Interest Rates and Interest Charges Penalty Fees © Late Payment © Over-the- Credit Limit © Returned Payment VISA Platinum 7.99% to 17.99% based on your creditworthiness. 7.99% to 17.99% when you open your account, based on your creditworthiness. 7.99% to 17.99% when you open your account, based on your creditworthiness. N/A 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 balance by the due date each month. None VISA Platinum Rewards 9.49% to 17.99% based on your creditworthiness. 9.49% to 17.99% when you open your account, based on your creditworthiness. 9.49% to 17.99% when you open your account, based on your creditworthiness. N/A 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 balance by the due date each month. None 09/30/2021 VISA Signature 14.74% this APR will vary with the market based on the Prime Rate. 14.74% this APR will vary with the market based on the Prime Rate. 14.74% this APR will vary with the market based on the Prime Rate. N/A 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 balance by the due date each month. None VISA Share Secured 13.90% 13.90% 13.90% 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 balance by the due date each month. None 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 www.consumerfinance gov/learnmore. None © I%of US. Dollar Amount © $25 or 2.5% of outstanding balance, whichever is less ($10 minimum) © None © $23 None None © None None ® None 1% of U.S. Dollar Amount e 1% of U.S. Dollar Amount $25 or 2.5% of outstanding © $25 of 2.5% of outstanding balance, whichever is less balance, whichever is less ($10 minimum) ($10 minimum) None © None $23 © $23 © None ® None © IW%of US. Dollar Amount © $25 or 2.5% of outstanding balance, whichever is less ($10 minimum) © None ° $23