Credit Card Disclosure

CREDIT CARD DISCLOSURE TABLE

Annual Percentage Rate - 9.90% APR

Cash Advance

9.90% APR

Grace Period of Purchases 25 Days

Method of Computing the Balance of Purchases Average Daily Balance (including new purchases)

Annual Fee None

Minimum Finance Charge None

Transaction Fee For Purchases None

Balance Transfer Fee None

Late Payment Fee $ 25.00

Over-The-Credit-Limit Fee None

Return Check Fee $ 30.00

Card Replacement Fee $ 10.00