Visa

Rates and Terms

Rates and Terms effective June 1, 2010 and subject to change.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	9.99%, 13.99% or 18% based on your creditworthiness. This rate will vary with the market based on the Prime Rate.
APR for Balance Transfers	9.99%, 13.99% or 18% based on your creditworthiness. This rate will vary with the market based on the Prime Rate.
APR for Cash Advances	9.99%, 13.99% or 18% based on your creditworthiness. This rate will vary with the market based on the Prime Rate.
Penalty APR and When it Applies	18% This APR may be applied to your account if you make a late payment. How long will the Penalty APR apply? If your APR is increased as the result of a late payment, you must make the six consecutive minimum payments immediately after the increase by the due date to receive a reduced rate.
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.
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 at http://www.federalreserve.gov/creditcard

Fees
Annual Fee	None
• Balance Transfer Fee • Cash Advance Fee • Overlimit Fee • Foreign Transaction Fee	None None None 1% of each transaction in U.S. dollars.
Penalty Fees • Late Payment • Returned Payment	If no more than one payment is late during a 12-month period, no delinquency fee will be charged. If more than one payment is late during a 12-month period you will be charged the following late payment fees: • $19 for the second late payment • $29 for the third late payment • $39 for the fourth and each subsequent late payment $10

Fees

Annual Fee

None

• Balance Transfer Fee

• Cash Advance Fee

• Overlimit Fee

• Foreign Transaction
Fee

None

1% of each transaction in U.S. dollars.

Penalty Fees

• Late Payment

• Returned Payment

If no more than one payment is late during a 12-month period, no delinquency fee will be charged.
If more than one payment is late during a 12-month period you will be charged the following late payment fees:

• $19 for the second late payment

• $29 for the third late payment

• $39 for the fourth and each subsequent late payment

$10

How We Will Calculate Your Balance: We use a method called “average daily balance.” Refer to the section “Finance Charges” within the Agreement for more information on how your balance is calculated.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the Agreement.