CALIFORNIA COAST CREDIT UNION
Important Disclosure Information - Visa® Card

Special Introductory Rate	Platinum and Platinum Choice Rewards Only: A special introductory rate of 1.99% APR will apply to purchases and cash advances for 6 monthly statement (billing) cycles from the date the account was opened. The introductory 1.99% APR balance transfer rate applies to balance transfers, from other institutions, for 6 monthly statement (billing) cycles from the date of the first balance transfer. † Thereafter, the Standard Annual Percentage Rates set forth below will apply.
Standard Annual Percentage Rate (APR)for Purchases	Platinum: 9.49% -18.99%* Platinum Choice Rewards: 9.99% - 18.99%* Platinum Student: 13.50% ^ Platinum Secured: 16.00%
Other APRs	Platinum: Standard Cash Advance APR: 9.49% - 18.99%* Standard Balance Transfer APR: 9.49% - 18.99%* Platinum Choice Rewards: Standard Cash Advance APR: 9.99% - 18.99%* Standard Balance Transfer APR: 9.99% - 18.99%* Platinum Student: Standard Cash Advance APR:13.50%^ Standard Balance Transfer APR:13.50%^ Platinum Secured: Standard Cash Advance APR: 16.00% Standard Balance Transfer APR: 16.00%
Grace Peiod for Repayment of Balances for Purchases (Not applicable to cash advances)	Finance Charges Imposed on Credit Purchases if Total New Balance Not Paid in Full within 25 Days From the Closing Date of Billing Statement.
Method of Computing the Balance for Purchases	Average Daily Balance Including New Purchases
Annual fees	None
Minimum Finance Charge	$0
Transaction Fee for Purchases	$0
Balance Transfer Fee	$0
Transaction Fee for Cash Advances	2% of the Cash Advance amount ($3 minimum Fee/$50 maximum Fee)
International Transaction Fee	1%    when a currency conversion occurs. 0.8% when a currency conversion is not performed.

Late Payment Fee: You will be charged a Late Charge of $10.00 with respect to any monthly billing cycle as a late payment charge on the Minimum Payment Due that is not paid within 10 days after the date the payment is due. Over the Credit Limit Fee:$10.00 Inactivity Fee:Platinum Choice Rewards cardholders will be charged an Inactivity Fee of $15.00 after 12 consecutive months of inactivity.

† The Special Introductory Rate applicable to Balance Transfers applies only to Balance Transfers from other institutions to your California Credit Union Visa Account.

* The Standard APR applicable to Purchases, Cash Advances, and Balance Transfers will be determined based upon an evaluation of your creditworthiness. The Standard Rate(s) applicable to your Account will be disclosed on the Additional Disclosure Federal Truth-in-Lending Act Visa Rate and Fee Schedule that accompanies the Credit Card Agreement and Federal Truth-in-Lending Disclosure Statement.
^Automatic payment required.
The above information is current as of December 1, 2006, and is subject to change after that date. Please contact us by mail at: P. O. Box 502080, San Diego CA 92150-2080, or by phone at: (877) 495-1600 if you wish to ascertain what changes, if any, have been made since this disclosure was produced.