Summary of Visa Account Terms
Interest Rates and Interest Charges	Visa Signature Caird 1	Visa Platinum Cafo 1
Annual Percentage Rate (APR) for Purchase	O.OO% Introductory APR for the first six months. After that, your APR will be between 9.99% and 18.0%. This APR will vary with the market based on Prime Rate. Your interest rate will vary based on your credit history.	0.00% Introductory APR for the first six months. After that,your apr wil be ,between 7.99% and 18.0%. This APR will vary with the market based on Prime Rate. Your interest rate will vary based on your credit history.
APR for Balance Transfers	4.99% forthe life ofthe balance.	4.99% forthe life ofthe balance.
APR for Cash Advances	9.99% ■ 18.0% This APR will vary with the market based on the Prime Rate. Your interest rate will vary based on yourcredit history.	7.99% ■ 18.0% This APR will vary with the market based on the Prime Rate. Your interest rate will vary based on your credit history.
Penalty APR and When ItApplies	12.99%-18.0% This APR may be applied to your account if your payment is more than 90 days past the Payment Due Date. How Long Will the Penalty APR Apply? The Penalty APR will apply until you make six consecutive maximum payments beginning with the payment following the commencement ofthe penalty APR.	
Paying Interest	Your due date is at least 25 days after the close ofeach billing cycle. We will not charge you anyinterest on purchases ifyou pay yourentire balance by thedue date each month. We will begin charging you interest on cash advancesand balance transfers on the transaction date.	
Minimum Interest Charge	Ifyou are charged interest, the charge will be no less than $1.00.	
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 ofthe Consumer Financial Protection Bureau at http://www.consumerfnance.gov/learnmore/.	
Fees		
Annual Fees	None	
Transaction Fees •	BalanceTransfer •	Cash Advance •	Foreign Transaction	No Fee Either $10 or 2% ofthe amount ofeach cash advance, whichever is greater. 1% ofthe U.S. Dollaramount ofeach such transaction.	
Penalty Fees •	Late Payment •	Over-The-Credit-Limit •	Returned Payment	$25 for the first occurrence and $35 for each subsequent occurrence. No Fee $30	
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)/
Loss of I ntroductory APR: We may end your introductory APR and apply the Penalty APR if your payment is more than 90 days past the Payment Due Date.
Billing Rights: Information on your rightsto dispute transactions and how to exercise your rights is provided in yourCreditCard Agreement.
Late Payment fee between $25 and $35, based on whether it is the first or a subsequent occurrence.
Late Payment fee of $35 per occurrence for Business Card.
Returned Payment Fee is $30.
Contact for Updates: The information about the costs ofthe card described in this application is accurate as of January 2,2015. This information may have changed after that date. To find out what may have changed, call us at 1-800-933-3280 orwrite us at RO. Box 6999, Bridgewater, NJ 08807-6999.
Right to Change Terms: We may change APRs, feesand other Account terms in the future based on your experience with Financial Resources Federal Credit Union as provided under the Cardmember Agreement and applicable law.
How We Apply Your Payments: We apply your minimum payment to balanceswith lower APRs first, including promotional APRs. Amounts paid over the minimum payment will be applied in the order of highest to lowest APR balances.
Notice to New York Residents: You may contact the New York State Department of Financial Services by telephone at (800) 342-3736 or visit its website at www.dfc.ny.gov for free information on comparative credit card rates, fees and interest-free periods.
Notice to Married Wisconsin Residents: No provision ofany marital property agreement, unilateral statement under section 766.59 of the Wisconsin statues or court decree under section
766.70, adversely affects our interest unless we, prior to the time the credit is granted oran open-end credit plan is entered into,arefurnished a copy of the agreement, decree or court order, or have accrual knowledge of the adverse provisions. IFYOU ARE A MARRIED WISCONSIN RESIDENT; CREDIT EXTENDED UNDER THIS ACCOUNT WILL BE INCURRED INTHE INTEREST OF YOUR MARRIAGE OR FAMILY
Notice to California Residents: An applicant, if married, may apply for a separate Account.
Notice to Ohio Residents: The Ohio laws against discrimination requirethatall creditors make credit equally available toall 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.
Rewards Program Rules: From the date you open your Account until your Account is closed, you will receive 1 Reward Point ("Point") for each dollar of Net Purchases charged to your Signature Card Account during each billing cycle that the Account is open and current (not past due or overlimit) on the closing date forthe billing cycle. For Signature Card Accounts, the number of Points that may accumulate in any monthly billing cycle for your Account is unlimited. "Net Purchases"for a statement period are determined by totaling all new Purchases charged to the Account during the billing cycle then subtracting credits posted to the Account during the billing cycle for returned Purchases and/or adjustments. Pointswill not be awarded for Cash Advances or other Account Advancesas defined in the Cardmember Agreement. Points will be rewardedto the primary cardmemberand may be redeemed by an authorized cardmember on the Account. Cardmembers can redeem points for round-trip airfare beginning at 25,000 pointsin addition to Cash Back, Gift Certificates, Name Brand Merchandise Rewardsand more. Points expire five years from the end of the quarter in which they are earned. Complete terms and conditionsfor the Rewards Programwill beprovidedto Cardmembers. Rewardsare administered by a third party. The creditorand issuer of these credit cards is Financial Resources Federal Credit Union, pursuanttoa license from Visa U.S. A. Inc.