Malvern Federal Savings Bank Secured Visa 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:

None

N/A

Intro Period:

None

N/A

Finance Calculation Method:

Average Daily Balance

Purchase Grace Period:

24 - 30 days

Default/Penalty APR:

Unknown

Default/Penalty Margin:

Unknown

Default/Penalty APR Floor:

Unknown

Maximum Default APR:

Penalty/Default Trigger:

Unknown

Credit Card Fee Information:

Annual Fee:

$35

Foreign Transaction Fee:

2% - 3%

Late Fee:

Over-the-limit Fee:

Up to $35 max.

Balance Transfer Fee:

See Special Notes

Cash Advance Fee:

See Special Notes

Notes:

Rebate Description:

N/A

Special Notes:

Applicant must be 18 years of age, have a US address, and a Social Security number. A minimum security deposit of $300 is required. Maximum security deposit $5000. Convenience Check Cash Advance Fee: 3% or $5 minimum; Cash Equivalent Fee: 4% or $20 minimum. Foreign Transaction fees vary as follows: 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars; 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency. Balance Transfer fee is either $10 or 4% of the amount of each transfer, whichever is greater. Cash Advance fee is either $10 or 4% of the advance amount, whichever is greater. Grace Period: The due date is 24-30 days after the close of each billing cycle. The card company will charge you interest on purchases if you pay your entire balance by the due date each month.

Card Issued By:

Elan Financial Services for Peoples National Bank

General Correspondence Address:

PO Box 6354, Fargo, ND, 58125

Card Type:

Visa

Card Class:

Secured

Card Category:

Balance Transfer

States Available In:

ALL