MasterCard disclosure

Platinum

Standard

Annual Percentage Rate (including cash advances)

10.90% APR
(effective 10/1/07)

14.50% APR

Grace period

25 days for purchases

25 days for purchases

Method for Computing the Balance for purchases

Average Daily Balance (including new purchases)

Average Daily Balance (including new purchases)

Annual fee

None

$15.00

Minimum Finance Charge

None

None

Transaction fee for purchases

None

None

Transaction fee for cash advances

None

None

Balance Transfer fee

Late Payment Fee

Over-the-limit Fee

Returned check Fee

None

$20.00

$20.00

$25.00

None

$20.00

$20.00

$25.00