Visa Card Disclosures

METRO FEDERAL CREDIT UNION
CREDIT CARD DISCLOSURES
General Requirement: Membership in METRO and a $50 Savings Account Balance.
Credit Card Program	Visa Classic	Visa Gold Minimum Credit Line $5,000	Visa Gold Plus Minimum Credit Line $5,000
Annual Percentage Rate (APR) for: Purchases, Cash Advances, & Balance Transfers	Fixed Rate of 13.8%₍₁₎	Fixed Rate of 12.8%₍₁₎	Fixed Rate of 11.8%₍₁₎
Method of Computing Balance for purchases	Average daily balance including new purchases	Average daily balance including new purchases	Average daily balance including new purchases
Annual Membership Fee	None	None, with $5000 in Annual Purchases, otherwise $25	$25
Grace Period for Purchases	25 days	25 days	25 days
Late Payment Fee	$30	$30	$30
Over The Limit Fee	$25	$25	$25
Cash Advance Fee	None	None	None
Balance Transfer Fee Retuned Payment Fee Statement Copy Fee Card Replacement Fee Lost Card Recovery Fee	None $25 $5 $15 $0	None $25 $5 $15 $0	None $25 $5 $15 $0
Unauthorized Use Liability	$0	$0	$0
(1) The Annual Percentage Rate (APR) for Purchases, Cash Advances and Balance Transfers is Fixed. (2) Late Charge: If the minimum required payment is not received and posted by the payment Due Date listed on your statement, a late charge of $25.00 will be imposed. (3) Over The Limit Fee: The fee is applied when a balance is 10% or more over the limit. (4) A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire new balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire new balance shown on your previous monthly statement within that 25 day grace period, a finance charge will be imposed on the unpaid average daily balance of such credit purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. The finance charge for the billing cycle is computed by applying the monthly periodic rate to the average daily balance of credit purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid finance charges. A finance charge will be imposed on Cash Advances from the date made or from the first day of the billing cycle in which the Cash Advance is posted to your account, whichever is later, and will continue to accrue until the date of payment.
At the date this application was printed (shown in the lower left-hand corner) the information listed above was accurate. Because rates and terms are subject to change, you may contact us for current information by writing to the address below, or by calling 847-670-0456.
METRO Federal Credit Union 2440 E. Rand Road Arlington Heights IL 60004 (847) 670-0456 Fax (847) 670-0401