1) 0.00% Introductory Annual Percentage Rate (APR) for 6 months from account opening. After that, APR will be 11.40% to 17.15% based on credit worthiness. APR will vary with the market based on the Prime Rate. Rates effective 1/1/20. Introductory APR offer available to new Visa Signature accounts opened 1/1/20-12/31/20. See credit card terms and conditions for details. 2)10,000 reward bonus points awarded when cardholder spends $1,000 on their Visa Signature Card within 90 days of opening and may be redeemed for $100 cash back or other merchandise. Cash back option will be deposited into a TruStone Financial checking or savings account. Recipient is responsible for any taxes incurred on cash back. 3)Earn 1.5 reward points for every dollar spent on purchases. See rewards program terms and conditions for details.