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SECURED VISA ACCOUNT
The periodic finance charge on an account without a 25 (twenty-five) day grace
period on the advance and purchase balance: For the advance balance, which
consists of transactions related to cash and loan advances, a periodic FINANCE
CHARGE will be imposed on advance transactions from the date they are posted
to your account.  For the purchase balance, which consists of transactions relat-
ed to the purchase of property and services, the periodic FINANCE CHARGE will
be  imposed  on  purchase  transactions  from  the  date  they  are  posted  to  your
account.  To compute the periodic FINANCE CHARGE on purchases and advances,
we take each non cash and cash balance times the number of days that partic-
ular balance was showing on the VISA loan.  The product of these multiplications
is added, and then is multiplied by the daily periodic rate to determine the amount
of FINANCE CHARGE on non-cash and cash transactions.

Method A - The Finance Charge on Credit Purchases begins to accrue on the date 
each is posted to your account.  The Finance Charge on Cash Advances begins to 
accrue on the date you obtain the Cash Advance or the first day of the billing cycle 
in which it is posted to your account, whichever is later.  The Finance Charges for
a billing cycle are computed by applying the daily periodic rate to the average
daily balance multiplied by the number of days in the billing cycle OR the month-
ly  Periodic  Rate  to  the  average  daily  balance  during  the  billing  cycle,  which  is
determined by dividing the sum of the daily balances during the billing cycle by
the number of days in the cycle.  Each daily balance is determined by adding to
the Previous Balance (the outstanding balance of your account at the beginning
of the billing cycle) any new Credit Purchases posted to your account and any
new Cash Advances received, and subtracting any payments as received or cred-
its  as  posted  to  your  account,  but  excluding  any  unpaid  Finance  Charges.THE
EFFECTIVE ANNUAL PERCENTAGE RATE WILL DIFFER FROM THE CORRESPONDING
ANNUAL PERCENTAGE RATES IF CASH ADVANCE FEES HAVE BEEN INCLUDED.

COVERDRAFT ADVANCES (OVERDRAFT PROTECTION)
Stanford  Federal  Credit  Union  offers  a  number  of  coverdraft  plans  to  help  you
avoid the inconvenience and expense of overdrafts and returned items. The types of
accounts that can be linked for coverdraft depend on the checking account you
have. Also, some checking account plans allow you to link your checking account
to both a Visa credit card account and deposit account at the same time. If this is the
case the following will apply:
(cid:129) If you choose both a deposit account and a Visa credit card account as cover

draft, you can designate the account from which you want the funds advanced
first.

(cid:129) If you do not designate an account, we will automatically advance funds from
your Visa credit card account first, subject to credit availability under this 
Agreement, and then from your deposit account.  If there is not enough credit or 
funds available to cover the entire amount of an item presented for payment, the
item may be returned unpaid.

(cid:129) Cover draft can also help you avoid having items returned due to holds placed
on  deposits  to  your  checking  account  and  can  allow  you  access  to  your 
checking funds (up to the available balance in your coverdraft Visa credit card
account) while the hold is in place.

We will automatically transfer the exact dollar amount to cover the overdraft.  If there
is more than one person listed on the checking account that you have linked for
coverdraft you will be responsible for all coverdraft advances regardless of which
person writes the check or authorizes a payment that causes the overdraft.  From
time to time and at our discretion, we may impose other conditions on the Coverdraft
service.  Coverdraft  from  a VISA  credit  card  is  considered  a  cash  advance.    Cash
advances incur finance charges from the first day the cash advance is made.  A fee
of 2% of the transaction amount will be assessed.  This fee has a minimum of $15
and a maximum of $300 for each cash advance.

SERVICE CHARGES
We  may  charge  $12.00  for  original  single  drafts  ($7.50  for  copies)  as  well  as
statement copies you request. 

