Belco Community Credit Union

449 Eisenhower Boulevard, Suite 200
Harrisburg, PA 17111-2302

Harrisburg Area: (717) 232-3526
Lancaster Area: (717) 393-1116
Toll Free: (800) 642-4482

TRUTH-IN-LENDING DISCLOSURE
STATEMENT - ACCOUNT OPENING DISCLOSURES

BORROWER 1 NAME

BORROWER 2 NAME

ACCOUNT NUMBER

DATE

The  following  disclosure  represents  important  details  concerning  your  credit  card.  This  statement  is  incorporated  into  and
becomes  a  part  of  your  Credit  Card Agreement.  We reserve  the  right  to  periodically  review  your  credit  standing  and  to
increase any rate on your new balances, in accordance with applicable law.

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate (APR)
for Purchases, Cash Advances,
& Balance Transfers

N/A %

Introductory APR for one year.

After that, your Standard APR will be

11.99%

Paying Interest

Your due date is at least 21 days after we mail your billing statement. We will not charge
you interest on purchases if you pay your entire new purchase balance by the due date
each month. We will begin charging interest on cash advances and balance transfers
on the transaction date.

Minimum Interest Charge

None

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 website of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard

FEES:

Fees to Open or Maintain your
Account

- Annual Fee:
- Application Fee:

None
None

Transaction Fees

- Balance Transfer:
- Cash Advance:
- Foreign Transaction:

Penalty Fees

- Late Payment:
- Over-the-Credit Limit:
- Returned Payment:

None
None
1% of each transaction in U.S. dollars if the transaction involves a currency conversion
1% of each transaction in U.S. dollars if the transaction does not involve a currency
conversion

Up to $25.00 if your payment is late 30 days or more.
Up to $25.00 if you exceed your credit limit
Up to $25.00 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your
account agreement for more details.

Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a
late payment.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account
agreement.

SEE NEXT PAGE for more important information about this account

9010 LASER VELOCITY FI14412 Rev 10-2011

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

OTHER IMPORTANT DISCLOSURES:

SECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH
US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE
SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE.
Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given are not
subject to this security interest.

If you have other loans with us, collateral securing such loans may also secure your obligations under this Agreement, unless that other collateral is your
principal residence or non-purchase money household goods.

Daily Periodic Rates:

Introductory Rate:

N/A %; Purchases, Cash Advances, and Balance Transfers:

11.99%

Other Fees: In addition to the fees disclosed above, the following fees may be imposed:
Card Replacement Fee:
Rush Card Fee:
Sales Draft Copy Fee:
Statement Copy Fee:

$5.00
$45.00 per card
$6.00 each
$2.00 per page

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