FIRST FEDERAL VISA/MASTERCARD VARIABLE RATE TRUTH IN 
LENDING DISCLOSURE REQUIRED BY FEDERAL          
REGULATIONS.   
Annual Percentage Rate for Purchases 
and Cash Advances 

Variable Rate Information 

Grace Period for Repayment of Balances 
for Purchases 

 7.15%. 
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 3.90% 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.  
You have 25 days to repay your balance for purchases 
before a finance charge on purchases will be imposed. 

Method of Computing the Balance for 
Purchases 

Average daily balance including new purchases. 

. Annual Fee 

. Minimum Finance Charge 

. Transaction Fee for Purchases 

. Late Payment  

. Returned Check  

. Overlimit  

. Foreign Transaction 

. Cash Advance 

None 

None 

None 

$6.80 

$25.00 

None 

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

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

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.