Visa Gold Disclosure

Annual Percentage Rate (APR) for purchases

10.99% variable*

Other APRs

Introductory Balance Transfer APR: 0.9% through six statement cycles after account opening; after that, remaining balance moves to standard rate in effect for purchases, currently 10.99% variable
Balance Transfer APR: 5.99% variable**
Cash Advance APR: 15.00% variable*
Default APR: 18% See explanation below***

Variable Rate Information

The following APRs may vary monthly based on Prime Rate:
Balance transfer APR equals the Prime Rate plus:

2.74% (A+ rating)

2.74% (A rating)

5.74% (B rating)

Cash Advance APR equals the Prime Rate plus:

11.75% (A+ rating)

11.75% (A rating)

14.00% (B rating)

14.00% (C rating)

Purchase APR equals the Prime Rate plus:

7.74% (A+ rating)

9.74% (A rating)

12.74% (B rating)

14.24% (C rating)

Grace period for repayment of purchases balances

Not less than 23 days

Method of computing the balance for purchases

Average Daily Balance, including current purchases

Minimum Finance Charge Per Balance Category: $.50

Balance transfer Fee:
Annual Fee:
Late Fee:
Inactive Fee

None
None
$35
$15 Ŧ

Cash Advance Fee

3% of the advance ($5 min/$50 max. per advance)

We may change the APRs, fees, and other terms of your account at any time in accordance with applicable law.
* The Prime Rate used to determine your APR is the Prime Rate published in The Wall Street Journal on the first business day following the 20th of the calendar month, subject to a maximum rate as determined by law which is currently 18% APR. Variable rates are current as of February 2010.

** Balance Transfer APR is the rate granted for balance transfers initiated after the six month introductory period. This APR is granted for six billing periods after the date the balance transfer is posted to your account. At the end of these six billing periods, remaining balance moves to standard rate in effect for purchases, currently 10.99% variable.

*** Your Purchase, Balance Transfer and Cash Advance APR may increase if your Account becomes 60 or more days late in making the minimum monthly payment when due as shown on your billing statement for any billing cycle in which a payment is owed.

Ŧ Should your account have no transaction activity (which posts a balance) for six consecutive billing cycles; the account is subject to a $15 Inactive Fee.

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General Fees

We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Your savings is also insured up to an additional $250,000 by Excess Share Insurance, for a total of $500,000.