Personal Bank Card Disclosures

	Credit Reserve	Visa Classic Credit Card	Visa Platinum Credit Card
Annual Percentage Rate	Variable monthly.Rate is determined by the Prime Index PLUS 8%.	14.9% fixed. Rate as of May 31, 2007, subject to change please call for current rates.	9.9% fixed.14.9%cash advance. Rate as of May 31, 2007, subject to change. Please call for current rates.
Annual Fee	None.	None.	None.
Grace period for purchases	Not applicable. Purchases will be deducted from your checking account. If a transfer from your credit line results from a purchase, interest will be charged from the date of the transfer.	You have 25 days to repay the balance before a finance charge is imposed. A finance charge will be assessed on purchases unless previous balance is paid in full by the due date.	You have 25 days to repay the balance before a finance charge is imposed. A finance charge will be assessed on purchases unless previous balance is paid in full by the due date.
Transaction fee for purchases *Official Interchange Fee may apply	No fee is charged for Visa purchases. If a transfer from your credit line is required, the fee is $2.00 per transfer.	No fee is charged for Visa purchases. The fee for a cash advance is 3% of the amount advanced, with a $3 minimum and $30 maximum.	No fee is charged for Visa purchases. The fee for a cash advance is 3% of the amount advanced, with a $3 minimum and $30 maximum.
Minimum Finance Charge	Not applicable	$1.00 for each billing period in which a finance charge is assessed.	$1.00 for each billing period in which a finance charge is assessed.
Method of computing balance on purchases	Not applicable	Average daily balance method (including current transaction, if previous balance is not paid in full).	Average daily balance method (including current transaction, if previous balance is not paid in full).
Late Fee	$20.00 per month.	$20.00 per month.	$20.00 per month.
Over Limit Fee	$20.00 per occurrence per month unit cured.	$20.00 per month.	$20.00 per month.

*Official Interchange Disclosure
Effective April 2, 2005, the Currency Conversion Fee was discontinued. Instead, a 1% International Transaction Fee (ITF) is assessed on all transactions where the merchant country differs from the country of the card issuer. The converted transaction amount will be shown separately from the International Transaction Fee on your billing statement. In essence, your statement will show two separate amounts. This fee will be assessed on all international purchases, credit vouchers, and cash disbursements.

Also effective April 2, 2005, the exchange rate for transactions in a foreign currency is a rate selected by Visa from the range of rates available in the wholesale currency markets for a the applicable central processing date. This rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date plus the 1% International Transaction Fee.

For more information on Personal Bank Cards call us in Utah County at (801) 642-3456, in Salt Lake County at (801) 428-1046, toll free at (888) 842-3456, or visit one of our 11 branches.