The ONLY Card℠ Mastercard® Credit Card

**Interest Rates and Interest Charges**
Annual Percentage Rate (APR) for Purchases	0.00% introductory APR for six (6) statement cycles after account opening. After that, your APR will be 16.74% to 26.49% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	16.74% to 26.49% Your APR will be based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	29.49% This APR will vary with the market based on the Prime Rate.
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you 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 $1.50.
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 www.consumerfinance.gov/learnmore/

**Fees**
Transaction Fees
Annual Fee	None
Balance Transfer	Either $10 or 4% 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.
International Transaction	3% of each transaction once converted into U.S. Dollars.
Penalty Fees
Late Payment	Up to $35
Over-the-Credit Limit	None
Returned Payment	Up to $35

The information about the costs of the card described in this is accurate as of

11/2024

This information may have changed after that date. To find out what may have changed, call us at (800) 445-9272 or write us at BankCard Services, P.O. Box 779, Jefferson City, MO 65102. For Military Lending Act Disclosure Information, please call (877) 331-2119.

How We will Calculate Your Balance: We use a method called “average daily balance" (including new purchases).
Loss of Introductory APR: We may end your introductory APR and apply the Annual Percentage Rate for Purchases if you make a late payment.

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 open an account. What this means for you: When you open an account, we will ask for your name, physical 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.