United Credit Union

United VISA® – “The Best”
No Annual Fee, High Limits, Low Interest Rates, Excellent Terms

About Visa Credit Cards

Around the clock fraud protection

Privacy protected. United will not sell your name to other companies.

Credit Life insurance at a nominal cost.

Worldwide acceptance.

Verified by VISA®.

Classic – credit limit up to $5,000, if you qualify

Benefits: Auto Rental Collision Damage Waiver Program
Lowed fixed rate is 16.5% APR

Gold – credit limit up to $10,000, if you qualify

Benefits:
- Warranty Manager Services
- Auto Rental Collision Damage Waiver Program
- Travel and Emergency Assistance Services
  - Low fixed rate is 15.0% APR

Platinum – credit limit up to $20,000, if you qualify

Benefits:
- Warranty Manager Services
- Auto Rental Collision Damage Waiver Program
- Travel and Emergency Assistance Services
- Personal Identify Theft Coverage
- Score Card Rewards Program
  - Low fixed rate is 10.9% APR

	Classic	Gold	Platinum
APR Fixed Rate (purchases)	**16.5%	**15.0%	**10.9%
Grace Period (purchases)	20 days
Computation Method (purchases & cash advances)	Average Daily Balance Method (including new purchases)
Minimum Finance Charge	NONE
Transaction Fee	NONE
Annual Fee	NONE
Over Credit Limit Fee	NONE
Late Payment Fee	$30.00
Cash Advance Fee	4.0% of the Amount Advanced
Score Card Rewards Program	N/A	N/A	Platinum Card Only

** The Annual Percentage is calculated with Single Credit Life Insurance premium added to the outstanding loan balance at the end of the billing closing date. The APR will be adjusted as follows: Classic Card 17.18%; Gold 15.69% and Platinum 11.59%.

Notice to Applicants Living in Wisconsin: No provision of any marital property agreement, unilateral statement under section 766.59 of the Wisconsin statutes, or court order section 766.70 adversely affects the interest of United Credit Union unless United Credit Union is furnished a copy of the agreement, statement, order, or has actual knowledge of the adverse provision before opening the requested account. If your spouse lives at another address, please send that information to United on a separate piece of paper.

Ohio Residents: The Ohio law against discrimination requires that all creditors make credit equally available to all credit worthy customers, and that the credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Sec 4112.021 (B)(I)(g) Ohio Rev Code.

California Residents: Applicants: 1) may, after credit approval, use the credit card account up to its credit line; 2) may be liable for amounts extended under the plan to any joint account. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

New York and Vermont Residents: Upon your request, we will inform you of the name and address of each credit reporting agency from which we obtained a credit report relating to you. New York residents may request a comparative listing of credit card rates, fee and grace periods by writing to: Public Information, New York State Banking Department, 2 Rector Street, New York, NY 10006-1894 or calling 1-800-522-3330.

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