OnPoint Community 
         Credit Union
          Visa Credit Card 
            Agreement
      ONPOINT COMMUNITY CREDIT UNION
        VISA CREDIT CARD AGREEMENT
  1.  INTRODUCTION.
  This Agreement covers your Platinum VISA or Platinum VISA with 
  Rewards  Credit  Card  account,  issued  by  OnPoint  Community 
  Credit Union (�OnPoint�).  In this Agreement the words �you,� �your,� 
  �yours,� �applicant,� and �Borrowers� mean any person who signs the 
  application for this Account, any joint obligor, guarantor, authorized 
  user, or the person whose name is embossed on the Card.  The 
  words  �we,�   �our,�  and  �OnPoint�  means  OnPoint  Community 
  Credit Union.  The word �Card� means any one or more credit cards 
  issued under OnPoint�s Platinum and Platinum VISA with Rewards 
  Card program.  If you sign a written or online application for 
  this Account or sign or use any Card or PIN, or allow others 
  to use the Card or PIN, you and they will have accepted this 
  Agreement just as if you and they signed it, and you and they, 
  jointly and severally, will be bound by the following terms and 
  conditions which will govern this Account.
  2.  ACCOUNT ACCESS.
  A.   You must sign the Card  Purchases and Cash Advances.
  to use it.  Once you have signed the Card, you can use it to make 
  purchase, cash advance and balance transfer transactions up to 
  the full amount of your credit line.  You may use your Account to get 
  cash advances from OnPoint.  You may also use your Card to get a 
  cash advance from participating ?nancial institutions or automated 
  teller machines (ATMs).  You may use your Card to purchase 
  goods and services any place your Card is honored by participating 
  merchants.  No purchase amount may exceed the available funds 
  in your account.  Only credit card balance transfers you make from 
  another institution will be permitted and treated as a cash advance.  
  OnPoint reserves the right to refuse any transaction that would draw 
  upon insuf?cient funds.
  B.    VISA  Convenience  Checks. If  we  approve,  you  may 
  obtain advances under your Account by writing preprinted VISA 
  convenience loan checks that we supply to you.  Your use of loan 
  checks will be shown as cash advances on your monthly statement. 
  We may not honor your loan check if:  your check is post-dated; 
  payment of the check would exceed your Credit Limit; a check is 
  signed by a person without authorized access; the amount of the 
  check is less than the minimum required amount; your Account has 
  been terminated or suspended, or any drafts have been reported 
  lost or stolen.  You may stop payment on a loan check if you provide 
  OnPoint with the exact information describing the check.  If you 
  give OnPoint incorrect information, we will not be responsible for 
  failing to stop payment.  You understand there may be a charge 
  for each stop payment order requested.  Our liability for a wrongful 
  dishonor is limited to your actual charges, however, a dishonor 
  for the reasons stated above is not a wrongful dishonor.  Only the 
  person whose name is printed on a convenience check may sign 
  it.  All convenience checks must be written in U.S. dollars.  We 
  will not certify a convenience check.  You may write these checks 
  for any amount providing your total outstanding balance does not 
  exceed your available credit limit and your credit card remains in 
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  good standing.  We are entitled to return it unpaid if there is not 
  enough available credit on your account to pay it, if you are in 
  default under this Agreement, if your card or convenience checks 
  have been reported lost or stolen, or if the convenience check is 
  post-dated.  Over-limit fees will be charged as applicable.  A VISA 
  convenience check may not be used to make a payment on your 
  Account.  OnPoint shall have no liability for any convenience check 
  returned in excess of your credit line. 
  C.  In the event we have approved overdraft  Overdraft Advances.
  protection for you, for any overdrafts on a savings or checking 
  account of yours, we will treat the overdraft as a request for a cash 
  advance on your credit line and we will transfer this amount to your 
  overdrawn account. For purposes of this Agreement, an overdraft 
  advance will be treated as a cash advance.
