Visa Credit Card Rates

Credit
Disclosure

VISA Platinum Rewards
(with Cash Back or Points) A & C

VISA Platinum Rewards
(without rewards) B & C

Annual
Percentage
Rates

(“APR”) for Purchases, Balance Transfers, Convenience Checks and Cash Advances

8.25%, 9.25%, 13.5%, or 14.25% depending upon credit worthiness

8.25%, 11.5%, 12.25%, or 14.25% depending upon credit worthiness

Variable Rate Information

(Variable Rates subject to ceiling of 18.0% and floor of 8.25%)

Your APRs may vary. The APRs are determined at time of application, annual review, requested review or end of default cleansing period by adding the indexes described below to the applicable prime rate:

(A) With Cash Back or Points Rewards Option: 3.0%, 3.5%, 6.0%, 10.25%, or 11.0% depending upon your credit worthiness for the customary APR or credit card purchases, balance transfers, convenience checks, and cash advances.

(B) Without Cash Back or Points Rewards, but a reduced APR / Low Rate Option: 1.0%, 1.5%, 4.0%, 8.25%, 9.0%, or 11.0% depending upon your credit worthiness for the customary APR for credit card purchases, balance transfers, convenience checks, and cash advances.

(C) Default: 11.0%. Should the cardholder become two (2) times delinquent within a 6-month / cycle period they will be considered in default. Upon “default” classification the cardholder will remain within a cleansing period for a minimum of 6 months or cycle periods. Should the cardholder become delinquent again within the cleansing period the 6-month cleansing period will begin again. At the end of that cleansing period the pricing will be re-evaluated based on your credit worthiness as defined above.

Other APRs

As a new cardholder you will receive an introductory APR of 3.99% for the first six months or billing cycles, starting at the date of account opening. Any promotional rate is subject to default if a late fee is initiated. Should this happen within the first 6 months all applicable balances will convert to normally disclosed APRs as outlined above.

Minimum
Finance Charge

None

None

Balance
Calculation
Method

Average Daily Balance (Including New Purchases)

Average Daily Balance (Including New Purchases)

Grace Period for
Repayment of Purchases

Not less than 25 days

Not less than 25 days

Fees

Annual Fee..............................................................None

Cash Advance Fee..................................................None

Balance Transfer Fee..............................................None

Convenience Check Fee.........................................None

Late Fee.................................................................$30.00

Over Limit Fee.......................................................$15.00

Return Check Fee..................................................$10.00

International Currency Conversion Fee

1.0% for multiple international currency conversion.

0.80% for single international currency conversion.

The above APRs, fees, and operating methods are as of May 31, 2009
and are subject to change with proper notification based on the Cardholder Agreement & Disclosure.