Issued on: «PDATE» 

«RETURN1» 
«RETURN2» 

«ADDRESS2»«ADDRESS1»  
«ADDRESS3» 
«ADDRESS4» 
«ADDRESS5» 
«ADDRESS6» 
«POSTNET» 

«BARCODE» 

See reverse side for important 
disclosures  

Terms governing the use of this account are set 
forth in a separate cardholder agreement. 

CREDIT LIMIT: «CREDIT»«CREDIT2»«CREDIT3»«CREDIT4» 
ISSUED BY: «ISSUEDBY» 

                Cards                       Account number 
«ACCT» 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
                                                                                                                                                                                                                
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
Interest Rate and Interest Charges 

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

How to Avoid Paying Interest on Purchases 

For Credit Card Tips from the Federal Reserve Board 

Platinum           Gold                  Classic 
10.96%     13.48%        13.48%                                                       
 10.96%             13.48%             13.48%                                              
 10.96%             13.48%             13.48% 

Your due date is at least 25 days after the close of each 
billing cycle.  We will not charge you any interest on 
purchases if you pay your entire balance by the due date. 

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 

Platinum           Gold                  Classic 
None                  $15                     None 

Annual Fees 
Transaction Fees                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       
-  Balance Transfer                                                                                                                                                                           
-  Cash Advance 

None                  None                     None                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                            
2% of the amount of each advance ($5 minimum, $50 
maximum) 
Penalty Fees                                                                                                           
-  Late Payment                                                                                          
-  Cash Advance                                                                                                
-  Returned Payment 

$25                         $20                   $20                                                                                                                  
None                      None               None                                                              
$25                          $20                  $20                                                            

*How we will Calculate your Balance: We use a Method called "Average Daily Balance (Including New Purchases)". 

Billing Rights Notice:  Billing Rights information on your rights to dispute transactions and how to exercise those rights is provided in the Greylock Federal Credit Union 
Credit Cardholder Agreement. 

1) At the date this was printed (shown in the lower right-hand corner) the information listed above was accurate. Because rates and terms are subject to 
change, you may contact us for the current information by writing to our business address 150 West St. Pittsfield, MA 01201 or call 1-413-236-4000. 

2) A Finance Charge will be imposed on credit purchases only if you elect not to pay the entire New Balance shown on your monthly statement by the Payment Due Date.  
If you elect not to pay the entire New Balance shown on your monthly statement by the Payment Due Date, a Finance Charge will be imposed on the average daily balance 
of the unpaid purchases from the previous statement closing date and on new purchases from the date of posting to your account during the current billing cycle, and will 
continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than 25 
days from the closing date.  The Finance Charge for a billing cycle is computed by applying a monthly Periodic Rate to the average daily balance of purchases.  To get the 
average daily balance, we take the outstanding unpaid balance of purchases at the beginning of the billing cycle, add any new purchases, and subtract any payments, 
credits, and unpaid finance charges to get the daily balance; we add up all the daily balances for the billing cycle and divide by the total number of days in the billing cycle.  
A finance charge will be assessed on cash advances/balance transfers from the date you obtained the cash advance/balance transfers, or the first day of the billing cycle in 
which it is posted to your account, whichever is later, and will continue to accrue until paid in full.  The Finance Charge on cash advances/balance transfers will be 
calculated in the same manner as explained above for purchases.   

3) The monthly Periodic Rate for Classic and Gold cards is 1.12333% and 0.91333% for Platinum cards. 
4) International Service Assessment (ISA) Fee or Other Fees: Effective April 2, 2008, Visa implemented an international Service Assessment (ISA) of .08 percent  for single-
currency international transactions. Visa will also continue to apply the existing ISA fee of 1.0 percent for multi-currency international transactions. Visa assesses an 
International Service Assessment (ISA) charges to the issuer which is passed on the member and collected through settlement he current ISA is applied to all cross-border 
transactions (purchases, credit vouchers and cash distributions) where currency conversion is performed. 

                         5/2010