  3.  YOU PROMISE TO PAY.
  You promise to pay OnPoint all such amounts, plus any FINANCE 
  CHARGES, which arise from use of the Card or Account by you or 
  any other person, and to be jointly and severally liable with such a 
  person, unless such other person does not have actual, implied, or 
  apparent authority for such use, and you received no bene?t from 
  the use.  You promise to pay OnPoint either by direct payment or by 
  automatic transfers from savings or checking.
  4.  CREDIT LINE.
  This Agreement  will  constitute  a  revolving  line  of  credit  for  an 
  amount, which will be the credit line under your Account.  You may 
  access your credit line through Card purchases, cash advances at 
  participating merchants and loan checks.  We will advise you of the 
  amount of your credit line on your statement.  That amount will be the 
  maximum amount you may have outstanding at any one time.  You 
  agree not to attempt to obtain more credit than the amount of your 
  credit line.  However, if you temporarily exceed your credit line, you 
  agree to pay any over-limit fees and repay the excess immediately, 
  even if we have not yet billed you.  Obtaining such credit does 
  not increase your credit line.  We retain the right to increase or 
  decrease your credit line at any time for any reason.  Any increase 
  or reduction on the limit of your credit line will be shown on your 
  monthly statement or by separate notice together with any changes 
  in the applicable minimum monthly payments.  Your eligibility for this 
  credit line is determined by our loan policy and may be terminated at 
  our sole discretion, without demand or notice.  You may close your 
  credit line at any time by notifying OnPoint in writing and returning all 
  Cards cut in half.  If you terminate this Agreement or if we terminate 
  or suspend your credit privileges, the provisions of this Agreement 
  and your liability hereunder shall otherwise remain in full force and 
  effect until you have paid OnPoint all sums due OnPoint under this 
  Agreement and returned all Cards.
  5.  MINIMUM MONTHLY PAYMENT.
  You agree that you will pay each month not less than the minimum 
  monthly payment on or before the scheduled monthly due date. 
  The minimum regular payment will be 3 percent of your outstanding 
  balance (�New Balance�) or $10.00, whichever is greater.  If your 
  outstanding balance is $10.00 or less, you agree to pay the balance 
  in full.  You may pay in full for all your purchases and cash advances 
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  each month, or you may repay in monthly installments.  We can 
  accept late payments or partial payments, or checks, drafts, and 
  money orders marked �payment in full,� without prejudice to our 
  rights under this Agreement, which are hereby explicitly reserved. 
  Generally, payments will be applied ?rst to over-limit fees, late 
  fees,  other  fees  and  charges,  accrued  FINANCE  CHARGES, 
  cash advances, purchases and any remaining amounts will be 
  applied to any other amount for which you are obligated under this 
  Agreement.
  6.  SECURITY INTEREST.
  You grant OnPoint a security interest under the Oregon Uniform 
  Commercial Code in any goods purchased with your Card.  You 
  agree that all collateral you have given OnPoint to secure 
  other open-end consumer loan obligations (except dwelling-
  secured  loans),  in  the  past  and  in  the  future,  will  secure 
  your obligations under this Agreement.  In addition, by signing 
  the Card Application, you have given OnPoint a security interest 
  in all your deposits, present and future, and all accounts (except 
  Individual Retirement Accounts) with OnPoint. You agree, upon 
  default, OnPoint may apply all that is secured to pay any amounts 
  due under this Agreement, without further notice to you. You also 
  agree that cross-collateralization is a condition of receiving your 
  card.
  7.  MONTHLY STATEMENTS .
  Each month we will send you a statement showing purchases, cash 
  advances, payments, and credits made to your Account during 
  the billing cycle, as well as your �New Balance,� any FINANCE 
  CHARGE and any late charge or other charges.  Your statement 
  also will identify the Minimum monthly payment you must make for 
  that billing period and the date it is due.  You agree to retain for 
  statement veri?cation copies of transaction slips resulting from each 
  purchase, each advance, and other transaction on your Account. 
  Unless you notify OnPoint of a billing error as described below, you 
  accept your monthly statement as an accurate statement of your 
  Account with OnPoint.
