Visa Gold Disclosure

Annual Percentage Rate (APR) for purchases

10.05% variable*

Other APRs

Balance Transfer APR: 0.9% through six statement cycles after opening; after that: 10.05% variable*
Cash Advance APR: 15.25% 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 4.8%
Cash Advance APR equals the Prime Rate plus 10%
Purchase APR equals the Prime Rate plus 4.8%

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

Balance transfer Fee:
Annual Fee:
Late Fee:
Over Limit Fee:
Inactive Fee

None
None
$35
$29
$10 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 minimum of 4.8% APR and a maximum rate as determined by law which is currently 18% APR. Variable rates are current as of March 2008.
**
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 minimum of 10% APR and a maximum rate as determined by law which is currently 18% APR. Variable rates are current as of March 2008.

*** Your Purchase, Balance Transfer and Cash Advance APR may increase if your Account becomes 30 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. During the introductory .9% APR period, your Balance Transfer APR may increase to the Purchase APR if you fail to make at least the minimum payment on the due date 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 $10 Inactive Fee.

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We Do Business in Accordance With the Federal Fair Housing Law and the Equal Credit Opportunity Act. Your savings federally insured to at least $100,000 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 $350,000.

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