• CCMS VISA® Credit Card Offer

Consumer VISA® Credit Card Rate and Disclosure Information

	Platinum Flex Miles	Classic Flex Miles	Non-Mileage Card*
Annual Percentage Rate (APR)	5.00%	5.00%	5.00%
Monthly Periodic Rate	.688%	.688%	.688%
Variable Rate Information	Your APR may vary. See explanation below.**	Your APR may vary. See explanation below.**	Your APR may vary. See explanation below.**
Penalty APR	Up to 21%. See explanation below.***	Up to 21%. See explanation below.***	Up to 21%. See explanation below.***
Annual Fee	$35	$35	None
Grace Periods	60 days for purchases. No grace period for Cash Advances.	60 days for purchases. No grace period for Cash Advances.	60 days for purchases. No grace period for Cash Advances.
Method of Computing Balances for Purchases and Cash Advances	Average daily balance (including New Purchases and Cash Advances).	Average daily balance (including New Purchases and Cash Advances).	Average daily balance (including New Purchases and Cash Advances).
Cash Advance Fee	2% of the amount of the Cash Advance subject to a minimum fee of $2.00	2% of the amount of the Cash Advance subject to a minimum fee of $2.00	2% of the amount of the Cash Advance subject to a minimum fee of $2.00
International Transaction Fee	1% of the U.S. dollar amount of the transaction converted from a foreign currency.	1% of the U.S. dollar amount of the transaction converted from a foreign currency.	1% of the U.S. dollar amount of the transaction converted from a foreign currency.
Additional Fees	Late Payment: $29 Over-The-Limit: $29 NSF: $29 Pay-by-Phone: $10	Late Payment: $29 Over-The-Limit: $29 NSF: $29 Pay-by-Phone: $10	Late Payment: $29 Over-The-Limit: $29 NSF: $29 Pay-by-Phone: $10

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* Non-Mileage cards include Visa Platinum and Visa Classic.

** The (APR) Annual Percentage Rate will vary based on changes in the Index (the National Prime Rate published in the Wall Street Journal). The Index will be adjusted on the 25th day of each month or the business day preceeding the 25th day if that day falls on a weekend or a holiday recognized by the Federal Reserve Bank. Changes in the Index will take effect beginning with the first billing cycle in the Month following a change in the Index. Increases or decreases in the Index will cause the APR and regular periodic rate to fluctuate, resulting in increased or decreased Finance Charges on the Account. As of April 30, 2008, the Index was 5.00%. The account will never have an APR over 21%.

*** If you allow your account to become 60 days past due, we may increase the APR on all balances to a higher APR equal to the Index plus a margin of 10.9% up to a maximum of 21%. However, if your APR is increased, your Account may become eligible for a lower APR if you make timely payments for three consecutive months.

If you do not qualify for a Platinum Flex Miles Card and you qualify for a Classic Card, you will be automatically offered a Classic Flex Miles Card.

+ The Special VISA® Credit Card offer to members of Clark County Medical Society terminates when (a) the doctor's relationship with Clark County Medical Society terminates or (b) at such time when Community Bank of Nevada decides to terminate the Special VISA® Credit Card offer, at which time rates and fees will revert to the current rates and fees available for Community Bank of Nevada customers.

++ Alimony, Child Support or Seperate Maintenance income need not be revealed if you do not wish it to be considered as a basis for repaying this obligation.

The information about the Cost described in this table is accurate as of November 1, 2006. This information may change after that date. To find out what may have changed, call us at 800-367-7576 or write Card Service Center, P.O. Box 569120, Dallas, Texas 75356-9120.

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