  8.  CIRCUMSTANCES UNDER WHICH A FINANCE CHARGE 
     WILL BE IMPOSED.
  The total outstanding balance of purchases and cash advances in 
  the Account on the closing date of a billing cycle, including any fees 
  and FINANCE CHARGES will be shown on the Periodic Statement 
  for that billing cycle as the �New Balance.� 
  A.  Cash Advances.   A FINANCE CHARGE will be imposed 
  on  cash  advances  (including  balance  transfers,  convenience 
  check advances and overdraft advances) from the date each cash 
  advance is made or the ?rst date of the billing cycle in which the 
  cash advance is posted, whichever is later, until such advances are 
  paid. There is no time period within which to pay to avoid a periodic 
  FINANCE CHARGE on cash advances, including balance transfers 
  and convenience check cash advances.
  B.   A  FINANCE  CHARGE  will  begin  to  accrue  Purchases. 
  on the date each purchase transaction is posted to your Account 
  until paid. A FINANCE CHARGE will not be imposed on new Card 
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  purchases included in the New Balance on your statement, if  the 
  entire previous balance is paid in full within 25 days after the closing 
  date or if you had no previous balance.  This �grace period� allows 
  you to avoid a FINANCE CHARGE on new purchases for a billing 
  cycle.  However, if you do not pay the entire previous Balance of 
  purchases within the grace period, your FINANCE CHARGE will 
  accrue from the date the transaction is posted. 
  9.  METHOD  USED  TO  DETERMINE  THE  BALANCE  ON 
    WHICH THE FINANCE CHARGE MAY BE COMPUTED AND 
    AMOUNT OF FINANCE CHARGE.
  We ?gure the Periodic FINANCE CHARGE on your Account by 
  applying the Periodic Rate to the �Average Daily Balance� of the 
  account including current purchases and cash advances for your 
  Account.  To get the �Average Daily Balance� we take the beginning 
  purchase and cash advance balances of your Account each day, 
  add  any  new  purchases  and  cash  advances  and  subtract  any 
  payments or credits, unpaid FINANCE CHARGES and unpaid late 
  charges.  The FINANCE CHARGE is determined by multiplying the 
  average daily balance by the number of days in the billing cycle and 
  applying the Periodic Rate to that amount.  No FINANCE CHARGE 
  is imposed on purchases if payments and credits are made suf?cient 
  to pay the �New Balance� shown on your periodic statement within 
  25 days of the closing date of the previous billing cycle. 
  10.  PERIODIC  RATE  AND  CORRESPONDING  ANNUAL 
    PERCENTAGE RATE (FIXED).
  The FINANCE CHARGE imposed during the billing cycle will be 
  determined by multiplying the Average Daily Balance by the Periodic 
  Rate for purchase, cash advance and balance transfer amounts. 
  The range of ?xed Periodic Rates and ANNUAL PERCENTAGE 
  RATES offered by OnPoint are as follows:
  Platinum VISA:
  Purchases     
  �	 3.99%  Introductory  ANNUAL  PERCENTAGE  RATE  for 
    Purchases-  during  the  1st  6  months  of  account  opening 
    (.333% Monthly Periodic Rate).
  �	 7.9% to 16.9%  ANNUAL PERCENTAGE RATE for Purchases 
    and all purchase balances after introductory period of 6 months 
    from open date (.658% to 1.408% Monthly Periodic Rate ).
  Balance Transfers
  6.99%  ANNUAL  PERCENTAGE  RATE  for  balance  transfer 
  amounts made in 1st 12 months of account opening (.583% Monthly 
  Periodic Rate). After 12 months from card opening date, ANNUAL 
  PERCENTAGE RATE for balance transfer amounts and existing 
  balance transfers same as Cash Advances.
  Cash Advances          
  9.9% to 17.9% ANNUAL PERCENTAGE RATE for Cash Advances 
  (.825% to 1.492% Monthly Periodic Rate). 
