IMPORTANT CREDIT CARD DISCLOSURES. The following disclosure represents important details concerning Your Credit Card. The information about costs of the Card are accurate as of the effective date of June 21, 2010. You can call Us at (210) 225-6866 or write Us at River City FCU, PO Box 12689, San Antonio, TX 78212-0689 to inquire if any changes have occurred since the effective date.

Interest Rates and Interest Charges

VISA Classic: 2.99% Introductory APR for 6 months.

After that, Your APR will be 12.9% - 12.9% based on Your creditworthiness at the time You open Your account.

VISA Gold: 2.99% Introductory APR for 6 months.

After that, Your APR will be 10.9% - 10.9% based on Your creditworthiness at the time You open Your account.

VISA Platinum: 2.99% Introductory APR for 6 months.

After that, Your APR will be 7.9% - 7.9% based on Your creditworthiness at the time You open Your account.

Share Secured VISA Classic: 2.99% Introductory APR for 6 months.

After that, Your APR will be 9.9% - 9.9% based on Your creditworthiness at the time You open Your account.

Paying Interest

We will not charge You interest on purchases if You pay Your entire balance owed each month within 25 days of Your statement closing date. We will begin charging interest on cash advances and balance transfers on the transaction date.

For Credit Card Tips from the Federal Reserve Board

To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.

Fees

Penalty Fees

·          Returned Payment

·          Late Payment

·        $25.00  

·         After 10 days 5% of the payment due with a minimum of $15
and a maximum of $25.