1 The Employee, Preferred Points, and Low Rate consumer products include Mastercard Platinum and Visa Platinum cards; World card is only available for Mastercard and includes Preferred Points rewards. The Standard and Preferred Points business products include Mastercard and Visa Business cards.
2 After the introductory rate, the Annual Percentage Rate (APR) will vary based on changes in the Index, the Prime Rate (the base rate on corporate loans posted by at least 70% of the ten largest U.S. banks) published in the Wall Street Journal. The Index will be adjusted on the 25th day of each month or the business day preceding the 25th day if that day falls on a weekend or a holiday recognized by the Board of Governors of the Federal Reserve System. Changes in the Index will take effect beginning with the first billing cycle in the month following a change in the Index. Increases or decreases in the Index will cause the APR and periodic rate to fluctuate, resulting in increased or decreased Interest Charges on the Account. The Account will never have an APR over 21%.
3 Additional information about Mastercard and Visa cardholder benefits are provided on TIB Benefits Charts.