Credit Card Rates

Accurate as of October 1st, 2009

Credit Card Type	Visa® Program A	Visa® Program B
Annual Percentage Rate (APR) for Purchases	11.90%	13.90%
Other APRs	Cash Advances: 11.90%	Cash Advances: 13.90%
Variable-Rate Information	NA	NA
Grace Period	25 days for the repayment of the balance for purchases	25 days for the repayment of the balance for purchase
Method of Computing the Balance for Purchases	Average Daily Balance, including new purchases	Average Daily Balance, including new purchases
Annual Fee	$12	$0
Minimum Finance Charge	$.50	$.50

Transaction Fee for Cash Advances
Over the Limit Fee
Late Payment Fee**
Replacement Card Fee
Returned Item Fee***

$0
$0
$25
$12
$25

**The late payment fee is charged if your payment is received more than one (1) day late.
***The returned item fee is charged when your payment to your account is returned.