Visa Business with Rewards®

Interest Rates and Interest Charges
Annual Percentage Rate (APR) For Purchases	12.50% fixed
Annual Percentage Rate (APR) For Cash Advances	12.50% fixed
APR for Balance Transfers	12.50% fixed
Penalty APR and When it Applies	None
Minimum Interest Charge	None
Applying Interest	Your due date is at least 21 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/or balance transfers on the transaction date.
For Credit Card Tips From The Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Fees
Annual Fee	None
Document Fee	If a copy of any monthly statement, sales draft or similar document is provided by the bank at your request (other than in connection with billing error inquiries or resolution), a document fee in the amount of $10 will be charged for each copy
Late Payment Fee	If a payment of at least the minimum amount required is not received within 10 days of the payment due date, a Late Payment fee of up to $25 will be charged.
Returned Payment Fee	Up to $25.
Cash Advance Fee	Either $10 or 2% of the amount of each cash advance whichever is greater, to your account each time you obtain a cash advance.
Balance Transfer Fee	Either $10 or 3% of the Balance Transfer amount, whichever is greater.
Processing Fee	If any Access Device used to access the Account or any check or other instrument given for payment on the Account is dishonored for any reason, a processing fee of up to $25 will be charged.
Re-issue Fee	$10
Over-the-Credit Limit	None

How We Will Calculate Your Balance: We use a method called “average daily balance” (excluding new purchases).* An explanation of this method is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your Cardholder Agreement.

ScoreCard Rewards points are earned for qualifying purchases, at (1) Bonus Point in the ScoreCard Program for every $1 dollar of a qualifying credit card purchase. Points can be redeemed for a variety of items, such as merchandise, airfare, hotels, travel packages and more. You will earn points based on your qualifying net purchases. You do not earn points for cash advances. Balance transfers, unauthorized or fraudulent charges or for fees of any kind on your card account. Please see The ScoreCard Rewards Program FAQ’s located at the footer of https://suttonbank.key.credit

The information about the costs of the card described in this application is accurate as of Oct. 31, 2014, when it was printed. This information may have changed after that date. To find out what may have changed, call us at 800-422-3641 or write to us at:

Sutton Bank

PO Box 505

1 South Main St.

Attica, OH 44807

Better Cards.For better business.

Better Cards.
For better business.