In today's market, small businesses are looking for ways to take control of their finances. At Bank of Cleveland we have found a convenient way for small businesses to keep an eye on their bottom line - Bank of Cleveland's Visa Business Credit Card.

• Companies can assign individual credit lines to each cardmember for easier and more accurate record keeping.
• Your company also has flexible repayment terms enabling you to pay in full each month, make minimum payments or pay any amount in between.

For an application or more information about Business Credit Cards, please call 478-8414 or email at boc@bankofcleveland.com.

Features

• Revolving unsecured line of credit
• Interest rate (APR):
  Variable rate of Prime + 7.9%
  Interest rate does not change for cash advances
• Annual fee $30.00 for up to 3 cards, $10.00 per card for each additional card
• 25-day grace period on purchases, no grace period on cash advances
• Minimum payment is 3% of outstanding balance
• Payment Options - Consolidated of Individual Payments
• Repayment Options -
  pay full balance in full each month with no finance charge
  maintain balance from month to month
• Other fees:
  $25.00 late payment fee
  $25.00 over-credit-limit fee
• Transaction fee for cash advances:
  2.5% of advance
  $2.50 minimum
• Report Options - Monthly, Quarterly or Annually Reports of where the cards are being used
• Cash Advances available through banks and ATMs worldwide (CIRRUS logo)
• Automatic payment - payment can be debited from checking or savings account
• 23 Hour Account Access - obtain balance, available credit and last payment date 24 hours a day,
  7 days a week
• Free initial balance transfer
• Replacement cards free if a card is lost or stolen
• All MasterCard Business Card Enhancements
• MasterRental Insurance Coverage
• MasterPurchase Retail Protection
• Master Travel Assistance
• MasterAssist Medical Protection
• MasterRoad Assist Roadside Service
• MasterLegal Referral Service