCard for the processing cycle 
in which the transaction is processed. The currency conversion rate used 
by MasterCard for processing date may differ from the rate in effect on the 
date of the transaction or the date the transaction is posted to your billing 
statement. 
24. Effect of Agreement and Amendments. This Agreement governs all 
transactions on your account even though the sales, cash advance, credit, or 
other slips you sign or receive may contain different terms. We may amend 
or change this Agreement, including rates, at any time. If we do so, we will 
notify you in writing in accordance with the applicable law. However, we 
may reduce charges, fees and rates without sending you an advance notice. 
Except as limited by applicable law, any amendment will apply to all then 
outstanding unpaid indebtedness arising from the use of your Card prior to 
the effective date of the amendment. Any such amendment will not require 
your written consent, but your consent (if required by applicable law) 
may be evidenced by your use of the Card after we give you notice of the 
amendment. 
25. What To Do If You Think You Find A Mistake On Your Statement. If 
you think there is an error on your statement, write to us at:
Northwest Federal Credit Union
ATTN: Card Services Department
P.O. Box 1229
Herndon, VA 20172-1229
In your letter, give us the following information:
• Account information: Your name and account number.
• Dollar amount: The dollar amount of the suspected error.
•  Description of Problem: If you think there is an error on your bill, describe 

what you believe is wrong and why you believe it is a mistake.

You must contact us within 60 days after the error appeared on your statement.

Credit Card Agreement
and
Disclosure Statement

You must notify us of any potential errors in writing.  You may call us, but 
if you do we are not required to investigate any potential errors and you 
may have to pay the amount in question.
While we investigate whether or not there has been an error, the following 
are true:
•    We cannot try to collect the amount in question, or report you as delin-

quent on that amount.

•  The charge in question may remain on your statement, and we may con-

tinue to charge you interest on that amount. But, if we determine that we 
made a mistake, you will not have to pay the amount in question or any 
interest or other fees related to that amount.

•  While you do not have to pay the amount in question, you are responsible 

for the remainder of your balance.

• We can apply any unpaid amount against your credit limit.
26. Your Rights If You Are Dissatisfied With Your Credit Card Purchases.  
If you are dissatisfied with the goods or services that you have purchased 
with your Card, and you have tried in good faith to correct the problem with 
the merchant, you may have the right not to pay the remaining amount due 
on the purchase.
To use this right, all of the following must be true:
1.  The purchase must have been made in your home state or within 100 

miles of your current mailing address, and the purchase price must have 
been more than $50. (Note: Neither of these are necessary if your pur-
chase was based on an advertisement we mailed to you, or if we own the 
company that sold you the goods or services.)

2.  You must have used your Card for the purchase. Purchases made with 
cash advances from an ATM or with a check that accesses your Card  
account do not qualify.

3.  You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at:
Northwest Federal Credit Union
ATTN: Card Services Department
P.O. Box 1229
Herndon, VA 20172-1229
While we investigate, the same rules apply to the disputed amount as dis-
cussed above. After we finish our investigation, we will tell you our  
decision. At that point, if we think you owe an amount and you do not pay 
we may report you as delinquent.
27. Change Of Name, Address, Or Telephone Number(s). You are respon-
sible for promptly notifying us of a change in your name, address (including 
the e-mail address(es) you use for online banking with us and any other 
e-mail address(es) at which you agree to be contacted), or telephone 
number(s)(including any wireless telephone number(s)). 
28. Inactivity. Cards unused and or idle for twelve (12) months or more 
with a zero (0) balance will automatically be closed. Should that occur an 
application and credit approval would be required to establish a new Card 
account. 

All information about the VISA and MasterCard Cards described in this 
disclosure is current as of 7/2010. Subject to change without notice.

