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To learn more about factors to consider when applying for or using a credit card, visit the Federal Reserve Board for more information.

VISA Classic Credit Disclosure

Interest Rate and Interest Charges	Classic
Annual Percentage Rate (APR) for Purchases	4.99% introductory APR for the first six months. After that, your APR will be 15.9%
Annual Percentage Rate (APR) for Balance Transfers	4.99% introductory APR for the first six months. After that, your APR will be 15.9%
Annual Percentage Rate (APR) for Cash Advances	19.9%, after six month introductory APR of 4.99%
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and 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.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Federal Reserve Board	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.gov/creditcard
Transaction Fees	Classic
Cash Advance	$5.00 or 3% of the amount of each cash advance, whichever is greater
Balance Transfer	None
Expedited Payment	$10.00
Penalty Fees	Classic
Late Payment	Minimum payment due or $25, whichever is less, assessed on day of next statement billing
Returned Payment	Minimum payment due or $25, whichever is less

How We Will Calculate Your Balance: We use a method called Average Daily Balance (including new purchases). See your account terms and conditions for more details.

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

Revised: July 2011.

VISA Platinum Credit Disclosure

Interest Rate and Interest Charges	Platinum
Annual Percentage Rate (APR) for Purchases	4.99% introductory APR for the first six months. After that, your APR will be 9.15% This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Balance Transfers	4.99% introductory APR for the first six months. After that, your APR will be 9.15% This APR will vary with the market based on the Prime Rate.
Annual Percentage Rate (APR) for Cash Advances	19.9%, after six month introductory APR of 4.99%
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and 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.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $0.50.
For Credit Card Tips from the Federal Reserve Board	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.gov/creditcard
Transaction Fees	Platinum
Cash Advance	Either $5 or 3% of the amount of each cash advance, whichever is greater.
Balance Transfer	None
Expedited Payment	$10.00
Penalty Fees	Platinum
Late Payment	Minimum payment due or $25, whichever is less, assessed on day of next statement billing
Returned Payment	Minimum payment due or $25, whichever is less

How We Will Calculate Your Balance: We use a method called Average Daily Balance (including new purchases). See your account terms and conditions for more details.

Variable Rate Information: The APR is determined using the Prime Rate published in the Wall Street Journal as of the first day of each calendar quarter plus a margin of 5.90% and becomes effective with the finance charge calculation on the following calendar month’s statement. APRs are current as of 1/1/12 using a Prime Rate of 3.25%.

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

Revised: January 2012.

Balance Calculation

We use a method called Average Daily Balance (including new purchases). Review your account terms and conditions for more details.

Billing Rights

Information on your rights to dispute transactions and how to exercise those rights is provided in your account terms and conditions.

Variable Rate Information

The APR is determined using the Prime Rate published in the Wall Street Journal as of the first day of each calendar quarter plus a margin of 5.90% and becomes effective with the finance charge calculation on the following calendar month's statement.

Have addtional questions? Contact us at 800-542-5004 or:

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