As of 1/27/2007, the information listed above is accurate. Because rates and terms are subject to change, you may contact us for the current information.

**A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire new balance shown on your monthly statement for the previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the entire new balance shown on your previous monthly statement within that 25-day period, a finance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new balance is paid in full or until the date of payment if more than 25 days from the closing date. The finance charge for a billing cycle is computed by applying the monthly periodic rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid finance charges.

I understand that a Security Interest is a condition for this Credit Card Account and I give you a Security Interest in all funds now or hereafter in all Deposit Accounts (Except IRA) I have with you as part of my member or Master Account #___________________ (applicant), #______________________ (co-applicant) and if I default under the terms of this Agreement I authorize you to apply such funds to the payment of my credit card indebtedness.

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