Orchard Bank Platinum MasterCard® issued by Orchard Bank

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Card Category	Credit History	Available Rewards
Consumer	Bad/No	Miles Cash Points

About Card • Enjoy the prestige of a Gold MasterCard • Receive Gold card privileges and benefits • Great credit card to strengthen or rebuild your credit • Reports to all 3 credit bureaus monthly, which can help improve your credit score • Free Online 24-hour Account Access and Bill Pay • Periodic credit limit increases

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Credit Card Rates

Purchases:			Balance Transfers:			Cash Advances:
Introductory APR:	none		Introductory APR:	none		Introductory APR:	none
Introductory Period:	none		Introductory Period:	none		Introductory Period:	none
Ongoing APR:	9.9%		Ongoing APR:	9.9%		Ongoing APR:	22.74%
Default APR:	n/a		Default APR:	n/a		Default APR:	28.74%
Minimum Grace Period:	25 days		Minimum Grace Period:	none		Minimum Grace Period:	none
Minimum Finance Charge:	$0.50		Minimum Finance Charge:	$0.50		Minimum Finance Charge:	$0.50

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Credit Card Transaction Fees

Balance Transfer Fees:			Cash Advance Fees:			Foreign Exchange Fees:
Minimum:	n/a		Minimum:	$5		Minimum:	none
Fee Rate:	n/a		Fee Rate:	5%		Fee Rate:	2%
Maximum:	n/a		Maximum:	none		Maximum:	none

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Credit Card Other Fees

Initial Fees:			Maintenance Fees:			Penalty Fees:
Setup Fee:	$0		Annual Fee:	$39		Late Payment Fee:	$30

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$39-$69



for Orchard Bank Platinum MasterCard®