GAM (8/2010) 3M

Your Lifetime Financial Partner

In this Agreement the words “you” and “your” mean each and all of those 
signing, using or having a credit Card account with Northwest Federal Credit 
Union, referred to as “we” and “us” or “Credit Union”. The “Card” means 
any credit Card issued to you or those designated by you under the terms 
of this Agreement. “Use of the Card” means any procedures used by you, or 
someone authorized by you, to make a purchase or obtain a cash advance 
whether or not the purchase or advance is evidenced by a signed written 
document. Virginia law will be used to interpret this Agreement unless 
federal law applies. The provisions of this Agreement are severable. If any 
provision of this Agreement is held by a court of law to be invalid or 
unenforceable the rest of this Agreement will not be affected.  
1. Acceptance of Cardholder Agreement. By either using the account or 
signing, using or accepting the plastic cards(s) issued to you by us (your 
“Card(s)”), you accept the terms and conditions of this Agreement.  All 
Cards issued to you remain our property and must be returned to us upon 
request. Once you have received your Card, call the phone number shown 
on the front of the Card to activate your Card. By activating your Card, you 
acknowledge you have received a copy of this disclosure. We may delay or 
deny access to your account until you have called to confirm that you have 
received and activated your Card. 
2. Credit Line. Your Card account will be an open end account. This means 
that you may borrow the full amount of the line of credit, repay the princi-
pal, accrued interest and fees in full or in part, and borrow again up to your 
maximum line of credit, as long as you continue to be creditworthy and a 
member of the Credit Union in good standing. To remain in good standing, 
you must meet your entire loan and account obligations to the Credit Union 
and comply with applicable laws and the Credit Union’s bylaws. You agree to 
not use your Card when the use will exceed your total credit limit. You also 
agree that we are not obligated to extend credit to you for an amount that 
would make your outstanding balance exceed your total credit limit or for 
any amount if your outstanding balance is already over the total credit lim-
it. We can change your credit limit at any time. If we allow you to use your 
account for more than your limit, you still agree to pay the full amount you 
owe us. We may decline to honor any transactions for any reason. You agree 
that you will not use your account for any transaction that is illegal under 
any applicable law. 
3. Promise To Pay. You agree to pay us the amount of purchases, cash 
advances, balance transfers, fees and finance charges that you, your co-
applicant and/or authorized users make (even if we didn’t issue a Card in 
that person’s name) and whether or not you notify us that he or she will 
be using it. Each person who uses the Card(s) or permits another to use the 
Card(s) agrees to be jointly and severally liable to the Credit Union for all 
obligations due to the Credit Union hereunder. If another person has use of 
your account and you want to end that person’s privilege, you must recover 
and return that person’s Card, if any. If you are unable to recover and return 
the Card, you will continue to be liable for any charges made unless you tell 
us to cancel all Cards and establish a new account for you. We will automati-
cally cancel all Cards if you notify us of unauthorized use. Your obligation 
to pay the account balance continues even though an agreement, divorce 
decree or other court judgment to which we are not a party may direct you 
or one of the other persons responsible under this Agreement to pay the 
account.  
4. Authorizations. Some transactions on your account will require prior 
approval. These prior approvals are called “authorizations”. We may limit 
the number of authorizations we will give the account during any certain 
period of time (day, weekend, week) and we may deny an authorization 
if we suspect that your account is being used without your permission. If 
our authorization system is not working fully, we may be unable to give an 
authorization. For security reasons, we cannot explain the details of how 
the authorization system works. You agree that we will not be liable for 
failing to give an authorization. Transactions at some participating mer-
chants (such as hotels, car rental companies, restaurants and gas stations) 
may result in authorizations for amounts greater than the actual purchase 
amount, which will have the effect of making less credit available on your 
account for several days (usually until the date the actual purchase amount 
is received from the merchant). We may, but are not required to, authorize 
transactions that will cause the balance on your account to exceed the 

