Purchasing Card Application

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Important Disclosures

Interest Rates / Charges
*APR for Purchases** (Annual Percentage Rate)*	Gold Card or Purchasing Card 17.20% The APR for the Gold cards will vary with the market based on the Prime Rate.
APR for Balance Transfers	Gold Card or Purchasing Card 17.20% The APR for the Gold cards will vary with the market based on the Prime Rate.
APR for Cash Advances	Gold Card or Purchasing Card 17.20% The APR for the Gold cards will vary with the market based on the Prime 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 $1.00.
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 https://www.consumerfinance.gov/learnmore

Fees
Annual Fee	$39	Gold Card or Purchasing Card
Transaction Fees	Balance Transfer	$10 or 5% of the amount of each transfer will apply, whichever is greater.
	Cash Advance	2% of the amount advanced
	Foreign Transaction	2% of each transaction in U.S. dollars
Penalty Fees	Late Payment	5% of the unpaid portion of the Minimum Payment or $20.00, whichever is greater
	Returned Payment	$30

How your balance is calculated: We use a method called “average daily balance (including new purchases).” See your agreement for more details.

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

*Variable Rate Information: The Prime Rate used to determine your APR is a variable rate and is the highest (U.S.) Prime Rate published in The Wall Street Journal on the last day of the quarter. Prime Rate changes will then take effect on the first day of the next billing cycle.

I have read and understand the information detailed in the disclosures above. - Required