FIRST FEDERAL SCORECARD CASHBACK VARIABLE RATE VISA PROGRAM 
TRUTH IN LENDING DISCLOSURE REQUIRED BY FEDERAL REGULATIONS. 

Annual Percentage Rate for 
Purchases and Cash Advances 

Variable Rate Information 

How to Avoid Paying Interest on 
Purchases    
Method of Computing the Balance for 
Purchases 
Annual Fee 
Minimum Interest Charge 
Transaction Fee for Purchases 
Transaction Fees 

. Cash Advance 

. Foreign Transaction  

Penalty Fees 

. Late Payment  

8.15%.  
 This APR will vary with the market based on the Prime Rate, 3.25% as of January 1, 2011. 
Your annual percentage rate may vary. The Rate is determined by adding 4.90% to the 
"Prime Rate" as published under the "Money Rates" sub-section in the Wall Street Journal 
on the last business day of a month.  **(The variable rate will not exceed 18.00%.)  An 
Increase in rate will result in a higher payment amount.   
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 each month. 
Average daily balance including new purchases. 

None 
None 
None 

Either $3.00 or 2% of the amount of each cash advance, whichever is greater(maximum 
fee: $50) 

1% Conversion or processing fee for all transactions in a foreign country. 

 $6.80 Late fee will be imposed if we do not receive the minimum required 
   payment listed on your current statement within 10 days after the next  
   statement’s closing date. 

. Returned Check  

  $25.00 

. Overlimit    

  None 

_________________________________________________________________________ 
 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. 

_________________________________ 
For Credit Tips from the Federal 
Reserve Board  
The information about the costs of the cards described herein is accurate as of January 1, 2011. This information may have changed after that date. To 
find out what may have changed, call us at (843)529-5963 or (800)768-3248 if calling long distance, or write to us at P. O. Box 118068, Charleston, 
SC 29423. 
TERMS AND CONDITIONS 
ScoreCard CashBack Program Rules 
     Every dollar in purchases “you” (see paragraph 7) make with your card to your Visa Account covered by this ScoreCard CashBack Program 
(“Program”) and that appears on your statement during the Program period, earns CashBack credit as provided for in the Rules, under your financial 
institution’s (“Sponsor’s”) most current CashBack schedule.  CashBack is earned with purchases made by You beginning on the first day in which 
your Program begins and is posted to your account annually.  Contact your Sponsor for full details on eligibility dates. 
      Your periodic statement will normally include a year-to-date accounting total of your CashBack credits but may be adjusted as provided for in 
these Rules.  CashBack credits will be deducted from your current total of credits earned for corresponding retail purchase returns posted to your 
credit card account. 
      Your card account must be open and clear (i.e. not cancelled, terminated, delinquent or otherwise not available to use for charges) at the time each 
year CashBack credits are posted by your Sponsor.  Otherwise, your CashBack credit will be forfeited.  CashBack credits are not exchangeable or 
transferable. 
       This Program may be modified, suspended or cancelled at any time without restriction or penalty.  CashBack credit may be forfeited due to 
violations of these Rules.  This Program is void where prohibited or restricted by law.  You are responsible for any federal, state or local income or 
other taxes. 
       Despite our best efforts to ensure accuracy, printing errors involving the Program occasionally occur.  We reserve the right to correct such errors 
at any time even if it affects CashBack credits already posted to your account. 
       You agree to hold Financial Institution Benefit Association, Inc. (“FIBA”), Certegy Card Services, Inc. (“Certegy”) and any vendors associated 
with the Program, as well as any card association that your Sponsor is a member of, totally harmless if your Sponsor fails to meet its contractual and 
other obligations with FIBA or Certegy, which results in the Program being interrupted or terminated prior to any CashBack credits being awarded to 
you. 
       This Program is available to Visa account holders (“You”) whose Sponsor (i) has enrolled as a sponsoring member of FIBA and (ii) has 
contracted with FIBA for this Program for You.  All Program Rule determinations by FIBA are final.  Your use of your card following receipt of 
these Rules will indicate your agreement to these Rules.