Credit Card Disclosure
Annual Percentage Rate (APR) for Purchases	Visa Classic: 9.99% - 11.24%*; Visa Secured: 10.00% fixed*
Other APRs	Cash Advance & Balance Transfers APR: Visa Classic 15.00% - 17.00%**; Penalty Rate: 18.0%***
Variable Rate Information	Your APR may vary. The rate is determined by adding 2.24%, 3.74% or 5.24% to the Prime Rate.*
Grace Period for Purchases	Visa Classic has a 25 day grace period on purchases. Visa Secured has no grace period on purchases.
Method of Computing the Balance for Purchases	Average Daily Balance (including new purchases)
Annual fee	None
Minimum Finance Charge	None
Cash Advance Fee	None
International Transaction Fee:	1% of transaction amount
Late Payment Fee:	$25 on every payment that is 10 or more days late
Over-the-Credit Limit Fee:	$25
*The Prime Rate used to determine your APR is the rate published in the Wall Street Journal on the last business day of the prior month. The rate will never be less than 9.99% and no greater than the maximum allowed by law. **Cash Advance APR is based on your credit worthiness. The better the credit the better the rate. ***Explanation of penalty: If your payment is 30 days delinquent, the penalty rate will apply. This information is accurate as of 2/2008. Please contact the credit union at (888) 923-1400, or write Sentinel Federal Credit Union, Credit Card Department, PO Box 700, Box Elder, SD 57719, for any changes to this information.