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CHOOSETHE MOSTREWARDING CARD TOCARRY IN YOUR WALLET!

There are many credit card offers to choose from. Fewcombine the purchasing power, prestige, services, andexclusive features of our Visa Gold, Visa Platinum, andVisa Platinum Member Rewards cards.We’re all about rewards REWARDS & BENEFITSCompetitive RatesEnjoy a competitive APR (annual percentage rate) on all yourbalances (including purchases, cash advances, and balancetransfers). The Visa Gold carries a variable APR calculatedon the Prime Rate index plus a margin of 4.0%, and theVisa Platinum carries a fixed APR of 8.9%.1Photo CardsProtect your identity by ordering a free photo card! By allowing us to place your photograph and signature on the frontof your card, you will greatly reduce the opportunities forfraudulent use of your card, offering you greater peace ofmind.Following the expiration of the Introductory Rate Period, theannual percentage rate for the Visa Gold is subject to changefor the entire monthly billing cycle to reflect any change in theIndex and will be determined by the Prime Rate on the first business day of the month as published in The Wall Street Journal“Money Rates” table plus 4.0%. Any increase in the annual percentage rate will extend the time to pay off the balance if you continue to make minimum payments. If the Index is no longer available,the Credit Union will choose a new index which is based upon comparable information. After the Introductory Rate Period, the loan rate mayincrease or decrease.1Please be aware that if your account is ever 30 or more days delinquent, your APR will increase to Prime plus 7.0% for the Visa Gold or11.9% for the Visa Platinum. These rates will continue in effect until 12consecutive on-time payments have been received.

Verified by Visa Online Purchase ProtectionProtect your credit card account against fraudulent online useby creating a password that will be required for authorization of all online purchases with participating Verified byVisa merchants.Personal Identity Theft Coverage2You are automatically covered for up to 15,000 in reimbursement for expenses incurred as a result of an identitytheft, including lost wages for time taken to rectify records,costs incurred to obtain credit reports, notarizing affidavits,long-distance phone calls and postage, and legal fees if anattorney is needed to defend you against action taken by acreditor.No-Fee Cash Advances andBalance TransfersFor those occasions when only cash will do, use your BankFund Staff Federal Credit Union Visa to get instant cash atour teller windows, or at financial institutions displaying theVisa emblem. And, to take full advantage of your low APR,simply call 1-800-654-7728 and transfer any higher-interestbalances you may carry on other issuers’ cards.Auto Rental Insurance2This eliminates the need for you to pay for the collision damage waiver provided by auto rental agencies, saving you asmuch as 13 per day in insurance costs.Year-end Summary StatementA year-end summary of your Bank-Fund Staff Federal CreditUnion Visa activity will assist you in tracking expenses forbudgeting, separating personal and business expenses, andtax preparation.Automatic PaymentsAt your request, we can set up automatic payment of yourmonthly credit card bill from your Credit Union checking orsavings account. This is particularly useful if you travel often,Certain restrictions apply. Please refer to the Visa Credit CardDisclosure for details.2

and may be set up to pay your last statement balance infull, your minimum payment, or a designated amount on thepayment due date.Online Account AccessYou can view your credit card account statements andrecent transactions as well as make payments anytime, fromany place, through the Credit Union’s free Online Bankingservice. Once logged in to Online Banking, just click on thecredit card logo and add your new card to your card profile.24-Hour Contact CenterFor up-to-date information on your account, balance transfers, statement requests, to dispute a charge, or report yourcard lost or stolen, call 1-800-654-7728. From overseas,you may wish to use the applicable toll-free number(s) listedon our website (bfsfcu.org) and press option 3.Support Via E-mail or FaxYou may also e-mail creditcards@bfsfcu.org or fax (202)522-3401 for assistance with other credit-card-related matters between 8:30 a.m. and 3:30 p.m. Eastern Time,Monday through Friday (except holidays).ADDITIONAL TRAVEL BENEFITS3 Traveland Emergency Assistance ServicesLuggage Insurance Roadside Dispatch Automatic Worldwide Travel Accident and BaggageDelay Insurance Lost3Certain restrictions apply. Please refer to the Visa Credit CardDisclosure for details.Most card services and features described are provided by independent vendors who assume full responsibility for their programs.These services and features may be changed or discontinued without notice.

MEMBER REWARDS OPTIONOur Visa Platinum Member Rewards program provides youwith endless possibilities and the choices you deserve. Youearn reward points for every dollar you spend and pointsare redeemable for gift cards, merchandise, charitable contributions, hotel stays, rental cars, and air travel (with no“blackout” date restrictions). Redeem as few as 1,100points for awards and receive merchandise and gift cardsfrom a variety of popular merchants. Or, use your pointstowards a free airline ticket for your next vacation. Even ifthe airline ticket you want falls outside of program guidelines, you have the option to redeem 10,000 extra pointsto get the flight you choose.With convenient online access and many flexible options,the BFSFCU Member Rewards program is second to none.Visit rewards.bfsfcu.org and browse the following categories: Electronics Travel Gift CertificatesHome & GardenSports & LeisureHealth & BeautyJewelry & FashionToys & GamesCharities