  Platinum VISA with Rewards:
  Purchases     
  �	 3.99%  Introductory  ANNUAL  PERCENTAGE  RATE  for 
    Purchases- during 1st 6 months of account opening (.333% 
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     Monthly Periodic Rate).
  �	 8.9% to 17.9%  ANNUAL PERCENTAGE RATE for Purchases 
     and all purchase balances after introductory period of 6 months 
     from open date (.742% to 1.492% Monthly Periodic Rate ).
  Balance Transfers
  6.99%  ANNUAL  PERCENTAGE  RATE  for  balance  transfer 
  amounts made in 1st 12 months of account opening (.583% Monthly 
  Periodic Rate). After 12 months from card opening date, ANNUAL 
  PERCENTAGE RATE for balance transfer amounts and existing 
  balance transfers same as Cash Advances.
  Cash Advances           
  10.9% to 17.9% ANNUAL PERCENTAGE RATE for Cash Advances 
  (.908% to 1.492% Monthly Periodic Rate). 
  The  Periodic  Rate  and  ANNUAL  PERCENTAGE  RATE  for 
  purchases  and  balance  transfers  during  the  6  and  12  month 
  introductory  periods  following  account  opening  are  set  forth 
  above. The Periodic Rate and ANNUAL PERCENTAGE RATE for 
  purchases, cash advances and balance transfer amounts that will 
  apply to new activity and existing balances on  your account after 
  the introductory periods will be based upon your credit quali?cation 
  and risk rating assigned by OnPoint to you at the time credit is 
  granted and whenever credit is reviewed. Your Periodic Rate and 
  ANNUAL PERCENTAGE RATE for purchases and cash advances 
  will be disclosed to you separately prior to use of your Card and will 
  be shown on each monthly statement. 
   The �Total FINANCE CHARGE� shown on your monthly statement 
  consists of the periodic FINANCE CHARGE on purchases and the 
  periodic FINANCE CHARGE on cash advances. In the event you 
  are in default of this Agreement or if you have more than one late 
  payment in twelve (12) months the ANNUAL PERCENTAGE RATE 
  on your entire outstanding balance will be increased to 17.9% on the 
  ?rst day of the new billing cycle following the late payment or notice 
  of default and will continue until you have 12 months without any 
  late payments or you satisfy the default condition. 
  11.  CONDITIONS UNDER WHICH OTHER CHARGES MAY BE 
     IMPOSED.
  We may impose the following fees and charges on your Account:
  A.   If we do not receive your minimum payment within  Late Fee.
  3 days of the due date, we may impose a Late Fee of $30.00 
  (balances  >$1000);  $20  (balances  $100-$1000);  $10  (balance 
  $99 or less). If you have more than one late payment in twelve 
  (12) months your account may be subject to a default ANNUAL 
  PERCENTAGE RATE as set forth above.
  B.    If  the  unpaid  balance  of  your  account  Over-Limit  Fee.
  exceeds the Credit Line stated on your monthly billing statement, 
  we may impose an over-limit fee of $30.00. We reserve the right to 
  refuse any transaction that exceeds your credit limit. 
  C.   If any check we receive from you as  Returned Item Fee.
  payment on your Account is returned to OnPoint unpaid or for any 
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  convenience check drawn on your Account is returned unpaid, we 
  may impose a returned item fee of $30.00.
  D.    We  may  impose  a  $5.00  card  Card  Replacement  Fee.
  replacement  fee  for  each  VISA  card,  which  is  lost,  stolen,  or 
  damaged.  
  E.  Annual Fee.   There is no annual fee for use of your Card and 
  account.
  F.  Miscellaneous Photocopying .  If you request a copy of a 
  sales draft or other document, we may charge your Account $2.00 
  per copy and $25.00 per hour.  These charges cover the costs of 
  locating, copying, and delivering the documents to you.  If a request 
  is related to a billing error and an error is found, we will reverse any 
  photocopying charges.
  G.   If you use an ATM to obtain a cash advance and  ATM Fees.
  the ATM is not operated by OnPoint, you may be charged an ATM 
  surcharge by the ATM operator or an ATM network utilized for such 
  a transaction.  The ATM surcharge may be charged to your account 
  if you complete the transaction.
