VISA® Platinum

Important disclosures:

If you request and obtain a Visa® credit card from Exchange Bank, Alabama (Exchange Bank), the following disclosures will apply to your card and card account. The Cardholder Agreement that will be sent to you with your card contains additional terms and conditions regarding your card account.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	12.49% Variable Rate. This APR will vary with the market based on Prime Rate. 3.99% Introductory APR for the first 6 billing cycles that your account is open. After that, 12.49% (prime + 3.99%) Your APR will be based on your credit worthiness.
APR for Balance Transfers	12.49% Variable Rate. This APR will vary with the market based on Prime Rate. 3.99% Introductory APR for the first 6 billing cycles that your account is open. After that, 12.49% (prime + 3.99%) Your APR will be based on your credit worthiness.
APR for Cash Advances	12.49% Variable Rate. This APR will vary with the market based on Prime Rate. 3.99% Introductory APR for the first 6 billing cycles that your account is open. After that, 12.49% (prime + 3.99%) Your APR will be based on your credit worthiness.
Paying Interest	Your due date is at least 25 days after 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. The Interest charge on cash advances begins from the date you obtain the cash advance. The Interest charge on balance transfers begins with the date the transaction is posted to your account.
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	$0
Transaction Fees
• Cash Advances	3% of cash advanced (Minimum $15.00 and Maximum $75.00)
• Foreign Transaction	Currency Conversion 1% of the U.S dollar amount of transaction.
Penalty Fees
• Late Payment	Up to $35.00
• Returned Payment	Up to $35.00
• Declined Access Check	Up to $35.00
Other Fees
• Pay By Phone	$10.00 (Fee only imposed when speaking to a live representative)

Variable Rate: We calculate your variable rate by adding a percentage to the Prime Rate published in The Wall Street Journal and is subject to change when Prime Rate changes.

Military Lending APR: Effective October 1, 2017, Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).