Home Equity VISA Gold Rates

Rate Information effective since 1/11/2009

Annual Percentage Rate	Daily Periodic Rate	Variable Rate Information	Annual Fee	Grace Period for Purchases	Minimum Finance Charge	Method of Computing the Balance for Purchases
5.25%	0.014384%	APR may vary each quarter, and is determined by adding a margin of 2.00 percentage points to the Prime Rate published in the Wall Street Journal 15 days before the end of the prior quarter.	None	You have an average of 25 days to repay your balance for purchases before being charged a finance charge.	None	Daily balance is computed by adding the current day's purchases to and subtracting the current day's credits from the previous daily balance.

Late Charge: 5% of the past due payment after 15 days of the due date
Over Limit Charge: $25.00

The account terms and charges stated above are accurate as of the effective date. Please contact the Credit Union at PO Box 70225, Eugene, OR 97401-0145 for any change in the card terms or disclosure.