You select your reward:

• Low rate
• Cash back rewards up to 1.0%
• Points for every dollar spent

The choice is yours!

At Members 1st FCU, you have a choice when selecting your VISA Platinum Choice Rewards Credit Card. We give you options because we know all members are not the same and you all have different needs and wants. When applying for your Members 1st VISA Platinum Choice Rewards Credit Card, you can select the reward that works best for you. Choose from the following options:

• A low rate and not a cash back or points reward program

We offer interest rates as low as Prime rate plus 1.0% (depending upon your creditworthiness). By eliminating behind-the-scenes costs, we give those savings back to you in the form of a lower APR. This will save you money if you normally carry a balance each month.

• Cash back rewards

Based on your annual purchasing activity, we offer a tiered annual reward paid directly to your savings account each November:

Annual Purchasing Activity	Percentage of Cash Back
$0.00 - $1,000.00	.25%
$1,001.00 - $2,000.00	.50%
$2,001.00 - $3,000.00	.75%
$3,001.00 - and up	1.0%

• Reward points

For every qualifying dollar you spend, you can earn a point to be used to purchase merchandise, make hotel reservations and buy airline tickets. The more your point balance grows, the more reward purchase options you have. Your points don’t expire and can be redeemed through an easy-to-use Web site or toll-free phone number.

Make the choice that’s right for you. In addition to selecting one of the reward options above, all Members 1st VISA Platinum Choice Rewards Credit Cards carry these benefits:

• $1,000,000.00 Travel Accident Insurance
• Auto Rental Collision Damage Waiver Program
• Travel & emergency services
• Optional “ChargeGard” credit insurance coverage
• Fee-free balance transfers
• Free online access through EZCARDINFO.com
• Multiple automatic payment options
• FREE convenience checks
• Member Loyalty Rewards participation

Questions regarding our Visa Platinum Choice Rewards Credit Card program may be directed to our Visa Card Center at (800) 283-2328, ext. 6035.

Questions regarding the status of your Visa Platinum Choice Rewards Credit Card application may be directed to our Loan Center at (800) 283-2328, ext. 6040.