WOMEN’S SOUTHWEST FEDERAL CREDIT UNION

The following disclosure represents important details concerning Your Credit Card. The information

about costs of the Card is accurate as of January 1, 2010. You can call 1-800-442-4757 or write to

Women’s Southwest FCU at PO Box 720207 , Dallas , Texas , 75372 to inquire if any changes have

occurred since the effective date.

For the names & contact info of at least three credit counseling agencies, call -866-344-8880

IMPORTANT MASTER CARD® CREDIT CARD DISCLOSURES

Fixed Annual Percentage Rate (APR) for Purchases	Master Card® Classic 12 – 18% (1)
Other APRs	NONE
Grace Period for Repayment of Balances for Purchases and Repayment of Cash Advances	25 days
Methods of Computing the Balance for Purchases	Average Daily Balance (including new purchases)
Minimum Finance Charge	$.50
Annual Fee Balance Transfer Cash Advance Fee Finance Charge Late Fee Over Limit Fee	$10.00 We do not offer this service $0.00 $10.00 after 10 grace days $15.00. As of February 22, 2010 no more over-limit fees will be assessed. (2)

(1) Based upon our underwriting criteria.

(2) Neither will accounts be allowed to go over the limit.