UMassFive College Federal Credit Union
200 Westgate Center Drive / PO Box 1060
Hadley, MA 01035
(800) 852-5886
www.umassfive.coop

APPLICATION AND SOLICITATION DISCLOSURES

The following disclosure represents important details concerning your credit card. The information about costs of the card are
accurate as of
effective date.

. You can contact us toll free at (800) 852-5886 to inquire if any changes occurred since the

IMPORTANT CREDIT CARD DISCLOSURES

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate (APR)
for Purchases, Cash Advances,
& Balance Transfers

10.00%, 11.00%, 12.00%, or 14.00%.
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, otherwise we will charge you interest as of the date the purchase
transaction posted to your account. We will begin charging interest on cash advances
and balance transfers on the date the transaction posts 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:
- Application Fee:
- Inactivity Fee:

Transaction Fees

- Balance Transfer:
- Cash Advance:
- Foreign Transaction:

Penalty Fees

- Late Payment:

- Over-the-Credit Limit:
- Returned Payment:

None
None
None

None
$10.00 or 3.00% of the amount of each cash advance, whichever is greater.
1.00% of each transaction in U.S. dollars if the transaction involves a currency conversion
0.80% of each transaction in U.S. dollars if the transaction does not involve a currency
conversion

$25.00 or the amount of the required minimum payment, whichever is less, if you are
one (1) or more days late in making a payment. In the event you fail to make a payment
on time in any of the six (6) billing cycles following the initial violation, you will be
charged $35.00 or the amount of the required minimum payment, whichever is less
None
$25.00 or the amount of the required minimum payment, whichever is less.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Minimum Payment Requirement: $25.00 or 2% of the total new balance, whichever is greater.

9009 LASER DP FI16547 Rev 12-2015

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.