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VISA® Secured Credit Card

Interest Rates and Interest Charges for VISA® Secured Credit Card

Annual Percentage Rate (APR) for Purchases

3.50% Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing balances will increase to the new non-discount rate on the first day of the billing cycle.

After that your APR will be 13.99% to  16.99% ,based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Your APR will be 13.99% to 16.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Your APR will be 13.99% to 16.99%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies/Minimum Interest Charge

NONE

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.

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 Web site of the Federal Reserve Board at

 http://www.federalreserve.gov/creditcard

*APR = Annual Percentage Rate
**The rates displayed are the lowest loan rates available. Actual rates may vary depending upon a variety of factors including borrower's credit history.

Rates effective January 18, 2011; Rates are subject to change without notice.

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