Annual Percentage Rate (APR) For Purchases

Platinum VISA:  9.9% fixed
Preferred Member VISA: 13.9% fixed
Share Secured VISA: 15.9% fixed

Other APRs

Platinum VISA:
Balance Transfer APR: 9.9%
Cash Advance APR: 9.9%

Preferred Member VISA:
Balance Transfer APR: 13.9%
Cash Advance APR: 13.9%

Share Secured VISA:
Balance Transfer APR: 15.9%
Cash Advance APR: 15.9%

Grace Period For Repayment Of Purchases

You have 25 days to repay your balance before a finance charge on purchases will be imposed.

Method Of Computing the Balance For Purchases

Average Daily Balance (including new purchases)

Cash Advance Fee

Platinum VISA:  2% (FINANCE CHARGE) of the cash advance

Preferred Member VISA:  2% (FINANCE CHARGE) of the cash advance

Over-the-Limit Fee

Annual Fee

None

Minimum Finance Charge

None

Transaction Fee For Purchases

None

Transaction Fee for Paying Late

Platinum VISA:
The greater of 5% of the minimum periodic payment or $15, but in no event less than $1.00, for each payment in default 15 days or more.

Preferred Member VISA:
The greater of 5% of the minimum periodic payment or $15, but in no event less than $1.00, for each payment in default 15 days or more.

Share Secured VISA:
The lesser of 5% of the minimum periodic payment or $15, but in no event less than $1.00, for each payment in default 15 days or more.

1% of the amount of the transaction will be imposed on all multi-currency foreign transactions, and a fee of 0.8 percent of the transaction will be imposed on all single currency international transactions, including purchases, cash withdrawals and credits to your account. The fee(s) will be calculated in U.S. dollars. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the U.S., Puerto Rico or the U.S. Virgin Islands.