VISA® Business

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	12.99%
APR for Balance Transfers	12.99%
APR for Cash Advances	19.99%
Penalty APR and When It Applies	19.99% This APR may be applied if you are more than 60 days late in paying your bill. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.
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 if you pay your entire balance by the due date each month. 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 Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees
Annual Fee	None
Transaction Fees
• Balance Transfer	None
• Cash Advances	3% of the advance in excess of $40.00 obtained through ATM's. Charge for any other source is 3% of the advance, $10.00 minimum, $50.00 maximum.
• Foreign Transaction	1% of each transaction in U.S. Dollars.
Penalty Fees
• Late Payment	Up to $25.00
• Over-the-Credit-Limit	None
• Returned Payment	Up to $25.00
Other Fees
• Replacement Card Fee	$2.50
• Rush Card Fee	We will charge a rush card fee of $25.00 for express delivery if requested.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account 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.