  H.   If you default on any part of  Attorney�s Fees and Costs.
  this Agreement, you agree to pay OnPoint all costs to collect your 
  Account, including court costs and reasonable attorney fees and 
  collection agency costs whether or not there is a lawsuit, and fees 
  on any appeal and fees for bankruptcy proceedings, appeals, and 
  any post judgment collection services, if applicable.
  12.  CONDITIONS OF CARD USE.
  The use of your Card and Account are subject to the following 
  conditions:
  A.   Any Card or other credit instrument or  Ownership of Cards.
  device which we supply to you is our property and must be returned 
  to OnPoint, or to any person whom we authorize to act as our agent, 
  or to any person who is authorized to honor the Card, immediately 
  according to instructions.  The Card may be repossessed at any 
  time at our sole discretion without demand or notice.  You cannot 
  transfer your Card or Account to another person.  You may not use 
  the Card for any illegal or unlawful transactions and we may decline 
  to authorize any transaction that we believe poses an undue risk of 
  illegality or unlawfulness.
  B.   Neither we nor merchants authorized to  Honoring the Card.
  honor the Card will be responsible for the failure or refusal to honor 
  the Card or any other credit instrument or device we supply to you. 
  If a merchant agrees to give you a refund or adjustment, you agree 
  to accept a credit to your Account in lieu of a cash refund.
  C.  Currency Conversion /Foreign Transaction Fee. Purchases 
  and cash advances made in foreign countries will be billed to you 
  in  U.S.  dollars.  The  currency  conversion  rate  for  international 
  transactions as established by VISA International, Inc. is a rate 
  selected by VISA from the range of rates available in wholesale 
  currency markets for the applicable central processing date, which 
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  rate may vary from the rate VISA itself receives, or the government-
  mandated rate in effect for the applicable central processing date. 
  In addition, you will be charged a Foreign Transaction Fee of 1% of 
  the transaction amount for any card transaction made in a foreign 
  country.
  D.  Notices and Payments .  All notices will be sent to your 
  address as shown on your OnPoint account.  You agree to advise 
  OnPoint promptly if you change your mailing address.  All payments 
  should be mailed to OnPoint at the remittance address shown on 
  your monthly statements.  Payments received at that address will 
  be credited to your Account as of the date received.
  E.  The personal identi?cation number  Security of Access Code.
  (PIN) or access code that you select is for your security purposes. 
  The access code is con?dential and should not be disclosed to third 
  parties or recorded. You are responsible for safekeeping your access 
  code. You agree not to disclose or otherwise make your access code 
  available to anyone not authorized to sign on your accounts. If you 
  authorize anyone to have or use your access code, you understand 
  that person may review all of your account information and make 
  account transactions. Therefore, we are entitled to act on transaction 
  instructions received using your access code and you agree that the 
  use of your access code will have the same effect as your signature 
  authorizing transactions. If you authorize anyone to use your access 
  code in any manner that authority will be considered unlimited in 
  amount and manner until you speci?cally revoke such authority by 
  notifying OnPoint and changing your access code immediately. You 
  are responsible for any transactions made by such persons until 
  you notify OnPoint that transactions and access by that person are 
  no longer authorized and your access code is changed. If you fail to 
  maintain or change the security of these access codes and OnPoint 
  suffers a loss, we may terminate your electronic funds transfer and 
  account services immediately.
  13.  DEFAULT .
  You will be in default under this Agreement if any of the following 
  occur:  (a) Any minimum monthly payment is not made when due; 
  (b) You become insolvent, bankrupt, or you die; (c) You violate any 
  part of this Agreement, or any other agreement with OnPoint; or (d) 
  if we reasonably deem ourselves insecure on your credit line.  We 
  will notify you in writing of any such action as soon as practical if it 
  occurs.  Upon default, we may declare the entire unpaid balance 
  immediately due and payable, and you agree to pay that amount 
  plus any attorney�s fees and costs including collection agency costs 
  incurred by OnPoint.  We can delay enforcing any right under this 
  Agreement without losing that right or any other right. A negative 
  credit report re?ecting on your credit record may be submitted 
  to a credit-reporting agency if you fail to ful?ll the terms of this 
  Agreement.
