Hawaii Community Federal Credit Union


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Effective Date: July 1, 2006

	VISA CLASSIC	VISA GOLD	VISA PLATINUM PREFERRED
Annual Percentage Rate (APR) for Purchases and Cash Advances	15.00%* fixed	9.90%* fixed	7.90% fixed
Minimum Credit Limit	$500.00	$2,000.00	5,000.00
Maximum Credit Limit	$20,000.00	$20,000.00	$20,000.00
Minimum Payments	The minimum payment for all programs is the greater of $10.00 or 3.0% of the outstanding balance.
Annual Fee	No Fee	No Fee	No Fee
Grace Period for Cash Purchases	Twenty-five(25) days	Twenty-five(25) days	Twenty-five (25) days
Method of Computing the Balance for Purchases	Average daily balance (including new transactions)	Average daily balance (including new transactions)	Average daily balance (including new transactions)
Late Fee	The larger of $5.00 or 5% of the past due payment	The larger of $5.00 or 5% of the past due payment	The greater of $25.00 or 5.0% of the past due payment
Free Additional Benefits	Rental Car Collision Damage & $250,000 Travel Insurance	Rental Car Collision Damage & $500,000 Travel Insurance	Rental Car Collision Damage & $1,000,000 Travel Insurance
Over Limit Fee	$20.00 for each payment period account balance exceeds the credit limit	$20.00 for each payment period account balance exceeds the credit limit	$20.00 for each payment period account balance exceeds the credit limit

The information about the costs of the VISA card described in this application is accurate as of July 1, 2006. The information may have changed after that date. To find out what may have changed, call us at (808) 930-7700 or write to us at Hawaii Community Federal Credit Union, 73-5611 Olowalu St. Kailua-Kona, Hi 96740.

CONSUMER LINE OF CREDIT	PERSONAL	SHARE Secured
Annual Percentage Rate	9.90% to 15%*	7.50%*
Maximum Credit Limit Up To	$20,000	100% of unencumbered shares
Minimum Credit Line	$2,000	$2,000
Monthly Periodic Rate	Is determined by dividing the APR shown above by the number of months in a calendar year, which is twelve.	Same method used as a personal loan.
Annual Fee	None	None
Grace Period	None	None
Average Daily Balance	The balance in the account each day, plus any new advances during the billing cycle are added and the total divided by the number of days in the billing cycle.	Same method used as a personal loan.
Computation of Finance Charge	The Finance Charge is calculated by multiplying the average daily balance by the monthly periodic rate.	Same method used as a secured loan.
Minimum Payment	$10.00 or 3.0% of the unpaid balance, whichever is greater.	$10.00 or 3.0% of the unpaid balance, whichever is greater.
Late Charge	If payment is not received within 15 days after the payment due date, a late charge will be assessed at a rate of 5.0% on the past due payment.	If payment is not received within 15 days after the payment due date, a late charge will be assessed at a rate of 5.0% on the past due payment.

*Annual Percentage Rate. Rates are subject to change without notice. All loans subject to credit approval.

NO LOAN HAS A PRE-PAYMENT PENALTY.



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