Small Business and Corporate Credit Cards

VISA® SMALL BUSINESS AND CORPORATE CREDIT CARDS

INTEREST RATES, INTEREST CHARGES, AND FEES DISCLOSURE

Interest Rate and Interest Charges
Annual Percentage Rate (APR) for Purchases and Balance Transfers	13.20% This APR will vary with the market based on the Prime Rate*
APR for Cash Advances	24.24% This APR will vary with the market based on the Prime Rate.*
How to Avoid Paying Interest	Your due date is at least 25 days after the close of each Billing Cycle. We will not charge you interest on Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances on the transaction date. There is no grace period on Cash Advances.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $0.01.

Fees
Annual Fees	NONE
Transaction Fees
• Balance Transfer	$5.00 or 3.0% of the amount transferred, whichever is greater
• Cash Advances	$10.00 or 3.0% of the amount advanced, whichever is greater.
• Foreign Transaction	1.0% of the purchase amount
Penalty Fees
• Late Payment	Up to $25.00
• Over-the-Credit-Limit	Up to $25.00
• Returned Payment	Up to $25.00
Other Fees
• Expedited Delivery Fee	$15.00
• Pay By Phone Fee	$10.00

*Prime Rate and Margin: The variable APR is based on the Prime Rate Index. The Prime Rate Index used to determine your APR is the prime rate published in the Wall Street Journal on the 1st day of the prior month. Your APR may change monthly. For Purchases and Balance Transfers, the APR will be determined by adding the margin of 5.70% to the value of the Prime Rate Index. For Purchases and Balance Transfers, the minimum APR on your account is 13.20%. For Cash Advances, the APR will be determined by adding the margin of 16.74% to the value of the Prime Rate Index. For Cash Advances, the minimum APR on your account is 24.24%.