h.  A guardian, conservator, receiver, custodian or trustee is appointed for  after hours/weekends at 1-866-839-3485 or 727-570-4881 (overseas only)  You must notify us of any potential errors in writing.  You may call us, but 
       you;                             or via our website (www.nwfcu.org), or by writing to: Northwest Federal  if you do we are not required to investigate any potential errors and you 
      i. You are generally not paying your debts as they become due; or  Credit Union, Attention: Card Services Department, P.O. Box 1229, Herndon,  may have to pay the amount in question.
      j. There has been a material adverse change in your ?nancial standing.  Virginia 20172-1229.  You will not be held liable for the unauthorized use of  While we investigate whether or not there has been an error, the following  Credit Card Agreement
                                        your account. 
      15. Consent To Recover Delinquent Payments From Accounts.            are true:
                                        22. Lost Or Stolen Cards. You agree to notify us immediately if your Card 
      a.  In consideration for and as a condition of the Credit Union issuing a  �  We cannot try to collect the amount in question, or report you as delin-
                                        is ever lost or stolen or if unauthorized use may occur. You agree to assist 
       Card(s) to you, you agree that if you fail to make your required payments  quent on that amount.                     and
                                        us in determining the facts, circumstances, and other pertinent information 
       the Credit Union can take any monies on deposit at the Credit Union in  �  The charge in question may remain on your statement, and we may con-
                                        relating to any loss, theft, or possible unauthorized use of your Card(s) and 
       which you have an interest to recover all or part of your delinquent debt  tinue to charge you interest on that amount. But, if we determine that we 
                                        to comply with such procedures as we may require in connection with our 
       without advance notice to you and without waiving other rights we have  made a mistake, you will not have to pay the amount in question or any  Disclosure Statement
                                        investigation. We will send you a new Card with a new account number to 
       to collect what you owe. This consent is not a pledge of any shares and  interest or other fees related to that amount.
                                        replace the Card that was lost or stolen. Although you will be issued a new 
       will not affect your right to withdraw shares prior to our exercise of our  �  While you do not have to pay the amount in question, you are responsible 
                                        account number, you will not be considered to have opened a new account, 
       rights following your payment default. This consent applies to all funds  for the remainder of your balance.
                                        and any existing balance will be transferred to the replacement account. 
       you voluntarily deposit to Credit Union accounts, including funds such  � We can apply any unpaid amount against your credit limit.
       as Social Security direct deposit that are normally exempt from creditors�  23. Foreign Transactions. Purchases and cash advances made with Visa 
       remedies (this does not include your Individual Retirement, KEOGH or  and MasterCard outside of the United States and its territories may incur  26. Your Rights If You Are Dissatis?ed With Your Credit Card Purchases.  
                                                                           If you are dissatis?ed with the goods or services that you have purchased 
       SEPP account). You understand that we will never require you to deposit  an international transaction fee. This fee, which is up to one percentage 
                                                                           with your Card, and you have tried in good faith to correct the problem with 
       exempt funds to Credit Union accounts.  point (1%) of the transaction amount, is assessed by Visa and MasterCard. 
                                        The Credit Union, as Card issuer, does not assess an additional international  the merchant, you may have the right not to pay the remaining amount due 
      b.  For Cards secured by Shares, an amount equal to 100% of your credit limit 
                                        transaction fee.                   on the purchase.
       is held in your Regular Share Account as collateral for your credit. If you 
                                        Visa. If you engage in a transaction in a currency other than U.S. dollars  To use this right, all of the following must be true:
       give the Credit Union a speci?c pledge of shares by signing a separate 
                                        using a Visa Card, Visa International will convert the charge into a U.S.  1.  The purchase must have been made in your home state or within 100 
       pledge of shares, your pledged shares will secure your Account. You may 
       not withdraw amounts that have been speci?cally pledged to secure your  dollar amount. The exchange rate between the transaction currency and the  miles of your current mailing address, and the purchase price must have 
                                        billing currency used for processing international transactions is either (a) a  been more than $50. (Note: Neither of these are necessary if your pur-
       Account until the Credit Union agrees to release all or part of the pledged 
       amount. If you default in your payments under this Agreement, we have  rate selected by Visa from the range of rates available in wholesale currency  chase was based on an advertisement we mailed to you, or if we own the 
                                        markets for the applicable central processing date, which rate may vary  company that sold you the goods or services.)
