FIRST FEDERAL GOLD 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 

35.00 

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: $50.00) 

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.