Berkshire Municipal Bank Visa Signature Card

Credit Card Rate Information:

Purchase

Balance Transfer

Cash Advance

Index:

Prime

Margin:

17.74

17.74%

20.74%

APR:

20.99% Variable

23.99% Variable

APR Floor:

None

Intro Rate:

0%

0.00%

N/A

Intro Period:

First 6 billing cycles

N/A

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

24 - 30 days

Default/Penalty APR:

None

Default/Penalty Margin:

N/A

Default/Penalty APR Floor:

None

Maximum Default APR:

Penalty/Default Trigger:

Unknown

Credit Card Fee Information:

Annual Fee:

$0

Foreign Transaction Fee:

2% - 3%

Late Fee:

Over-the-limit Fee:

$0 min.

Balance Transfer Fee:

See Special Notes

Cash Advance Fee:

Notes:

Rebate Description:

1% unlimited cash back. Earn one point for every net dollar spent. Roundtrip airline ticket at 25,000 points. The richest travel, gift certificates, and merchandise rewards. Earn 2,500 first use bonus points, which you can redeem for a $25 statement credit.

Special Notes:

The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater for the first 6 billing cycles. After that, it is either $10 or 4% of the amount of each transfer, whichever is greater. There is a 2% for each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars, and a 3% fee for each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Overlimit fee is None for Signature. The Visa Signature Card "no preset spending limit" means that individual transactions are authorized by Elan Financial Services based on factors such as account history, credit record, and payment resources. Elan Financial Services will preset an upper limit for revolving balances and cash advances. Grace Period: Your due date is 24 - 30 days after the close of each billing cycle. The card company will not charge you interest on purchases if you pay your entire balance by the due date each month.

Card Issued By:

Elan Financial Services for Berkshire Municipal Bank

General Correspondence Address:

PO Box 6354, Fargo, ND, 58125

Card Type:

Visa

Card Class:

Signature

Card Category:

Balance Transfer, Cash Back, Low Interest, Low Intro Rate, Reward

States Available In:

ALL