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DETAILS OF RATE, FEE, AND OTHER COST INFORMATION

As required by law, rates, fees, and other costs of this credit card offer are disclosed here.  All account terms are governed by the Water And Power Community Credit Union MasterCard Agreement and Disclosure.  Account and Agreement terms are not guaranteed for any period of time; all terms, including the APRs and fees, may change in accordance with the Agreement and applicable law.  We may change them based on information in your credit report, market conditions, business startegies, or for any reason. 

PLATINUM MASTERCARD INTEREST RATES & INTEREST CHARGES
Annual Percentage Rate (APR for Purchase)	Level 1 9.8%      Level 2 11.8%      Level 3 14.8%     Level 4 17.8% (Rate based on your creditworthiness when you open the account)
Other APRs	Balance transfer APR: same as purchases    Cash advance APR: same as purchases
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on your purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	None
Credit Card Tips from the Federal Reserve Board	http://www.federalreserve.gov/consumerinfo/consumercredit.htm
PLATINUM MASTERCARD FEES
Annual Fee:	None
Transaction Fees: Balance Transfer Cash Advance Foreign Transaction	None None 1% of each foreign currency transaction in U.S. dollar. 1% of each U.S. dollar transaction occurring in a foreign country
Penalty Fees: Late Payment Over-the-Credit Limit Rejected Convenience Check Returned Payment	$10 when payment is 10 days or more late None $23 $15
How We Will Calculate Your Balance: Average Daily Balance