  14.  CREDIT INFORMATION/FINANCIAL STATEMENTS.
  You authorize OnPoint to release information to others (e.g., credit 
  bureaus, merchants, and other ?nancial institutions) regarding the 
  status and history of your credit line.  You agree to provide OnPoint, 
  at any time we deem necessary, with a current ?nancial statement 
  and updated credit information upon request.  We may investigate 
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  your credit directly or through a credit reporting agency.
  15.  LOSS OR THEFT OF VISA CREDIT CARD 
  You agree to notify OnPoint immediately of the loss, or the theft, 
  or the use without your permission, of any Card or other credit 
  instrument or device, which we supply to you.  You may be liable for 
  the unauthorized use of your Card. You will need to notify: OnPoint 
  Community Credit Union, PO Box 31112, Tampa FL 33631-3112 
  or Telephone: 1-866-820-3101 orally or in writing of loss, theft, or 
  possible unauthorized use. If you notify OnPoint of your lost or 
  stolen Credit Card after discovery, you may not be liable for any 
  losses related to credit transactions.  This zero liability will apply 
  provided you were not grossly negligent or fraudulent in handling 
  your Card; otherwise your liability for unauthorized VISA Credit Card 
  transactions shall not exceed $50. 
  16.  BILLING ERRORS NOTICE RIGHTS FOR VISA CREDIT 
    CARD TRANSACTIONS.
  A.  Notify OnPoint in Case of Errors or Questions About Your 
  Statement.  This notice contains important information about your 
  rights and our responsibilities for VISA Credit Card transactions 
  under the Fair Credit Billing Act.  If you think your statement is 
  wrong, or if you need more information about a transaction on your 
  statement, write to OnPoint at the address listed above.  Write to 
  OnPoint as soon as possible.  We must hear from you no later than 
  60 days after we sent you the ?rst statement on which the error or 
  problem appeared.  You can telephone OnPoint, but doing so will 
  not preserve your rights.  In your letter, give OnPoint the following 
  information:
  .  Your name and account number.
  .  The  dollar  amount  of  the  suspected  VISA  Credit  Card 
  transaction error.
  .  Describe the error and explain, if you can, why you believe 
  there is an error.  If you need more information, describe the item 
  you are not sure about.
   
  If you have authorized OnPoint to pay your Account Statement 
  automatically from your checking account, you can stop the payment 
  on any amount you think is wrong.  To stop the payment your letter 
  must  reach  OnPoint  three  business  days  before  the  automatic 
  payment is scheduled to occur.
  B.  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 statement 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 ?nd that we made a mistake on your statement, you will not 
  have to pay any FINANCE CHARGE related to any questioned 
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  amount.   If  we  didn�t  make  a  mistake,  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 that we think you owe, we may report 
  you as delinquent.  However, if our explanation does not satisfy you 
  and you write to OnPoint within ten days telling OnPoint that you still 
  refuse to pay, we must tell anyone we report you to that you have a 
  question about your statement.  And, we must tell you the name of 
  anyone to whom we reported you.  We must tell anyone we report 
  you to that the matter has been settled between OnPoint when it 
  ?nally is.  If we don�t follow these rules, we can�t collect the ?rst $50 
  of the questioned amount, even if your statement was correct.
  C.   If you have a  Special Rule for Credit Card Purchases.
  problem with the quality of property or services that you purchased 
  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:
  i.  You must have made the purchase in your home state or if 
  not within your home state within 100 miles of your current mailing 
  address; and
  ii.  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.
  17.  AMENDMENTS .
  We have the right to change any terms and conditions, subject to 
  applicable laws, of this Agreement at any time.  If we change the 
  periodic rate, and subsequent purchases or advances are made 
  under this Agreement, the entire balance will be subject to the new 
  rate.
