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

1.75%

Introductory APR for ___    ____ months.

12

After that, your Standard APR will be      11.49%*
This APR will vary with the market based on the Prime Rate plus a margin**.

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.

*After  the  expiration  of  your  "discounted"  rate  the  remaining  unpaid  portion  of  the  original  balance  transfer  request  will  be
subject to your normal APR as outlined on your monthly statement based on the specific Belco Community Credit Union Credit
Card Selected.

SEE NEXT PAGE for more important information about this account
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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

9010 LASER VELOCITY FI15547 Rev 10-2011

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.

**Variable Rates:  The Annual  Percentage  Rate  may  increase  or  decrease  if  the  highest  rate  of  interest  identified  as  the  'Prime  Rate'  in  the  'Money  Rates'
column of the Wall Street Journal increases or decreases. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of: _8.24_ %. The interest
rate can change monthly on the first day of each month following a change in the Prime Rate. The Annual Percentage Rate will never be more than 18%. Any
increase will lengthen the time it takes to pay off your loan.

Daily Periodic Rates:

Introductory Rate:               1.75        

%; Purchases, Cash Advances, and Balance Transfers:

1.75%

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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