LAFCU Ga YOUR CREDIT UNION FOR LIFE ma PO Box 26188 ¢ Lansing MI 48909-6188 Phone: 517.622.6600   CREDIT CARD prea VICA OPENING DISCLOSURE Signature   VISA SIGNATURE   This Disclosure is incorporated into and becomes part of Your LOANLINER® Consumer Credit Card Agreement & Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases 16.24% This APR will vary with the market based on the Prime Rate.   APR for Balance Transfers 2.99% Introductory APR for a period of 12 billing cycles. After that, Your APR will be 16.24% . This APR will vary with the market based on the Prime Rate.   APR for Cash Advances 16.24% This APR will vary with the market based on the Prime Rate.   Penalty APR and When it Applies None   Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge You any interest on purchases if You pay Your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.   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   Annual Fee - Annual Fee None   Transaction Fees - Foreign Transaction Fee 1.00% of each transaction in U.S. dollars     Penalty Fees - Late Payment Fee - Returned Payment Fee   Up to $25.00 Up to $25.00   How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your Account Agreement for more details. Balance Transfer Introductory APR: Any existing balances on LAFCU loan or credit card accounts are not eligible for the Introductory APR for balance transfers. Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. LQANLINER. © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved SEE NEXT PAGE for more important information about Your Account. 02100212-MXC20-C-1-122019 (MXC201-E)