VISA^® Credit Card Disclosures

Interest Rate and Interest Charges

VISA® Platinum

VISA® Platinum with Rewards

Annual Percentage Rate (APR) For Purchases

9.99% APR^*

10.99% APR^*

Annual Percentage Rate (APR) For Balance Transfers

9.99% APR^*

10.99% APR^*

Annual Percentage Rate (APR) For Cash Advances

9.99% APR^*

10.99% APR^*

Penalty APR and When it Applies

18.00%

This APR may be applied if:

1)   You make a late payment

How Long Will The Penalty APR Apply?  Your APRs are increased for this reason, the Penalty APR applied to transactions that occur after the increase may be applied indefinitely. For transactions that occurred prior to the effective date of the increase, the increase will apply indefinitely unless 6 consecutive payments are received on or before the due date during the six-month period following such increase.

18.00%

This APR may be applied if:

1)   You make a late payment

How Long Will The Penalty APR Apply? Your APRs are increased for this reason, the Penalty APR applied to transactions that occur after the increase may be applied indefinitely. For transactions that occurred prior to the effective date of the increase, the increase will apply indefinitely unless 6 consecutive payments are received on or before the due date during the six-month period following such increase.

How to Avoid Paying Interest on Purchases

We will not charge You on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date.

We will not charge You on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date.

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.

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.

Fees–

Transaction Fees

• Cash Advance
• Foreign Transactions

Either 3.00% of each cash advance or a minimum of $5.00 and a maximum of $50.00, whichever is greater. 1.00% of each foreign currency transaction in the U.S. dollars. .080% of each U.S. Dollar transaction that occurs in a foreign country.

Either 3.00% of each cash advance or a minimum of $5.00 and a maximum of $50.00, whichever is greater. 1.00% of each foreign currency transaction in the U.S. dollars. .080% of each U.S. Dollar transaction that occurs in a foreign country.

Penalty Fees

• Late Payment
• Returned Payment

Up to $25.00 after 14 days

Up to $25.00

Up to $25.00 after 14 days

Up to $25.00

Interest Rate and Interest Charges

VISA® Gold

VISA® Classic

Annual Percentage Rate (APR) For Purchases

13.25% APR^*

17.99% APR^*

Annual Percentage Rate (APR) For Balance Transfers

13.25% APR^*

17.99% APR^*

Annual Percentage Rate (APR) For Cash Advances

13.25% APR^*

17.99% APR^*

Penalty APR and When it Applies

18.00%

This APR may be applied if:

1)     You make a late payment

How Long Will The Penalty APR Apply?  Your APRs are increased for this reason, the Penalty APR applied to transactions that occur after the increase may be applied indefinitely. For transactions that occurred prior to the effective date of the increase, the increase will apply indefinitely unless 6 consecutive payments are received on or before the due date during the six-month period following such increase.

18.00%

This APR may be applied if:

1)     You make a late payment

How Long Will The Penalty APR Apply?  Your APRs are increased for this reason, the Penalty APR applied to transactions that occur after the increase may be applied indefinitely. For transactions that occurred prior to the effective date of the increase, the increase will apply indefinitely unless 6 consecutive payments are received on or before the due date during the six-month period following such increase.

How to Avoid Paying Interest on Purchases

We will not charge You on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date.

We will not charge You on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date.

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.

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.

Fees

Transaction Fees

• Cash Advance
• Foreign Transactions

Either 3.00% of each cash advance or a minimum of $5.00 and a maximum of $50.00, whichever is greater. 1.00% of each foreign currency transaction in the U.S. dollars. .080% of each U.S. Dollar transaction that occurs in a foreign country.

Either 3.00% of each cash advance or a minimum of $5.00 and a maximum of $50.00, whichever is greater. 1.00% of each foreign currency transaction in the U.S. dollars. .080% of each U.S. Dollar transaction that occurs in a foreign country.

Penalty Fees

• Late Payment
• Returned Payment

Up to $25.00 after 14 days

Up to $25.00

Up to $25.00 after 14 days

Up to $25.00