Prime Rate index

							                                            VISA Rate & Fee Schedule
                                                            VISA® Platinum                                             VISA® Classic
  ANNUAL PERCENTAGE
  RATE (APR) on purchases                        Prime Rate (index) +                                      Prime Rate (index) +
  and cash advances
                                                      6.50%                                                     8.51%
                                                APR may vary. The interest rate for purchases            APR may vary. The interest rate for purchases
                                                and cash advances is determined by the Prime             and cash advances is determined by the Prime
  Variable Interest Rate Infor-                 Rate published in the Money Rates section of             Rate published in the Money Rates section of
                                                the Wall Street Journal. If the prime rate has           the Wall Street Journal. If the prime rate has
  mation                                        changed on the last day of the quarter, your             changed on the last day of the quarter, your
                                                APR will change within the first fifteen (15)            APR will change within the first fifteen (15)
                                                days of the next quarter. Mininum interest               days of the next quarter. Mininum interest rate
                                                rate is 9.75%; maximum interest rate is 18.00%.          is 11.76%; maximum interest rate is 18.00%.

  Foreign Transaction                              1% of transaction amount                                     1% of transaction amount
  Fee
                                                                                                           None the first year. Each year
                                                                                                            thereafter, $15 per year. Fee
  Annual Fee                                                       None                                   **FINANCE CHARGE** is waived
                                                                                                           each year for Signal Financial
                                                                                                            FCU members who maintain
                                                                                                            checking and direct deposit.
                                                 Average daily balance method,                             Average daily balance method,
  Balance Calculation Meth-
  od for Purchases                                 including new purchases                                   including new purchases

                                                                   None                                                     None
  Minimum Finance Charge
  Grace Period for Repayment of                                                                                            25 days
  Balance for Purchases                                          25 days
  Late Fee (15 Days After Due Date)                                 $20                                                       $20

                                                                   None                                                     None
  Cash Advance Fees

   tVISA (3rd Party) Over-the-Phone Vendor Payment Fee: $5/payment
   tReturn Payment      Fee (Applies if Payment Used to Make Monthly Credit Card Payment Does Not Clear): $25
   tStop payment for Convenience Checks: $25
   tCard Replacement Fee: $10
   tCollection Costs: You promise to pay all costs of collecting the amount you owe under the Signal Financial FCU
   VISA® Credit Card Agreement, including court costs and reasonable attorney fees.
  tMINIMUM PAYMENT: The required minimum monthly payment shall be the greater of (a) $10 or 2.5% of the outstanding
  balance and the portion in excess of the established credit limit, plus any amount past due.



For more information, please call (301)933-9100, ext. 298.