VISA® Platinum	VISA® Platinum Rewards
ANNUAL PERCENTAGE RATE (APR) for Purchases and Balance Transfers	Variable APR is between 9.24% and 18.00% (1)	3.99% APR for the first 6 months following the opening of your account. After that, the Variable APR is between 10.24% and 18.00% (1)
OTHER APRs	Cash Advance APR: 18.00% variable (2)
Variable Rate Information	The APR on the Visa® Platinum and Visa® Platinum Rewards Cards may vary monthly. The rate for purchases and balance transfers will equal the Prime Rate, plus a margin based upon your cumulative credit history. See explanation (1) below. The rate for cash advances will equal the Prime Rate, plus 17.99%. See explanation (2) below.
Grace Period	At least 25 days for purchases and balance transfers if you pay your new balance for purchases and balance transfers in full each billing period before the due date. There is no grace period for cash advances.
Method of Computing the Balance for Purchases & Cash Advances	Average daily balance (including new transactions)
Annual Fees	None
Minimum Finance Charge	None
Transaction Fees	Cash Advance fee: 4% of the amount of each cash advance, $10 minimum Balance Transfer fee: 3% of the amount of each balance transfer, $5 minimum Foreign Currency Transaction fee: 2% of the amount of the transaction (after conversion to U.S. dollars)
Miscellaneous Fees	Late fee: $35 if more than three days past due Over Limit fee: None Returned payment fee: $30
(1) Your APR for purchases and balance transfers will equal the sum of the Prime Rate as listed in the Money Rates Section of the Eastern edition of The Wall Street Journal on the last business day of each month, plus a margin based upon your cumulative credit history. Changes in the Prime Rate will cause changes in the APR. Changes in the APR as the result of changes in the Prime Rate will be effective on the first day of the next month following one full billing cycle after any change in the Prime Rate. In addition, a margin based upon your cumulative credit history will be added to the Prime Rate for the purpose of determining your APR. (2) Your APR for cash advances will equal the sum of the Prime Rate, plus 17.99%, subject to a maximum of the greater of 18.00% APR or the highest APR then permitted by applicable law. Rates shown in ANNUAL PERCENTAGE RATE above accurate as of February 1, 2010. The information may have changed after that date. To find out what may have changed, call us at 407.277.5045 or write us at 3075 N. Alafaya Trail, Orlando, FL 32826. All rates are subject to a maximum of the greater of 18.00% APR or the highest APR then permitted by applicable law.

APR = Annual Percentage Rate

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