Credit Card Disclosure

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Credit Card Disclosures

Annual percentage rate for purchases and cash advances	9.9% APR Fixed (Platinum) 12.9% APR Fixed (Gold) 13.9% APR Fixed (Classic)
Other APRs	Cash advance APR: 9.9% APR (Platinum) 12.9% APR (Gold) 13.9% APR (Gold) Balance transfer APR: 9.9% (Platinum) 12.9% (Gold) 13.9% (Classic) Penalty rate: 17.9% (Explanation below)*
Grace period for repayment of balances for purchases	25 days on average
Method of computing the balance for purchases	Average Daily Balance (including new purchases)
Annual fee	None
Minimum finance charge	None
Transaction fee for cash advances: 1% of cash advance ($1.50 minimum, $10.00 maximum) Balance transfers are treated as cash advances and are subject to cash advance fees. Overlimit fee: $20.00 Late payment fee: $20.00 Returned payment check fee: $20.00 Returned convenience check fee: $20.00

* If you are five (5) days delinquent four (4) times, thirty (30) days delinquent two (2) times or sixty (60) days delinquent one (1) time in a twelve (12) month period, your APR will increase to the stated penalty rate.

The information describing the costs of the credit card are accurate as of January 1, 2007. This information is subject to change after this date. For changes write us at Columbus Metro Federal Credit Union, PO Box 13240, Columbus, OH 43213-0240

Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy members, and the credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.


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