Loan Rates: VISA Credit Cards

Rates as of Sunday, August 1, 2010

Loan Type Purchase APR* Repayment Terms Personal VISA Platinum 9.5% fixed** revolving Personal VISA Classic 12.9% fixed revolving Student VISA Classic 12.9% fixed revolving Business VISA Classic 12.9% fixed revolving

Rates and conditions are subject to change without notice.

*Annual Percentage Rate (APR) for purchases. Subject to credit approval. **electronic payment required (automatic payment or funds transfer via E-Max or Tele-Max) Cash advances: 12.9% for all cards. Balance Transfers: no fee. 12.9% for all cards. Annual fee: none. Late Fee: 5% of payment or $15.99, whichever is greater. Grace period: If you pay your new balance in full within 25 days of your billing date each month you will avoid finance charges on purchases. Method of Computing Balances for Purchases: Average Adjusted Daily Balance (including current transactions).