VISA Credit Card Disclosures
Annual Percentage Rate (APR) for Purchases
11.90%
Other APRs Cash Advance APR:  11.90% Balance Transfers APR:  11.90%
Minimum Finance Charge	Annual Membership Fee
NONE	NONE
Grace Period for Repayment of the Balance for Purchases
25 Days.  THERE IS NO GRACE PERIOD ON CASH ADVANCES
Late Payment Fee	Over the Limit Fee
$20.00 (10 or more days late)	NONE
METHOD OF COMPUTING THE BALANCE FOR PURCHASES
Average Daily Balance including new purchases
This information was printed on February 9, 2004, and was accurate as of that date.  This information is subject to change after it was printed.  You should contact us for any change in this information since it was printed.  You may write us at P.O. Box 517, Sterling Heights, MI 48311-0517 for this purpose.