The Town of Canton Visa offers you the best of everything. You receive a universally accepted Visa Card with a low fixed rate, no annual fee and a chance to give back to the community. It offers:

• Low Fixed Rate of 9.96% APR*
• No Annual Fee
• Worldwide Acceptance
• 24-Hour Customer Support
• Local Payment Option
• Contributions to Local Charities

Low Fixed Rate
Our everyday low-rate credit card offers you something most creditors don't…..a low fixed rate. It is perfect for both purchases and balance transfers as you'll enjoy special savings with our competitive rate along with the extra security of knowing your rate is fixed. With a fixed rate, you don't have to worry about what's happening in the economy every day. You'll know you're getting a consistently fair interest rate every month.

Support Local Charities
The Town of Canton Visa card also allows you to support local charities while you use it. It was developed in conjunction with the Town of Canton to offer residents and those interested in supporting Canton an opportunity to get a great Visa card while benefiting the town at the same time A portion of all net purchases and net cash advances from this card go to a town-designated agency. Most recently, proceeds from the card contributed $13,000 to the Canton Food Pantry to help local residents in need of food.

In addition, you receive:

• Travel Accident Insurance
• Toll-free travel reservation service
• Bonus travel dividends
• Emergency cash service
• Emergency airline ticket service
• Discounts on car rentals, eyewear and other shopping services
• Automatic car-renter's liability coverage
• Telecommunications card
• Emergency airline ticket service

Our credit cards are locally managed and allow you the option of making payments locally. Request an application for your Town of Canton Visa.

*Annual Percentage Rate effective 8-31-07 and subject to change.

Annual Percentage Rate (APR) for Purchases	9.96%	Method of computing Balance for Purchases: Average Daily Balance Including New Purchases. Grace period for Purchases: 25 Days*
Annual Percentage Rate (APR) for Purchases	9.96%	* A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire new balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire new balance shown on your previous monthly statement within that 25 day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid finance charges.
Other APR's	9.96%
Annual Membership Fee	NONE
Late Payment Fee	The lesser of $10.00 or 10% of the outstanding balance
Over the Limit Fee	$25.00
Cash Advance Fee	3.0% of the amount advanced ($4.00 minimum)
Balance Transfer Fee	3.0% of the amount transferred ($10.00 minimum/$40.00 maximum)