Business Platinum Visa Fair Credit and Charge Card Disclosure


ANNUAL PERCENTAGE RATE (APR) for Purchases	12.24 to 16.24 when you open your account, based on your creditworthiness. The APR will vary with the market based on the Prime Rate.
Other APRs	Balance Transfer APR: 18% fixed Cash Advance APR: 18% fixed Penalty APR: 18% fixed¹ This APR may be applied to the entire balance on your account if you make a late payment
Variable Rate Information	APRs will vary. The APR for purchases will equal U.S. Prime Rate² plus a margin of either 5.99% or 9.99%, based on credit and other conditions. The maximum APR that can apply is 18% or the maximum permitted by law, whichever is greater. However, the APR will not go below 8% or 9.99% depending on credit qualification.
Grace Period for Repayment of Balances for Purchases	25 days if total balance is paid in full by the payment due date on the billing statement; otherwise none.
Grace Period for Repayment of Balances for Cash Advances and Balance Transfers	None
Method of Computing the Balance for Purchases	Average daily balance (including new purchases)
Annual Fee	$35
Minimum Financial Charge	None
Balance Transfer Fee	$0
Cash Advance Fee	2% of each Cash Advance
Over-limit Fee	$15 when account balance exceeds the established credit limit by 10% or more.
Late Payment Fee	$25, when the minimum required payment is not received within 10 days after the Closing Date subsequent to the payment Due Date.
Returned Check Fee	$28
Card Replacement Fee	$5
International Purchase, Credit Voucher and Cash Disbursement Fee	1% per transaction
Pay-by-Phone Fee	$5
To Report Lost or Stolen Cards 24/7, call (800) 449-7728.

Delinquency APR will apply if you fail to make your required minimum payment by the due date two or more times (which need not be consecutive) in any six-month period. Once your Account is subject to the Delinquency APR, if you pay all past due amounts and any fees, and you pay your minimum monthly payment on-time for six consecutive months, we may adjust this rate to your current Standard Rate.
The Prime rate for the Platinum VISA® Business credit account is the highest bank prime loan rate as published on the first Tuesday of the month prior to the start of each quarter listed in The Wall Street Journal in its Money Rate section. The Annual Percentage Rate can change quarterly on the first day of January, April, July, and October. The information regarding the cost of the accounts described above is accurate as of May 1, 2012. This information may have changed after that date. To find out what may have changed, call us at (210) 442-0100, +1 (800) 683-1211, or write us at Firstmark Credit Union, P.O. Box 701650, San Antonio, Texas 78270-1650.

Business Platinum Visa Fair Credit and Charge Card Disclosure

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