Business Cash Visa® Credit Card — Rates and Terms

See the rates and terms associated with your FAIRWINDS Business Cash Visa^® Credit Card.

Interest Rates and Interest Charges
*APR for Purchases**	0.00% introductory APR for the first 12 months from date of account opening. After that, your APR will be 18.00% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	0.00% introductory APR for the first 12 months from date of account opening. After that, your APR will be 18.00% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Cash Advances	18.00% This APR will vary with the market based on the Prime Rate.
APR for Non-Performance	18.00% This APR will vary with the market based on the Prime Rate.
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 any 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 Fees	None
Transaction Fees
Cash Advance	4.00% of the amount each cash advance, $10 minimum.
Balance Transfer	None
Foreign Transaction	None
Miscellaneous Fees
Late Payment	$39
Over-the-Credit Limit	$39
Returned Payment	$30

How We Will Calculate Your Balance

We will use a method called "average daily balance (including new purchases)."

Loss of Introductory APR

We may end your introductory APR if you make a late payment.

* APR = Annual Percentage Rate

(1) Your APR for purchases and balance transfers will equal the sum of the Prime Rate as listed in the Money Rates Section of the Eastern edition of The Wall Street Journal on the last business day of each month, plus a margin based upon the cumulative credit history. Changes in the Prime Rate will cause changes in the APR. Changes in the APR as the result of changes in the Prime Rate will be effective on the first day of the next month following one full billing cycle after any change in the Prime Rate. In addition, a margin based upon the cumulative credit history of each Business Person in that, 60 days prior to the stated expiration of the card(s), a review of your account and the credit history of each Business Person will be conducted. We will adjust the APR based upon the lowest Fico credit score of the Fico scores applicable to the Business Persons, as determined and published by Equifax Credit Information Services, Inc. (www.equifax.com). Most recent Fico scores on file as of the review date will be used.

(2) Your APR for cash advances and the non-performance (penalty) APR will equal the sum of the Prime Rate, plus 18.00%, subject to a maximum of the greater of 18.00% APR or the highest APR then permitted by applicable law.

(3) Non-Performance (Penalty) APR: If your Account becomes thirty (30) or more days past due two (2) or more times in a six (6) month period, OR your account becomes sixty (60) days past due, FINANCE CHARGES on your entire balance will be calculated at the Non-Performance (Penalty) APR of the Prime Rate plus 18.00%, subject to a maximum of the greater of 18.00% APR or the highest APR then permitted by applicable law. When you have made six (6) consecutive monthly payments of not less than the required Minimum Payment on or before your monthly due date, your APR will revert to your current available variable APR.

Rates shown in ANNUAL PERCENTAGE RATE above accurate as of 12/01/23. The information may have changed after that date. To find out what may have changed, call us at 407.277.5045 or write us at 3087 N. Alafaya Trail, Orlando, FL 32826. All rates are subject to a maximum of the greater of 18.00% APR or the highest APR then permitted by applicable law.