Common use of Other Devices Clause in Contracts

Other Devices. Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES VISA NON-VARIABLE RATE PROGRAM: This section explains how we calculate rates and interest charges applicable to your Account. We use annual percentage rates (APRs) to calculate interest charges on your Account. Our VISA program is a non-variable rate program, which means that your APR does not increase or decrease except as otherwise provided for in this Agreement. The Monthly Periodic Rate used in calculating the interest charge (and the corresponding APR) is listed above in the section entitled Pricing Information Table. INTEREST CHARGES: Interest charges will be imposed on Transactions only if you elect not to pay the entire Account Balance shown on your periodic statement by the Payment Due Date. If you elect not to pay the entire Account Balance shown on your periodic statement by the Payment Due Date, interest charges will be imposed on the unpaid Average Daily Balance of Transactions from the previous statement closing date and on the new Transactions from the date of posting to your account during the current Billing Period, and will continue to accrue until the closing date of the Billing Period preceding the date on which the entire Account Balance is paid in full. We calculate interest on your Account each Billing Period by applying the Monthly Periodic Rate to the Average Daily Balance (including new Transactions). The following explains how we do this. To get the Average Daily Balance:  We start with the beginning balance of your account each day.  We add any new Transactions, fees and other charges  We subtract any credits or payments credited as of that day and any unpaid interest or other finance charges. This gives us the daily balance. Then, we add up all the daily balances for the Billing Period and divide the total by the number of days in the Billing Period. This gives us the average daily balance GRACE PERIOD: You will not pay any interest on Purchases if you pay the Account Balance, including any Balance Transfers, in full by the Payment Due Date shown on your periodic statement each Billing Period. We call this a grace period on Purchases. Generally you will have at least a 21-day grace period from the close of each Billing Period to pay the Account Balance without incurring additional interest. The Payment Due Date disclosed on each periodic statement provided to you is the last day of your grace period for that statement’s billing cycle. If you do not pay the Account Balance, including any Balance Transfers, in full by the Payment Due Date in a Billing Period, you will pay interest on your Purchases from the date they are posted to your Account. You also will not have a grace period on Purchases again until you pay the Account Balance in full by the Payment Due Date two (2) Billing Periods in a row. There is no grace period on Balance Transfers and Xxxx Advances. This means you will pay interest on Balance Transfers and Cash Advances from the date these transactions post to your Account. FEES The following fees will be added to your Account, as applicable: FEE AMOUNT ABOUT THE FEE Annual Cardholder Fee None Late Payment Fee Up to $20 You will be charged a Late Payment Fee of up to $20 if you do not pay at least an amount equal to the Minimum Payment Due by the Payment Due Date. The amount of the Late Payment Fee will never be higher than your Minimum Payment Due. Returned Payment Fee Up to $5 If a payment that was applied to your Account is returned to us unpaid for any reason, you will be charged a Returned Payment Fee of up to $5. The Returned Payment Fee will never be higher than the Minimum Payment Due on the last Payment Due Date before the payment is returned. Over the Credit Limit None Cash Advance Fee None Balance Transfer Fee None Foreign Transaction Fee 1% of each transaction in U.S. Dollars See section entitled “Foreign Transactions” below for additional details. FEES: CONTINUED Replacement Card Fee $10.00 Except as prohibited by applicable law, you may be charged a Replacement Card Fee for all cards issued other than the standard re-issue card Document Fee $1 per page If a copy of any periodic statement, sales draft or similar document is provided by us at your request (other than in connection with a billing error inquiry), a Document Fee may be imposed by us on your Account. Rush Card Fee $25 3-day $50 2-day We will charge you a Rush Card Fee to rush each requested replacement card. Returned Convenience Check Fee $22 We will charge you a Returned Convenience Check Fee if a Convenience Check cannot be paid. Convenience Check Stop Payment $10 We will charge you a Convenience Check Stop Payment Fee when you place a stop payment on a Convenience Check. FOREIGN TRANSACTIONS: Purchases, cash advances, and credits made in foreign currencies