MasterCard Disclosure

MasterCard® and Gold MasterCard® Credit Card Disclosure

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	Standard: 11.90% Gold: 9.90%
APR for Balance Transfers	Standard: 11.90% Gold: 9.90%
APR for Cash Advances	Standard: 11.90% Gold: 9.90%
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 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 $0.50.
For Credit Card Tips from the Federal Reserve Board	To learn more about the factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees
Annual Fee	None
Transaction Fees Balance Transfer Cash Advance Foreign Transaction	None $1 per transaction for cash advances at an ATM 1% of each transaction in U.S. dollars
Penalty Fees Late Payment Returned Payment	$10.00 $20.00
How we will calculate your balance: We use a method called "average daily balance (including new purchases)".