How We Calculate Your Balance: We use a method called �average daily balance (including new purchases)�.    See cardholder agreement for complete details.  Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.   
Annual Percentage Rate  
(APR) for Purchases 0.00 % APR* Introductory rate is valid for 6 months from the date that 
your new card account is opened.  Based on your credit worthiness, after this 
introductory period, your APR will be:  
9.90% - 15.65% APR* This APR will vary with the market based on 
the Wall Street Journal�s Highest Published Prime Rate.  
APRs for Balance Transfers  0.00 % A PR* Introductory rate is valid for 6 months from the date that 
your new card account is opened.  Based on your credit worthiness, after this 
introductory period, your APR will be:  
9.90% - 15.65% APR* This APR will vary with the market based on 
the Wall Street Journal�s Highest Published Prime Rate.  
APRs for Cash Advances  0.00 % A PR* Introductory rate is valid for 6 months from the date that 
your new card account is opened.  Based on your credit worthiness, after this 
introductory period, your APR will be:  
9.90% - 15.65% APR* This APR will vary with the market based on 
the Wall Street Journal�s Highest Published Prime Rate.  
Penalty APR and When it Applies  None  
Minimum Interest Charge  None  
How to Avoid Paying Interest on 
Purchases 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.  
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.  
 
Set-up and Maintenance Fees  
Annual Fee  None  
Transaction Fees  
�Balance Transfer�Cash Advance
�Foreign TransactionNone None None 
Penalty Fees  
�Late Payment�Over-the-Credit Limit
�Returned PaymentUp to $25 None Up to $25 Important Terms and Conditions
Visa� Signature Credit Card Effective 
March 17th, 2020
Interest Rates and Interest Charges  
Fees   *Your s tandard APR m ay vary a nd is based o n Prime R ate. Y our rate i s determined b y adding a m argin t o the P rime R ate. T he
Prime Rate Index used to determine your APR is the rate published i n The Wall Street Journal quarterly (January, April, July and  
October) and changes are effective as the first day of your next billing cycle. Current rate as of March 17th, 2020.
See c ardholder a greemen t for c omplete details.
TruStoneFinancial.org | 763.544.1517 | 800.862.1998