Emigrant Savings 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:

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:

N/A

Credit Card Fee Information:

Annual Fee:

$0

Foreign Transaction Fee:

2% - 3%

Late Fee:

Over-the-limit Fee:

$0 min. - $35 max.

Balance Transfer Fee:

See Special Notes

Cash Advance Fee:

See Special Notes

Notes:

Rebate Description:

1% unlimited cash back. Earn one point for every net dollar spent. Or redeem for roundtrip airline ticket at 25,000 points, travel, gift certificates, and merchandise. Earn 2,500 first-use bonus points.

Special Notes:

"No pre-set 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. Payment due date is 24 - 30 days after the close of each billing cycle. Interest will not be charged on purchases if the entire balance is paid by the due date. Fees: Convenience Check Cash Advance either $10 or 4% of the advance amount, whichever is greater; Cash Advance ATM & Cash Advance either $10 or 4%; Cash Equivalent Advance either $20 or 4%. Overdraft Protection $10 (not all products offer overdraft protection). Foreign Transaction Fee: 2% of each foreign purchase transaction or foreign ATM advance transaction in US dollars; or 3% of each foreign purchase transaction or foreign ATM advance transaction in a foreign currency. The late payment fee is $25 the first occurrence and $35 any additional occurrence within 6 months. Returned payment fee is $25. There is no over the limit fee for signature and $35 for select rewards. Balance Transfer fee: Either $5 or 3% of the amount of each transfer, whichever is greater for the first 6 billing cycles. After that, either $10 or 4% of the amount of each transfer, whichever is greater.

Card Issued By:

Elan Financial Services for Emigrant Savings Bank

General Correspondence Address:

PO Box 6354, Fargo, ND, 58125

Card Type:

Visa

Card Class:

Signature

Card Category:

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

States Available In:

ALL