SRP Federal Credit Union

VISA^® Credit Cards Disclosure

VISA Classic Card Disclosure

VISA Platinum Cards Disclosure

Annual
Percentage
Rate (APR)
for Purchases

VISA Classic
13.90%

Annual
Percentage
Rate (APR)
for Purchases

VISA Platinum
6.25%-18.00% Variable
No Frills*
8.25%-18.00% Variable
Gift/Travel Rewards*
8.25%-18.00% Variable
Cash Back Rewards*

Cash Advance APR

13.90 %

Other APRs

Cash Advance APR and Balance Transfer APR:
6.25%-18% Variable No Frills*
8.25%-18% Variable Gift/Travel Rewards*
8.25%-18% Variable Cash Back Rewards*
Penalty APR: 18%**

Variable Rate Information

Not applicable

Variable Rate Information

Your APR may vary quarterly. The rate for purchases, cash advances and balance transfers is determined by adding the applicable margin to the Prime Rate* reported by the "Wall Street Journal".

Grace Period
for Purchases

25 Days

Grace Period
for Purchases

25 Days

Method of
Computing the Balance for Purchases

Average Daily Balance
(Including new purchases)

Method of
Computing the Balance for Purchases

Average Daily Balance
(Including new purchases)

Annual Fee

None

Annual Fee

None

Minimum
Finance Charge

None

Minimum
Finance Charge

None

International Transaction Fee. . . . . . . . . . . . . . . . . . .	1%*
Cash Advance Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . (the grace period does not apply to cash advances).	None
Late Payment Fee . . . . . . . . . . . . . . . . . . . . . . . . . . .	$10.00
Over-the-Credit Limit Fee . . . . . . . . . . . . . . . . . . . . . .	$10.00

*Of converted transaction amount.

The information about the costs of the card described in this application is accurate as of 11-2009. This information may have changed after that date. To find out what may have changed, contact SRP Federal Credit Union at 803.278.4851 or toll free 1.800.237.9829 or write to PO Box 6730, North Augusta, SC 29861-6730, Attn: VISA Department.

International Transaction Fee. . . . . . . . . . . . . . . . . . . .	1%***
Cash Advance Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . (the grace period does not apply to cash advances).	None
Late Payment Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . .	$10.00
Over-the-Credit Limit Fee . . . . . . . . . . . . . . . . . . . . . . .	$10.00

*The Prime Rate used to determine your APR is the rate published in the "Money Rates" table of the Wall Street Journal on the last business day of each quarter. Your APR will be determined by your credit worthiness.

**Applies to all cards if you are sixty (60) or more days delinquent.

***Of converted transaction amount.

The information about the costs of the card described in this application is accurate as of 11-2009. This information may have changed after that date. To find out what may have changed, contact SRP Federal Credit Union at 803.278.4851 or toll free 1.800.237.9829 or write to PO Box 6730, North Augusta, SC 29861-6730, Attn: VISA Department.

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