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Following are Lake Trust rates
and fees and are subject to change.

INTEREST RATES AND INTEREST CHARGES
Annual Percentage Rate (APR) for Purchases		Visa Platinum Elite 8.75%, 9.75%, 10.75%, 15.75%, or 18.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Elite Rewards 10.75%, 11.75%, 12.75%, 17.75%, or 20.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Secured Classic 9.75% This APR will vary with the market based on the Prime Rate.
APR for Cash Advances		Visa Platinum Elite 11.75%, 12.75%, 13.75%, 18.75%, or 21.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Elite Rewards 13.75%, 14.75%, 15.75%, 20.75%, or 23.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Secured Classic 12.75% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers		Visa Platinum Elite 11.75%, 12.75%, 13.75%, 18.75%, or 21.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Elite Rewards 13.75%, 14.75%, 15.75%, 20.75%, or 23.75% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Secured Classic 12.75% This APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest on Purchases		Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Federal Reserve Board		To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
FEES
Transaction Fees • Foreign Transaction Fee		1.00% of each transaction in U.S. dollars
Penalty Fees • Late Payment Fee • Returned Payment Fee		Up to $35.00 Up to $25.00
How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."
Effective Date. The information about the costs of the card described in this application is accurate as of September 13th, 2011. This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
• Late Payment Fee		$25.00 or the amount of the required minimum payment, whichever is less. In the event you fail to make a payment on time in any of the six (6) billing cycles following the violation, you will be charged $35.00 or the amount of the required minimum payment, which is less.
• Returned Payment Fee		$25.00 or the amount of the required minimum payment, whichever is less, per returned payment.
• Statement Copy Fee • Rush Fee • Card Replacement Fee • Research Fee • Stop Payment Fee • Sales Draft Copy Fee		$2.00 per statement $20.00 per card $25.00 per card $20.00 per hour, minimum of one (1) hour $28.00 per request $5.00 per sales draft

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501 S. Capitol Ave., Lansing, Michigan 48933-2320 | Phone: 888.267.7200 | Routing Number 272078268

NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act

Lake Trust Credit Union
501 S. Capitol Ave., Lansing, Michigan 48933-2320
Phone: 888.267.7200
Routing Number 272078268