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VISA Classic Application and Solicitation Disclosure Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 9.90% to 13.40% when you open your account, based on your creditworthiness. APR for Cash Advances 9.90% to 13.40% when you open your account, based on your creditworthiness. Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50 . The minimum interest charge will be charged on any dollar amount. How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. 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 Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. Fees Transaction Fees - Foreign Transaction Fee 1.00% of each transaction in U.S. dollars Penalty Fees - Late Payment Fee - Over-the-Credit Limit Fee - Returned Payment Fee Up to $29.00 Up to $25.00 Up to $25.00 How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)." Effective Date. The information about the costs of the card described in this application is accurate as of November 01, 2010. This information may have changed after that date. To find out what may have changed, contact the Credit Union. OTHER DISCLOSURES Late Payment Fee $25.00 or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles following the violation, you will be charged F13 or the amount of the required minimum payment, whichever is less. Over-the-Credit Limit Fee $25.00 or the amount of the transaction exceeding your credit limit, whichever is less. Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less. Rush Fee $25.00 Emergency Card Replacement Fee $150.00 Card Replacement Fee $25.00 Card Recovery Fee $65.00 Pay-by-Phone Fee $10.00 Documentation Fee $25.00

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* Membership Eligibility: Individuals must live or work in Kankakee, Ford, Iroquois, or Will counties.