  18.  GOVERNING LAW.
  This Agreement will not take effect until it is approved by OnPoint. 
  This Agreement shall be governed by the laws of the State of 
  Oregon.
  19.  NOTICE AND AGREEMENT. 
  You understand and agree to the terms and conditions in this VISA 
  Credit Card Agreement. You acknowledge that you have received 
  a copy of the Agreement. This Agreement is a ?nal expression of 
  the agreement between you and OnPoint.  This Agreement may 
  not be contradicted by evidence of any oral agreement or alleged 
  oral agreement and contains the terms applicable to the credit 
  transaction.
  5/09
                10       M-97084
 Rates and Fees  Rates and Fees 
 �             �
 Platinum Visa  with Rewards Platinum Visa  with Rewards
 Annual Percentage Rate (APR) for purchases  Annual Percentage Rate (APR) for purchases 
 �    3.99% (introductory APR during ?rst six months of account) �    3.99% (introductory APR during ?rst six months of account)
 �    8.9% - 17.9% (after ?rst six months of account) �    8.9% - 17.9% (after ?rst six months of account)
 Other APRs Other APRs
 �  Introductory Balance Transfer APR: 6.99% (during ?rst 12 months of the transfer) �  Introductory Balance Transfer APR: 6.99% (during ?rst 12 months of the transfer)
 �  Cash Advance: 10.9%-17.9% �  Cash Advance: 10.9%-17.9%
 �  Balance Transfer APR: 10.9%-17.9% (after 12 months) �  Balance Transfer APR: 10.9%-17.9% (after 12 months)
 �  Default APR: 17.9%** �  Default APR: 17.9%**
 Platinum Visa Platinum Visa
 Annual Percentage Rate (APR) for purchases  Annual Percentage Rate (APR) for purchases 
 �    3.99% (introductory APR during ?rst six months of account) �    3.99% (introductory APR during ?rst six months of account)
 �    7.9% - 16.9% (after ?rst six months of account) �    7.9% - 16.9% (after ?rst six months of account)
 Other APRs  Other APRs 
 �  Introductory Balance Transfer APR: 6.99% (during ?rst 12 months of the transfer)  �  Introductory Balance Transfer APR: 6.99% (during ?rst 12 months of the transfer) 
 �  Cash Advance: 9.9%-17.9% �  Cash Advance: 9.9%-17.9%
 �  Balance Transfer APR: 9.9%-17.9% (after 12 months)  �  Balance Transfer APR: 9.9%-17.9% (after 12 months) 
 �  Default APR: 17.9%** �  Default APR: 17.9%**
 Other Card Terms Other Card Terms
 �  Variable rate information: Not applicable  �  Variable rate information: Not applicable 
 �  Grace period for repayment of purchase balances: 25 days �  Grace period for repayment of purchase balances: 25 days
 �  Method of computing the balance for purchases: Average daily balance method  �  Method of computing the balance for purchases: Average daily balance method 
 (including new purchases) (including new purchases)
 �  Annual Fees: None �  Annual Fees: None
 �  Late payment fees:  �  Late payment fees: 
 �  $30 for balances > $1000 �  $30 for balances > $1000
 �  $20 for balances $100-$1000 �  $20 for balances $100-$1000
 �  $10 for balances < $100 �  $10 for balances < $100
 �  Fee for exceeding credit limit: $30 �  Fee for exceeding credit limit: $30
 �  Foreign transaction fee: Up to 1% of the US dollar amount of the foreign transaction �  Foreign transaction fee: Up to 1% of the US dollar amount of the foreign transaction
 ** Your APR may increase if you are in default of any provision of the Agreement or if  ** Your APR may increase if you are in default of any provision of the Agreement or if 
 you have more than one late payment in any 12-month period. We reserve the right to  you have more than one late payment in any 12-month period. We reserve the right to 
 change the account terms, including APRs, at any time for any reason. The above rates  change the account terms, including APRs, at any time for any reason. The above rates 
 and fees are current as of June 15, 2009. and fees are current as of June 15, 2009.