CONVENIENT PAYMENTPROGRAMSTHE S-30 PAY ACCOUNTThe S-30 Pay is a convenient payment account thatenables members to make payments on their Credit Unioncredit card accounts through Online Banking, AudioResponse, at our Teller windows, or by placing a paymentin one of our Express Deposit boxes. The S-30 Pay is automatically opened for Credit Union members who have aCredit Union Visa or MasterCard.How S-30 Pay worksThe S-30 Pay Account functions like a sweep account toexpedite and automate manual payments5 to your CreditUnion credit card account.The entire balance in your S-30 Pay Account at 4:30 p.m.ET is “swept” out each day and posted to the corresponding BFSFCU credit card account on that same day. Inmany cases, payment will be reflected in the credit available in your credit card as soon as the following day6.Your S-30 Pay Account transactions will be reflected onyour Credit Union and your credit card statements.There is no service or maintenance fee associated with thisaccount and no penalty for not using it. It will, however,continue to appear on your Credit Union statementswhether or not it is used.Year-round, same-day payment functionalitySimply deposit funds into your S-30 Account by 4:30 p.m.ET any day of the year, and those funds will be transferredto the credit card account the very same day—automatically!The S-30 Pay Account is not a savings account.It receives no dividends, and all funds in the S-30 PayAccount are “swept” out by 4:30 p.m. ET each day of theyear and applied to your credit card account.Payment would equal last statemented balance minus any cycle-todate payments/credits.4

The S-30 Pay Account IdentifierThe S-30 Pay Account carries a description that contains thelast four digits of the associated credit card number (e.g., S30 Pay Visa Classic/1234; S-30 Pay MasterCardGold/5678).Methods to pay a Credit Union credit card usingthe S-30 Pay Account (See our Account Accessbrochure for details):On your pc with Online Banking;Over the telephone with Audio Response; In person at the Credit Union; or by Dropping off your payment at an ExpressDeposit box at either of our locations. Paying with Online BankingWith Online Banking, transferring payments to yourS-30 Pay Account is just a few clicks away (there is nocharge to use Online Banking; all you’ll need is your OnlineBanking Security Number and a password).Paying with Audio ResponseSimply use the buttons on your touch-tone phoneto transfer credit card payments to your S-30 Pay Account(there is no charge to use Audio Response; you only needyour Member Number and a password).Paying in personYou can also transfer or deposit funds into your S-30 PayAccount at the Teller lines at any of our branches (WorldBank Main Complex, IFC, or IMF HQ2).Paying at Express Deposit BoxesIn a rush? Just drop off your payment at one of our ExpressDeposit boxes, just outside our lobby doors at any of ourbranches (World Bank Main Complex, IFC, or IMF HQ2).Please remember to include your BFSFCU S-30 Pay Accountnumber in the space provided on the envelope.

THE AUTOMATICPAY PROGRAMAutomaticPay is a free service that enables you to makepayments on your Credit Union credit card account fromyour Credit Union savings or checking accounts without having to mail a check. It is especially beneficial if you are onmission, traveling, or living abroad and are finding it difficultto make timely credit card payments.Three Payment OptionsWith AutomaticPay, you can authorize us to automaticallydeduct—one time each month—any one of the followingmonthly payment amounts from your Credit Union account:1. The full payment4 amount of your New Balance;2. The minimum payment amount (will be the greater of 25.00 or 2.00% of the balance outstanding on yourbilling cycle closing date; closing date balances of lessthan 25.00 will constitute the minimum paymentamount).3. A designated payment amount (must be greater than theminimum payment amount).How It WorksWith AutomaticPay, your payment will be taken from yourCredit Union account effective the payment due date shownon your BFSFCU Credit Card monthly statement. Paymentswill continue as long as adequate funds are in your CreditUnion account, or until you notify us in writing to discontinueAutomaticPay. All payments will be reflected on your CreditCard monthly statement.How To EnrollTo participate in this program, simply complete the attachedAuthorization Form and mail directly to:Bank-Fund Staff Federal Credit UnionP.O. Box 27755Washington, DC 20038-7755Attention: Credit Card SectionUsers of our Credit Card AutomaticPay program please note: Your S30 Pay Account may affect your monthly AutomaticPay payment if, forexample, it fulfills your standing “minimum payment amount.”6Some exceptions apply.5

QuestionsIf you have any questions concerning the AutomaticPayprogram, please call our Member Services Section at(202) 458-4300.

24-Hour Cardholder Service: 1-800-654-7728Report Lost or Stolen Card: 1-800-449-7728Send Payments to: P.O. Box 42489 Philadelphia, PA19101-2489Applying for your choice of Visa cardhas never been easier with our24x7 Lending Center.Apply online at bfsfcu.orgApply over the telephone,by calling202-458-4332 or1-877-809-6549You’ll receive a quick response,usually within a few minutes.Why delay any longer,reward yourself today—Any Time, Any Day,from Anywhere!For more information, contact usby e-mail at creditcards@bfsfcu.orgor by fax at 202-522-3401.