P.O. BOX 1000 
LAKELAND, FLORIDA 33802 

CREDIT CARD  
SOLICITATION 

IF  YOU ARE  APPLYING  FOR  A  CREDIT  CARD,  THE  FOLLOWING  IS  YOUR REQUIRED  DISCLOSURE  INFORMATION  -  The  information  provided  in  this  disclosure  is  accurate  as  of 
________________. The information may have changed after that date. To find out what may have changed call us at 800-226-6673 or write us at P.O. Box 1000 Lakeland, FL 33802. Before 
we approve you for a credit card, we will review your credit report, and the information you provide with your application to confirm that you meet the criteria for this offer. The full terms and 
conditions will be outlined in the Credit Card Agreement and Disclosure which will be sent to you with the new card(s). 

Interest Rates and Interest Charges      

ANNUAL PERCENTAGE RATE 
for Purchases 

ANNUAL PERCENTAGE RATE 
for Balance Transfers 

ANNUAL PERCENTAGE RATE 
for Cash Advances 

Paying Interest  

For Credit Card Tips from 
the Consumer Financial Protection Bureau 

Fees 
Set-up and Maintenance Fees  

Annual Fee  
Lost Card Replacement   

Transaction Fees 

Foreign Transactions 

Penalty Fees 

Late Payment 
Return Payment 

VISA Credit Card – 9.9%, 10.5%, 10.9% non-variable. The rates vary depending on the 
type of card you qualify for based on your creditworthiness when you open your account. 
VISA Secured Credit Card – 10.9% 
VISA Credit Card – 9.9%, 10.5%, 10.9% non-variable. The rates vary depending on the 
type of card you qualify for based on your creditworthiness when you open your account. 
VISA Secured Credit Card – 10.9% 
VISA Credit Card – 9.9%, 10.5%, 10.9% non-variable. The rates vary depending on the 
type of card you qualify for based on your creditworthiness when you open your account. 
VISA Secured Credit Card – 10.9% 
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest 
on purchases or balance transfers if you pay your entire balance by the due date each month. We 
will begin charging interest on cash advances on the transaction date. 

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 
$10.00 

1% of transaction amount on foreign transactions 

up to $20.00 
$25.00 

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. 

Copyright 2011 ConmarSystems, Peachtree City, GA  30269 – EFORM 17261-4 

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