Platinum VISA® Credit Card

Tired of rising interest rates? Higher monthly payments? Terms & fine print that keep changing? Heritage Valley can help take the frustration out of your credit card with a low fixed rate, no penalty rate, no balance transfer fees and no annual fee. The Heritage Valley Platinum VISA® Credit Card can be used at millions of merchants worldwide and cash advances can be made at thousands of VISA® ATMs or participating financial institutions.

You'll be able to carry and use your Heritage Valley Platinum VISA® Credit Card with the confidence that you're getting the very best deal around. Heritage Valley's card has been included on CreditCardConnection.org's website (as seen on Suze Orman, Forbes Woman, CNN and Oprah Radio) as one of the most fair and ethical credit card programs in the nation! To get the best deal with the Heritage Valley Platinum VISA® Credit Card, simply complete the application and start saving today!

• Low fixed rate and no penalty rate
• No balance transfer fees
• No annual fee
• No cash advance fees
• Cash advances at purchase rate
• 25 day grace period for purchases
• Easy payment via HVFCU@Home (online), eZCardInfo or at any of our convenient locations
• Free travel/accident insurance available
• Free auto rental insurance available
• Low cost credit life insurance available
• 0% liability on unauthorized transactions
• Visa logo accepted worldwide

Ready to get over the frustration of your current card and enter the "Frustration Free Zone"? Apply here!

**To report your VISA Credit Card lost or stolen please call 1-800-991-4961.**

VISA Platinum Consumer Credit Card Agreement

eZCardInfo

Heritage Valley offers eZCardInfo -- a new level of online services for Visa holders. Now you can review your Heritage Valley Visa account and make payments 24 hours a day, 7 days a week. eZCardInfo features and benefits include:

• Account summary information
• Online statement
• Data downloadable to financial software
• Online credit card payments
• Transaction and spending reports
• E-mail notification of conditions or events on your accounts

EZCardInfo is convenience at your fingertips. Check it out today!
www.eZCardInfo.com

Verified By Visa®

Verified by Visa is a no-cost service that adds another level of safety to your card. You simply choose a personal password for your card.

Then when you shop at participating online stores, you enter your Visa credit card number, followed by your Verified by Visa password. It's that easy! You've shopped safely online!

Verified by Visa enhances your card safety because it is connected to your card, not your computer. If your card number is ever compromised, for whatever reason, Verified by Visa helps prevent unauthorized use online before it can even happen.

Want to take the next step in protecting your card purchases? Get started today!

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