       the right to apply the amount speci?cally pledged to pay off this account 
       in full or in part.              from the rate Visa itself receives, or (b) the government mandated rate in  2.  You must have used your Card for the purchase. Purchases made with 
                                        effect for the applicable central processing date. The currency conversion  cash advances from an ATM or with a check that accesses your Card  
      c.  The security interests in this section apply even if your Card(s) is other-
                                        rate for the processing date may differ from the rate in effect on the date  account do not qualify.
       wise designated �secured� or �unsecured.� 
                                        of the transaction or the date the transaction is posted to your billing  3.  You must not yet have fully paid for the purchase.
      16. Attorneys� Fees. You agree to pay all costs incurred by us in collecting  statement. 
      your indebtedness or in enforcing this agreement including attorney�s fees  If all of the criteria above are met and you are still dissatis?ed with the 
                                        MasterCard.  If you effect a transaction with your MasterCard Card in a 
      and costs, as well as those costs, expenses and attorney�s fees incurred in  purchase, contact us in writing at:
                                        currency other than U.S. dollars, MasterCard International Incorporated 
      appellate, bankruptcy and post-judgment proceedings, except to the extent  Northwest Federal Credit Union
                                        (�MasterCard�) will convert the charge into U.S. dollars using its currency 
      such costs, fees or expenses are prohibited by law.                  ATTN: Card Services Department
                                        conversion procedure. Currently, the currency conversion rate used by 
      17. Returns and Adjustments. Merchants and others who honor the Card  P.O. Box 1229
                                        MasterCard for such transactions is generally either a government mandated 
      may give credit for returns or adjustments, and they will do so by sending  Herndon, VA 20172-1229
                                        rate or a wholesale rate determined by MasterCard for the processing cycle 
      us a credit slip, which we will post to your account. If your credits and pay- While we investigate, the same rules apply to the disputed amount as dis-
                                        in which the transaction is processed. The currency conversion rate used 
      ments exceed what you owe us, we will hold and apply this credit balance  cussed above. After we ?nish our investigation, we will tell you our  
                                        by MasterCard for processing date may differ from the rate in effect on the 
      against future purchases and cash advances, or if it is $1.00 or more, refund  decision. At that point, if we think you owe an amount and you do not pay 
                                        date of the transaction or the date the transaction is posted to your billing 
      it on your written request or automatically after 3 months.          we may report you as delinquent.
                                        statement. 
      18. Plan Merchant Disputes. We are not liable for the refusal of any plan  27. Change Of Name, Address, Or Telephone Number(s). You are respon-
                                        24. Effect of Agreement and Amendments. This Agreement governs all 
      merchant or ?nancial institution to honor your Card.                 sible for promptly notifying us of a change in your name, address (including 
                                        transactions on your account even though the sales, cash advance, credit, or 
      19. Additional Bene?ts/Card Enhancements. The Credit Union may       the e-mail address(es) you use for online banking with us and any other 
                                        other slips you sign or receive may contain different terms. We may amend 
      from time to time offer additional services to your Account, such as travel  e-mail address(es) at which you agree to be contacted), or telephone 
                                        or change this Agreement, including rates, at any time. If we do so, we will 
      accident insurance, discontinue any credit service, or replace your Card with  number(s)(including any wireless telephone number(s)). 
