BFG Federal Credit Union Credit Card Disclosure

Effective August 20, 2010

Interest Rates and Interest Charges
Annual Percentage Rate (APR) For Purchases 8.99% Platinum and Classic Cards
APR for Balance Transfers 8.99% Platinum and Classic Cards
APR for Cash Advances 8.99% Platinum and Classic Cards
Penalty APR and When It Applies 16.99% All APRs Platinum and Classic Cards
This APR may be applied to all the APRs on your account if you:

Default under any Card Agreement you have with us because you fail to make a minimum payment to us when due or have payment(s) returned and become 60 days delinquent.

How Long Will The Penalty APR Apply?: If your APRs are increased for any of the above stated reasons, the Penalty APR will apply until you make six consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances or convenience checks on the transaction date.
Minimum Interest Charge If you are charged interest, the minimum charge will be $.01.
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
Annual Fee None
Transaction Fees
  Balance Transfer

  Cash Advance


  Foreign Transaction		  
None

Either $5 or 3.00% of the amount of the cash advance, whichever is greater.

1.00% of each transaction in U.S. dollars.
Penalty Fees
  Late Payment

  Returned Payment		  
Up to$35.00

Up to $35.00
Other Fees
  Card Replacement		  
$10.00 per Card
One original and one replacement card may be reissued per cardholder within a two year period (from the time the original card was ordered) at no charge. A $10 fee will be incurred for three or more cards issued in a two year period.
  Rush Fee $15.00


How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See your account agreement terms for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Effective Date: As of August 20, 2010 this disclosure information was accurate. This information may have changed after that date. You may contact us for current credit card information by calling 1-800-306-4400.


We Do Business in Accordance With
the Federal Fair Housing Law
and the Equal Credit Opportunity Act.
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