credit limit, and you agree that you are liable for any such transactions as 
well as interest. If you make a transaction that would cause you to exceed 
your total credit limit we may (1) authorize the transaction without increas-
ing your total credit limit; (2) authorize the transaction without increasing 
your total credit limit and treat that amount as immediately due, or (3) 
deny authorization. If the authorization is denied we may notify the person 
who attempted the transaction that it has been refused. If we authorize a 
transaction that causes your account to exceed its credit limit, it does not 
mean that we will do so again in the future. In addition, we reserve the 
right to deny transactions or authorizations from merchants apparently en-
gaging in the Internet gambling business or identifying themselves through 
the Card transaction record or otherwise as engaged in such business.
5. Special Features. You may receive separate information about special 
features of your Visa or MasterCard account. Your use of such features will 
be governed both by the terms of this Agreement and by the terms con-
tained in such separate information. 
6. Monthly Payment. Your monthly statement will tell you the total 
amount that you owe us, the minimum payment that you must make and 
your payment due date. The minimum payment for credit card accounts 
will be the greater of (1) 3% of the new balance or (2) $35.00. If the new 
balance of your account is less than $35.00 the minimum payment will be 
the new balance.  
You may pay the new balance in whole or in part at any time. We will not 
charge you a penalty for paying more than the minimum payment. If you 
pay more than your monthly minimum payment, the remainder is applied 
toward your next month’s minimum payment. You can pay your account 
ahead however paying ahead and skipping a payment will not reduce 
your liability for interest charges in the month that you do not make 
a payment. We will determine at our option, the order in which payments 
will be applied toward Purchases, Cash Advances, Balance Transfer, unpaid 
Finance Charges and other Fees and Charges. We may accept checks marked 
“payment in full” or with words of similar effect without losing any of our 
rights to collect the full balance of your account with us. 
In addition, any past due amount is due and payable immediately. If your 
balance exceeds your credit limit, we also require that you pay the over 
limit amount. 
Any payment submitted to us in the form of a check or other paper docu-
ment may be converted to an electronic transaction through procedures 
established by the National Automated Clearing House Association. If this 
occurs, the original check or other document that you send to us will not be 
retained, but a copy would be available if requested. 
7. Finance Charges, Grace Period and Index Rate. A FINANCE CHARGE will 
be imposed on Credit Purchases only if you elect not to pay the entire New 
Balance of purchases shown on your monthly statement for the previous 
billing cycle within 25 days from the closing date of that statement. If you 
elect not to pay the entire New Balance of purchases shown on your previ-
ous monthly statement within that 25-day period, a FINANCE CHARGE will 
be imposed on the unpaid average daily balance of such Credit Purchases 
from the previous statement closing date and on new Credit Purchases from 
the date of posting to your account during the current billing cycle, and will 
continue to accrue until the closing date of the billing cycle preceding the 
date on which the entire New Balance of purchases is paid in full or until 
the date of payment if more than 25 days from the closing date. A FINANCE 
CHARGE will be imposed on each Cash Advance from the transaction date 
and continue daily until the date each Cash Advance is paid in full. 
The FINANCE CHARGE for a billing cycle is computed by applying the month-
ly Periodic Rate to the average daily balance of Credit Purchases and Cash 
Advances, which is determined by dividing the sum of the daily balances 
during the billing cycle by the number of days in the cycle. Each daily bal-
ance of Credit Purchases and Cash Advances is determined by adding to the 
outstanding unpaid balance of Credit Purchases and Cash Advances at the 
beginning of the billing cycle any new Credit Purchases and Cash Advances 
posted to your account, and subtracting any payments as received and cred-
its as posted to your account, but excluding any unpaid FINANCE CHARGES. 
VISA Platinum Periodic Rate for accounts opened on or after 1/6/2010: 
To determine the Periodic Rate, we take the “Index Rate,” as defined below, 

