New Year, New Card, 0% in 2010!

*A 0% promotional APR on your new VISA Platinum Access credit card applies to the first twelve (12) billing cycles after the account opening date for balance transfers and purchases only. After twelve (12) billing cycles the rate will default to 9.90% APR. Rates are subject to change. The current indexed rate may vary. For VISA Platinum Access accounts, there is an annual fee of 50 USD. The annual fee will be posted to your account on your first billing cycle and on each subsequent twelve (12) month anniversary of your first billing cycle. The annual fee will be posted to your account balance and be subject to finance charges. Account must be applied for and opened during the promotional period of 18 January to 14 March 2010. The 0% for twelve (12) billing cycles only applies to those individuals whom apply and are approved for the VISA Platinum Access credit card during the promotional period of 18 January to 14 March 2010. The 0% offer does NOT apply to cash advances or convenience checks (excluding those utilized for balance transfers from non-UNFCU credit cards) for the 12 month promotional period. All promotional accounts will still be subject to the standard minimum monthly payment calculation. Once you have applied and been approved for the Platinum Access credit card, convenience checks will be mailed to you to transfer your balances from your external (non-UNFCU credit cards) credit cards or you can call to speak with a member service representative at +1 347-686 6000 or +1 800-891-2471 to facilitate the balance transfer. Members upgrading from a UNFCU VISA Gold or Classic Credit Card to UNFCU VISA Platinum Access Credit Card will not receive the 0% APR. They will instead receive the default rate of 9.90% APR which is the standard APR for the UNFCU Platinum Access credit card.

** Upon Platinum Access credit card approval, you will receive a Priority Pass and a catalogue with conditions of use in the mail within two weeks. For details pertaining to VIP lounges, visit www.prioritypass.com.

*** This credit limit may vary according to your creditworthiness and total outstanding loans.

UNFCU does not pay reward points on balance transfers, convenience checks or cash advances. All applications must be completed and approved by 14 March 2010 to be eligible for entry into the sweepstakes and to win.

THIS DRAWING IS OPEN TO PARTICIPATING UNFCU MEMBERS ONLY AND NOT TO THE GENERAL PUBLIC. 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 Sponsor. All members who apply online and are approved for a Visa Platinum Access Credit Card between 18 January 2010 and 14 March 2010 will be eligible to enter the random drawing for a 1,000 USD UNFCU VISA account credit or 100,000 UNFCU VISA Reward points. The winner(s) will be contacted within one month of the promotion deadline of 14 March 2010. If a selected winner is unable to be contacted, is ineligible, fails to claim a prize, or fails to return the completed and executed affidavits and releases, as required, 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 the sponsor and its agencies to use winner(s)’ name and/or likeness for purposes of disclosure, advertising and trade without further compensation. Employees of UNFCU, its affiliates, subsidiaries, advertising agencies, third party vendors, volunteers 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. 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. Certain UNFCU products and services are subject to approval. 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.

© 2010 UNFCU and 'serving the people who serve the world' are registered marks of United Nations Federal Credit Union. All rights reserved. 01/2010