VISA Disclosure VISA Rates < Description Annual Percentage Rate Other APRs Grace Period Method of Computing the Balance Annual Fees Minimum Finance Charge VISA Premier 9.99% Balance Transfer APR: 9.99% Cash Advance APR: 9.99% Penalty APR: N/A 25 Days for purchases No grace period for cash advances Average Daily Balance for Purchases (including new purchases) $10.00 $ N/A VISA Classic 10.99% Balance Transfer APR: 10.99% Cash Advance APR: 10.99% Penalty APR: N/A 25 Days for purchases No grace period for cash advances Average Daily Balance for Purchases (including new purchases) None $ N/A VISA Premier Gold (Qualified Pinnacle Account Holders) 7.99% Balance Transfer APR: 7.99% Cash Advance APR: 7.99% Penalty APR: N/A 25 Days for purchases No grace period for cash advances Average Daily Balance for Purchases (including new purchases) $10.00 $ N/A VISA Premier Gold 8.99% Balance Transfer APR: 8.99% Cash Advance APR: 8.99% Penalty APR: N/A 25 Days for purchases No grace period for cash advances Average Daily Balance for Purchases (including new purchases) $10.00 $ N/A VISA Classic Gold (Qualified Silver Select Account Holders) 7.99% Balance Transfer APR: 7.99% Cash Advance APR: 7.99% Penalty APR: N/A 25 Days for purchases No grace period for cash advances Average Daily Balance for Purchases (including new purchases) None $ N/A VISA Classic Gold 9.99% Balance Transfer APR: 9.99% Cash Advance APR: 9.99% Penalty APR: N/A 25 Days for purchases No grace period for cash advances Average Daily Balance for Purchases (including new purchases) None $ N/A Freedom Card 12.99% Balance Transfer APR: 12.99% Cash Advance APR: 12.99% Penalty APR: N/A 25 Days for purchases No grace period for cash advances Average Daily Balance for Purchases (including new purchases) $10.00 $N/A This table last modified on: 03/27/07 Transaction fee for purchases: $ N/A Late-payment fee: $29.50 International transaction fee: 1% of transaction Balance Transfer fee: $ N/A Over-the-credit-limit fee: $29.50 Terms and conditions are subject to change. Rates are based on credit worthiness. The information about the costs of the card described above is accurate as of 08/01/2007. This information may have changed after that date. To find out what may have changed, call us at (850) 402-5301 or write us at 345 S. Magnolia Dr., Suite F-1, Tallahassee, FL 32301.