Accurate as of April 1, 2008

Credit Card Type	VISA® Program A	VISA® Program B	VISA® Program C
Annual Percentage Rate (APR) for Purchases	11.90%	13.90%	Prime + 3.00%
Other APRs	Cash Advances: 11.90%	Cash Advances: 13.90%	Cash Advances: Prime + 3.00%
Variable-Rate Information	NA	NA	Your APR on purchases and cash advances may vary. The rate is determined monthly by adding 3.00% to the Prime Rate.*
Grace Period	25 days for the repayment of the balance for purchases	25 days for the repayment of the balance for purchases	25 days for the repayment of the balance for purchases
Method of Computing the Balance for Purchases	Average Daily Balance, including new purchases	Average Daily Balance, including new purchases	Average Daily Balance, including new purchases
Annual Fee	$12	$0	$25
Minimum Finance Charge	$.50	$.50	$.50

Transaction Fee for Cash Advances: $0

Over the Limit Fee: $0

Late Payment Fee**: $25

Replacement Card Fee: $12

Returned Item Fee***: $25

*The Prime Rate used to determine your APR is the rate published in The Wall Street Journal on the last dayof the previous month. **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.