Credit Card Rates     as of 1/1/2009                                Apply now for a VACU credit card

Credit Card Disclosure
ANNUAL PERCENTAGE RATE (APR)* for purchases	Visa® Gold Rebate Card	10.99%, 11.99% or 12.99%
	All Other Cards	8.99%, 9.99%, 10.99%, 13.99%, 16.99% or 19.99%
APRs for Cash Advances & Balance Transfers	Same as for purchases
Grace Period for Repayment of Balances for Purchases	25 Days (no grace period for cash advances)
Method of Computing the Balances for Purchases	Average daily balance (including new purchases)
Annual Fee	None
Minimum Finance Charge	None
Transaction Fee for Purchases	None
Transaction Fee for Cash Advances and Balance Transfers	None
Late Payment Fee	$20.00
Over-the-Credit-Limit Fee	$20.00

*Which APR you receive is based on our internal credit criteria, including a review of your application and consumer report. Annually we will re-evaluate your credit information based on our internal credit criteria and at such time, your APR is subject to decrease or increase. If your APR changes, you will be notified at least 15 days prior to such change.

Transaction fee for cash advances, balance transfers and convenience checks: None. The Information is accurate as of the date shown at the top of this disclosure; to find out what may have changed, call (804) 323-6800 or toll-free (800) 285-6609, or write to us at VACU, P.O. Box 90010, Richmond, VA 23225-9010.

Please contact us if you have questions or we can help you in any way.