Business Credit Card Disclosures

Business Visa
Initial Annual Percentage Rate for Purchases	5.99% for six months
Variable Rate	9.99-12.99%
Annual Percentage Rate for Advances other than Purchases	17.99%
Method of Computing the Balance for Purchases	Average Daily Balance Method (including new purchases)
Grace Period for Purchases	25 days from billing date
Fees for Advances other than Purchases	NONE
Over the Limit Fee (per card)	$29.00
Late Fee (per card)	$29.00
International Service Assessment (ISA) Fee	1% of transaction amount after it has been converted to U.S. dollars
Default Annual Percentage Rate	17.99%
Business Cash Rewards Annual Fee (per card)	$50 (waived for first year)
Minimum Finance Charge	NONE

Information about the costs of the Cards described above is accurate as of 7/9/07. This information may have changed after that date. To find out what may have changed, call us at 607-962-3144 or 800-677-8506 (outside the Corning-Elmira calling area).

One Credit Union Plaza | PO Box 1450 | Corning, NY 14830 | 800-677-8506 | 607-962-3144
Routing & Transit # - 222380359

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