VISA Disclosures

APPLICATION AND SOLICITATION DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for Purchases 9.90% - 15.00%
when you open your account, based on your creditworthiness.

APR for Cash Advances 9.90% - 15.00%
when you open your account, based on your creditworthiness.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
Transaction Fees
- Foreign Transaction Fee

None
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Up to $10.00
Up to $25.00

How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."

Effective Date.
The information about the costs of the card described in this application is accurate as of May 1, 2012.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

OTHER DISCLOSURES

Late Payment Fee $10.00 of amount or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.
Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee $5.00
Document Copy Fee $5.00
Rush Fee $25.00
PIN Replacement Fee $5.00
Card Replacement Fee $10.00

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