Credit Card Disclosures

Platinum Visa Credit Disclosure

Description	Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	15.25% This APR will vary with the market based on the Prime Rate*
APR for Balances Transfers	15.25% This APR will vary with the market based on the Prime Rate*
APR for Cash Advances	15.25% This APR will vary with the market based on the Prime Rate*
Penalty APR and When it Applies	24.99% This APR may be applied to your account if you: Make a late payment; Make a payment that is returned; If account becomes 60 days past due How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases if you pay your entire balance by the due date. We will begin charging interest on cash advances 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 web site of the Consumer Financial Protection Bureau

Description	Fees
Annual Fee	None
Transaction Fees Balance Transfer Cash Advances Foreign Transaction	No charge $2.00 or 2.5% of the amount advanced up to $20.00 1.0% of converted amount - Visa® imposed
Penalty Fees Late Payment Over-the-Credit-Limit Returned Payment	Up to $35.00 but will not be greater than the minimum payment amount N/A Up to $35.00 but will not be greater than the minimum payment amount

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.

How We Calculate Your Variable APR: We calculate your variable APR by adding a margin (interest percentage) to the value of an index. *The index we use is the "Prime Rate" published in the Wall Street Journal on the 3rd Tuesday of the prior month preceding the first day of the billing cycle. The margins we use to add to the Prime Rate for Purchases, Balance Transfers and Cash Advances are: Classic 12.4%, Gold 8.75%, and Platinum 7.0%.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

These disclosures are accurate as of May 4, 2023 and are subject to change. For further information please call (614) 552-0511 or 1-800-697-0049 or write to us at 430 N. Hamilton Rd, Whitehall, Ohio 43213.

Gold Visa Credit Disclosure

Description	Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	17.00% This APR will vary with the market based on the Prime Rate*
APR for Balances Transfers	17.00% This APR will vary with the market based on the Prime Rate*
APR for Cash Advances	17.00% This APR will vary with the market based on the Prime Rate*
Penalty APR and When it Applies	24.99% This APR may be applied to your account if you: Make a late payment; Make a payment that is returned; If account becomes 60 days past due How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases if you pay your entire balance by the due date. We will begin charging interest on cash advances 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 web site of the Consumer Financial Protection Bureau

Description	Fees
Annual Fee	None
Transaction Fees Balance Transfer Cash Advances Foreign Transaction	No charge $2.00 or 2.5% of the amount advanced up to $20.00 1.0% of converted amount - Visa® imposed
Penalty Fees Late Payment Over-the-Credit-Limit Returned Payment	Up to $35.00 but will not be greater than the minimum payment amount N/A Up to $35.00 but will not be greater than the minimum payment amount

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.

How We Calculate Your Variable APR: We calculate your variable APR by adding a margin (interest percentage) to the value of an index. *The index we use is the "Prime Rate" published in the Wall Street Journal on the 3rd Tuesday of the prior month preceding the first day of the billing cycle. The margins we use to add to the Prime Rate for Purchases, Balance Transfers and Cash Advances are: Classic 12.4%, Gold 8.75%, and Platinum 7.0%.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

These disclosures are accurate as of May 4, 2023 and are subject to change. For further information please call (614) 552-0511 or 1-800-697-0049 or write to us at 430 N Hamilton Rd, Whitehall, Ohio 43213.

Classic Visa Credit Disclosure

Description	Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases	20.65% This APR will vary with the market based on the Prime Rate*
APR for Balances Transfers	20.65% This APR will vary with the market based on the Prime Rate*
APR for Cash Advances	20.65% This APR will vary with the market based on the Prime Rate*
Penalty APR and When it Applies	24.99% This APR may be applied to your account if you: Make a late payment; Make a payment that is returned; If account becomes 60 days past due How Long Will the Penalty APR Apply?: If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on retail purchases if you pay your entire balance by the due date. We will begin charging interest on cash advances 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 web site of the Consumer Financial Protection Bureau

Description	Fees
Annual Fee	None
Transaction Fees Balance Transfer Cash Advances Foreign Transaction	No charge $2.00 or 2.5% of the amount advanced up to $20.00 1.0% of converted amount - Visa® imposed
Penalty Fees Late Payment Over-the-Credit-Limit Returned Payment	Up to $35.00 but will not be greater than the minimum payment amount N/A Up to $35.00 but will not be greater than the minimum payment amount

How We Will Calculate Your Balance: We use a method called "average daily balance" (including new purchases). An explanation of this method is provided in your account agreement.

How We Calculate Your Variable APR: We calculate your variable APR by adding a margin (interest percentage) to the value of an index. *The index we use is the "Prime Rate" published in the Wall Street Journal on the 3rd Tuesday of the prior month preceding the first day of the billing cycle. The margins we use to add to the Prime Rate for Purchases, Balance Transfers and Cash Advances are: Classic 12.4%, Gold 8.75%, and Platinum 7.0%.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

These disclosures are accurate as of May 4, 2023 and are subject to change. For further information please call (614) 552-0511 or 1-800-697-0049 or write to us at 430 N. Hamilton Rd., Whitehall, Ohio 43213.

Credit Card Disclosures

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