                                        notify you in writing in accordance with the applicable law. However, we 
      another Card at no additional cost to you. You understand that the Credit  may reduce charges, fees and rates without sending you an advance notice.  28. Inactivity. Cards unused and or idle for twelve (12) months or more 
      Union is not obligated to offer such services and may withdraw or change  Except as limited by applicable law, any amendment will apply to all then  with a zero (0) balance will automatically be closed. Should that occur an 
      them at any time.                 outstanding unpaid indebtedness arising from the use of your Card prior to  application and credit approval would be required to establish a new Card 
      20. Use of Card for Illegal or Risky Transactions. You agree that you will  the effective date of the amendment. Any such amendment will not require  account. 
      not use or allow others to use your Card(s) for illegal transactions such as  your written consent, but your consent (if required by applicable law) 
      illegal online gambling. The Credit Union may refuse to honor any transac- may be evidenced by your use of the Card after we give you notice of the 
      tion we reasonably believe to be illegal. However, ultimate responsibility for  amendment. 
      determining the legality of transactions for which your Card is used rests  25. What To Do If You Think You Find A Mistake On Your Statement. If 
      with you, not with the Credit Union. You agree to hold us harmless for any  you think there is an error on your statement, write to us at:
      damages or other liability arising from a transaction initiated by you or your  Northwest Federal Credit Union
      authorized user for the purpose of conducting an illegal activity, includ- ATTN: Card Services Department
      ing but not limited to, internet gambling or interstate sports betting. We  P.O. Box 1229
      reserve the right to decline authorization of transactions for activities we  Herndon, VA 20172-1229
      believe may violate law or pose signi?cant risk to our members or us. You 
                                        In your letter, give us the following information:
      cannot use the actual or alleged illegality of a transaction for which autho-
      rized use of your account was made as a defense to your obligation to pay.  � Account information: Your name and account number.
      21. Liability for Unauthorized Use. If you believe that your Card may  � Dollar amount: The dollar amount of the suspected error.
      have been lost or stolen or that your account number may have been used  �  Description of Problem: If you think there is an error on your bill, describe 
      without your authorization you must notify us immediately at:  what you believe is wrong and why you believe it is a mistake. All information about the VISA and MasterCard Cards described in this 
      1-800-336-3384 x6006 during regular business hours (7:30am-7:00pm) or  You must contact us within 60 days after the error appeared on your statement. disclosure is current as of 7/2010. Subject to change without notice.
                                                                                                   GAM (8/2010) 3M Your Lifetime Financial Partner
      In this Agreement the words �you� and �your� mean each and all of those  credit limit, and you agree that you are liable for any such transactions as  add a Margin and divide that number by 12 to arrive at the periodic rate.  9. Share Savings Account Required. All applicants and co-applicants on 
      signing, using or having a credit Card account with Northwest Federal Credit  well as interest. If you make a transaction that would cause you to exceed  For example, if the index rate were 10.0% and the margin were 3.75%, the  a credit card account must have an open share savings account that carries 
      Union, referred to as �we� and �us� or �Credit Union�. The �Card� means  your total credit limit we may (1) authorize the transaction without increas- Periodic Rate for that billing cycle would be 1.1458% (10.0% plus 3.75%  a par share balance. You must continue to be a member of the Credit Union 
      any credit Card issued to you or those designated by you under the terms  ing your total credit limit; (2) authorize the transaction without increasing  divided by 12). A periodic rate of 1.1458% corresponds to an ANNUAL  and comply with the basic share account requirements to maintain eligibil-
      of this Agreement. �Use of the Card� means any procedures used by you, or  your total credit limit and treat that amount as immediately due, or (3)  PERCENTAGE RATE of 13.75%. The margin is based on an evaluation of your  ity for this Account. You may close your Account at any time by notifying 
      someone authorized by you, to make a purchase or obtain a cash advance  deny authorization. If the authorization is denied we may notify the person  credit history and may be reviewed and adjusted annually. The Annual Per- us in writing and returning all Cards cut in half. 
