Great Lakes Credit Union
2525 Green Bay Road
North Chicago, IL 60064
1-800-982-7850
(847) 578-7000
www.glcu.org

IMPORTANT CREDIT CARD DISCLOSURES

The  following  disclosure  represents  important  details  concerning  your  credit  card. The  information  about  costs  of  the  card  is
accurate  as  of  ____________________.  You can  call  us  at  (800)  982-7850  or  write  us  at  Great  Lakes  Credit  Union,  2525
Green Bay Road, North Chicago, IL 60064 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

Visa Rewards

Visa Low Rate

Annual Percentage Rate
(APR) for Purchases

APR for Cash Advances

Introductory APR for 12 months.

0.00%
After that, your Standard variable APR will be
%,
depending on your credit

or
history. This APR will vary with the market
based on the Prime Rate*.

%,

%,

%

Introductory APR for 12 months.

0.00%
After that, your Standard variable APR will be
%,
depending

%,
%, or

%,

%

on your credit history. This APR will vary
with the market based on the Prime Rate*.

%,

%,
depending on your credit history. This
APR will vary with the market based on
the Prime Rate*.

%, or

%

%,
%

%,

%, or
depending on your credit history.

%,

This APR will vary with the market based
on the Prime Rate*.

APR for Balance Transfers

0.00% Introductory APR for 12 months for any
transfer(s) completed within the first 60 days
of account opening.

0.00% Introductory APR for 12 months for
any transfer(s) completed within the first 60
days of account opening.

%,

After that, your Standard variable APR will be
%

%,
depending on your credit history. This
APR will vary with the market based on
the Prime Rate*.

%, or

After that, your Standard variable APR will be
%, or
%,
% depending on your credit history.

%,

%,

This APR will vary with the market based
on the Prime Rate*.

Paying Interest

Your due date is at least 21 days after we mail your billing statement. We will not
charge you interest on purchases if you pay your entire new purchase balance by the
due date each month. We will begin charging interest on cash advances and balance
transfers on the date the cash advance or balance transfer is posted to your account.

Minimum Interest Charge

None

For Credit Card Tips from
the Consumer Financial
Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the
website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

FEES:

Fees to Open or Maintain
your Account
• Annual Fee:

None

SEE NEXT PAGE for more important information about this account

9009 LASER ML FI18882 2-2016

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COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

FEES:

Transaction Fees

• Balance Transfer:

• Cash Advance:

2% of the amount of each transfer (minimum: $10.00)

2% of the amount of each cash advance (minimum: $10.00)

• Foreign Transaction:

2% of each transaction in U.S. dollars

Penalty Fees

• Late Payment:

Up to $35.00 if your payment is late

• Returned Payment:

Up to $25.00 if your payment is returned for any reason

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Loss of Introductory Rate: We  may end your Introductory Rate and apply the standard APR disclosed above if you make a
late payment.

*Variable Rates: This is a variable interest rate card. Certain requirements apply. APR = Annual Percentage Rate. A minimum
of  $250  in  purchases  during  the  first  90-days  of  account  opening  is  required  to  receive  bonus  points.  0%  Introductory APR
applies  to  purchases  for  the  first  12  months.  0%  Introductory APR  for  the  first  12  months  applies  to  balance  transfers  made
within 60 days of account opening. Balance transfers from an existing GLCU VISA Card do not qualify for the introductory rate.
After expiration of the introductory period, a variable APR equal to the Prime Rate published in the Wall Street Journal plus a
margin between _______% and _______% will apply, depending upon the borrower's creditworthiness. The variable APR may
increase or decrease thereafter if the Prime Rate increases or decreases. Rates will adjust in January, April, July and October.
The Annual Percentage Rate will never be more than the maximum rate allowed by applicable law. Any increase will lengthen
the time it takes to pay off your loan.

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