will be billed to your Account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Visa operating regulations for international transactions. In the event that an international transaction is converted to U.S. dollars the exchange rate between the transaction currency and the billing currency used for processing international transactions will be: (1) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives; or (2) the government-mandated rate in effect for the applicable central processing date. The rate in effect on the applicable processing date may differ from the rate on the date you used your Card. When a credit to the account does not fully offset a charge to the account due to changes in the rate, you are responsible for the difference. For Purchases, Cash Advances, and ATM transactions, we will charge a Foreign Transaction Fee in an amount equal to one percent (1%) of the amount of the Purchase, Cash Advance or ATM transaction, regardless of whether the transaction requires a currency conversion. The above fees for the billing cycle will be shown on your periodic statement. PAYMENTS MINIMUM PAYMENT FOR PREMIER REWARDS VISA: Every month, you must pay at least the Minimum Payment Due by the Payment Due Date shown on your periodic statement. The Minimum Payment Due will be either (1) 2.0% of your Account Balance or $20.00, whichever is greater; or (2) your Account Balance if it is less than $20.00. In addition, you must pay any amount past due, any late charge and any amount over the Credit Limit. APPLICATION OF PAYMENTS: We decide how to apply your payments, up to the Minimum Monthly Payment amount, to the balances on your Account. We will apply the Minimum Monthly Payment amount in the following order: (1) unpaid fees and charges, if any; (2) unpaid periodic interest charges, Transaction Fees, and other finance charges due on Purchases, Balance Transfers, and Cash Advances; (3) outstanding balances of Cash Advances, Balance Transfers, and Purchases previously billed, and (4) current Cash Advances, Balance Transfers and Purchases. If you pay more than the Minimum Payment Due amount, the amount in excess of the Minimum Payment Due will be applied first to the balances subject to the highest APR and then to balances subject to lower APRs, in descending order of APRs until all balances subject to an APR are paid in full. You must continue to make payments until you have paid the Account Balance in full.

Other Devices. Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES VISA NON-VARIABLE RATE PROGRAM: This section explains how we calculate rates and interest charges applicable to your Account. We use annual percentage rates (APRs) to calculate interest charges on your Account. Our VISA program is a non-variable rate program, which means that your APR does not increase or decrease except as otherwise provided for in this Agreement. The Monthly Periodic Rate used in calculating the interest charge (and the corresponding APR) is listed above in the section entitled Pricing Information Table. INTEREST CHARGES: Interest charges will be imposed on Transactions only if you elect not to pay the entire Account Balance shown on your periodic statement by the Payment Due Date. If you elect not to pay the entire Account Balance shown on your periodic statement by the Payment Due Date, interest charges will be imposed on the unpaid Average Daily Balance of Transactions from the previous statement closing date and on the new Transactions from the date of posting to your account during the current Billing Period, and will continue to accrue until the closing date of the Billing Period preceding the date on which the entire Account Balance is paid in full. We calculate interest on your Account each Billing Period by applying the Monthly Periodic Rate to the Average Daily Balance (including new Transactions). The following explains how we do this. To get the Average Daily Balance:  • We start with the beginning balance of your account each day.  • We add any new Transactions, fees and other charges  • We subtract any credits or payments credited as of that day and any unpaid interest or other finance charges. This gives us the daily balance. Then, we add up all the daily balances for the Billing Period and divide the total by the number of days in the Billing Period. This gives us the average daily balance GRACE PERIOD: You will not pay any interest on Purchases if you pay the Account Balance, including any Balance Transfers, in full by the Payment Due Date shown on your periodic statement each Billing Period. We call this a grace period on Purchases. Generally you will have at least a 21-day grace period from the close of each Billing Period to pay the Account Balance without incurring additional interest. The Payment Due Date disclosed on each periodic statement provided to you is the last day