UNFCU VISA Credit Cards offer a full range of convenient benefits designed with you in mind. For every purchase you make with your UNFCU VISA Credit Card, you earn one (1) reward point per dollar spent on purchases.** Earning reward points is just one of the many reasons to use a UNFCU VISA Credit Card anywhere in the world. You will also earn one (1) point for every mile flown on airline tickets purchased with your UNFCU VISA Credit Card.

* See official drawing rules. **UNFCU does not pay reward points on balance transfers, convenience checks, or cash advances. Contact our Card Services Center at +1 347 686 6013 for payoff options or to request convenience checks. *** The introductory APR (annual percentage rate) for Visa Platinum Access is 0% and may vary after the first 3 billing cycles. The introductory APR for Visa Classic and Visa Gold is 5.90% and may vary after the first six billing cycles. The APR is determined by adding a margin to the Wall Street Journal Prime ("Prime") as published on the last day of the preceding month of each billing cycle subject to a minimum of 9.90% for VISA Classic and VISA Gold and 8.90% for VISA Platinum Access. If there is more than one rate published, we will use the higher rate. The margin is 6.15% for Visa Classic, 5.15% for VISA Gold and 4.15% for VISA Platinum Access. As of 10 November 2008, the current indexed rate was 10.15% for Visa Classic, 9.90% for VISA Gold, and 8.90% for Visa Platinum Access and may vary. The indicated APRs apply to purchases, balance transfers and cash advances. Creditworthiness will determine actual APR. There is a $50 annual fee for the Visa Platinum Access card. Certain UNFCU products and services are subject to approval. Unless otherwise noted, fees may be associated with certain products and services. Federal and state laws may limit the availability of certain products and services in select areas. Granting credit facilities is prohibited in certain jurisdictions if it leads to the consumer becoming over indebted. THIS DRAWING IS OPEN TO PARTICIPATING UNFCU MEMBERS ONLY AND NOT TO THE GENERAL PUBLIC. All members who apply online and are approved for a UNFCU VISA Credit Card between 31 October 2008 and 31 December 2008 will be eligible to enter the random drawing. The winner(s) will be contacted within one month of the promotion deadline of 31 December 2008. If a selected winner is unable to be contacted, is ineligible, fails to claim a prize, or fails to return any required documentation, or if the winning notification is returned as undeliverable, an alternate winner will be selected. Drawing decisions will be final and binding in all matters relating to the Promotion. Winner(s) will be notified by mail or telephone upon completion of the drawing. Acceptance of prize constitutes permission to UNFCU and its agencies to use winner(s)Õ name and/or likeness for purposes of disclosure, advertising and trade without further compensation. Employees of UNFCU, subsidiaries, advertising agencies, third party vendors and their immediate family members and/or those living in the same household of each are not eligible. All federal, state and local laws and regulations apply. Any and all federal, state and local taxes are the sole responsibility of the winner. Odds of winning a prize depend upon the number of eligible applications received. By participating, entrants release UNFCU, its affiliates, subsidiaries, advertising/promotion agencies, vendors, and the employees, officers directors and agents of any of the above organizations from any and all liability for any injuries, losses, or damages of any kind caused by participation in this promotion or the acceptance, possession or use/misuse of a gift or participation in any promotional activities. © 2008 UNFCU and "serving the people who serve the world" are registered marks of United Nations Federal Credit Union. All rights reserved. 10/2008