add a Margin and divide that number by 12 to arrive at the periodic rate. 
For example, if the index rate were 10.0% and the margin were 3.75%, the 
Periodic Rate for that billing cycle would be 1.1458% (10.0% plus 3.75% 
divided by 12). A periodic rate of 1.1458% corresponds to an ANNUAL 
PERCENTAGE RATE of 13.75%. The margin is based on an evaluation of your 
credit history and may be reviewed and adjusted annually. The Annual Per-
centage Rate will not be higher than 18.00%, regardless of the index rate.
VISA Platinum Periodic Rate for accounts opened before 1/6/2010: To 
determine the Periodic Rate, we take the “Index Rate,” as defined below, add 
3.75 percentage points and divide that number by 12 to arrive at the period-
ic rate. For example, if the index rate were 10.0%, the Periodic Rate for that 
billing cycle would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic 
rate of 1.1458% corresponds to an ANNUAL PERCENTAGE RATE OF 13.75%. 
The margin may be reviewed and adjusted annually.  The Annual Percentage 
Rate will not be higher than 18.00%, regardless of the index rate.
MasterCard Gold Card Periodic Rate for accounts opened on or after 
1/6/2010: To determine the Periodic Rate, we take the “Index Rate” as 
defined below, add a Margin and divide that number by 12 to arrive at the 
periodic rate. For example, if the index rate were 10.0% and the margin were 
4.75%, the Periodic Rate for that billing cycle would be 1.2292% (10.0% plus 
4.75% divided by 12). A periodic rate of 1.2292% corresponds to an ANNUAL 
PERCENTAGE RATE of 14.75%. The margin is based on an evaluation of your 
credit history and may be reviewed and adjusted annually. The Annual Per-
centage Rate will not be higher than 18.00%, regardless of the index rate.
MasterCard Gold Card Periodic Rate for accounts opened before 
1/6/2010: To determine the Periodic Rate, we take the “Index Rate” as 
defined below, add 7.75 percentage points and divide that number by 12 to 
arrive at the periodic rate. For example, if the index rate were 10.0%, the 
Periodic Rate for that billing cycle would be 1.4792% (10.0% plus 7.75% 
divided by 12). A periodic rate of 1.4792% corresponds to an ANNUAL 
PERCENTAGE RATE of 17.75%. The margin may be reviewed and adjusted 
annually.  The Annual Percentage Rate will not be higher than 18.00%, 
regardless of the index rate.
MasterCard Gold Card with Annual Fee Periodic Rate (No longer offered 
to new Cardholders as of 1/6/2010): To determine the Periodic Rate, we 
take the “Index Rate” as defined below, add 5.75 percentage points and 
divide that number by 12 to arrive at the periodic rate. For example, if 
the index rate were 10.0%, the Periodic Rate for that billing cycle would 
be 1.3125% (10.0% plus 5.75% divided by 12). A periodic rate of 1.3125% 
corresponds to an ANNUAL PERCENTAGE RATE of 15.75%.  The margin may 
be reviewed and adjusted annually.  The Annual Percentage Rate will not be 
higher than 18.00%, regardless of the index rate. 
The Index Rate used for calculating your Periodic Rate for a billing cycle is 
the Prime Rate published in the Wall Street Journal on the last business day 
of the prior month (the “Periodic Rate Adjustment Date”).  There are  
12 Periodic Rate Adjustment Dates per year. 
Because the Index Rate may go up or down, the Periodic rate applied to 
your Average Daily Purchases Balance or Average Daily Cash Advance Bal-
ance, as the case may be, may also increase or decrease, thereby increasing 
or decreasing the number of payments you will be required to make in order 
to repay your Total New Balance. 
The Periodic Rate that is applied to your Average Daily Purchases Balance 
and Average Daily Cash Advance Balance appears on your monthly state-
ment. The Periodic Rate, in effect at the time of your Card approval, was 
provided to you in a separate Credit Union acceptance letter. 
8. Change In Terms Of Your Account. We can change or add to any terms 
of your account at any time. We do not guarantee that the fees and the An-
nual Percentage Rates (APRs) on this account are for any particular length 
of time. Future changes will be made in accordance with this Agreement 
and applicable law. We will provide you with such notice as is required by 
applicable law. Such changes may apply to the existing balance on your 
account as well as to future balances in accordance with this Agreement and 
applicable law. If required by applicable law, we will permit you to reject 
certain types of changes, by providing us with written notice and closing 
your account and you would then be permitted to repay any balance on the 
account under the terms in effect prior to the change. 