      whether or not the purchase or advance is evidenced by a signed written  who attempted the transaction that it has been refused. If we authorize a  centage Rate will not be higher than 18.00%, regardless of the index rate. 10. Overdraft Protection Advances. Overdraft protection advances will 
      document. Virginia law will be used to interpret this Agreement unless  transaction that causes your account to exceed its credit limit, it does not 
                                                                           VISA Platinum Periodic Rate for accounts opened before 1/6/2010: To  begin only if you designate your Card as an overdraft protection source in 
      federal law applies. The provisions of this Agreement are severable. If any  mean that we will do so again in the future. In addition, we reserve the 
                                                                           determine the Periodic Rate, we take the �Index Rate,� as de?ned below, add  writing. If your checking account does not have suf?cient available funds 
      provision of this Agreement is held by a court of law to be invalid or  right to deny transactions or authorizations from merchants apparently en-
                                                                           3.75 percentage points and divide that number by 12 to arrive at the period- to cover any item presented and drawn on the account, any overdraft up to 
      unenforceable the rest of this Agreement will not be affected.   gaging in the Internet gambling business or identifying themselves through 
                                                                           ic rate. For example, if the index rate were 10.0%, the Periodic Rate for that  your unused credit limit will be added to your credit Card account balance 
      1. Acceptance of Cardholder Agreement. By either using the account or  the Card transaction record or otherwise as engaged in such business.
                                                                           billing cycle would be 1.1458% (10.0% plus 3.75% divided by 12). A periodic  under this Agreement, if the Credit Union pays the item. The Credit Union 
      signing, using or accepting the plastic cards(s) issued to you by us (your  5. Special Features. You may receive separate information about special  rate of 1.1458% corresponds to an ANNUAL PERCENTAGE RATE OF 13.75%.  has the right to refuse overdraft advances but will notify you of the refusal. 
      �Card(s)�), you accept the terms and conditions of this Agreement.  All  features of your Visa or MasterCard account. Your use of such features will  The margin may be reviewed and adjusted annually.  The Annual Percentage  If there is more than one person listed on the checking account (such as a 
      Cards issued to you remain our property and must be returned to us upon  be governed both by the terms of this Agreement and by the terms con- Rate will not be higher than 18.00%, regardless of the index rate. joint checking account) that you have linked for Overdraft Protection, then: 
      request. Once you have received your Card, call the phone number shown  tained in such separate information. 
                                                                           MasterCard Gold Card Periodic Rate for accounts opened on or after  (1) you will be responsible for all Overdraft Protection advances regardless 
      on the front of the Card to activate your Card. By activating your Card, you  6. Monthly Payment. Your monthly statement will tell you the total  1/6/2010: To determine the Periodic Rate, we take the �Index Rate� as  of which person causes any item to be presented or engages in any other 
      acknowledge you have received a copy of this disclosure. We may delay or  amount that you owe us, the minimum payment that you must make and  de?ned below, add a Margin and divide that number by 12 to arrive at the  transaction that causes the overdraft (checks, ACH, debit Card, etc); and (2) 
      deny access to your account until you have called to con?rm that you have  your payment due date. The minimum payment for credit card accounts  periodic rate. For example, if the index rate were 10.0% and the margin were  you expressly consent to us disclosing to any other person on that checking 
      received and activated your Card.  will be the greater of (1) 3% of the new balance or (2) $35.00. If the new  4.75%, the Periodic Rate for that billing cycle would be 1.2292% (10.0% plus  account that the checking account is linked to the Card for Overdraft Pro-
      2. Credit Line. Your Card account will be an open end account. This means  balance of your account is less than $35.00 the minimum payment will be  4.75% divided by 12). A periodic rate of 1.2292% corresponds to an ANNUAL  tection. We reserve the right to cancel or suspend your Overdraft Protection 
      that you may borrow the full amount of the line of credit, repay the princi- the new balance.   PERCENTAGE RATE of 14.75%. The margin is based on an evaluation of your  service at any time at our sole discretion, for any reason. 
      pal, accrued interest and fees in full or in part, and borrow again up to your  You may pay the new balance in whole or in part at any time. We will not  credit history and may be reviewed and adjusted annually. The Annual Per- 11. Credit Card Fees. We may charge your Card or your Account for Card related 
      maximum line of credit, as long as you continue to be creditworthy and a  charge you a penalty for paying more than the minimum payment. If you  centage Rate will not be higher than 18.00%, regardless of the index rate. fees. The application and payment of the fee will not correct the situation that 
      member of the Credit Union in good standing. To remain in good standing,  pay more than your monthly minimum payment, the remainder is applied  MasterCard Gold Card Periodic Rate for accounts opened before  caused the fee to be charged. Please refer to our current Schedule of Fees. 
