CREDIT CARDS

Personal Credit Card
We make it easy to choose the credit card that is right for you, with threecards to choose from. All three cards are available in two options, Low Rate Card or Preferred Points Card. § Visa® Classic§ Visa® Platinum§ Gold MasterCard®
Personal Card – Low Rate Benefits§ Competitive annual percentage rate (APR).*§ 24-hour toll-free live customer assistance available at 800-367-7576.§ Online account information available 24/7 at www.cardaccount.net.§ Rental car collision damage waiver protection.§ Unlike some card offers, the APR* for purchases and cash advances § is the same. We do not charge a higher rate for cash advances.§ If your payment gets to us a day or two late, don’t worry because we§ offer a little extra grace period, helping you avoid a late fee. Features§ No annual fee.§ Low introductory rate for the first six months.*§ Competitive ongoing APR.*§ 25-day interest-free grace period on all purchases. No grace period § on cash advances.§ Cash advances can be made for up to 50% of the credit line. Fees§ Other fees may be charged, these fees are listed on the application.
Personal Card – Preferred Points Benefits§ Use your Preferred Points Card to earn points that you can redeem § for rewards. Earn one point for each dollar spent, up to 10,000 points § per month.§ Redeem your rewards points for cash-back awards, retail gift cards, § travel and a wide variety of merchandise including cameras, mp3§ players, home theater systems, portable DVD players, sporting§ equipment, jewelry, luggage, electronics, video game equipment,§ gift cards and more. A brochure with more details is available at § our local branch office. § 24-hour toll-free live customer assistance available at 800-367-7576.§ Online account information available 24/7 at www.cardaccount.net.§ Rental car collision damage waiver protection.§ Unlike some card offers, the APR* for purchases and cash advances§ is the same. We do not charge a higher rate for cash advances.§ If your payment gets to us a day or two late, don't worry because we § offer a little extra grace period, helping you avoid a late fee. Features§ No annual fee.§ Low introductory rate for first six months.*§ Competitive ongoing APR.*§ 25-day interest-free grace period on all purchases. No grace period § on cash advances.§ Cash advances can be made for up to 50% of the credit line.§ To view or redeem rewards points, visit www.mypreferredpoints.com § or call 866-678-5191. Fees§ Other fees may be charged, these fees are listed on the application.
To Apply Now § Download the application § Type the information and then print the application (you cannot save the document, so print an extra copy for yourself), or print it and then § complete it using a blue or black pen. Paper applications are also § available at our local branch office.§ Fax your completed application to the Card Service Center at § 972-650-7054. Or mail your completed application to:
Card Service Center
PO Box 569120
Dallas, TX 75356-9120*Please see application for information about current APRs and fees.

Business Credit Card
We make it easy to choose the credit card that is right for you. Our Business
Visa® Card is available in two options, Standard Card with no annual fee or the
Preferred Points Card.
Business Card – Standard Card
Benefits§ 24-hour toll-free live customer
assistance available at 800-367-7576.§ Online account information available 24/7 at
www.cardaccount.net.§ Rental car collision damage waiver protection.
Features§ No annual fee.§ Competitive ongoing APR.*
§ 25-day interest-free grace period on all purchases. No grace period
on cash advances.§ Individual and summary billing options.
Fees§ Other fees may be charged, these fees are listed on the application.
Business Card – Preferred Points
Benefits
§ Use your Preferred Points Card to earn points that you can redeem
for rewards. Earn one point for each dollar spent, up to 10,000 points
per month.
§ Redeem your rewards points for cash-back awards, retail gift cards,
travel and a wide variety of merchandise including cameras, mp3 players,
home theater systems, portable DVD players, sporting equipment, jewelry,
luggage, electronics, video game equipment, gift cards and more. A
brochure with more details is available at our local branch office.§ 24-hour
toll-free live customer assistance available at 800-367-7576.
Online account information available 24/7 at www.cardaccount.net.
Rental car collision damage waiver protection.
Features§ Low annual fee of $49.00 per account.§ Low introductory rate for
first six months.*§ Competitive ongoing APR.*
§ 25-day interest-free grace period on all purchases. No grace period
on cash advances.
§ To view or redeem rewards points, visit www.mypreferredpoints.com
or call 866-678-5191.§ Individual billing option only.
Fees§ Other fees may be charged, these fees are listed on the application.
To Apply Now
§ Download the application
§ Type the information and then print the application (you cannot save the
document, so print an extra copy for yourself), or print it and
complete it using a blue or black pen.
§ Supporting documents vary depending on the type of business you
have. See chart below.§ Fax your completed application to the Card Service
Center at 972-650-7054. Or mail your completed application to:

Card Service Center
PO Box 569120
Dallas, TX 75356-9120*Please see application for information about current APRs and fees.