of your grace period for that statement’s billing cycle. If you do not pay the Account Balance, including any Balance Transfers, in full by the Payment Due Date in a Billing Period, you will pay interest on your Purchases from the date they are posted to your Account. You also will not have a grace period on Purchases again until you pay the Account Balance in full by the Payment Due Date two (2) Billing Periods in a row. There is no grace period on Balance Transfers and Xxxx Advances. This means you will pay interest on Balance Transfers and Cash Advances from the date these transactions post to your Account. FEES The following fees will be added to your Account, as applicable: FEE AMOUNT ABOUT THE FEE Annual Cardholder Fee None Late Payment Fee Up to $20 You will be charged a Late Payment Fee of up to $20 if you do not pay at least an amount equal to the Minimum Payment Due by the Payment Due Date. The amount of the Late Payment Fee will never be higher than your Minimum Payment Due. Returned Payment Fee Up to $5 If a payment that was applied to your Account is returned to us unpaid for any reason, you will be charged a Returned Payment Fee of up to $5. The Returned Payment Fee will never be higher than the Minimum Payment Due on the last Payment Due Date before the payment is returned. Over the Credit Limit None Cash Advance Fee None Balance Transfer Fee None Foreign Transaction Fee 1% of each transaction in U.S. Dollars See section entitled “Foreign Transactions” below for additional details. FEES: CONTINUED Replacement Card Fee $10.00 Except as prohibited by applicable law, you may be charged a Replacement Card Fee for all cards issued other than the standard re-issue card Document Fee $1 per page If a copy of any periodic statement, sales draft or similar document is provided by us at your request (other than in connection with a billing error inquiry), a Document Fee may be imposed by us on your Account. Rush Card Fee $25 3-day $50 2-day We will charge you a Rush Card Fee to rush each requested replacement card. Returned Convenience Check Fee $22 We will charge you a Returned Convenience Check Fee if a Convenience Check cannot be paid. Convenience Check Stop Payment $10 We will charge you a Convenience Check Stop Payment Fee when you place a stop payment on a Convenience Check. FOREIGN TRANSACTIONS: Purchases, cash advances, and credits made in foreign currencies will be billed to your Account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Visa operating regulations for international transactions. In the event that an international transaction is converted to U.S. dollars the exchange rate between the transaction currency and the billing currency used for processing international transactions will be: (1) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives; or (2) the government-mandated rate in effect for the applicable central processing date. The rate in effect on the applicable processing date may differ from the rate on the date you used your Card. When a credit to the account does not fully offset a charge to the account due to changes in the rate, you are responsible for the difference. For Purchases, Cash Advances, and ATM transactions, we will charge a Foreign Transaction Fee in an amount equal to one percent (1%) of the amount of the Purchase, Cash Advance or ATM transaction, regardless of whether the transaction requires a currency conversion. The above fees for the billing cycle will be shown on your periodic statement. PAYMENTS MINIMUM PAYMENT FOR PREMIER REWARDS TRADITIONAL VISA: Every month, you must pay at least the Minimum Payment Due by the Payment Due Date shown on your periodic statement. The Minimum Payment Due will be either (1) 2.03.0% of your Account Balance or $20.00, whichever is greater; or (2) your Account Balance if it is less than $20.00. In addition, you must pay any amount past due, any late charge and any amount over the Credit Limit. APPLICATION OF PAYMENTS: We decide how to apply your payments, up to the Minimum Monthly Payment amount, to the balances on your Account. We will apply the Minimum Monthly Payment amount in the following order: (1) unpaid fees and charges, if any; (2) unpaid periodic interest charges, Transaction Fees, and other finance charges due on Purchases, Balance Transfers, and Cash Advances; (3) outstanding balances of Cash Advances, Balance Transfers, and Purchases previously billed, and (4) current Cash Advances, Balance Transfers and Purchases. If you pay more than the Minimum Payment Due amount, the amount in excess of the Minimum Payment Due will be applied first to the balances subject to the highest APR and then to balances subject to lower APRs, in descending order of APRs until all balances subject to an APR are paid in full. You must continue to make payments until you have paid the Account Balance in full.

