1070 Edgefield Road
P.O. Box 6730
North Augusta, SC 29861
Federal Credit Union (800)237-9829
IMPORTANT CREDIT CARD DISCLOSURES
The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of 01/01/2015. You can contact us toll free at (800) 237-9829 or 1070 Edgefield Road, P.O. Box 6730, North Augusta, SC 29861 to inquire if any changes occurred since the effective date.
INTEREST RATES and INTEREST CHARGES:				
Annual Percentage Rate (APR) for Purchases and Cash Advances	VISA PLATINUM NO FRILLS	VISA TRAVEL REWARDS	VISA CASH BACK	VISA CLASSIC
	6.25-14.25% depending on your credit history. This APR will vary with the market based on the Prime Rate.	8.25-18.00% depending on your credit history. This APR will vary with the market based on the Prime Rate.	8.25-18.00% depending on your credit history. This APR will vary with the market based on the Prime Rate.	13.90%
APR for Balance Transfers	0% Introductory APR for 6 months from the date of the first balance transfer that posts to your account. After that, your Standard APR will be depending on your credit history. This APR will vary with the market based on the Prime Rate.	0% Introductory APR for 6 months from the date of the first balance transfer that posts to your account. After that, your Standard APR will be depending on your credit history. This APR will vary with the market based on the Prime Rate.	0% Introductory APR for 6 months from the date of the first balance transfer that posts to your account. After that, your Standard APR will be depending on your credit history. This APR will vary with the market based on the Prime Rate.	0% Introductory APR for 6 months from the date of the first balance transfer that posts to your account. After that, your Standard APR will be 13.90 o/o
	Use by date: Your first balance transfer must be added to your account by 6/30/2015 for the Introductory APR to apply to the transaction. If your first balance transfer posts after that date, we may honor the transaction but you will not receive the Introductory APR. Instead, the standard APR for your account will apply. See below for subsequent balance transfers.**			
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 Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau's web site at http://www.consumerfinance.gov/learnmore.			
FEES:				
Fees to Open or Maintain your Account -	Annual Fee: -	Application Fee:	None None			
Transaction Fees -	Balance Transfer: -	Cash Advance: -	Foreign Transaction:	None None 1% of each transaction in U.S. dollars if the transaction involves a currency conversion 1% ofeach transaction in U.S. dollars if the transaction does not involve a currency conversion			
Penalty Fees -	Late Payment: -	Over-the-Credit Limit: -	Returned Payment:	Up to $15.00 if your payment is late 15 days or more None Up to $10.00 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)."
Loss of Introductory Rate: We may end your Introductory Rate and apply the standard APR disclosed above ifyou make a late payment.
**Subsequent Balance Transfers: Any additional balance transfers made within 6 months of the first balance transfer will also receive the Introductory APR, but only for the remainder of the 6 month period following the first balance transfer. For example, if the first transfer was made on March 1,2015, the Introductory APR would apply through August 31,2015. If a second balance transfer was made on June 1,2015, the Introductory APR would apply to the second balance transfer only through August 31,2015. After that, the Standard APR would apply.
9013 LASER FPDF FI18003 Rev 11-2014	page 1 of 3	COPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.