CONSENT TO ELECTRONIC STATEMENTS
Cardholders may consent to opt out of receiving paper statements via our home
banking system, CUOnline.  The Credit Union will discontinue delivery of account
statements in paper form, and you may opt back into paper statements via
CUOnline.To receive or access eStatements electronically requires access to the
internet, an email account, a qualified browser such as FireFox, Internet Explorer
or Safari, and Adobe Reader software. 

CHANGE IN TERMS
You  agree  that  we  can  change  the  terms  of  this Agreement  at  any  time  upon
proper advance notice to you, where required by law. We consider that you have
accepted the changes if you keep or use the card after the notice. The new terms,
including any increase or decrease in the charges, shall be effective as to any
subsequent credit extended on and after the effective date of the change, and,
where permitted by applicable law, as to any unpaid balance outstanding as of
the effective date of the change

CANCELLATION OF CARD
You  may  cancel  your  card  at  any  time  in  writing,  enclosing  all  cards  on  your
account cut in two. Cancellation of the card will end all charging privileges. 
We have the right to revoke your right to use the credit card at any time. We can
do this with or without cause. We may list revoked credit cards in a cancellation
bulletin or  otherwise inform firms honoring the credit card that the credit card
issued to you has been revoked or canceled. If we revoke the credit card or it
expires, you must return it to us if we request. Also, if a firm that accepts the
credit card asks you to surrender an expired or revoked credit card, you must do
so.  You  may  not  use  the  credit  card  after  it  has  expired  or  after  it  has  been
revoked. Cancellation or revocation of your credit card will not affect your obliga-
tion to pay any amounts that may be due under this Agreement. 

FOREIGN CURRENCY TRANSACTIONS
If you effect a transaction at a merchant that settles in a currency other than U.S.
dollars, Visa International Incorporated will convert the charge into U.S. dollars.
Visa  International  will  use  its  currency  conversion  procedure.    The  currency
Conversion rate used on the processing date may differ from the rate that would
have been used on the purchase date or cardholder statement posting date.

DEFAULT / COLLECTION / ATTORNEY’S FEES
You will be in default and understand that all loan credit under this Agreement
may be terminated if: (1) you do not make periodic payments as required by this
Agreement; (2) you do not keep any promise made in this Agreement or any other
agreement with this Credit Union; (3) any information that you give us to obtain a
loan advance is false; (4) any third party attempts by legal process to take any
property  belonging  to  you;  (5)  you  die,  become  insolvent  or  are  a  party  to  any
bankruptcy proceeding; or (6) as otherwise provided in this Agreement.  If you are
in default, we may refuse to make any further advances or refuse charge privi-
leges to you and declare all sums owed under this Agreement immediately due
and payable.  We may accept late payments or partial payments without losing
any of our rights under this Agreement. You understand that if you are in default,
we  may  add  to  your  unpaid  balance  any  reasonable  attorney’s  fees  and  court
costs, all of which you agree to pay.

WAIVERS AND SEVERABILITY
We may waive or decline to enforce any of our rights under this Agreement with-
out affecting any of our rights. Should any provision of this Agreement be deter-
mined to be invalid or unenforceable, that determination shall not affect the valid-
ity or enforceability of any other provision. 

GOVERNING LAW
This Agreement, your credit card line of credit, as well as our rights and duties
and your rights and duties regarding them, will be governed by and interpreted in
accordance with federal law to the fullest extent possible and to the extent fed-
eral law does not apply in accordance with California law, regardless of where
you live and use your credit card. This Agreement is made in California. All cred-
it will be extended from California and all repayment must be made in California. 

This notice contains important information about your rights and our responsibil-
ities under the Fair Credit Billing Act. 

Notify Us In Case Of Errors Or Questions About Your Statement.

