VISA® Platinum Rewards Important Terms and Conditions

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	If you qualify, 0.00% or 1.99% introductory APR for up to 12 billing cycles based on your credit worthiness. After that, you will have a variable APR based on the US Prime Rate of 15.49%, 17.49%, 19.49% or 21.49% APR, depending on your credit worthiness.
APR for Balance Transfers	If you qualify, 0.00% or 1.99% introductory APR for up to 12 billing cycles based on your credit worthiness. After that, you will have a variable APR based on the US Prime Rate of 15.49%, 17.49%, 19.49% or 21.49% APR, depending on your credit worthiness.
APR for Cash Advances	23.49% This APR will vary with the market based on the US Prime Rate.
How to Avoid Paying Interest on Purchases	Your due date is at least 21 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers 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 website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

Fees
Annual Fee	None
Transaction Fees
• Balance Transfer	Either $10 or 3% of the amount of each transfer, whichever is greater.
• Cash Advance	Either $10 or 4% of the amount of each cash advance, whichever is greater
• Foreign Transaction	2% of each transaction in U.S. dollars.
Penalty Fees
• Late Payment	Up to $25
• Returned Payment	Up to $25

Loss of Introductory APR:: We may end your introductory APR and apply the Standard APR if you make a late payment.
How We Will Calculate Your Balance:: We use a method called “average daily balance (including new purchases).” See your Credit Card Agreement for more details.
Contact for Updates:: The information about the costs of the card described in this application is accurate as of October 1, 2020. This information may have changed after that date. To find out what may have changed, call us at 1-800-641-5046 or write us at Equitable Bank, Card Services, P.O. Box 160, Grand Island, NE 68802.
Billing Rights:: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement.
Important Information About Procedures For Opening A New Account:: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means to you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents. The information that is being requested and observed is for compliance with the requirements of Section 326 of the USA PATRIOT Act related to implementing customer identification and verification requirements.
Variable Rate Information:: Unless an Introductory APR is in effect, the Purchase APR and Balance Transfer APR is determined by adding 6.99%, 8.99%, 10.99%, or 12.99% to the US Prime Rate. The Cash Advance APR is determined by adding 14.99% to the US Prime Rate. The US Prime Rate is subject to change monthly on the first day of each month and is the US Prime Rate published in the “Money Rates” section of the Wall Street Journal on the last business day of the month. An increase or decrease in the US Prime Rate will cause a corresponding increase or decrease in the variable rate on the first day of your billing cycle that ends on or after the date of the change. Your actual APRs will be determined based upon your creditworthiness and will be provided to you in writing when your application is approved.
Rewards Program Information:: All accounts granted a credit card account will be enrolled in Equitable Bank’s Rewards Program. In this program, cash back will be earned based on use of the card. Cash back is awarded and redeemed as follows: In January of each year, your account will be credited an amount equal to 1% of your purchases for the previous 12 months using the credit card. See additional information about this program in your Card Agreement.