0102 ,7 yraunaJ Dear Member: This letter contains ... - Liberty Online

Dear Member:
January
7,
2010
This letter contains important information about the conversion of your The Members Own (TMO)
Visa Credit Card to an Alaska USA Visa Platinum Credit Card.
During the month of January, you will receive your new Alaska USA Visa Platinum Credit Card to
replace your existing TMO credit card. Your current credit limit, credit card balance (if any) and
ScoreCard reward points will transfer into Alaska USA’s credit card system. The features and benefits of
Alaska USA’s Scorecard reward program can be viewed at www.alaskausa.org/visa. The enclosed chart
compares the interest rates and other terms and conditions of existing TMO Visa Credit Cards to
Alaska USA’s Visa Platinum Credit Card program.
Credit Limit: Your new Alaska USA credit card limit will be the same as your TMO credit card limit.
Interest Rate: Based upon your current credit profile, the interest rate for your Alaska USA credit card
will be either 10.5%, 12.5% or 14.5% annual percentage rate (APR) and will be disclosed in the Alaska
USA credit card agreement mailed with your new credit card. Please note that the Alaska USA rate will
only apply to transactions made with your Alaska USA card. Any outstanding balance on your TMO
credit card will be transferred to your Alaska USA credit card account at the same interest rate as your
TMO credit card, and will remain at that rate until paid in full.
Card Activation: When you receive your new Alaska USA credit card, it is important that you do not
activate the card until February 7, 2010, by following the instructions on the activation sticker.
Activation and use of your Alaska USA credit card acknowledges your acceptance of the terms and
conditions as reflected in the disclosure that will be included with your new card. Once you have
activated your new Alaska USA card it will be ready for use. Please then destroy the TMO card. You will
need to contact any merchants that have recurring payments processed on your TMO credit card and
provide them with your new Alaska USA credit card information. This will ensure that your recurring
payments continue without interruption.
Your existing TMO credit card cannot be used for any purchase or other transactions after
February 6, 2010. In the event that you choose not to activate and use your new Alaska USA credit card,
please destroy both cards. Again, any unpaid TMO Visa Credit Card balances, including any unbilled
transactions authorized against your TMO credit card prior to February 6, 2010, will be transferred to
your new Alaska USA credit card account, but maintained at the same interest rate as your TMO card
until paid in full under the Alaska USA minimum payment guidelines.
If you have any questions or concerns, please contact me Monday-Friday, 10:00 a.m.-6:30 p.m. PST, at
(800) 525-9094, ext. 2830.
Sincerely,
Kent Logan
Vice President, Electronic and Card Services
Enclosure

VISA CREDIT CARD COMPARISON CHART
Interest Rates 7.9% APR Platinum
11.9% APR Gold
13.9% APR Classic
13.9% APR Classic Secured
The Members Own FCU Alaska USA FCU
Alaska USA credit card rate will be
determined from your individual
credit profile. The current interest
rate will be either 10.5%, 12.5% or
14.5% (APR).
Credit Card Limit Current credit limit Same as current The Members
Own credit limit
Rewards Program Travel and Merchandise
(Platinum only)
www.scorecardrewards.com
(2 year expiration of points)
Grace Period 25 days 25 days
Travel and Merchandise
www.scorecardrewards.com
(5 year expiration of points)
Annual Card Holder Fee No annual fee $50 annual fee waived with Alaska
USA checking account
Over the Credit Limit Fee $15 $20 (fee eliminated starting
2/13/2010)
Late Payment Fee $15 5% of Minimum payment due
($1 minimum, no maximum)
Minimum Payment 2.5% of new balance or $15,
whichever is greater.
Card Replacement Fee $10 No Fee
If your balance is: Your min
payment is:
Less than $15 balance in
full
$15 - $500 $15.00
Greater than $500 3% of new
balance
Secured Credit Card Pledged shares of $500 Pledged shares of $500
(The Members Own share
deposits securing the account will
automatically transfer to Alaska
USA)