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VISA Disclosure Information

Information was accurate October 1, 1999 and is subject to change. Contact the Credit Union at: 8404 W. Kellogg Drive, Wichita, KS 67209 for up-to-date information.

ANNUAL PERCENTAGE RATE:

EVERYDAY VISA 14.9% ANNUAL PERCENTAGE RATE (Empirica Score 699 or below)

SELECT VISA 9.9% ANNUAL PERCENTAGE RATE (Empirica Score 700 or above)

PREFERRED YOUTH VISA 9.9% ANNUAL PERCENTAGE RATE

GRACE PERIOD FOR REPAYMENT OF PURCHASE BALANCES: You have 25 days from your statement closing day to repay your balance before a finance charge will be imposed. There is no grace period for cash advances.

METHOD OF COMPUTING THE BALANCE FOR PURCHASES: FINANCE CHARGE is calculated at the daily periodic rate on the daily balance of cash advances and average purchases on the account. The unpaid balance is determined each day during the statement period, beginning with the total of your Previous Balance, reduced by payments you make and credits we apply, and increased by purchases and cash advances you make and debit adjustments and fees we make during the statement period. Cash advances are always subject to FINANCE CHARGE from the posing date.

ADDITIONAL TRANSACTION FEES:
Cash advances: None
Over-the-limit fee: $10.00
Late payment fee: $15 is charged on payments more than 10 days late.
Draft retrieval fee: A fee of $15.00 is charged for a copy of a transaction on your account.
Returned payment: A fee of $10.00 is charged for each payment that is returned unpaid.
Reject telephone payment fee: $10.00
Replacement card: $5.00
Walk-thru card: $15.00 is charged for expedited card delivery.

ANNUAL FEE: NONE
MINIMUM FINANCE CHARGE: NONE
TRANSACTION FEE FOR PURCHASES: NONE

Illinois Residents: Residents may contact the Commissioner of Banks and Trusts for comparative information on finance charges, fees and grace periods. State of Illinois, CIP, P.O. Box 10181, Springfield, Illinois 62791, (800) 634-5452. Wisconsin Residents: Wisconsin law provides that no agreement, court order or individual statement applying to marital property will affect a creditor's interest unless prior to the time credit is granted, the creditor is furnished with a copy of the agreement, court order or statement, or has knowledge of the adverse provision. Ohio Residents: Ohio laws against discrimination require that all creditors make credit equally available to all credit worthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio civil rights commission administers compliance with this law. California Residents: A married applicant may apply for a separate account. Maine Residents: This will notify you that a consumer report may be requested in connection with this application and you will be informed whether or not such report was requested. If a report is requested, you will be informed o f the name and address of the consumer reporting agency and furnished a copy of the report. New York Residents: A consumer report may be requested in connection with this application. Upon your request, you will be informed whether or not a consumer report was requested, and if it was requested, the name and address of the reporting agency that furnished the report.

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Equal Housing Lender

Federally Insured by NCUA
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Mid American Credit Union - 8404 West Kellogg Drive, Wichita, Kansas 67209 - (316) 722-3921 * Fax (316) 722-0920 - macu@midamerican.coop