NO BALANCE TRANSFER FEES VISA PLATINUM No Frills, Low Rate Visa Card VISA PLATINUM REWARDS Low Rate Plus Rewards Earn ScoreCard Reward Points ScoreCard Reward Points are earned each time you make a purchase. For each dollar you spend you earn 1 ScoreCard point.  Then those points can be redeemed for Travel and Merchandise.  CLICK HERE to browse the ScoreCard Travel & Merchandise site to see is available  Click Here to apply for an SMFCU Visa online.  You can also apply by stopping in to the office nearest you, call, fax or by mail.

Both cards feature: on purchases and balance transfers for the first six months of opening your Platinum or Platinum Rewards account. (See more disclosures below) Low interest rates No Annual Fee Online Access 25-Day Grace Period* Monthly Statement Zero Liability Life & Disability Insurance $500,000 in Travel Accident Insurance Auto Rental Collision Insurance Credit Limits from $500 - $20,000 *does not apply to cash advances

DISCLOSURES	VISA Platinum	VISA Platinum Rewards
Annual Percentage Rate (APR) for purchases	A 5.9% Introductory APR for the first six months of opening your account.  After that, 8.9% to 16.9%.*	A 5.9% Introductory APR for the first six months of opening your account.  After that, 9.9% to 17.9%.*
Other APRs	Balance Transfer APR: A 5.9% Introductory APR for the first six months of opening your account.  After that, 8.9% to 16.9%.*  Cash Advance APR: 8.9% to 16.9%	Balance Transfer APR: A 5.9% Introductory APR for the first six months of opening your account.  After that, 9.9% to 17.9%.*  Cash Advance APR: 9.9% to 17.9%

Method of Computing the Balance for Purchases:  Average Daily Balance (including new purchases)
Grace Period for Repayment of Balances for Purchases:  25 days	Late Payment Fee:  $25

A 1% international transaction fee will be added to and listed separately on all transaction completed outside the United States

*Rates, fees and terms may change:  Your ANNUAL PERCENTAGE RATE (APR) is based on your credit history.  We may review your credit history and change the rate based on that review.  The APR for purchases and cash advances on our Visa Platinum program ranges from 8.9% - 16.9%.  The APR for purchases and cash advances on our VISA Platinum Rewards program ranges from 9.9% - 17.9%.

Because rates and terms are subject to change, you may contact us for the current information by writing to the business reply address shown below. Default - You will be in default if you do not make a payment of the amount required when it is due. You will be in default if you break any promise you made in connection with this loan. You will be in default if you die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or misleading statements in any credit application or update of credit information. You will also be in default if something happens which the credit union believes may substantially reduce your ability to pay what you owe. When you are in default, the credit union can demand immediate payment of the unpaid balance of this loan without giving you advance notice. If the credit union demands immediate payment of the unpaid balance, you will continue to pay interest at the same interest rate until what you owe has been repaid. If the credit union had demanded immediate payment of the unpaid balance, the credit union can apply the shares and deposits that you have given as security under this agreement towards what you owe. The credit union can also exercise any other rights the law gives the credit union when you are in default.  EACH PERSON RESPONSIBLE - Each person who signs the Visa application/agreement will be individually and jointly responsible for any and all credit extended from time to time. That means the credit union can enforce its rights under this agreement against any one of you individually or against all of you together.  Mailing Address:  SMFCU, PO BOX 6169, Saginaw MI  48608