Blend the power of VISA Platinum with the special rates and Personalized Service Excellence of your Credit Union. Whether it’s that dream vacation, those special occasions, new furniture, or just shopping around town, you’ll always have the credit you deserve. Rates as low as 7.90% APR and no annual fee* Spending limits up to $50,000 and no rate increases for a late payment Never any transaction fees for Cash Advances or Balance Transfers Automatic Overdraft Protection option for your Credit Union Checking Account Payment Protection options available Comprehensive Purchase Security and Warranty Manager services VISA’s Zero Liability Policy and optional Verified by VISA Program protect against fraud** Fast and easy credit card approvals* Exclusive Travel Benefits for Platinum Cardholders - 24/7 emergency cash & card replacement - Auto rental insurance 24/7 account access via Online Banking and Telephone Banking

When Traveling, Take Your Passport. When Traveling, Dining, Shopping, Or Anything Else - Take Your VISA! Receive $25 When You Apply For Your VISA Credit Card Online***

* APR= Annual Percentage Rate. Not all Members will qualify for the lowest rate. Actual rate will be based on credit worthiness. Credit subject to approval, income, address, identification and other verifications. All disclosed VISA Credit Card loan terms, fees and charges are accurate as of 1/1/07 and are subject to change.
** If your payment is not made prior to the 10th day after your payment due date, you will be charged a Late Payment Fee. Finance Charges may be assessed, if your purchase balance payment in full is not made on or before your payment due date.