Visa^® Signature & Visa Rewards Credit Card Rates and Fees

INTEREST RATES AND INTEREST CHARGES	VISA^®SIGNATURE & REWARDS CREDIT CARD
Annual Percentage Rate(APR) for Purchases	18.40% the APR will vary based on the Prime Rate
APR for Balance Transfers	0.00% introductory APR for 3 billing cycles on Balance Transfers completed within 3 months of account opening. After that, Your APR will be 18.40%. This APR will vary based on Prime Rate.
APR for Cash Advances	21.00% the APR will vary 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 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 balance transfers on the transaction date
Minimum Interest Charge/Minimum 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 www.consumerfinance.gov/learn
FEES	VISA^® SIGNATURE & REWARDS CREDIT CARD
Annual Fee	NONE
Transactional Fees - Balance Transfer - Cash Advance	3% of the amount of each transfer, minimum fee $10 3% (of the amount of each cash advance, minimum fee $10
Penalty Fees - Late Payment - Over-the-Credit-Limit - Returned Payment	Up to $35 NONE Up to $32

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” Refer to the corresponding account agreement for more details.

Billing Rights: Information on your right to dispute transactions and how to exercise those rights is provided in your account agreement.

Variable Rate Information: The APR will vary monthly based on the Prime rate for the U.S. published in The Wall Street Journal Money Rates section on the tenth (10th) day of each month and is computed by adding 14.65% for purchases and balance transfers and 19.65% for cash advances to the Prime rate. Rate will not exceed 21%. The information about the costs of the cards described above is accurate as of 1/26/26.

This information is subject to change. To receive the most up to date information, write to us at BankPlus, Card Services Department, P.O. Box 1830, Covington, LA 70434-1830 or call us at 888-811-PLUS (7587).

1 Covers U.S.-issued cards only. Does not apply to ATM transactions, certain commercial card transactions, PIN or other transactions not processed by Visa. You must notify us immediately of any unauthorized use.
2 Qualified purchases include VISA signature-based transactions, including online and other purchases where no PIN is required. Exclusions include; gaming related purchases, cash advances, balance transfers and PIN based transactions. Points expire after three years on a monthly basis. Other restrictions may apply.
3.To receive 10,000 bonus points, you must use your BankPlus Visa® Rewards Credit Card and spend $2,500 on qualifying purchases within the first 90 days from account opening.

Limit of one (1) reward promotional offer per relationship. If a consumer has a joint card holder, purchases from all cards count toward the $2,500 qualifying spend limit, but only one (1) bonus will be paid. Once you qualify for this bonus, we will apply it to your rewards balance within 65 days. Existing or previous cardmembers are not eligible for this promotion.
BankPlus reserves the right to disqualify any cardholder from participating in the program and to invalidate all points for fraud or program abuse.
Once the account is closed, points will be immediately forfeited and cannot be credited or redeemed.

4. Standard rates and fees from your wireless carrier may apply.
5 For details visit http://usa.visa.com/personal/card-benefits/credit-card/index.jsp.

Visa® Signature & Visa Rewards Credit Card Rates and Fees

Visa^® Signature & Visa Rewards Credit Card Rates and Fees