      you must meet your entire loan and account obligations to the Credit Union  toward your next month�s minimum payment. You can pay your account  1/6/2010: To determine the Periodic Rate, we take the �Index Rate� as  Other Fees: (1) If you ask the Credit Union for statement research and 
      and comply with applicable laws and the Credit Union�s bylaws. You agree to  ahead however paying ahead and skipping a payment will not reduce  de?ned below, add 7.75 percentage points and divide that number by 12 to  reconstruction services for any reason, you will be charged the same hourly 
      not use your Card when the use will exceed your total credit limit. You also  your liability for interest charges in the month that you do not make  arrive at the periodic rate. For example, if the index rate were 10.0%, the  rate then being charged by the Credit Union for all of its checking accounts 
      agree that we are not obligated to extend credit to you for an amount that  a payment. We will determine at our option, the order in which payments  Periodic Rate for that billing cycle would be 1.4792% (10.0% plus 7.75%  for that service; (2) Additional fees may be charged if agreed between you 
      would make your outstanding balance exceed your total credit limit or for  will be applied toward Purchases, Cash Advances, Balance Transfer, unpaid  divided by 12). A periodic rate of 1.4792% corresponds to an ANNUAL  and us; and, (3) To the extent not prohibited by law, if you are in default, 
      any amount if your outstanding balance is already over the total credit lim- Finance Charges and other Fees and Charges. We may accept checks marked  PERCENTAGE RATE of 17.75%. The margin may be reviewed and adjusted  you agree to pay our collections costs, attorney�s fees and court costs 
      it. We can change your credit limit at any time. If we allow you to use your  �payment in full� or with words of similar effect without losing any of our  annually.  The Annual Percentage Rate will not be higher than 18.00%,  incurred in enforcing our rights under this Agreement. 
      account for more than your limit, you still agree to pay the full amount you  rights to collect the full balance of your account with us.  regardless of the index rate. We may waive any of the fees in this Agreement at our discretion; however, 
      owe us. We may decline to honor any transactions for any reason. You agree  In addition, any past due amount is due and payable immediately. If your  MasterCard Gold Card with Annual Fee Periodic Rate (No longer offered  we reserve the right to begin charging any fee that was previously waived 
      that you will not use your account for any transaction that is illegal under  balance exceeds your credit limit, we also require that you pay the over  to new Cardholders as of 1/6/2010): To determine the Periodic Rate, we  without providing prior notice to you. 
      any applicable law.               limit amount.                      take the �Index Rate� as de?ned below, add 5.75 percentage points and  12. Reevaluation of Credit. We can reinvestigate and reevaluate any 
      3. Promise To Pay. You agree to pay us the amount of purchases, cash  Any payment submitted to us in the form of a check or other paper docu- divide that number by 12 to arrive at the periodic rate. For example, if  information you provided on your credit application at any time, and in 
      advances, balance transfers, fees and ?nance charges that you, your co- ment may be converted to an electronic transaction through procedures  the index rate were 10.0%, the Periodic Rate for that billing cycle would  the course of doing so, we may ask you for additional information, request 
      applicant and/or authorized users make (even if we didn�t issue a Card in  established by the National Automated Clearing House Association. If this  be 1.3125% (10.0% plus 5.75% divided by 12). A periodic rate of 1.3125%  credit bureau reports and/or otherwise verify your current credit standing. 
