Disclosure

Platinum Visa Disclosure

FEDERAL TRUTH-IN-LENDING ACT

As required by law, rates, fees and other costs of this credit card are disclosed here. All account terms are governed by the VISA Cardholder Agreement. Use of the card constitutes acceptance of the terms of the Account and the Agreement. Account and Agreement terms are not guaranteed for any period of time; all terms may change in accordance with the Agreement and applicable law.

Annual Percentage Rate: Other APRs:	Standard Rate 11.99% Balance Transfer APR: 11.99% Cash Advance APR: 11.99% APR*
Variable Rate Information:	Variable rated based on Wall Street Journal Prime + margin of 8.74%; rate can change at the end of each calender quarter. The current Prime rate as of 11/13/2009 is 3.25%. For Example: As of 11/13/2009 Current WSJ Prime is 3.25%. Margin 8.74%. Maximum Rate 11.99%.
Grace Period for Repayment of Balances for Purchases:	You have 28-30 days from the statement closing date to repay your new balance in full without a finance charge (provided you have paid in full the New Balance Total from the previous statement by its Payment Due Date.) Does not apply to Cash Advances
Method of Computing the Balance for Purchases:	Average Daily Balance (including new purchases)
Late Fee (based on balanced owed):	$0-$10.00= $0 $10.01-$5,000= $10 $5,000.01-$10,000= $20 $10,000.01 + = $30
Minimum Finance Charge:	None
Annual Fee:	None
International Transaction Fee:	1% fee on foreign transactions (converted to USD)
Transaction Fees for Cash Advances:	None
Effective Date:	11/14/2009

Effective Date:

November 14, 2009

Default Status and Rewards:

Any Scorecard Reward Points will not be earned if in default status (defined as having not made a minimum payment by 28-30 days after due date). Existing Scorecard Reward Points will be available for redemption. Also, if in default status, any Cash Rewards will be forfeited and no additional Cash Rewards will be earned when in default status.

Late payment fee:

Any payment received more than five (5) days after the due date shown on the most recent statement will be charged a Late Payment Fee.

Other fees:

if not paid in cash, they will be charged to your share account Replacement card fee $5.00 for each card Credit/Debit slip photocopy $12.00 for each copy Statement photocopy $2.00.

How your NECU rebate works:

You must have a NECU checking account and $10,000 in non-Visa loans and/or non-checking share balances to qualify for 1/2% rebate on purchases of $2,000 or more and to receive a 15% interest rebate. Rebate will appear as a deposit into your NECU savings or checking account.This will appear on your statement following the end of the calendar year. This 1/2% rebate does not apply to cash advances, VISA convenience checks, ATM advances, advances for overdraft protection or advances via QuikTel or CyberTel.

How your Rewards Scorecard program works:

You will receive one point for each dollar of qualifying purchases, net of returns, (net purchases) that you charge to this card. Qualifying purchases do not include cash advances² No points are awarded for finance charges, fees, foreign currency conversion or insurance charges to your account. Unused points will expire if not used within 60 months.