MasterCard Disclosures

Annual Percentage Rate (APR) for Purchase	Platinum MasterCard 8.90% - 17.90%* Standard MasterCard 8.90% - 17.90%* Share Secured MasterCard 7.90%
Other APRs	Cash Advance Standard MasterCard...8.90% - 17.90%* Platinum MasterCard...8.90% - 17.90%* Share Secured MasterCard.........7.90% Balance Transfer Standard MasterCard...8.90% - 17.90%* Platinum MasterCard...8.90% - 17.90%* Share Secured MasterCard........7.90%
Grace Period for Purchases	25 Days
Method of  Computing the Balance for Purchases	Average Daily Balance (Including New Purchases)
Annual Fee	None
Minimum Finance Charge	None
Transaction Fee for Purchases	None

Transaction Fee for Domestic Purchases.........................................................None Foreign Transaction Fee..................................................................................1%** Transaction Fee for Cash Advances.................................................................$1.00 Balance Transfer Fee......................................................................................None Late Payment Fee.......................................................................................10%*** Over-the-Credit-Limit Fee.........................................................................$10.00****

* The ANNUAL PERCENTAGE RATE is based on credit-worthiness criteria. ** of transaction amount *** of unpaid amount past due, minimum $1.00, maximum $20.00 **** if 3% over your credit limit The information about the costs of the card described in this application is accurate as of 06/2007.  This information may have changed after that date.  To find out what may have changed, contact the credit union.

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