VISA PLATINUM DISCLOSURE
                                  
      
                          Credit Tier 3       Credit Tier 2        Credit Tier 1 
      Interest Rates and Interest Charges  
                     10.99% to 18.0%     9.99% to 18.0%       7.99% to 18.0% 
      Annual Percentage Rate  1               1                   1
                     Variable            Variable            Variable  
      (APR) for purchases and 
      balance transfers 
                     11.99% to 18.0%     10.99% to 18.0%      8.99% to 18.0% 
                          1                   1                   1
                     Variable  Rewards   Variable  Rewards   Variable  Rewards 
                     Prime plus 7.74%    Prime plus 6.74%    Prime plus 4.74% 
      Variable Rate Information 
                     Prime plus 8.74% Rewards  Prime plus 7.74% Rewards  Prime plus 5.74% Rewards 
      Annual Percentage Rate 
                  2
      (APR) for cash advances   17.9%    17.9%               17.9% 
                     Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases if you pay 
      Paying Interest  your entire 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      None                None 
      How we will calculate your  Average daily balance (including new  Average daily balance (including new  Average daily balance (including new 
      balance        purchases)          purchases)          purchases) 
      For credit card tips from the 
                     To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial 
      Consumer Financial 
                     Protection Bureau at http://www.consumerfinance.gov/learnmore. 
      Protection Bureau 
      Fees  
      Annual Fee     None                None                None 
      Balance Transfer Fee  None         None                None 
      Late Fee       Up to $25.00 
      Foreign Transaction Fee  1% of the transaction amount.  1% of the transaction amount.  1% of the transaction amount. 
      Over Limit Fee  None               None                None 
      Card Benefits  
             3       Earn one (1) reward point for every $1  Earn one (1) reward point for every $1  Earn one (1) reward point for every $1 
      Rewards Points  
                     you spend           you spend           you spend 
                     Online purchases are secure when you  Online purchases are secure when you  Online purchases are secure when you 
      Verified by Visa 
                     register            register            register 
      
     Applications are subject to credit approval. Your rate and credit limit will be determined by individual credit worthiness including income, debt ratio, employment 
      and credit history. Must be 18 years of age to qualify. Verification of income may be required. 
      Membership account required. Must have an open savings account that carries a $5.00 minimum balance.   
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your cardholder agreement. 
     1
      Variable Rate Information: The Annual Percentage Rate may increase or decrease when the Prime Rate Index �PRI� increases or decreases.  The Prime Rate 
     Index is the highest prime rate published in the Wall Street Journal on the last business day of each month. If this index is no longer available, the credit union will 
     choose a new index which is comparable to the index described herein.   
     2
      Applies to new and existing cash advance balances. 
     3
      Redemption of reward points is subject to the terms and conditions of rewards program. 
                                                                                 
     Rev 11/2014 Federally insured by NCUA.                                Page 1 of 1