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| Rates and are subject to change without notice. |
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| Dividend Rates and Annual Percentage Yields are effective |
| Monday, May 12, 2008 |
| | | VISA Rate-Shaver | | | Purchase Rate | Balance Transfer Rate | Cash Advance Rate |
| 9.90% |
9.90% |
9.90% |
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| The VISA Rate-Shaver purchase rate is adjusted quarterly. The rate is computed by adding 2.00% to the highest Prime Rate as published in The Wall Street Journal on the last business day of the previous calendar quarter. There is no annual fee. The maximum credit limit is $50,000. There is a floor rate of 9.90%. |
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| | | VISA Gold | | | Purchase Rate | Balance Transfer Rate | Cash Advance Rate |
| 10.25% |
10.25% |
10.25% |
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| The VISA Gold purchase rate is adjusted quarterly. The rate is computed by adding 5.00% to the highest Prime Rate as published The Wall Street Journal on the last business day of the previous calendar quarter. The VISA Gold includes tiered cash-back rebates up to 1% on all purchases. There is no annual fee. The maximum credit limit is $50,000. |
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| | | VISA Platinum | | | Purchase Rate | Balance Transfer Rate | Cash Advance Rate |
| 10.25% |
10.25% |
10.25% |
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| The VISA Platinum purchase rate is adjusted quarterly. The rate is computed by adding 5.00% to the highest Prime Rate as published in The Wall Street Journal on the last business day of the previous calendar quarter. The VISA Platinum perks include bonus points for air miles that may be redeemed for a free ticket from several U.S.-based airlines. For every dollar charged, one air mile is earned. There is no annual fee. The maximum credit limit is $50,000. |
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| | | VISA Classic | | | Purchase Rate | Balance Transfer Rate | Cash Advance Rate |
| 10.75% |
10.75% |
10.75% |
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| The VISA Classic purchase rate is adjusted quarterly. The rate is computed by adding 5.50% to the highest Prime Rate as published in The Wall Street Journal on the last business day of the previous calendar quarter. The VISA Classic includes a .5% cash-back rebate on all purchases. There is no annual fee. The maximum credit limit is $50,000. |
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| | | Student VISA | | | Purchase Rate | Balance Transfer Rate | Cash Advance Rate |
| 10.75% |
10.75% |
10.75% |
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| The Student VISA purchase rate is adjusted quarterly. The rate is computed by adding 5.50% to the highest Prime Rate as published in The Wall Street Journal on the last business day of the previous calendar quarter. The Student VISA includes a .5% cash-back rebate on all purchases. There is no annual fee. The maximum credit limit is $1,000. |
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