Other Devices. Smart phones, tablets and other electronic devices can store your Card card (such as through a mobile wallet). This means they can be used to make Purchases purchases or other Transactionstransactions. Any such Transactions transactions are covered by this Agreement. Apps that use your Card card to make Transactions transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period cycle of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Accountaccount. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance account balance as well as to future Transactionstransactions. We may change the terms of this Agreement based on information in your credit report, market conditions, and business strategy or for any other reason. CHANGING CHANGES TO BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES VISA NON-VARIABLE RATE PROGRAM: This section explains how we calculate rates and interest charges applicable to your Accountaccount. Your variable APR information is shown in Part 1 including any promotional or introductory APR that may apply when your account is opened. We use annual percentage rates (APRs) to calculate interest charges on your Accountaccount. Our VISA program is a non-variable rate program, which means that your APR does not may increase or decrease except as otherwise provided for in this Agreementeach billing cycle while you maintain your account with us. The Monthly Periodic Rate used in calculating the interest charge (and the corresponding APR) standard variable APR is listed above subject to change each billing cycle based on an increase or decrease in the section entitled Pricing Information Table. INTEREST CHARGES: Interest charges will be imposed on Transactions only if you elect not to pay the entire Account Balance shown on your periodic statement by the Payment Due Date. If you elect not to pay the entire Account Balance shown on your periodic statement by the Payment Due Date, interest charges will be imposed on the unpaid Average Daily Balance of Transactions from the previous statement closing date and on the new Transactions from the date of posting to your account during the current Billing Period, and will continue to accrue until the closing date of the Billing Period preceding the date on which the entire Account Balance is paid in full. We calculate interest on your Account each Billing Period by applying the Monthly Periodic Prime Rate to the Average Daily Balance (including new TransactionsIndex). The following explains how we do this. To get the Average Daily Balance:  We start with the beginning balance of your account each day.  We add any new Transactions, fees and other charges  We subtract any credits or payments credited as of that day and any unpaid interest or other finance charges. This gives us the daily balance. Then, we add up all the daily balances for the Billing Period and divide the total by the number of days in the Billing Period. This gives us the average daily balance GRACE PERIOD: You will not pay any interest on Purchases if you pay the Account Balance, including any Balance Transfers, in full by the Payment Due Date shown on your periodic statement each Billing Period. We call this a grace period on Purchases. Generally you will have at least a 21-day grace period from the close of each Billing Period to pay the Account Balance without incurring additional interest. The Payment Due Date disclosed on each periodic statement provided to you Prime Rate (Index) is the last day of your grace period for that statement’s billing cycle. If you do not pay the Account Balance, including any Balance Transfers, highest Prime Rate (Index) published in full by the Payment Due Date in a Billing Period, you will pay interest on your Purchases from the date they are posted to your Account. You also will not have a grace period on Purchases again until you pay the Account Balance in full by the Payment Due Date two (2) Billing Periods in a row. There is no grace period on Balance Transfers and Xxxx Advances. This means you will pay interest on Balance Transfers and Cash Advances from the date these transactions post to your Account. FEES The following fees will be added to your Account, as applicable: FEE AMOUNT ABOUT THE FEE Annual Cardholder Fee None Late Payment Fee Up to $20 You will be charged a Late Payment Fee of up to $20 if you do not pay at least an amount equal to the Minimum Payment Due by the Payment Due Date. The amount of the Late Payment Fee will never be higher than your Minimum Payment Due. Returned Payment Fee Up to $5 If a payment that was applied to your Account is returned to us unpaid for any reason, you will be charged a Returned Payment Fee of up to $5. The Returned Payment Fee will never be higher than the Minimum Payment Due on the last Payment Due Date before the payment is returned. Over the Credit Limit None Cash Advance Fee None Balance Transfer Fee None Foreign Transaction Fee 1% of each transaction in U.S. Dollars See section entitled “Foreign Transactions” below