INOVA Federal Credit Union

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Visa Credit Card Disclosures

Visa Platinum
Annual Percentage Rate	9.99% APR*
Balance Calculation Method for Purchases	Average daily balance including new purchases
Annual Fee	None
Grace Period for Purchases	You have 25 days from the billing cycle closing date to repay your balance on purchases before a finance charge will be imposed
Annual Inactivity Fee	Simply use your card at least once per year to avoid a $20 service charge
Late Payment Fee	Late fee of $25 imposed 15 days after the statement due date. After account falls 60 days delinquent, the interest rate increases to 18%¹ APR*.
Over-the-Credit Limit Fee	$20 for each billing cycle in which your balance exceeds your established credit limit
Cash Advances	Present our card for instant cash at financial institutions or ATMs displaying the Visa logo. Cash advance fee: 3% of the transaction amount, minimum of $5 and maximum of $50.

Visa Platinum with Rewards Member Rewards
Annual Percentage Rate	10.99% APR*
Balance Calculation Method for Purchases	Average daily balance including new purchases
Annual Fee	None
Grace Period for Purchases	You have 25 days from the billing cycle closing date to repay your balance on purchases before a finance charge will be imposed
Annual Inactivity Fee	Simply use your card at least once per year to avoid a $20 service charge
Late Payment Fee	Late fee of $25 imposed 15 days after the statement due date. After account falls 60 days delinquent, the interest rate increases to 18%¹ APR*.
Over-the-Credit Limit Fee	$20 for each billing cycle in which your balance exceeds your established credit limit
Cash Advances	Present our card for instant cash at financial institutions or ATMs displaying the Visa logo. Cash advance fee: 3% of the transaction amount, minimum of $5 and maximum of $50.

*Annual Percentage Rate is accurate as of February 1, 2008.
**Rates and Terms subject to change.
¹ If your card is ever 60 or more days past due, the Monthly Periodic Rate applicable to your entire
balance existing at the time and in the future will immediately increase to 1.50% (corresponding ANNUAL PERCENTAGE RATE 18.00%).

Visa Classic
Annual Percentage Rate	17.99% APR*
Balance Calculation Method for Purchases	Average daily balance including new purchases
Annual Fee	None
Grace Period for Purchases	You have 25 days from the billing cycle closing date to repay your balance on purchases before a finance charge will be imposed
Annual Inactivity Fee	Simply use your card at least once per year to avoid a $20 service charge
Late Payment Fee	Late fee of $25 imposed 15 days after the statement due date. After account falls 60 days delinquent, the interest rate increases to 18%¹ APR*.
Over-the-Credit Limit Fee	$20 for each billing cycle in which your balance exceeds your established credit limit
Cash Advances	Present our card for instant cash at financial institutions or ATMs displaying the Visa logo. Cash advance fee: 3% of the transaction amount, minimum of $5 and maximum of $50.

Visa Gold
Annual Percentage Rate	13.25% APR*
Balance Calculation Method for Purchases	Average daily balance including new purchases
Annual Fee	None
Grace Period for Purchases	You have 25 days from the billing cycle closing date to repay your balance on purchases before a finance charge will be imposed
Annual Inactivity Fee	Simply use your card at least once per year to avoid a $20 service charge
Late Payment Fee	Late fee of $25 imposed 15 days after the statement due date. After account falls 60 days delinquent, the interest rate increases to 18%¹ APR*.
Over-the-Credit Limit Fee	$20 for each billing cycle in which your balance exceeds your established credit limit
Cash Advances	Present our card for instant cash at financial institutions or ATMs displaying the Visa logo. Cash advance fee: 3% of the transaction amount, minimum of $5 and maximum of $50.