Disclosures

Visa Cardholder Information
Secured and Unsecured Cards

	Annual percentage rate for purchases and cash advances		Variable rate information		Grace period for repayment of balance for purchases		Annual Fee		Transaction fee for cash advances and fees for late payment
	Visa Gold: 7.95% Visa Gold Plus: 7.95% Visa Classic: 12.35% Student Visa: 14.45%	For the Visa Accounts, the annual percentage rate may vary and the rate is determined by adding a margin to the Prime Rate Index. Visa GOLD: The rate is equal to the Prime Rate plus 2.70%. Visa GOLD PLUS: The rate is equal to the Prime Rate plus 2.70% Visa CLASSIC: The rate is equal to the Prime Rate plus 7.10% Student Visa: The rate is equal to the Prime Rate plus 9.20%	You have 25 days to repay your balance for purchases before a finance charge will be imposed.	Visa Gold: None Visa Gold Plus: $19.95 Visa Classic: None Student Visa: None	Cash advance: 2% of advance but not less than $2. Late payment: $20 Overlimit fee: Visa Gold: $20 Visa Gold Plus: $20 Visa Classic: $15 Student Visa: $15 Sales Draft copies: $6 per copy. NSF checks: $22 each check returned for non–sufficient funds.

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