Effective aso AUGUST 1, 2011 Tan) oxe)ae- jalan k=anntw-lavem @elaleliulo)ars   PLATINUM VISA CREDIT CARD   Interest Rates and Interest Charges Annual Percentage Rate 8 e 90% to 1 8 e 00% APR) for Purchases ( ) when you open your account, based on your creditworthiness. After that, your APR will vary with the Wall Street Journal’s Highest Published Prime. me 8.90% to 18.00% when you open your account, based on your creditworthiness. After that, your APR will vary with the Wall Street Journal’s Highest Published Prime. APR for Cash Advances 8.90% 16 18.00% when you open your account, based on your creditworthiness. After that, your APR will vary with the Wall Street Journal’s Highest Published Prime.       Penalty APR and When It Applies | None   How to Avoid Paying Interest on | Your due date is at least 25 days after the close of each billing cycle. We Purchases will not charge you interest on purchases if you pay your entire balance by the due date each month,     Minimum Interest Charge Not Applicable For Credit Card Tips from the To learn about factors to consider when applying for or using a credit card, Federal Reserve Board visit the website of the Federal Reserve Board at hitp://www.federalreserve.gov/creditcard. Set-up and Maintenance Fees     © Annual None * Account Set-up None ® Participation None * Additional Card None Transaction Fees ® Balance Transfer 2% of the amount of each transfer (maximum fee $50) © Cash Advance 2% of the amount of each cash advance (maximum fee $50) ® Foreign Transaction 1% of each transaction in U.S. Dollars Penalty Fees © Late Payment Up to $25.00 ® Returned Payment Up to $25.00         How We Will Calculate your Balance: We use a method called “average daily balance [including purchases)". See your account agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. The information about the current APR and costs of the VISA credit card described in this disclosure was accurate as of August 1, 2011 and is subject to change after that date. To find out what may have changed, contact us at (763) 544-1517 or (800) 862-1998. wy TRUSTONE FIN AR CIAL   (763) 544-1517 * (800) 862-1998 * www.TruStoneFinancial.org