for additional details. FEES: CONTINUED Replacement Card Fee $10.00 Except as prohibited by applicable law, you may be charged a Replacement Card Fee for all cards issued other than the standard re-issue card Document Fee $1 per page If a copy of any periodic statement, sales draft or similar document is provided by us at your request (other than in connection with a billing error inquiry), a Document Fee may be imposed by us on your Account. Rush Card Fee $25 3-day $50 2-day We will charge you a Rush Card Fee to rush each requested replacement card. Returned Convenience Check Fee $22 We will charge you a Returned Convenience Check Fee if a Convenience Check cannot be paid. Convenience Check Stop Payment $10 We will charge you a Convenience Check Stop Payment Fee when you place a stop payment on a Convenience Check. FOREIGN TRANSACTIONS: Purchases, cash advances, and credits made in foreign currencies will be billed to your Account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Visa operating regulations for international transactionsWall Street Journal. In the event that the Prime Rate (Index) ceases to be published, changes in your APR will be provided to you on your periodic statement or through a separate notice. We calculate your APR for transactions by adding an international transaction is converted amount, which we call the margin, to U.S. dollars the exchange rate between Prime Rate (Index) in effect the transaction currency and last day of the billing currency used cycle. You can find the margin, your initial Prime Rate (Index), daily periodic rate and corresponding APR we use for processing international transactions will be: (1) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives; or (2) the government-mandated rate in effect for the applicable central processing date. The rate in effect on the applicable processing date may differ from the rate on the date you used your Card. When a credit to the account does not fully offset a charge to the account due to changes in the rateAccount Opening Disclosure. Your APR will increase if the Prime Rate (Index) increases and decrease if the Prime Rate (Index) decreases. If your APR increases, you are responsible for then your interest charges and minimum payment due may increase. If the difference. For Purchases, Cash Advances, and ATM transactionsPrime Rate (Index) changes, we will charge a Foreign Transaction Fee in an amount equal to one percent (1%) apply the new variable APR starting from the first day of the amount of the Purchase, Cash Advance or ATM transaction, regardless of whether the transaction requires a currency conversion. The above fees for the billing cycle will be shown on your periodic statement. PAYMENTS MINIMUM PAYMENT FOR PREMIER REWARDS VISA: Every month, you must pay at least statement when we take the Minimum Payment Due by the Payment Due Date shown on your periodic statementPrime Rate (Index) from The Wall Street Journal. The Minimum Payment Due new APR will be either apply to existing balances and balances added to your account after the change. There is no minimum or maximum APR that can apply during the term of this Agreement. There are no annual (1or other) 2.0% of your Account Balance or $20.00, whichever is greater; or (2) your Account Balance if it is less than $20.00. In addition, you must pay any amount past due, any late charge and any amount over the Credit Limit. APPLICATION OF PAYMENTS: We decide how to apply your payments, up limitations on changes to the Minimum Monthly Payment amount, to APR during the balances on your Accountterm of this Agreement. We will apply the Minimum Monthly Payment amount in the following order: (1) unpaid fees and charges, if any; (2) unpaid periodic interest charges, Transaction Fees, and other finance charges due on Purchases, Balance Transfers, balance transfers and Cash Advances; (3) outstanding balances of Cash Advances, Balance Transfers, and Purchases previously billed, and (4) current Cash Advances, Balance Transfers and Purchases. If you pay more than the Minimum Payment Due amount, the amount in excess of the Minimum Payment Due will be applied first to the balances cash advances are all subject to the highest same APR. The daily periodic rate is determined by dividing the APR by 365 and then will change when the APR changes. PROMOTIONAL OR INTRODUCTORY RATE APR: From time to balances time and at our discretion, we may offer you a promotional APR for all or any part of your account balance, balance transfer or future transactions. The period of time for which the promotional APR applies may be limited. Any applicable promotional APR, the corresponding periodic rates, and the period of time during which they are in effect will appear on the offer. Any promotional rate offer will be subject to lower APRs, in descending order the terms of APRs until all balances subject to an APR are paid in full. You must continue to make payments until you have paid the Account Balance in fulloffer and this Agreement.

