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Credit Card Disclosures

Credit Card Disclosures

Classic MasterCard Credit Disclosure

You can also view our Gold and Platinum disclosures. 

Interest Rates and Interest Charges MasterCard® 
Annual Percentage Rate (APR)
for Purchases
15.65%
This APR will vary with the market based on the Prime Rate*
APR for Balances Transfers 15.65%
This APR will vary with the market based on the Prime Rate*
APR for Cash Advances 15.65%
This APR will vary with the market based on the Prime Rate*
Penalty APR and When it
Applies
24.99%
This APR may be applied to your account if you:
1.  Make a late payment;
2.  Make a payment that is returned;
3.  If account becomes 60 days past due.

How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
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 retail purchases if you pay your entire balance by the due date.  We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00
For 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 web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees MasterCard® 
Annual Fee $18.00
Transaction Fees
● Balance Transfer
● Cash Advances
● Foreign Transaction

No charge
$2.00 or 2.5% of the amount advanced up to $20.00
1.0% of converted amount - MasterCard® imposed
Penalty Fees
● Late Payment

● Over-the-Credit-Limit
● Returned Payment
  
Up to $35.00 but will not be greater than the minimum
payment amount
N/A
Up to $35.00 but will not be greater than the minimum
payment amount

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.

How We Calculate Your Variable APR: We calculate your variable APR by adding a margin (interest percentage) to the value of an index. *The index we use is the "Prime Rate" published in the Wall Street Journal on the 3rd Tuesday of the prior month preceding the first day of the billing cycle. The margins we use to add to the Prime Rate for Purchases, Balance Transfers and Cash Advances are: Classic 12.4%, Gold 8.75%, and Platinum 7.0%.

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

These disclosures are accurate as of April 10, 2014 and are subject to change. For further information please call (614) 552-0511 or 1-800-697-0049 or write to us at 6887 E. Main Street, Reynoldsburg, Ohio 43068.

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Gold MasterCard Credit Disclosure

Interest Rates and Interest Charges Gold MasterCard® 
Annual Percentage Rate (APR)
for Purchases
12.00%
This APR will vary with the market based on the Prime Rate*
APR for Balances Transfers 12.00%
This APR will vary with the market based on the Prime Rate*
APR for Cash Advances 12.00%
This APR will vary with the market based on the Prime Rate*
Penalty APR and When it
Applies
24.99%
This APR may be applied to your account if you:
1.  Make a late payment;
2.  Make a payment that is returned;
3.  If account becomes 60 days past due.

How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
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 retail purchases if you pay your entire balance by the due date.  We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00
For 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 web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees  Gold MasterCard® 
Annual Fee $50.00
Transaction Fees
● Balance Transfer
● Cash Advances
● Foreign Transaction
No charge
$2.00 or 2.5% of the amount advanced up to $20.00
1.0% of converted amount - MasterCard® imposed
Penalty Fees
● Late Payment

● Over-the-Credit-Limit
● Returned Payment
Up to $35.00 but will not be greater than the minimum
payment amount
N/A
Up to $35.00 but will not be greater than the minimum
payment amount

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.

How We Calculate Your Variable APR: We calculate your variable APR by adding a margin (interest percentage) to the value of an index. *The index we use is the "Prime Rate" published in the Wall Street Journal on the 3rd Tuesday of the prior month preceding the first day of the billing cycle. The margins we use to add to the Prime Rate for Purchases, Balance Transfers and Cash Advances are: Classic 12.4%, Gold 8.75%, and Platinum 7.0%.

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

These disclosures are accurate as of April 10, 2014 and are subject to change. For further information please call (614) 552-0511 or 1-800-697-0049 or write to us at 6887 E. Main Street, Reynoldsburg, Ohio 43068.

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Platinum MasterCard Credit Disclosure

Interest Rates and Interest Charges Platinum MasterCard® 
Annual Percentage Rate (APR)
for Purchases
10.25%
This APR will vary with the market based on the Prime Rate*
APR for Balances Transfers 10.25%
This APR will vary with the market based on the Prime Rate*
APR for Cash Advances 10.25%
This APR will vary with the market based on the Prime Rate*
Penalty APR and When it
Applies
24.99%
This APR may be applied to your account if you:
1.  Make a late payment;
2.  Make a payment that is returned;
3.  If account becomes 60 days past due.

How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
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 retail purchases if you pay your entire balance by the due date.  We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00
For 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 web site of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees  Platinum MasterCard® 
Annual Fee $75.00
Transaction Fees
● Balance Transfer
● Cash Advances
● Foreign Transaction

No charge
$2.00 or 2.5% of the amount advanced up to $20.00
1.0% of converted amount - MasterCard® imposed
Penalty Fees
● Late Payment

● Over-the-Credit-Limit
● Returned Payment
  
Up to $35.00 but will not be greater than the minimum
payment amount
N/A
Up to $35.00 but will not be greater than the minimum
payment amount

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.

How We Calculate Your Variable APR: We calculate your variable APR by adding a margin (interest percentage) to the value of an index. *The index we use is the "Prime Rate" published in the Wall Street Journal on the 3rd Tuesday of the prior month preceding the first day of the billing cycle. The margins we use to add to the Prime Rate for Purchases, Balance Transfers and Cash Advances are: Classic 12.4%, Gold 8.75%, and Platinum 7.0%.

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

These disclosures are accurate as of April 10, 2014 and are subject to change. For further information please call (614) 552-0511 or 1-800-697-0049 or write to us at 6887 E. Main Street, Reynoldsburg, Ohio 43068.

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