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Annual Percentage Rates (APR)s of Purchases	15.00%
Other APRs	Balance Transfer APR: 15.00% Cash Advance APR: 15.00%
Variable Rate Information	The APR may vary. The rate is determined by the highest prime rate published in the Money and Investing Section of The Wall Street Journal on the 3rd Monday of the prior month (“Index”) plus 7.00 percentage points.
Grace Period for the Repayment of Balance for Purchases	25 Days
Method for Computing Balance for Purchases	Average Daily Balance Including New Purchases
Annual Fee	NONE
Late Fee:	$20.00
Over Limit Fee	$20.00
Cash Advance Transaction Fee:	2% of Transaction Amount Min. $2 Max. $10
The above information is a general summary of Visa Gold plan and is accurate as of 8/30/2003. The information is subject to change. You may obtain current information by writing to us at First National Bank of Eagle River P.O. Box 1209, Eagle River, WI 54521, or by calling us at (888) 479-4406.

First National Bank of Eagle River

EHL

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