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Classic Visa Disclosure

FEDERAL TRUTH-IN-LENDING ACT

The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of the effective date below. You can call or write us at the address or telephone number below to inquire if any changes occurred since the effective date. Please note that this disclosure applies to cash advances as well as purchases.

Annual Percentage Rate	Standard Rate 10.15% Relationship Rate 8.15%* Default Rate 18.00%^
Variable Rate Information	Annual percentage rates may vary each calendar quarter. The maximum rate will be determined by taking the prior 13 week average of the average yield on United States Treasury Securities adjusted to a constant maturity of 1 year as made available by the Federal Reserve Board plus margin of 8%. A lower rate may be charged at our option. For Example: As of 10/04/2008 Current 13 week Average of US Treasury Yields Adjusted to a 1 year Constant Maturity is 2.15%. Margin 8.00%. Maximum Rate 10.15%.
Grace Period for Repayment of Balances for Purchases**	You have 25 days to repay your balance in full before a finance charge is imposed on new PURCHASES.
Method of Computing the Balance for Purchases	Average Daily Balance (including new purchases)
Annual Fees:	None
International Transaction Fee:	1% fee on foreign transactions (converted to USD)
Minimum Finance Charge:	None
Transaction Fees for Cash Advances:	None
Effective date:	10/04/2008

Effective Date:

October 4, 2008

^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 fifteen (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: $20.00

How your NECU rebate works:

You will receive a 1% rebate on all PURCHASES in excess of $2000 during the calendar year. The rebate will be shown as a credit to Your VISA balance. This credit will appear on Your statement following the end of the calendar year. The 1% rebate does not apply to cash advances, the use of VISA convenience checks, ATM advances, advances for overdraft protection or advances via QuikTel or CyberTel.

Other charges:

$12.00 for each photocopy of a credit / debit requested (unless a billing error is involved); a replacement fee of $5.00 for each Card; and $2.00 for each photocopy of Your monthly statement. These charges, if not paid in cash, will be charged to Your Share Account. Visa Card may not be used for any illegal transactions.

Call 1-888-436-1847 to speak with Member Services