Visa Credit Cards: An open-end credit card program with a low fixed rate of 11.5% APR new purchases as of January 18, 2006 will be charged 10.9% APR. Valley 1st Community Visa Credit Cards can be used at thousands of merchant locations around the world for purchases and cash advances. The card carries up to $10,000 credit limit for qualified borrowers. For current cardholders, please visit www.myccinfo.com for the most up to date information on your account.

Introducing VERIFIED BY VISA.

Password-protect your Visa card for added safety online.

A new way to add safety when you buy online. Protect your existing Valley 1st Community F.C.U. Visa card by creating a personal password as unique as you are.

VERIFIED BY VISA helps ensure that only you can use your Visa card to buy online.* Register today! It takes just a few minutes to activate.

Activate now
Click: www.visa.com/verified

VERIFIED BY VISA.
Same card, added safety when you buy online.

* At participating online stores.

                                           CAUSE A LOSS POLICY: 

It is the policy of Valley 1st Community FCU to deny future credit related services (e.g. Loans and Credit Cards) as well as ATM services, share draft privileges, dividends and pre-authorized transfers to any member who has an existing credit obligation in default or has engaged in any transaction that has caused this Credit Union to suffer a pecuniary loss.  If however, the credit obligation is reaffirmed or otherwise voluntarily repaid or the member cures any loss or expense with respect to the matter, then, the member will remain eligible for credit related and other services as though the default or potential loss had not occurred.

Signed:

Board of Directors, Valley 1st Community F.C.U.               March 24, 2003