Disclosure Information for Visa Platinum, Visa Platinum Rewards, Visa Signature, & Visa Platinum Cash Rewards 
             The Visa Platinum introductory APR applies only to new credit card accounts opened on or after May 12th, 2021. Not available for HVCU credit line 
           increases, refinances or HVCU credit card transfers. No exceptions will be made or considered. Offer may withdrawn at any time by HVCU without further 
                                                    notice to you. 
             Interest Rates 
             and Interest 
                         Visa� Platinum     Visa� Platinum Rewards  Visa� Signature  Visa� Platinum Cash Rewards 
             Charges 
                       0% 
           Annual      Introductory APR 12 months. 
           Percentage Rate  After that APR will be 
           (APR) for                      12.50% to 16.75%    12.50% to 13.50%   13.50% to 17.75% 
                       11.50% to 15.75% 
           Purchases                      when you open your  when you open your  when you open your 
                       when you open your 
                                          account, based on your  account, based on your  account, based on your 
                       account, based on your 
                                          credit worthiness. After  credit worthiness. After  credit worthiness. After 
                       credit worthiness. After 
                                          that, your APR will vary  that, your APR will vary  that, your APR will vary 
                       that, your APR will vary 
                                          with the market based on  with the market based on  with the market based on 
                       with the market based on 
                                          the Prime Rate      the Prime Rate     the Prime Rate 
                       the Prime Rate 
           APR  for 
                       0% 
           Balance     Introductory APR for 12 
           Transfers   months. After that APR will 
                       be                                                        13.50% to 17.75% 
                                          12.50% to 16.75%   12.50% to 13.50% 
                       11.50% to 15.75%                                          This APR will vary with the 
                                          This APR will vary with the  This APR will vary with the 
                       This APR will vary with the                               market based on the Prime 
                                          market based on the Prime  market based on the Prime 
                       market based on the Prime                                 Rate 
                                          Rate               Rate 
                       Rate 
             APR for Cash  0% 
                       Introductory APR for 12 
             Advances 
                       months. After that APR will 
                       be 
                                                                                 13.50% to 17.75% 
                       11.50% to 15.75%   12.50% to 16.75%   12.50% to 13.50% 
                                                                                 This APR will vary with the 
                       This APR will vary with the  This APR will vary with the  This APR will vary with the 
                                                                                 market based on the Prime 
                       market based on the Prime  market based on the Prime  market based on the Prime 
                                                                                 Rate 
                       Rate               Rate               Rate 
             Penalty APR  None            None               None                None 
             and When it 
             Applies 
                       Your due date is at least 25  Your due date is at least 25  Your due date is at least 25  Your due date is at least 25 
                       days after the close of each  days after the close of each  days after the close of each  days after the close of each 
           Paying Interest 
                       billing cycle. We will not  billing cycle. We will not  billing cycle. We will not  billing cycle. We will not 
                       charge you any interest on  charge you any interest on  charge you any interest on  charge you any interest on 
                       purchases if you pay your  purchases if you pay your  purchases if you pay your  purchases if you pay your 
                       entire balance by the due  entire balance by the due  entire balance by the due  entire balance by the due date 
                       date each month. We will  date each month. We will  date each month. We will  each month. We will begin 
                       begin charging interest on  begin charging interest on  begin charging interest on  charging interest on cash 
                       cash advances and balance  cash advances and balance  cash advances and balance  advances and balance 
                       transfers on the transaction   transfers on the transaction   transfers on the transaction  transfers on the transaction 
                       date.              date.              date.               date. 
           For Credit Card  To learn more about  To learn more about  To learn more about  To learn more about factors 
           Tips from the  factors to consider when  factors to consider when  factors to consider when  to consider when applying 
           Consumer    applying for or using a  applying for or using a  applying for or using a  for or using a credit card, 
           Financial   credit card, visit the  credit card, visit the  credit card, visit the  visit the website of the 
           Protection  website of the Consumer  website of the Consumer  website of the Consumer  Consumer Financial 
           Bureau      Financial Protection  Financial Protection  Financial Protection  Protection Bureau. 
                       Bureau.            Bureau.            Bureau. 
            Fees 
                                          N/A 
             Annual Fee  N/A                                 N/A                 N/A 
            Transaction Fees  
             Cash Advance  3% of advance amount  3% of advance amount  3% of advance amount  3% of advance amount 
                                                                                 Exchange Rate plus 1% of 
             Foreign    Exchange Rate plus 1% of  Exchange Rate plus 1% of  N/A 
             Transaction   transaction    transaction                            transaction 
            Penalty Fees 
             Late Payment  $25            $25                 $25                $25 
          How We Will Calculate Your Balance: We use a method called �average daily balance� (including purchases, cash advances and balance 
          transfers). See the Variable Rate Credit Card Agreement and Truth in Lending Disclosure for more details.