If  you  think  your  statement  is  wrong,  or  if  you  need  more  information  about  a
transaction on your statement, write us on a separate sheet at the address listed
on your statement as “Send Inquires to.” Write to us as soon as possible. We must
hear  from  you  no  later  than  60  days  after  we  sent  you  the  first  statement  on
which the error or problem appeared. You can telephone us, but doing so will not
preserve your rights. In your letter, give us the following information: 

(cid:129)   Your name and account number 
(cid:129)    The dollar amount of the suspected error 
(cid:129)    Describe the error and explain, if you can, why you believe the charge is an
error. If you need more information, describe the item you are not sure about. 

YOUR RIGHTS AND OUR RESPONSIBILITIES 
AFTER WE RECEIVE YOUR WRITTEN NOTICE 

We must acknowledge your letter within 30 days, unless we have corrected the
error by then. Within 90 days, we must either correct the error or explain why we
believe the statement was   correct. 

After we receive your letter, we cannot try to collect any amount you question, or
report  you  as  delinquent.  We  can  continue  to  send  statements  to  you  for  the
amount you   question, including finance charges, and we can apply any unpaid
amount against your credit limit. You do not have to pay any questioned amount
while  we  are  investigating,  but  you  are  still  obligated  to  pay  the  parts  of  your
statement that are not in question. 

If we find that we made a mistake on your statement, you will not have to pay
any finance charges related to any questioned amount. If we didn’t make a mis-
take, you may have to pay finance charges, and you will have to make up any
missed payments on the questioned amount. In either case, we will send you a
statement of the amount you owe and the date that it is due. 

If  you  fail  to  pay  the  amount  we  think  you  owe,  we  may  report  you  as
delinquent.However, if our explanation does not satisfy you and you write to us
withinten  days  telling  us  that  you  still  refuse  to  pay,  we  must  tell  anyone  we
reportyou  to  that  you  have  a  question  about  your  bill.    And  we  must  tell  you
thename of anyone we reported you to. We must tell anyone we report you to that
the matter has been settled between us when it finally is. 

If  we  don’t  follow  these  rules,  we  can’t  collect  the  first  $50  of  the  questioned
amount, even if your bill was correct.

SPECIAL RULE FOR CREDIT CARD PURCHASES 

If you have a problem with the quality of property or services that you have pur-
chased with a credit card, and you have tried in good faith to correct the problem
with the merchant, you may have the right not to pay the remaining amount due on
the property or services. There are two limitations on this right: (a) you must have
made the purchase within your home state, or if not within your home state with-
in 100 miles of your current mailing address; and (b) the purchase price must
have been more than $50. These limitations do not apply if we own or operate
the  merchant or if we mailed you the advertisement for the property or services. 

ILLEGAL TRANSACTIONS – GAMBLING 

You  may  not  use  your  VISA  credit  card  for  any  illegal  activity  or  transaction.
Further, you may not utilize your VISA credit card to effect the purchase of any
goods or services on the Internet that involve gambling transactions of any sort.
Such  gambling  transactions  include,  but  are  not  limited  to,  any  quasi-cash  or
online gambling transaction, any electronic commerce transaction conducted over
an open network, and any betting transaction including the purchase of lottery
tickets or  casino gaming chips or off-track betting or wagering. However, in the
event that a charge or a transaction described in this paragraph is approved and
processed  in  violation  of  this  provision,  you  will  still  be  responsible  for  such
charge.

M-100688, Rev 0210

Stanford Federal Credit Union
Visa Agreement and Disclosure Statement
for Platinum Visa, Visa Classic Card
(Secured and Unsecured)
and Student Visa Card

Financial Services for the Stanford Community

P.O. Box 10690 Palo Alto, California 94303-0843
Office: 650-723-2509

SFCU Plastic 2_10.qxd:Stanford CU  2/25/10  9:09 AM  Page 2

You agree to the following terms and conditions and any amendments there to: 

ACCEPTING THIS AGREEMENT 
Before you sign or use the Stanford Federal Credit Union VISA credit card issued to
you,  please  read  this  Agreement  thoroughly,  because  by  signing  or  using,  or
authorizing another person to use the credit card you will be agreeing to the terms
and conditions stated in this Agreement.  If you do not wish to be bound by this
Agreement,  do  not  sign  or  use,  or  authorize  another  person  to  use  the 
credit  card  and  write  to  us  and  tell  us  that  you  wish  to  cancel  your  credit  card
account with us.  If you have received cards to access the card account, destroy
them.