      that person�s name) and whether or not you notify us that he or she will  occurs, the original check or other document that you send to us will not be  corresponds to an ANNUAL PERCENTAGE RATE of 15.75%.  The margin may  13. Account Closing. We may cancel, revoke, reduce the amount of your 
      be using it. Each person who uses the Card(s) or permits another to use the  retained, but a copy would be available if requested.  be reviewed and adjusted annually.  The Annual Percentage Rate will not be  credit line or suspend your rights under this Agreement and require the 
      Card(s) agrees to be jointly and severally liable to the Credit Union for all  7. Finance Charges, Grace Period and Index Rate. A FINANCE CHARGE will  higher than 18.00%, regardless of the index rate.  return of the Card(s) for any reason, including your default, without notice 
      obligations due to the Credit Union hereunder. If another person has use of  be imposed on Credit Purchases only if you elect not to pay the entire New  The Index Rate used for calculating your Periodic Rate for a billing cycle is  to you except in those situations where notice is required by law. You may 
      your account and you want to end that person�s privilege, you must recover  Balance of purchases shown on your monthly statement for the previous  the Prime Rate published in the Wall Street Journal on the last business day  also close the account at any time by notifying us in writing and returning 
      and return that person�s Card, if any. If you are unable to recover and return  billing cycle within 25 days from the closing date of that statement. If you  of the prior month (the �Periodic Rate Adjustment Date�).  There are   all Cards. If the account is closed or we terminate or suspend your credit 
      the Card, you will continue to be liable for any charges made unless you tell  elect not to pay the entire New Balance of purchases shown on your previ - 12 Periodic Rate Adjustment Dates per year.  privileges for any reason, you must still repay any unpaid balance you owe 
      us to cancel all Cards and establish a new account for you. We will automati- ous monthly statement within that 25-day period, a FINANCE CHARGE will 
      cally cancel all Cards if you notify us of unauthorized use. Your obligation  Because the Index Rate may go up or down, the Periodic rate applied to  to us including charges and or transactions not yet received by us, as well as 
                                        be imposed on the unpaid average daily balance of such Credit Purchases 
      to pay the account balance continues even though an agreement, divorce  your Average Daily Purchases Balance or Average Daily Cash Advance Bal- subsequent Finance Charges and other charges according to the terms of this 
                                        from the previous statement closing date and on new Credit Purchases from  Agreement. Each Card is our property and you agree that the Cards are not 
      decree or other court judgment to which we are not a party may direct you  ance, as the case may be, may also increase or decrease, thereby increasing 
                                        the date of posting to your account during the current billing cycle, and will 
      or one of the other persons responsible under this Agreement to pay the  or decreasing the number of payments you will be required to make in order  transferable and to surrender any Card upon demand. If this is a joint ac-
                                        continue to accrue until the closing date of the billing cycle preceding the  count, either person who is liable on the account may give notice to cancel 
      account.                                                             to repay your Total New Balance. 
                                        date on which the entire New Balance of purchases is paid in full or until 
      4. Authorizations. Some transactions on your account will require prior  The Periodic Rate that is applied to your Average Daily Purchases Balance  the account, and we may close it without notifying the other liable person. 
                                        the date of payment if more than 25 days from the closing date. A FINANCE 
                                                                           and Average Daily Cash Advance Balance appears on your monthly state- 14. Default. You will be in default, and we may, without notifying you, 
      approval. These prior approvals are called �authorizations�. We may limit  CHARGE will be imposed on each Cash Advance from the transaction date 
                                                                           ment. The Periodic Rate, in effect at the time of your Card approval, was  temporarily suspend your credit, close your account, cancel all Cards issued 
      the number of authorizations we will give the account during any certain  and continue daily until the date each Cash Advance is paid in full. 
