Provident: Visa Platinum Terms

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Interest Rate and Interest Charges (Effective February 17, 2012)
Annual Percentage Rate (APR) for Purchases — Standard	10.15% or 10.65% introductory APR for 6 months; based on your credit worthiness. After that your APR will be 12.65% to 13.15% when you open your account based on your credit worthiness.
Annual Percentage Rate (APR) for Purchases — Mortgage Relationship	6.65% introductory APR for 6 months. After that your APR will be 9.65%.^†
Annual Percentage Rate (APR) for Purchases — Other Relationship	8.65% introductory APR for 6 months. After that your APR will be 10.65%.^†
APR for Balance Transfers	9.9%.^‡
APR for Cash Advances — Standard	12.65% to 13.15% when you open your account based on your credit worthiness.
APR for Cash Advances — Mortgage Relationship	9.65%
APR for Cash Advances — Other Relationship	10.65%
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $.50.
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees
Transaction Fees Cash Advance	Either $4.00 or 2% of the amount of each cash advance, whichever is greater.
Foreign Transaction	2% of each transaction in US dollars.
Penalty Fees Late Payment	$15.00
Returned Payment	$15.00

Done

† Credit union deposit(s) or loans are necessary to receive relationship pricing and may be subject to a change in the regular Annual Percentage Rate should the relationship change.

‡ APR for Balance Transfers is a fixed rate for Balance Transfers from other lenders. Payments will be applied first to the portion of your balance with the lowest APR. Payment amounts in excess of the minimum monthly payment will be applied to the portion of your balance with the highest APR.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement for more details.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.

The maximum unsecured credit allowed per membership, including Visa, VIP, and unsecured loans, is $10,000. Minimum Visa Platinum credit limit amount is $5,000.00.

Account Agreement

Rates, Fees, and Terms