IMPORTANT INFORMATION ABOUT ACCOUNT-OPENING PROCEDURES: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. This means that, when you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Summary Of Visa Account Terms

Interest Rates and Interest Charges	Rewards and Non-Rewards Credit Cards
Annual Percentage Rate (APR) for Purchases	14.99% - 24.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate
APR for Balance Transfers	0% Introductory APR for transfers made within 6 months of account opening for 13 billing cycles from the date of the first transfer. After that, your APR will be 14.99% - 24.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	19.99% - 29.99% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
Penalty APR and When It Applies	None
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	None
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
Transaction Fees
• Balance Transfer	Either 3% of the amount of each transfer or $5 minimum, whichever is greater
• Cash Advance	Either 3% of the amount of each advance or $5 minimum, whichever is greater (maximum fee $150)
• Convenience Check Cash Advance1	Either 3% of the amount of each advance or $5 minimum, whichever is greater
Penalty Fees
• Late Payment	Up to $35
• Returned Payment	Up to $30
• Overlimit	NONE
Card Fees
• Additional Card	$10 each (if applicable)
• Expedited mailing of Card	$45 per mailing

¹Not all products receive Convenience Checks.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your Cardmember Agreement for further information regarding how we calculate your balance.

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

Loss of Introductory APR: We may end your introductory APR if you become late in paying your bill.

Contact For Updates: The information about the costs of the card described in this application is accurate as of September 23, 2024. This information may have changed after that date. To find out what may have changed, call us at 920-485-7311 or write us at Horicon Bank, 326 E. Lake Street, P.O. Box 144, Horicon, Wisconsin 53032.

Right to Change Terms: We may change APRs, fees and other Account terms in the future based on your experience with Horicon Bank and its affiliates as provided under the Cardmember Agreement and applicable law.

How We Apply Your Payments: We apply your minimum payment to balances with lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.

How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money Rates section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your billing statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate. More information is available in the Cardmember Agreement.

Prime Rate: Variable APRs are based on the 8.00% Prime Rate as of September 23, 2024.

Purchase APR: For Purchase transactions, we add a Margin of 6.99% - 16.99%, based on your creditworthiness at time of account opening, to the Prime Rate of 8.00%. The Purchase APR may increase or decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 27.99%. The Monthly periodic rate of FINANCE CHARGES will be no less than 0.97833% and no greater than 2.3325%.

Balance Transfer APR: For Balance Transfer transactions, we add a Margin of 6.99% - 16.99%, based on your creditworthiness at time of account opening, to the Prime Rate of 8.00%. The Balance Transfer APR may increase or decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 27.99%. The Monthly periodic rate of FINANCE CHARGES will be no less than 0.97833% and no greater than 2.3325%.

Cash APR: For Cash transactions, we add a Margin of 11.99% - 21.99%, based on your creditworthiness at time of account opening, to the Prime Rate of 8.00%. The Cash APR may increase or decrease each month if the Prime Rate changes, but will not exceed the maximum rate of 32.99%. The Monthly periodic rate of FINANCE CHARGES will be no less than 1.395% and no greater than 2.74917%.

Notice to New York Residents: You may contact the New York State Department of Financial Services by telephone at (800) 342-3736 or visit its website at www.dfs.ny.gov for free information on comparative credit card rates, fees and interest-free periods.

Notice to Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement under section 766.59 of the Wisconsin statutes or court decree under section 766.70, adversely affects our interest unless we, prior to the time the credit is granted or an open-end credit plan is entered into, are furnished a copy of the agreement, decree or court order, or have actual knowledge of the adverse provisions. IF YOU ARE A MARRIED WISCONSIN RESIDENT, CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED IN THE INTEREST OF YOUR MARRIAGE OR FAMILY.

Notice to California Residents: An applicant, if married, may apply for a separate Account.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Rewards Program Rules: Rewards account holders (“You” or “Your”) earn one (1) Bonus Point (“Point(s)”) in the rewards program (“Program”) for every $1 dollar of a qualifying credit card purchase. A qualifying purchase shall mean: (i) a transaction that is charged to an eligible credit card account covered by the Program, and (ii) a transaction that appears on Your statement during the Program period. Points are deducted for returns. No Points are earned for finance charges, fees, cash advances, convenience checks, ATM withdrawals or insurance charges posted to Your Account. Account must be open and in good standing to earn and redeem rewards and benefits. Certain restrictions apply and the Program may be amended from time to time. Contact Horicon Bank for full details on the Program and to find out what may have changed. Rewards can be redeemed for statement credit, gift cards, and other items. Rewards Program Rules and frequently asked questions are available to cardholders by logging into https://www.scorecardrewards.com. Rewards are administered by a third party.

The creditor and issuer of these credit cards is Horicon Bank, pursuant to a license from Visa U.S.A. Inc.

Last Modified: September 2024