                                                                           provided to you in a separate Credit Union acceptance letter.  on it and require immediate payment of your entire balance if any of the 
      period of time (day, weekend, week) and we may deny an authorization  The FINANCE CHARGE for a billing cycle is computed by applying the month-
      if we suspect that your account is being used without your permission. If  8. Change In Terms Of Your Account. We can change or add to any terms  following occurs: 
                                        ly Periodic Rate to the average daily balance of Credit Purchases and Cash 
      our authorization system is not working fully, we may be unable to give an  of your account at any time. We do not guarantee that the fees and the An- a. You fail to make a payment when it is due; 
                                        Advances, which is determined by dividing the sum of the daily balances 
      authorization. For security reasons, we cannot explain the details of how  nual Percentage Rates (APRs) on this account are for any particular length  b. You do not follow the terms of this Agreement in any way;
      the authorization system works. You agree that we will not be liable for  during the billing cycle by the number of days in the cycle. Each daily bal- of time. Future changes will be made in accordance with this Agreement  c.  You have made any false or misleading statement on the application for 
      failing to give an authorization. Transactions at some participating mer- ance of Credit Purchases and Cash Advances is determined by adding to the  and applicable law. We will provide you with such notice as is required by  your account; 
      chants (such as hotels, car rental companies, restaurants and gas stations)  outstanding unpaid balance of Credit Purchases and Cash Advances at the  applicable law. Such changes may apply to the existing balance on your 
                                                                                                              d. You fail to pay any other loans you owe us; 
      may result in authorizations for amounts greater than the actual purchase  beginning of the billing cycle any new Credit Purchases and Cash Advances  account as well as to future balances in accordance with this Agreement and 
      amount, which will have the effect of making less credit available on your  posted to your account, and subtracting any payments as received and cred- e. You become insolvent or die; 
                                                                           applicable law. If required by applicable law, we will permit you to reject 
      account for several days (usually until the date the actual purchase amount  its as posted to your account, but excluding any unpaid FINANCE CHARGES.  certain types of changes, by providing us with written notice and closing  f.  There is an attachment, execution or levy against your property or you 
      is received from the merchant). We may, but are not required to, authorize  VISA Platinum Periodic Rate for accounts opened on or after 1/6/2010:  your account and you would then be permitted to repay any balance on the  make an assignment for the bene?t of creditors; 
      transactions that will cause the balance on your account to exceed the  To determine the Periodic Rate, we take the �Index Rate,� as de?ned below,  account under the terms in effect prior to the change.  g. A bankruptcy petition is ?led by or against you or your spouse; 
                                  FirstCard Visa�            Member Rewards 
                                              Visa� Platinum 
                                  Platinum                   MasterCard� 
          Interest Rates and Interest Charges 
                                              7.00% to       8.00% to 
                                              18.00% when you  18.00% when you 
                                              open your account,  open your account, 
          Annual Percentage Rate              based on your  based on your 
                                 9.99% 
          (APR) for Purchases                 creditworthiness.  creditworthiness. 
                                              After this, your APR  After this, your APR 
                                              will vary with the  will vary with the 
                                              market based on the  market based on the 
                                              Prime Rate.    Prime Rate. 
                                              7.00% to 18.00%  8.00% to 18.00% 
                                              when you open your  when you open your 
                                              account, based on  account, based on 
                                              your creditworthiness.  your creditworthiness. 
          APR for Balance Transfers  9.99% 
                                              After this, your APR  After this, your APR 
                                              will vary with the  will vary with the 
                                              market based on the  market based on the 
                                              Prime Rate.    Prime Rate. 
                                              7.00% to 18.00%  8.00% to 18.00% 
                                              when you open your  when you open your 
                                              account, based on  account, based on 
                                              your creditworthiness.  your creditworthiness. 
          APR for Cash Advances  9.99% 
                                              After this, your APR  After this, your APR 
                                              will vary with the  will vary with the 
                                              market based on the  market based on the 
                                              Prime Rate.    Prime Rate. 
          Penalty APR and When it Applies  None  None        None 
          Minimum Interest Charge  None       None           None 
                                 Your due date is at least 25 days after the close of each billing cycle. 
          How to Avoid Paying Interest on 
                                 We will not charge you any interest on purchases if you pay your 
          Purchases 
                                 entire balance by the due date each month 
          For Credit Card Tips from the  To learn more about factors to consider when applying for or using a 
          Consumer Financial Protection  credit card, visit the website of the Consumer Financial Protection 
          Bureau                 Bureau at http://www.consumerfinance.gov/learnmore 
          Fees  
          Annual Fee             None None                   None 
          Transactions Fees                                   
               Balance Transfer  None         None           None 
               Cash Advance      None         None           None 
               Foreign Transaction  Up to 1% of  Up to 1% of  Up to 1% of 
                                 transaction  transaction amount  transaction amount 
                                 amount 
          Penalty Fees                                        
               Late Payment      Up to $35    Up to $35      Up to $35 
                Returned Payment   Up to $35  Up to $35      Up to $35 
               Over-the-Credit Limit  None    None           None 
          How We Will Calculate Your Balance: We use a method called �average daily balance� (including new 
          purchases).  
          The information on this disclosure is current as of April 2012, and is subject to change.  To determine if any changes 
          have occurred since this date call 866-709-8901.