Visa ScoreCard

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READY FOR SOMETHING BIG

• Low APR
• Spending flexibility
• Fraud protection*
• Superior member service

From big projects to big dreams, your Visa Credit Union Credit Card makes it possible.

The benefits you want:

Low APR – Save money on your purchases with a low annual percentage rate.

Spending Flexibility – Use your spending power however you choose, for everything from lightbulbs to airline tickets.

Fraud Protection – The Visa Zero Liability policy* ensures that if your card is lost or stolen, you are not responsible for purchases you didn’t make.

Worldwide Acceptance – Rest assured that your card can be used at millions of places, including online and over the phone.

The service you deserve:

Emergency Card Replacement/ Emergency Cash Disbursement – Quickly and easily get a replacement credit union Visa card sent to you and/or receive emergency cash at a convenient location with this 24-hour worldwide service.

Lost/Stolen Card Reporting – If your card is lost or stolen, we will work with you to promptly notify the appropriate parties and replace your card.

Cardholder Inquiry Service – Receive fast 24-hour assistance by phone for questions related to your card. Request your Visa ScoreCard today. Ask your credit union representative for an application.

What will you do with your new Ohio Visa Card? Ask a credit union representative for an application today. Cook, fly, rent, repair, see, listen, ride, stay, send, shop, dine, play, read, and more!

*Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM transactions, PIN transactions not processed by Visa or certain commercial card transactions. Cardholder must notify card issuer promptly of any unauthorized use. Consult issuer for additional details or visit www.visa.com/security.

Visit www.Visa.com/purchasealerts for enrollment

Rates

Card Type	APR
VISA Prime*	13.50%
VISA Classic with Scorecard	12.50%

Cash Advance                                  18.0%

*Variable Rate Index- Wall Street Journal’s Average Bank Prime Rate

Rates are subject to change. Please check with a Member Service Representative.

“The Ohio laws against discrimination require that all creditors make credit equity available to all creditworthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.”

Get your free credit report today at www.annualcreditreport.com

Security

• Shop anywhere. Stay safe everywhere.
• Teaming up with Visa’s Multiple Layers of Security
• Shopping with confidence: Visa’s multiple layers of security.
• Zero Liability
• Ensures you won’t have to pay for unauthorized purchases
• With replacement funds we’ll return any funds lost from your account due to fraudulent use
• Fraud Monitoring
• Looks for early signs of suspicious activity
• Verified by Visa
• Offers additional password protection at select merchants to help make sure you’re the only one who can use your card online
• 3-digit security code
• Adds even greater protection when shopping online or over-the-phone
• ID Theft Assistance
• Provides access to counseling services at no additional cost to help resolve any ID theft issues

Let’s work together

No matter where you shop (even online), you can feel confident using your Credit Union Visa® Debit card or Credit card because we’re always working to keep you safe – with multiple layers of security.* But there are some steps you can take to help protect yourself as well. Some may seem like common sense, but it’s important to keep them in mind.

General tips on card safety:

• If your card is ever lost or stolen, report it immediately
• Don’t leave your card anywhere it could be easily taken (this includes the glove compartment of your car)
• Make sure you memorize your PIN
• Shred documents that contain any personal or financial information before you dispose of them
• Before shopping online, ensure your computer has up-to-date anti-virus and spyware software installed

Avoiding “phishy” emails

Many businesses use email as an easy way to communicate with their customers. And online banking and shopping are very safe. But as your credit union, we will never ask you to provide personal information such as account numbers, passwords or your Social Security number over email.

This is important to remember because you may occasionally receive “official looking” emails from people posing as legitimate organizations, asking you for your personal information – this is illegal (it’s called “phishing”).

Don’t fall for scare tactics – if you receive an email that you’re not sure about, forward it to phishing@visa.com or contact your credit union. Keeping up-to-date You should look at your account details regularly to make sure you don’t have any unauthorized transactions. This can be made easier by checking your statements and paying bills online. It’s also a good idea to check your credit report annually for any activity you didn’t initiate. For information on how you can obtain a free annual credit report, visit www.annualcreditreport.com

Visa is an industry leader in card security. By keeping these simple tips in mind, you can help us keep your card safe – at the store, online or anywhere else.

Sharefax Visa® Gift Cards

Gift giving made easy with Sharefax Visa® Gift Cards!

Looking for practical and affordable gifts . . .

• Something that is the right size and just the right color.
• Something that can be appreciated by everyone .
• Something for that person who already has everything.

Sharefax Visa Gift Cards . . . they're perfect for anyone!

You can pick any denomination you want, up to $1000.00.*

Visa Gift Cards can be used at tens of thousands of stores nationwide . . . anywhere VISA Debit Cards are accepted!

They're easy to purchase, too . . . Visa Gift Cards are available at every Sharefax branch in a variety of designs.

Sharefax VISA Gift Card

Give that special person the freedom to buy what they really want with the Sharefax Visa gift card!

• Available in amounts from $10 to $1000
• Can be used everywhere VISA Debit Cards are accepted…millions of places worldwide!
• Multiple card designs to choose from, and affordable at $X.XX per card
• Available at all Sharefax locations.

For more information, please call 513-753-2440.

Credit Card Rewards

Great News for VISA Scorecard Holders!

Sharefax Credit Union VISA Scorecard holders* now have the option to “household” their reward points!
It’s a great way to earn rewards even faster! Go to scorecardrewards.com for additional details or contact a Member Service Representative.

*Must be like cards (Scorecard & Scorecard / Prime & Prime). Last Name, Address and zip code must be the same for all account holders. Only Head of Household will be eligible to redeem points. Points will only be on Head of Household statements.

Interested in a Sharefax VISA card? Apply Today!

SCORECARD® REWARDS

Let your Visa ScoreCard work for you with the award-winning ScoreCard Rewards program. Receive Bonus Points for every qualified purchase, then redeem those Bonus Points for brand-name merchandise or travel rewards. Your Bonus Points are automatically recorded and you can see your Bonus Point totals online. You’ll receive additional ScoreCard information in future monthly billing statements that identifies rewards and specific terms and conditions. Get details online at www.ScoreCardRewards.com or by calling 800-854-0790.

Join Sharefax Credit Union

Become part of Sharefax Credit Union today and experience banking that puts you first. Enjoy competitive rates and a range of member benefits designed to improve your financial well-being. We also offer credit union special financing programs to help you access vital funds if you have a low credit score or income. Join our community today!