DEFINITIONS 
In this Agreement the words “you,” “your” and “yours” mean each and all of those
person(s)  who  sign  the  loan  application  or  otherwise  apply  for  or  use  the  card
(including your spouse or minor children), the words “card” or “credit card” mean
the Stanford Federal Credit Union VISA credit card, and the words “we,” “our,” “us”
and “Credit Union” mean the Stanford Federal Credit Union.

LIABILITY OF ALL PERSONS SIGNING THE APPLICATION 
You  understand  that  you  are  liable  for  the  payment  of  all  sums  due  under  this
Agreement.  If the loan application was signed by more than one person, each
person, individually, and all persons jointly are obligated to repay all sums due
under this Agreement. This means that we can require any one of you individual-
ly to repay the entire amount owed under this Agreement.  Each of you authoriz-
es the other(s) to make purchases or cash advances individually.  You agree that
all statements made in your application for your credit card were for the purpose
of obtaining credit and are true, correct, and complete to the best of your knowl-
edge and belief.

CREDIT LIMIT
This Agreement establishes a credit card account for you with an open end line of
credit. We will establish a credit limit for you and will inform you of that limit, and
may increase or decrease that credit limit from time to time. Your monthly state-
ments  will  show  the  amount  of  credit  available  to  you  for  purchases  and  cash
advances as of the statement date. We will give you notice of any change in your
credit limit.  You agree not to use your account in any way that would make the
unpaid balance of your account or cash advances on your account exceed your
credit  limit.  You  also  agree  to  pay  us  the  amount  of  any  transactions  on  your
account in excess of your credit limit along with your regular minimum payment at
your next scheduled payment due date. 

PERSONAL IDENTIFICATION NUMBER 
A Personal Identification Number (PIN) may be issued on all new accounts. This
number may be used by you with your credit card to obtain a Cash Advance on
your account at any automated teller machine displaying the credit card logo or to
make purchases at any designated point of sale (POS) machine. Please keep your
PIN confidential and do not write it on or keep it with your credit card. You may
cancel your PIN by submitting the request in writing.

CREDIT INFORMATION
You  agree  that  we  may  re-examine  and  re-evaluate  your  credit  worthiness  at 
anytime.  You authorize us to obtain, from time to time, information from others,
including,  but  not  limited  to  credit  reporting  agencies,  concerning  you  and  your
credit accounts.  You also authorize us to respond to requests from others and to
provide  information  regarding  the  status  and  history  of  your  accounts  with  us.
However, we are not obligated to release any such information to anyone unless
we are required by law to do so.  You agree that we have the right to terminate
future advances under your line of credit or reduce your credit limit upon re-exam-
ination and reevaluation of your credit worthiness.

CHANGE OF NAME, ADDRESS, EMPLOYMENT 
You agree to promptly report to us any change in your name, address, employment
or telephone number. 

ADVANCES / PURCHASES
The two ways to access your line of credit are by making a purchase from a mer-
chant that accepts the credit card and by making a cash advance. We will not be
responsible or liable to you should anyone refuse to accept or honor your card, or
should anyone retain your card and not return it to you. You may request cash advances
under  this  Agreement  by  making  a  written  or  telephone  request  to  us,  or  by

requesting a cash advance at a financial institution or Automated Teller Machine
that accepts the credit card. You agree to repay all advances for purchases and
cash  advances  made  by  you  or  at  the  request  of  a  signed  borrower  under  this
Agreement and you understand that all loan advances will be subject to terms of
this Agreement. You agree not to request advances or make purchases or use your
account in any way that would make the unpaid balance of your account exceed
your credit limit. All balance transfers are treated as cash advances.

