ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES

VISA CLASSIC

12.5%

VISA PLATINUM

6.9%

OTHER APRS CASH ADVANCE APR

       BALANCE TRANSFER APR:

12.5%

12.5%

6.9%

6.9%

GRACE PERIOD FOR REPAYMENT OF BALANCES FOR PURCHASES

25 DAYS

25 DAYS

METHOD OF COMPUTING THE BALANCE FOR PURCHASES

AVERAGE DAILY BALANCE

(INCLUDING NEW PURCHASES)

AVERAGE DAILY BALANCE

(INCLUDING NEW PURCHASES)

ANNUAL FEE

NONE

NONE

MINIMUM FINANCE CHARGE

NONE

NONE

TRANSACTION FEE FOR PURCHASES

NONE

NONE

TRANSACTION FEE FOR CASH ADVANCES:

NONE

NONE

LATE PAYMENT FEE:

$10.00

$10.00

OVER THE CREDIT LIMIT FEE:

$10.00

$10.00

DOCUMENTATION FEE:

$10.00

$10.00

RETURNED CHECK FEE:

$10.00

$10.00

NEW OR REPLACEMENT CARD FEE:

$10.00

$10.00

CARD RECOVERY FEE:

$65.00

$65.00

EMERGENCY CASH OR CARD REPLACEMENT FEE (PREMIUM CARD ONLY) 1-800-VISA-911

$45.00

$45.00