Other Devices. Smart phones, tablets and other electronic devices can store your Card (such as through a mobile wallet). This means they can be used to make Purchases or other Transactions. Any such Transactions are covered by this Agreement. Apps that use your Card to make Transactions may have separate terms of use. We are not responsible if you violate those terms, or for any consequences resulting from any violation. AGREEMENT AND BENEFIT CHANGES CHANGES TO THIS AGREEMENT: Account and Agreement terms are not guaranteed for any period of time. We may change this Agreement for any reason and at any time, subject to applicable law. This means that we can change rates and fees that apply to your Account. It also means we can add, remove, replace or modify provisions of this Agreement. If required by applicable law, we will give you notice of the changes. If you have the right to reject a change, we will notify you and tell you how to reject, unless you fail to make a required minimum payment within sixty (60) days after its due date. If we notify you of a change, we may do so on your periodic statement or send you a separate written notice, either of which may be sent to you in an electronic format if you have agreed to receive notices from us electronically. Except as prohibited by law, any change in terms will apply to your existing Account Balance as well as to future Transactions. We may change the terms of this Agreement based on information in your credit report, market conditions, business strategy or for any other reason. CHANGING BENEFITS: Any benefit, reward, service or feature offered may change or be discontinued at any time for any reason. Separate terms and conditions will describe any exceptions. ANNUAL PERCENTAGE RATES AND INTEREST CHARGES VISA NON-VARIABLE RATE PROGRAM: This section explains how we calculate rates and interest charges applicable to your Account. We use annual percentage rates (APRs) to calculate interest charges on your Account. Our VISA program is a non-variable rate program, which means that your APR does not increase or decrease except as otherwise provided for in this Agreement. The Monthly Periodic Rate used in calculating the interest charge (and the corresponding APR) is listed above in the section entitled Pricing Information Table. INTEREST CHARGES: Interest charges will be imposed on Transactions only if you elect not to pay the entire Account Balance shown on your periodic statement by the Payment Due Date. If you elect not to pay the entire Account Balance shown on your periodic statement by the Payment Due Date, interest charges will be imposed on the unpaid Average Daily Balance of Transactions from the previous statement closing date and on the new Transactions from the date of posting to your account during the current Billing Period, and will continue to accrue until the closing date of the Billing Period preceding the date on which the entire Account Balance is paid in full. We calculate interest on your Account each Billing Period by applying the Monthly Periodic Rate to the Average Daily Balance (including new Transactions). The following explains how we do this. To get the Average Daily Balance:  • We start with the beginning balance of your account each day.  • We add any new Transactions, fees and other charges  • We subtract any credits or payments credited as of that day and any unpaid interest or other finance charges. This gives us the daily balance. Then, we add up all the daily balances for the Billing Period and divide the total by the number of days in the Billing Period. This gives us the average daily balance GRACE PERIOD: You will not pay any interest on Purchases if you pay the Account Balance, including any Balance Transfers, in full by the Payment Due Date shown on your periodic statement each Billing Period. We call this a grace period on Purchases. Generally you will have at least a 21-day grace period from the close of each Billing Period to pay the Account Balance without incurring additional interest. The Payment Due Date disclosed on each periodic statement provided to you is the last day of your grace period for that statement’s billing cycle. If you do not pay the Account Balance, including any Balance Transfers, in full by the Payment Due Date in a Billing Period, you will pay interest on your Purchases from the date they are posted to your Account. You also will not have a grace period on Purchases again until you pay the Account Balance in