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TABULAR DISCLOSURE

Annual Percentage Rate (APR)  for Purchases	Visa Classic   8.49% - 15.9% ♦
Other APRs	Cash Advance...8.49% - 15.9% ♦ Balance Transfer...8.49% - 15.9% ♦
Grace Period for Purchases	25 Day
Method of Computing the Balance for Purchases	Average Daily Balance (Including New Purchases)
Annual Fee	None
Minimum Finance Charge	None
Transaction Fee for Purchases	None

Multiple Currency Foreign Transaction Fee…....................1% + Single Currency Foreign Transaction Fee…...................0.8% + Balance Transfer Fee……………......................…………None Late Payment Fee………………………........................ $15.00  * Emergency Card Replacement Fee............................$150.00 Document Copy Fee........................................................ $12.00 NSF Return Check Fee ................................................... $15.00 Pay by Phone Fee ........................................................... $10.00 Card Recovery Fee ......................................................... $65.00

♦ The ANNUAL PERCENTAGE RATE is based on certain credit-worthiness
criteria.

+ of transaction amount

* if 15 or more days late

The information about the costs of the card described in this application is accurate as of 01/2010.  This information may have changed after that date. To find out what may have changed contact the Credit Union.