VISA® VIP REBATE AGREEMENT AND DISCLOSUREVisa® Vip Rebate Agreement and Disclosure • May 22nd, 2009 • Minnesota
Contract Type FiledMay 22nd, 2009 JurisdictionInterest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 10.96% - 12.99% Other APRs: For Balance Transfers and Cash Advances 10.96% - 12.99% Rates vary based on credit history Paying Interest Pay full amount of the New Balance of Purchases within 25 days of your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge None For Credit Card tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Annual Fee None Transaction Fees:Cash Advance Foreign Transaction 2% of transaction amount or $2 minimum ($5 additional fee for advances via phone) 1% of U.S. dollar transaction amount Penalty Fees: Over the Limit Late Payment NSF NoneUp to $25 assessed on the 15th day after the stated due date Up to