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We ask that you carefully review the following credit card disclosure, which includes information about credit card rates, fees and other account information. Once you have read this information, click either "Yes, I accept the disclosure" or "No, I do not accept the disclosure". And then click the "Continue" button at the bottom of the page.

Credit Card Rates, Fees and Account Information
Annual Percentage Rate (APR) for Purchases, Balance Transfers and Cash Advances Visa Platinum: 9.90%*
Visa Gold: 11.00%*
Visa Classic: 11.00%*
MasterCard:11.00%*
Other APR's

Penalty APR: 18.00% (If account is twice more than 30 days late in any 6 month period)

Variable Rate Information Your APR may vary. The rate is determined monthly by adding 4.9 to 6% to the Prime Rate*
Annual Membership Fee MasterCard, Visa Platinum and Visa Gold: None; Visa Classic: $22.00
Minimum Finance Charge None
Late Payment Fee $29.00
Over the Limit Fee $29.00
Cash Advance Fee 2% of advance
($2.00 min, $50.00 max)
Balance Transfer Fee None
Return Payment Fee $29.00
Card Replacement Fee $5.00
Customer Requested PIN's and Changes $5.00
Hot Card Fees (Lost/Stolen) Customer Request $25.00
Frozen Account (Lost/Stolen) Customer Request $25.00
Customer Dispute of Valid Charges $10.00
Method of Computing Balance for Purchases Average Daily Balance Including New Purchases
Grace Period For Purchases 25 Days (2)
At the date this page was created (10/29/03) the information listed above was accurate. 
(1) VARIABLE RATE INFORMATION: Your Annual Percentage Rate may vary. The rate is determined by adding 4.9 to 6% to the highest prime rate published in the Money Rates section of the Wall Street  Journal on the first day of the prior month and rounded to the nearest hundredth divisible by twelve. Floor = 8.9%, 9.9%, or 11% depending on credit worthiness; cap = 18%.
(2) A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire new balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire new balance shown on your previous monthly statement within that 25-day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. The finance charge for a billing cycle is computed by applying the monthly periodic rate  to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid finance charges.
A finance charge will be imposed on Cash Advances from the date made or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will continue to accrue on the unpaid average daily balance of such Cash Advances until the date of payment if paid during the same billing cycle, or until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. If the new balance shown on your monthly statement for the prior billing cycle is paid in full within 25 days of the closing date of that statement, no finance charges will be imposed during the currently billing cycle for Cash Advances posted to your account during previous billing cycles. 


The information on the Annual Percentage Rate (APR) and other costs are accurate as of 08/06/08. This information may have changed after that date. To find out what may have changed, call our Note department at (888) 435-BANK(2265) from 8:00 a.m. to 5:00 p.m. CST.

Accept or reject the disclosure, by clicking on one of the buttons below and pressing the "Continue" button. You can print this information for future reference by clicking the "Print" button on your browser. If your application is approved, a copy of this information will also be mailed to you along with your cards.

 Yes, I accept the disclosure.

 No, I do not accept the disclosure.