Annual percentage rate (APR) for purchases	Tiered Rate Based on Credit Performance. Determined by adding 1.00%, 4.00% or 7.00% to the Prime Rate. After that, your APR will vary with the market based on the Prime Rate. Your APR may also adjust annually subject to a review of your credit worthiness.
Other APRs	Default rate: 21.00%*
Variable-rate information	N/A
How to Avoid Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.
Annual fees	N/A
Minimum finance charge	N/A
Foreign Transaction Fee	1%

Interest Rate Adjustment (Default Rate) The Credit Union will adjust the interest rate on your account whenever your account is 60 days past due. We will change your interest rate to a fixed rate of 21% ANNUAL PERCENTAGE RATE (or less in the Credit Union’s discretion) which is a monthly periodic rate of 1.75%, on the first day of the billing cycle following the cycle that was 60 days past due. After six (6) consecutive billing cycles of your account being paid pursuant to the terms of your agreements with the Credit Union, we will change the interest rate to the rate that is then applicable to your account, which will become effective on the first day of the billing cycle following the sixth consecutive billing cycle.

How We Will Calculate Your Balance: We will use a method called "average daily balance (including new purchases)."

Security for Advances and Purchases: The Credit Union will acquire a security interest in the property purchased with your Credit Card; and collateral securing other loans with us may also secure this account. Also, you are giving us a security interest in your shares and other deposits in the Credit Union. Late Payment Fee: $25.00 for each payment that is thirty (30) or more days late. Over-the-Credit-Limit Fee: $0.00. Returned or Insufficient Check Fee: $25.00. Card Replacement Fee: $50.00 for each card. The above information was accurate as of the printing date March, 2010, and after that date is subject to change. For changes since printing, call KECU at (502) 564-5597 or (800) 219-5328, or write us at: 100 Moore Drive, Frankfort, KY 40601.

>> To apply for a KECU Platinum Visa card, contact KECU at 502-564-5597
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