Home Equity VISA Platinum Rates and Account Disclosure

Rate Information effective since 1/11/2009

Annual Percentage Rate	Daily Periodic Rate	Variable Rate Information	Annual Fee	Grace Period for Purchases	Minimum Finance Charge	Method of Computing the Balance for Purchases
4.00% to 9.25%	0.010959%  to 0.025342%	APR may vary each quarter, and is determined by adding a margin (based on your credit profile) to the Prime Rate published in the Wall Street Journal 15 days before the adjustment date.	$35.00	You have an average of 25 days to repay your balance for purchases before being charged a finance charge.	None	Daily balance is computed by adding the current day's purchases to and subtracting the current day's credits from the previous daily balance.

Late Charge: 5% of the past due payment after 15 days of the due date
Over Limit Charge: $25.00
Minimum Balance Fee: $500.00 applies if balance drops below $7500.00 during the first year

The account terms and charges stated above are accurate as of the effective date. Please contact the Credit Union at PO Box 70225, Eugene, OR 97401-0145 for any change in the card terms or disclosure.