| Smart Choice: | For the consumer who wants a credit card for unexpected expenses or larger purchases. Both Mastercard® and Visa® available with approved credit |
| Interest: | Introductory Rate for first 6 months and then the rate switches to New York Prime plus 4.0% Annual Percentage Rate |
| Terms: | No Annual Fee 25 day grace period on purchases. No grace period for cash advances or cash equivalent transactions. Online account access and management available. Go to www.cardaccountaccess.net |