CASH ADVANCE FEES:
A  fee  of  2%  of  the  actual  cash  advance  amount  will  be  assessed  on  all  cash
advances.  This fee has a minimum of $15 and a maximum of $300 for each cash
advance.

MINIMUM MONTHLY PAYMENTS
Every month, you must pay at least the minimum payment due by the payment due
date shown on your periodic statement.  By separate agreement, you may author-
ize us to automatically transfer the minimum payment due from your checking or
savings account.  You may pay more frequently, pay more, or pay the new balance
in full, and you will reduce the periodic finance charges by doing so.  The minimum
payment due will be either: (a) 2.5% of your new balance, or $20, whichever is
greater; or (b) your new balance, if it is less than $20.  In addition, you must pay
any  amount  on  your  periodic  statement  listed  as  past  due  and  any  late  charge.
Lastly, at any time your new balance exceeds your credit limit, you must pay the
excess as well as any over limit charge.

PROMISE TO PAY
You agree to pay us, at the payment address stated on the front of your monthly
billing statement, all sums which have been accumulated on your account by you
or others with your permission, together with any finance charges, late charges,
collection costs, attorney’s fees, and any other service charges computed on your
account as set forth in this Agreement.

PAYMENTS MARKED “PAID IN FULL”
The Credit Union may accept checks, money orders, share drafts, or other types of
payment marked “payment in full” or using other language to indicate full satis-
faction of indebtedness, without being bound by such language or waiving any rights
under  this Agreement.    Full  satisfaction  of  indebtedness shall  be  accepted  by  the
Credit Union only in a written agreement, signed by an authorized employee of the
Credit Union.

USE OF THE ACCOUNT BY OTHERS
If you permit another person to use your account, you agree to pay for (1) any transac-
tions made by that person and (2) charges imposed on those transactions, even if
the amount of the actual use exceeds your permission to the extent allowed by
applicable law.

LOST OR STOLEN CARDS
You agree to notify us immediately if your card is ever lost or stolen or if unautho-
rized use has occurred or may occur.  You agree to assist us in determining the
facts, circumstances, and other pertinent information relating to any lost, theft, or
possible unauthorized use of your card(s) and to comply with such procedures as
we may require in connection with our investigation.  If your account is in good
standing, we will send you a new card with a new account number to replace the
card that was lost or stolen.  Although you will be issued a new account number,
you will not be considered to have opened a new account, and any existing bal-
ance will be transferred to the replacement account. Convenience checks issued
on an account with a lost/stolen card will not be honored once the card has been
reported lost/stolen.

LIABILITY FOR UNAUTHORIZED USE
If you believe that your card may have been lost or stolen or that your account num-
ber may have been used without your authorization, you must notify us immediately
at:  1  (800)  654-7728  or  CUSTOMER  SERVICE,  P.O.  Box  31112, Tampa,  FL  33631-
3112. You will not be held liable for the unauthorized use of your Visa Credit Card
account.

AUTHORIZATIONS
Some  transactions  on  your  account  will  require  prior  approval.  These  prior
approvals are called “authorizations”. We may limit the number of authorizations
we will give the account during any certain period of time (day, weekend, week)
and  we  may  deny  an  authorization if we suspect that your account is being used
without your permission. If our authorization system is not working fully, we may be
unable to give an authorization even though the transaction would not exceed your

credit line and your account is in good standing. For security reasons, we cannot
explain the details of how the authorization system works. You agree that we will
not be liable for failing to give an authorization.

ADDITIONAL BENEFITS/CARD ENHANCEMENTS
The Credit Union may from time to time offer additional services to your account.
You understand that the Credit Union is under no obligation to offer such services
and may withdraw or change them at any time. CU Rewards Program Points exist-
ing on your account will expire in three (3) calendar years, starting with the year
they are earned as 1 year. 

