Visa Credit Card Disclosures

Annual percentage rate (APR) for purchases GOLD: 7.9% - 9.9%*
CLASSIC: 11.9% - 17.9%*
SAVINGS SECURED: 13.9%*
STARTER CARD: 17.9%*

Other APRs
Balance Transfer and Cash Advances
Penalty Rate (** See explanation below)

SAME AS PURCHASE RATE
18.0%**

Grace Period for Repayment of Balance for Purchases You Have 25 days to repay your balance before a finance charge on purchases will be imposed.

Method of Computing the Balance for Purchases
Average Daily Balance (including new transactions).

Annual Fees - None
Minimum Finance Charge - None
Transaction Fee for Purchases - None

Transaction Fee for Cash Advances
None, interest accrues from date cash advance is made.

Late Payment Fee
$20 (applies if more than 5 days late)

Over-time-Limit Fee
$10 ($10, if more than 1% over your limit)

NOTICE: READ AND RETAIN THIS VISA CARD AGREEMENT AND DISCLOSURE FOR FUTURE REFERENCE.

New York Residents: We may obtain your credit report in connection with this extension of credit, and subsequently for updates, collection or other legitimate purposes associated with extension of the credit. Ohio Residents: Ohio anti-discrimination laws require creditors to make credit equally available to all creditworthy customers and that credit reporting agencies maintain separate credit histories on individuals upon request. The Ohio Civil Rights Commission administers compliance with this law. Vermont Residents: by responding to this offer of credit, you consent to our obtaining your credit report in connection with this extension of credit, and subsequent credit reports for the purpose of reviewing the account, increasing the credit line, taking collection action or other legitimate purposes associated with your account. Married Wisconsin Residents: no provision of any marital property agreement, unilateral statement, or court order applying to marital property will adversely affect the Credit Union's interest unless prior to the time credit is granted, the Credit Union is furnished with a copy of the agreement, statement or court order, or has actual knowledge of the provision.

*Rates quoted as APR, annual percentage rate. Your precise rate will depend on your credit worthiness. You must qualify for the lowest rate. Contact the Credit Union for the current rate you qualify for.

PENALTY RATE:** If you are thirty (30) or more days delinquent in making payments three times in a twelve (12) month period, the APR on your account will increase to the penalty rate of 18%.

NON-SUFFICIENT FUNDS FEE: A Non-Sufficient Funds fee of $25 will be charged to your account for any check returned unpaid. We will charge you this fee the first time any payments returned unpaid, even if paid upon resubmission.

TRAVEL ACCIDENT INSURANCE: Travel accident insurance of up to $500,000 for Gold and up to $250,000 for Classic, Starter and Savings Secured card available only when charges for a common carrier tickets are made to a Unity One CU VISA card.

LOST/STOLEN CARDS: If you notify us orally or in writing at VISA Customer Service - Credit Card Security Dept., PO Box 30495, Tampa, FL, 33630; (800) 325-3678, within two (2) business days of a loss, theft, or possible unauthorized use of your card, you will not be liable for any unauthorized purchases.

The information about the costs and fees of the card described in this application is accurate as of November 1, 2005. This information may have changed after that date. To find out what may have changed, call us at (800) 628-5517 or write us at: Unity One Credit Union, 6701 Burlington Blvd., Ft. Worth, TX 76131

Print Disclosure

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