73 Mountainview Blvd.
PO Box 621
Basking Ridge, NJ 07920
800-325-0808
www.affinityfcu.com

The following disclosure represents important details concerning your credit card. The information about costs of the card are
accurate  as  of  _________  .  You can  contact  us  toll  free  at  800-  325-0808  or  the  address  above  to  inquire  if  any  changes
occurred since the effective date.

1/1/2016

IMPORTANT CREDIT CARD DISCLOSURES

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate
(APR) for Purchases, Cash
Advances, and Balance
Transfers

Premium VISA
8.85
%,
10.85
%,
12.85
%,
14.85
or
depending on
your credit
history. This APR
will vary with the
market based on
the Prime Rate.

%

Pure Rewards
VISA

12.25
%,
14.25
%,
16.25
%,
18.00
or
depending on
your credit
history. This APR
will vary with the
market based on
the Prime Rate.

%

Hillsborough
Rewards VISA
10.85
%,
12.85
%,
14.85
%,
16.85
or
depending on
your credit
history. This APR
will vary with the
market based on
the Prime Rate.

%

VISA Classic

Secured VISA

%

10.85
This APR will
vary with the
market based on
the Prime Rate.

%

10.85
This APR will
vary with the
market based on
the Prime Rate.

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. 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
transaction date.

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:
- Application Fee:

None
None

Transaction Fees

- Balance Transfer:
- Cash Advance:
- Foreign Transaction:

Penalty Fees

- Late Payment:

- Returned Payment:

None
2% of the amount of each cash advance
1% of each transaction in U.S. dollars if the transaction involves a currency conversion
0.8% of each transaction in U.S. dollars if the transaction does not involve a currency
conversion

$27 the first time your payment is late. If you make a subsequent late payment within the
following 6 billing cycles, you will be charged $37 for each late payment.
$27 the first time your payment is returned for any reason. If a subsequent payment is
returned for any reason within the following 6 billing cycles, you will be charged $37 for
each returned payment.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

9009 LASER FPDF FI17839 Rev 12-2015

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.