CREDIT LIFE DISABILITY
Credit Union may offer you Credit Life and Disability Insurance in relation to your
Visa account. This insurance is voluntary and need not be purchased for you to
qualify for the Visa account. You acknowledge that a disclosure of the cost of this
insurance has been provided to you in a separate document by the Credit Union.

AUTOMATIC PAYMENT OPTION
If you request this optional service, we will automatically transfer the amount of
the  payment  requested  by  you  from  your  designated  deposit  account  to  your 
Stanford  Federal  Credit  Union Visa  credit  card  account.   You  are  to  continue  to
make payments in the usual manner until you receive notification that the feature
is effective. The automatic payment option can be designated by you as one of the
following: payment in full or the minimum due amount.  The automatic payment
will be deducted from your designated deposit account and applied as payment to
your Visa  credit  card  account  on  the  payment  due  date.    If  this  date  falls  on  a
Saturday,  Sunday,  or  holiday,  the  payment  will  be  deducted  on  the  immediately
preceding business day. In the event that sufficient funds are not available in the
designated  deposit  account  to  pay  the  agreed-upon  amount,  a  late  fee  will  be
assessed in the amount of $25, and you may be assessed an insufficient funds fee.
We may cancel this service if the transfers are not honored because of insufficient
funds in your designated deposit account.  Once you have authorized this automat-
ic payment service, write or email to cancel the service or make option changes.

LATE CHARGE
You will be charged $25.00 if you fail to make your minimum payment on or before the
payment due date.

CONVENIENCE CHECKS
We may send you Convenience Checks which can be used to obtain cash or pay for
goods or services up to the amount of your available credit limit.  In such cases these
Convenience  Checks  will  be  charged  against  your  credit  limit,  processed  as  cash
advances and accumulate FINANCE CHARGES from the date the check posts to your
account,  pursuant  to  the  paragraph  titled  ADVANCES  /  PURCHASES.  Convenience
Checks may only be used by the person whose name is printed on them.  You may not
use Convenience Checks to pay any amount you owe us under this Agreement.  We will
not  return  any  paid  Convenience  Checks  to  you. To  make  a  purchase,  present  your
Convenience Check to any participating merchant. To request a cash advance, present
your Convenience Check to us or any participating financial institution. We may decline
to honor your Convenience Check if you are over your credit limit, you are in default, your
account privileges have been canceled, or your card has expired.  If we decline to honor
such a check, we may charge you a $25.00 non-sufficient funds fee which we will add
to your outstanding balance. You may place a stop payment on a Convenience Check by
notifying us in writing at the address shown on your monthly statement or by calling us
at 650-723-2509 or toll free at 1-888-723-7328. A stop payment order will remain in
effect for six (6) months and then it will lapse unless renewed.  You will be charged a
$20.00 stop payment fee when you stop payment on a Convenience Check.

OTHER FEES  
A returned check or returned payment fee of $25.00 may be charged when apayment
check or similar instrument is not honored, when we must return it because it cannot
be processed, or when an automatic debit is returned unpaid.  This fee may be charged
if a payment check is not honored the first time it is presented for payment, even if the
check  is  honored  when  subsequently  presented.    Over-limit  fee  of  $25.00  may  be
charged each month that my balance exceeds my maximum credit limit, as permitted
by applicable law

Summary of Terms

Classic Visa
Annual Percentage Rate 
(APR)
Platinum Visa
Annual Percentage Rate 
(APR)

Student Unsecured Visa
Annual Percentage Rate 
(APR)
Classic Secured Visa
Annual Percentage Rate 
(APR)

Standard APR:
17.99% (corresponding to a daily periodic rate of .049288)
on purchase and cash advances
Standard APR:
13.99% (corresponding to a daily periodic rate of .038329)
on purchase and cash advances

Standard APR:
17.99% (corresponding to a daily periodic rate of .049288)
on purchase and cash advances
Standard APR:
17.99% (corresponding to a daily periodic rate of .049288)
on purchase and cash advances

Grace Period for Repayment
of Balance for Purchase

25 days on purchases when the new balance on your Visa statement is paid in
full each month.  This excludes our Classic Secured Visa. There is no grace
period on cash advances

Method of Computing the
Balance for Purchases

Annual Fees

Over Limit Fee

The average daily balance method (including new purchases).

