Visa Type	Classic Visa	Visa Gold
APR for Purchases:	12.50%	10.75%
Grace Period for Repayment of the Balance for Purchases	25 Days	25 Days
Method of Computing the Balance for Purchases:	Average daily balance (including new purchases)	Average daily balance (including new purchases)
Annual Fee:	None	None
Late Fee:	Payments received 10 days after payment due date will be charged 5% of the delinquent amount, maximum of $25.00	Payments received 10 days after payment due date will be charged 5% of the delinquent amount, maximum of $25.00
Transaction Fee for Purchases:	None	None
Minimum Finance Charge:	None	None
Fee for Exceeding Credit Limit:	$15.00 per billing cycle	$15.00 per billing cycle
Security Interest Statement