Credit Card Rate Disclosure

Interest Rates and Interest
Charges

Visa Platinum
Option 1

Visa Platinum
Option 2

Annual Percentage Rate (APR)
for Purchases

APR for Balance Transfers

APR for Cash Advances

10.90%
Fixed

10.90%
Fixed

10.90%
Fixed

12.90%
Fixed

12.90%
Fixed

12.90%
Fixed

Penalty APR and When It Applies

None

How to Avoid Paying Interest on
Purchases

Your due date is at least 25 days for purchases, 0 days for
cash advances after the close of each billing cycle. We will
not charge you interest on purchases if you pay your entire
balance by the due date(Grace Period) each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than
$0.00

For Credit Card Tips From the
Federal Reserve Board

To learn more about factors to consider when applying for or
using a credit card, visit the website of the Federal Reserve
Board at http://www.consumerfinance.gov/learnmore.

Fees

Visa Platinum 1

Visa Platinum 2

Annual Fee

Transaction Fees

$12.00

$0.00

Balance Transfer

Cash Advances

Foreign Transaction

$0.00

$0.00

$1.0%

Penalty Fees

Late Payment*

$27 1st occurrence and $37
subsequent occurrence

Over-the-Credit-Limit

$0.00

Returned Payment*

$27 1st occurrence and $37
subsequent occurrence

*Late or Returned Payments will be charged $27 for the first occurrence and $37
for any subsequent occurrence of the same type that occurred during the same
billing cycle or during one of the next six billing cycles.

How We Will Calculate Your Balance:We use a method called "average daily balance"(including new
purchases).*An explanation of this method is provided in your account agreement.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights
is provided in your account agreement.

YOUR BILLING RIGHTS
This notice contains important information

about your rights and our responsibilities

under the Fair Credit Billing Act.

NOTIFY US IN CASE OF ERRORS OR
QUESTIONS ABOUT YOUR
STATEMENT. If you think your
statement is wrong, or if you
need more information about a
transaction on your statement,
write us on a separate sheet
at the address listed on your
statement. Write to us as soon
as possible. We must hear from
you no later than 60 days
after we sent you the first
statement on which the error
or problem appeared. You can
telephone us, but doing so
will not preserve your rights.

In your letter, give us the
following information:

Your name and account number.
The dollar amount of the
suspected 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 us to
pay a credit card account
automatically from your share
account or sharedraft account,
you can stop the payment on
any amount you think is wrong.
To stop the payment your
letter must reach us three
business days before the
automatic payment is scheduled
to occur.

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 send statements to
you for the amount you
questioned, 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 find that we
made a mistake on your
statement, you will not have

to pay any finance charges
related to any questioned
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 us within ten days
telling us that you still
refuse to pay, we must tell
anyone we reported you to
that you have a question
about your statement. And,
we must tell you the name
of anyone we report you to.
We must tell anyone we
report you to that the
matter has been settled
between us when it finally
is.

If we don't follow these
rules, we can't collect the
first $50 of the questioned
amount, even if your
statement was correct.

SPECIAL RULE FOR CREDIT
CARD PURCHASES. If you have
a 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: (a) 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 (b) 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.

When you use the ...

VISA Platinum Credit Card for the
purchase of goods or services,
the following benefits are yours!

Travel Accident Insurance

You, your spouse and dependent children up to
age 19 (age 25 if a full-time student at any
institution of higher learning) are
automatically covered with common carrier
travel accident insurance every time you
travel by air, bus, train, ship, taxi, or any
other common carrier anywhere in the world
when you charge your entire fare to our card.
This coverage is provided to you at NO EXTRA
COST.

With Visa Platinum Option 1 Only

ADVANTAGE-COMPLETE

Travel Reservation Service
Concierge Services
Personal Shopper

Prescription Discounts
Payment Card Registration
Key Registration
Travel Protection
- Lost Luggage Locator

Service

- Lost or Damaged Luggage

Insurance

- Hotel-Motel Burglary

CARDCENTIVES-PREMIUM

Bonus Travel Dividends

Automobile Rental Insurance

Vision Care Discounts

Medical Assistance Services

Quarterly Newsletter

Auto Rental Discount

$1,000 Identity Theft
Insurance

Identity Theft Victim
Assistance

Payment Card Registration

Travel Reservation Service

90-Days Product Protection

Extended Warranty

Personal Shopper

Price Guaranty

Concierge Services

Family Medical Information
Card