full by the Payment Due Date two (2) Billing Periods in a row. There is no grace period on Balance Transfers and Xxxx Advances. This means you will pay interest on Balance Transfers and Cash Advances from the date these transactions post to your Account. FEES The following fees will be added to your Account, as applicable: FEE AMOUNT ABOUT THE FEE Annual Cardholder Fee None Late Payment Fee Up to $20 You will be charged a Late Payment Fee of up to $20 if you do not pay at least an amount equal to the Minimum Payment Due by the Payment Due Date. The amount of the Late Payment Fee will never be higher than your Minimum Payment Due. Returned Payment Fee Up to $5 If a payment that was applied to your Account is returned to us unpaid for any reason, you will be charged a Returned Payment Fee of up to $5. The Returned Payment Fee will never be higher than the Minimum Payment Due on the last Payment Due Date before the payment is returned. Over the Credit Limit None Cash Advance Fee None Balance Transfer Fee None Foreign Transaction Fee 1% of each transaction in U.S. Dollars See section entitled “Foreign Transactions” below for additional details. FEES: CONTINUED Replacement Card Fee $10.00 Except as prohibited by applicable law, you may be charged a Replacement Card Fee for all cards issued other than the standard re-issue card Document Fee $1 per page If a copy of any periodic statement, sales draft or similar document is provided by us at your request (other than in connection with a billing error inquiry), a Document Fee may be imposed by us on your Account. Rush Card Fee $25 3-day $50 2-day We will charge you a Rush Card Fee to rush each requested replacement card. Returned Convenience Check Fee $22 We will charge you a Returned Convenience Check Fee if a Convenience Check cannot be paid. Convenience Check Stop Payment $10 We will charge you a Convenience Check Stop Payment Fee when you place a stop payment on a Convenience Check. FOREIGN TRANSACTIONS: Purchases, cash advances, and credits made in foreign currencies will be billed to your Account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Visa operating regulations for international transactions. In the event that an international transaction is converted to U.S. dollars the exchange rate between the transaction currency and the billing currency used for processing international transactions will be: (1) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives; or (2) the government-mandated rate in effect for the applicable central processing date. The rate in effect on the applicable processing date may differ from the rate on the date you used your Card. When a credit to the account does not fully offset a charge to the account due to changes in the rate, you are responsible for the difference. For Purchases, Cash Advances, and ATM transactions, we will charge a Foreign Transaction Fee in an amount equal to one percent (1%) of the amount of the Purchase, Cash Advance or ATM transaction, regardless of whether the transaction requires a currency conversion. The above fees for the billing cycle will be shown on your periodic statement. PAYMENTS MINIMUM PAYMENT FOR PREMIER REWARDS LOW RATE VISA: Every month, you must pay at least the Minimum Payment Due by the Payment Due Date shown on your periodic statement. The Minimum Payment Due will be either (1) 2.0% of your Account Balance or $20.00, whichever is greater; or (2) your Account Balance if it is less than $20.00. In addition, you must pay any amount past due, any late charge and any amount over the Credit Limit. APPLICATION OF PAYMENTS: We decide how to apply your payments, up to the Minimum Monthly Payment amount, to the balances on your Account. We will apply the Minimum Monthly Payment amount in the following order: (1) unpaid fees and charges, if any; (2) unpaid periodic interest charges, Transaction Fees, and other finance charges due on Purchases, Balance Transfers, and Cash Advances; (3) outstanding balances of Cash Advances, Balance Transfers, and Purchases previously billed, and (4) current Cash Advances, Balance Transfers and Purchases. If you pay more than the Minimum Payment Due amount, the amount in excess of the Minimum Payment Due will be applied first to the balances subject to the highest APR and then to balances subject to lower APRs, in descending order of APRs until all balances subject to an APR are paid in full. You must continue to make payments until you have paid the Account Balance in full.