9. Share Savings Account Required. All applicants and co-applicants on 
a credit card account must have an open share savings account that carries 
a par share balance. You must continue to be a member of the Credit Union 
and comply with the basic share account requirements to maintain eligibil-
ity for this Account. You may close your Account at any time by notifying 
us in writing and returning all Cards cut in half. 
10. Overdraft Protection Advances. Overdraft protection advances will 
begin only if you designate your Card as an overdraft protection source in 
writing. If your checking account does not have sufficient available funds 
to cover any item presented and drawn on the account, any overdraft up to 
your unused credit limit will be added to your credit Card account balance 
under this Agreement, if the Credit Union pays the item. The Credit Union 
has the right to refuse overdraft advances but will notify you of the refusal. 
If there is more than one person listed on the checking account (such as a 
joint checking account) that you have linked for Overdraft Protection, then: 
(1) you will be responsible for all Overdraft Protection advances regardless 
of which person causes any item to be presented or engages in any other 
transaction that causes the overdraft (checks, ACH, debit Card, etc); and (2) 
you expressly consent to us disclosing to any other person on that checking 
account that the checking account is linked to the Card for Overdraft Pro-
tection. We reserve the right to cancel or suspend your Overdraft Protection 
service at any time at our sole discretion, for any reason. 
11. Credit Card Fees. We may charge your Card or your Account for Card related 
fees. The application and payment of the fee will not correct the situation that 
caused the fee to be charged. Please refer to our current Schedule of Fees. 
Other Fees: (1) If you ask the Credit Union for statement research and 
reconstruction services for any reason, you will be charged the same hourly 
rate then being charged by the Credit Union for all of its checking accounts 
for that service; (2) Additional fees may be charged if agreed between you 
and us; and, (3) To the extent not prohibited by law, if you are in default, 
you agree to pay our collections costs, attorney’s fees and court costs 
incurred in enforcing our rights under this Agreement. 
We may waive any of the fees in this Agreement at our discretion; however, 
we reserve the right to begin charging any fee that was previously waived 
without providing prior notice to you. 
12. Reevaluation of Credit. We can reinvestigate and reevaluate any 
information you provided on your credit application at any time, and in 
the course of doing so, we may ask you for additional information, request 
credit bureau reports and/or otherwise verify your current credit standing. 
13. Account Closing. We may cancel, revoke, reduce the amount of your 
credit line or suspend your rights under this Agreement and require the 
return of the Card(s) for any reason, including your default, without notice 
to you except in those situations where notice is required by law. You may 
also close the account at any time by notifying us in writing and returning 
all Cards. If the account is closed or we terminate or suspend your credit 
privileges for any reason, you must still repay any unpaid balance you owe 
to us including charges and or transactions not yet received by us, as well as 
subsequent Finance Charges and other charges according to the terms of this 
Agreement. Each Card is our property and you agree that the Cards are not 
transferable and to surrender any Card upon demand. If this is a joint ac-
count, either person who is liable on the account may give notice to cancel 
the account, and we may close it without notifying the other liable person. 
14. Default. You will be in default, and we may, without notifying you, 
temporarily suspend your credit, close your account, cancel all Cards issued 
on it and require immediate payment of your entire balance if any of the 
following occurs: 
a. You fail to make a payment when it is due; 
b. You do not follow the terms of this Agreement in any way;
c.  You have made any false or misleading statement on the application for 

your account; 

d. You fail to pay any other loans you owe us; 
e. You become insolvent or die; 
f.  There is an attachment, execution or levy against your property or you 

make an assignment for the benefit of creditors; 

g. A bankruptcy petition is filed by or against you or your spouse; 

Interest Rates and Interest Charges 

FirstCard Visa® 
Platinum  

Visa® Platinum 

Member Rewards 
MasterCard® 

Annual Percentage Rate  
(APR) for Purchases 

9.99% 

APR for Balance Transfers 

9.99% 

APR for Cash Advances 

9.99% 

7.00% to 
18.00% when you 
open your account, 
based on your 
creditworthiness. 
After this, your APR 
will vary with the 
market based on the 
Prime Rate. 
7.00% to 18.00% 
when you open your 
account, based on 
your creditworthiness. 
After this, your APR 
will vary with the 
market based on the 
Prime Rate. 
7.00% to 18.00% 
when you open your 
account, based on 
your creditworthiness. 
After this, your APR 
will vary with the 
market based on the 
Prime Rate. 
None 
None 

8.00% to 
18.00% when you 
open your account, 
based on your 
creditworthiness. 
After this, your APR 
will vary with the 
market based on the 
Prime Rate. 
8.00% to 18.00% 
when you open your 
account, based on 
your creditworthiness. 
After this, your APR 
will vary with the 
market based on the 
Prime Rate. 
8.00% to 18.00% 
when you open your 
account, based on 
your creditworthiness. 
After this, your APR 
will vary with the 
market based on the 
Prime Rate. 
None 
None 

How to Avoid Paying Interest on 
Purchases 

Penalty APR and When it Applies  None 
None 
Minimum Interest Charge 
Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you any interest on purchases if you pay your 
entire balance by the due date each month 
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 

For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 
Fees 

Annual Fee 
Transactions Fees 

    Balance Transfer 
    Cash Advance 
    Foreign Transaction 

Penalty Fees 

    Late Payment 
    Returned Payment  
    Over-the-Credit Limit 

None 

None 

None 

None 
None 
Up to 1% of 
transaction 
amount 

Up to $35 
Up to $35 
None 

None 
None 
Up to 1% of 
transaction amount 

None 
None 
Up to 1% of 
transaction amount 

Up to $35 
Up to $35 
None 

Up to $35 
Up to $35 
None 

How We Will Calculate Your Balance: We use a method called “average daily balance” (including new 
purchases).  

The information on this disclosure is current as of April 2012, and is subject to change.  To determine if any changes 
have occurred since this date call 866-709-8901.