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.

Other APRs:	Balance Transfer APR: 9.9% Cash Advance APR: 9.9% APR^† Default APR:18.0% See explantion below.^
Grace Period for Repayment of Balances for Purchases:	You have 25 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.) There is no grace period for cash advance
Method of Computing the Balance for Purchases:	Average Daily Balance (including new purchases)
Late Fee:	$25.00
Minimum Finance Charge:	None
Over the Credit Line Fee:	$20.00
Annual Fee:	None
International Transaction Fee:	1% fee on foreign transactions (converted to USD)
Transaction Fees for Cash Advances:	None
Effective Date:	08/20/2007

Effective Date:

August 20, 2007

^Explanation of default APR:

Default is defined as failure to make at least the minimum payment by 30 days after the due date on the statement twice during a 12 month period, or exceeding your assigned credit limit or making a payment to us that is returned. In the event your account is moved to the default rate, the default rate will remain in effect until you request us to reevaluate it but in no case will it be in effect for less than one year.

Default Status and Rewards:

Any Scorecard Reward Points will not be earned if in default status. 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 15 days after the due date shown on the most recent statement will be charged a Late Payment Fee of $25.00

Over the Credit Limit Fee:

Any time your statement balance exceeds your assigned credit limit there will be an Over the Credit Limit fee of $20.00

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 will receive a 1/2% rebate on all qualifying purchases, net of returns, (net purchases) in excess of $5,000 during the calendar year. This rebate does not apply to cash advances.

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 36 months.