Canandaigua National Bank & Trust 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 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:

Balance Transfer Fee:

See Special Notes

Cash Advance Fee:

See Special Notes

Notes:

Rebate Description:

N/A

Special Notes:

Your due date is at least 21 days after the close of each billing cycle. The card company will not charge you any interest on purchases if you pay your entire balance by the due date each month. Late payment fee is up to $35. Returned payment fee is up to $35. Balance Transfer Fees: Either $10 or 3% of the amount of each transfer, whichever is greater, for 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 is either $15 or 5% of the amount of each cash advance, whichever is greater.

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