Bank of Smithtown Platinum Edition Visa Card

Credit Card Rate Information:

Purchase

Balance Transfer

Cash Advance

Index:

Prime

Margin:

6.74

6.74%

21.99%

APR:

9.99% Variable

25.24% Variable

APR Floor:

None

Intro Rate:

0%

0.00%

N/A

Intro Period:

12 billing cycles

N/A

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

21 days

Default/Penalty APR:

Up to 29.99% Variable

Default/Penalty Margin:

Up to 26.74

Default/Penalty APR Floor:

None

Maximum Default APR:

29.99%

Penalty/Default Trigger:

The Penalty APR may be applied to your account if you make a late payment, go over your credit limit, or make a payment that is returned.

Credit Card Fee Information:

Annual Fee:

$0

Foreign Transaction Fee:

3%

Late Fee:

Over-the-limit Fee:

$0 min.

Balance Transfer Fee:

See Special Notes

Cash Advance Fee:

See Special Notes

Notes:

Rebate Description:

N/A

Special Notes:

The credit card company will not charge interest on purchases if the entire balance is paid by the due date each month. Balance Transfer Fee: Either $10 or 3% of the amount of each transfer, whichever is greater, for the balance transfers made in the first 12 billing cycles. After that, either $10 or 5% of the amount of each transfer, whichever is greater. Cash Advance Fee: Either $15 or 5% of the amount of each cash equivalent transaction, whichever is greater. Foreign Transaction Fee: 3% of each transaction in U.S. dollars.

Card Issued By:

First National Bank of Omaha

General Correspondence Address:

1 First National Cir, Omaha, NE, 68102

Card Type:

Visa

Card Class:

Platinum

Card Category:

Balance Transfer, Low Interest, Low Intro Rate

States Available In:

ALL