20 0z -o a; 0 2 0 E a) i0 V -5 (A -Q 0 a) CU CU v)0 00 C0 a) ..Z +J 0 C 0 0 Ln, a) M LLu- D < >n a)dV CU ,- > Au .4-, L..L 0CU C 0C0 CUH 0a 0 H Q v CU s 0 Co-i UC 3o v V, C- C - J a 4-JU S3hVILS 03IINfl 3H1 NI AHVSS303N 3]VISOd ON 30 'NOI9NIWIIM I.I It ON IIVWaHd -IIVv' SSV-Io Jisuli 1IVAJ Ad3b SS3NISflE I__11 2O66-588613 BO UOtbU!LUI!M 1-998 X08 O0d - 0 . -- OXco V 4 0 c5 0 4 0 0 J0 0c~ 00 0 0-0 -00v roc 0vN >r- 0 t FOLD HERE I Terms and Conditions for Visa® Classic Accounts ANNUAL GRACE PERIOD FOR REPAYMENT ANNUAL MINIMUM METHOD OF COMPUTING THE PERCENTAGE RATE OF BALANCE FOR PURCHASES FEE FINANCE CHARGE BALANCE FOR PURCHASES A 7.9% fixed introductory rate until 25 days from the periodic statement None $.50 in any month that Two Cycle Average Daily the first day of your billing cycle (provided that you have paid your a finance charge is Balance Method (including that includes January 1,1996; a previous balance in full by the due date). payable. new purchases). 16.99% fixed rate thereafter. H U) D Fee for Convenience Checks: None. Transaction Fee for ATM and bank cash advances: 2% of the amount of the advance, but not less than $5. Late Payment Fee: $18. Over-the-Credit-Limit Fee: $18. Returned Check Fee: $18. For residents of California, the Late Payment, Over-the-Credit-Limit and Returned Check Fees are $10 each. The grace period does not apply to cash advances. Your Visa Classic account will be governed by the terms of the First USA Bank Cardmember Agreement that will be sent to you with your card(s). The terms of your account are subject to change as provided in your Cardmember Agreement. First USA reserves the right to change the benefit features associated with your card at any time. You agree that First USA Bank has the right to obtain a current credit report in connection with First USA Bank's review of your application and subsequently in connection with a requested charge to your account, the renewal of your account or a change in your credit line. Upon your request we will tell you the name and address of each consumer reporting agency from which we obtained a consumer report on you. Important Information About Transferring Balances You may transfer a balance from any current Visa', MasterCard, Discover, or Optima" account. Please fill in the exact amount of the balance you wish to transfer even if you wish to transfer your entire balance. There's no transfer fee, and we take care of all of the paperwork. Making a transfer is just like making a purchase; it will appear on your first statement and reduce your available credit. Your other Visa, MasterCard, Discover or Optima account will show a credit, and the amount you owe will be reduced by the amount you transferred. Your other account will not be closed, even if you transfer your entire balance. If you want to close your other account, please contact that credit card company directly. It may take up to three weeks to set up your account and post the balance transfer transaction to your other account. Therefore, you may still need to make a payment on your other account to keep it current. Balance Transfer is contingent upon approval of your new Visa account. First USA reserves the right to decline to process any balance transfer request and will not process a balance transfer request from any other First USA account.