No Annual Fee

$25.00

Transaction Fee for Cash
Advance & Balance Transfer

A fee of 2% of the transaction amount will be assessed. This fee
has a minimum of $15 and a maximum of $300.

Rewards Program

Late Charge

No Fee

$25.00

UNSECURED AND STUDENT VISA ACCOUNT
The periodic finance charge on an account with a 25 (twenty-five) day grace period
on the purchase balance: For the advance balance, which consists of transactions
relatedto cash and loan advances, a periodic FINANCE CHARGE will be imposed on
advance transactions from the date they are posted to your account.  For the purchase
balance,which consists of transactions related to the purchases of property and serv-
ices, the periodic FINANCE CHARGE will not be imposed on purchase transactions if
the previous balance shown on the monthly statement is zero or if a payment or cred-
it for the full amount of the previous purchase balance was received within 25 (twen-
ty-five) days of the prior billing cycle closing date.  To compute the periodic FINANCE
CHARGE on purchases, we take each non-cash balance times the number of days that
particular balance was showing on the VISA loan.  The product of these multiplications
are added, and then are multiplied by the daily periodic rate to determine the amount
of FINANCE CHARGE on non-cash transactions.  To compute the periodic FINANCE
CHARGE on cash or loan advances, we take each cash advance balance times the
number of days that particular balance was showing on the VISA loan. The product of
these multiplications is added to determine the total cash advance balance; this is
multiplied by the daily periodic rate to determine the amount of FINANCE CHARGE on
cash transactions.  

Method A - The Finance Charge on Credit Purchases begins to accrue on the date each 
is posted to your account.  The Finance Charge on Cash Advances begins to accrue on
the date you obtain the Cash Advance or the first day of the billing cycle in which it is
posted to your account, whichever is later.  The Finance Charges for a billing cycle are
computed by applying the daily periodic rate to the average daily balance multiplied
by the number of days in the billing cycle OR the monthly Periodic Rate to the average
daily balance during the billing cycle, which is determined by dividing the sum of the
daily balances during the billing cycle by the number of days in the cycle.  Each daily
balance is determined by adding to the Previous Balance (the outstanding balance of
your account at the beginning of the billing cycle) any new Credit Purchases posted to
your account and any new Cash Advances received, and subtracting any payments as
received  or  credits  as  posted  to  your  account,  but  excluding  any  unpaid  Finance
Charges.

Method G - To avoid incurring an additional Finance Charge on the balance of Credit
Purchases (and Cash Advances, if this Method G is specified as applicable to Cash
Advances) reflected on your current statement and on any new Credit Purchases (and, 
if applicable, Cash Advances) appearing on your next statement, you must pay the
New Balance shown on your statement on or before the Payment Due Date.  The
Finance Charges for a billing cycle are computed by applying the daily periodic rate to
the average daily balance multiplied by the number of days in the billing cycle OR the
monthly Periodic Rate to the average daily balance of Credit Purchases (and, if appli-
cable, Cash Advances), which is determined by dividing the sum of the daily balances
during the billing cycle by the number of days in the cycle.  Each daily balance is deter-
mined by adding to the Previous Balance of Credit Purchases (and, if applicable, Cash
Advances) any new Credit Purchases posted to your account (and, if applicable, Cash
Advances as of the transaction date or the first day of the billing cycle in which post-
ed, whichever is later) and subtracting any payments as received and credits as post-
ed to your account, but excluding any unpaid Finance Charges.THE EFFECTIVE ANNU-
AL PERCENTAGE RATE WILL DIFFER FROM THE CORRESPONDING ANNUAL PERCENT-
AGE RATES IF CASH ADVANCE FEES HAVE BEEN INCLUDED.