Balance Transfer APR only applies to balance transfers from other financial institutions. Your ANNUAL PERCENTAGE RATE (a) is based on your creditworthiness and your credit score obtained from your consumer report and (b) will be disclosed to you before or at the time the credit card is issued. Conditions and some restrictions apply.

Cash Rewards Platinum Visa. If your Account is a Cash Rewards Platinum Visa Account, you will be entitled to Cash Rewards equal to 1.25% of Qualifying Net Purchases during the calendar year. The maximum Cash Rewards that may be earned for any Account is $600.00 per calendar year. Cash Rewards will be paid in the form of a credit posted to your primary member savings account with Issuer within 60 days after Issuer decides to credit such Cash Rewards, which will be typically at the beginning of a new calendar year after your year-end credit card statement has been issued. Issuer may modify or terminate the Cash Rewards program at any time in Issuer’s sole discretion. For a more detailed description of the Cash Rewards program and a definition of Qualifying Net Purchases, see your new credit card agreement and disclosures.

The above information is accurate as of the date in the lower right hand corner and is subject to change. For any change in this information since it was printed contact:

BrightStar Credit Union • P.O. Box 8966 • Ft. Lauderdale, FL 33310-8966

August 1, 2007