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Showing general ratesAll Credit CardsAccountAnnual Percentage RateLoan Amount(min/max)Loan TermOdyssey Rewards World EliteMasterCardas low as 12.24%$25,000/$100,000revolvingChoice Rewards WorldMasterCardas low as 11.24%$10,000/$35,000revolvingPlatinum Rewards MasterCardas low as 11.24%$500/$25,000revolvingPlatinum MasterCardas low as 10.24%$500/$25,000revolvingPlatinum Secured MasterCard17.25%$500/$25,000revolvingPlatinum MasterCard®, Platinum Rewards MasterCard, Platinum Secured MasterCard, Choice Rewards World MasterCard, andOdyssey Rewards® World Elite MasterCard Card Application DisclosureThis information is accurate as of 01.19.18 and is subject to change after this date. For current information, please contact First Tech Federal Credit Union at PO Box2100, Beaverton, OR 97075-2100, call us at 855.855.8805 or visit firsttechfed.comInterest Rate and ChargesAnnual Percentage Rate (APR) forPurchasesOdyssey Rewards World EliteMasterCard:12.24% to 18.00% when you open your account, based on yourcredit worthinessPlatinum MasterCard:10.24% to 18.00% when you open your account, based on yourcredit worthinessPlatinum Rewards MasterCard:11.24% to 18.00% when you open your account, based on yourcredit worthinessChoice Rewards World MasterCard:11.24% to 18.00% when you open your account, based on yourcredit worthinessPlatinum Secured MasterCard:17.25%After that your APR will vary with the market based on the Prime Rate.APR for Balance Transfers0.00% introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after accountopening. After that:Odyssey Rewards World EliteMasterCard:12.24% to 18.00% when you open your account, based on yourcredit worthinessPlatinum MasterCard:10.24% to 18.00% when you open your account, based on yourcredit worthinessPlatinum Rewards MasterCard:11.24% to 18.00% when you open your account, based on yourcredit worthinessChoice Rewards World MasterCard:11.24% to 18.00% when you open your account, based on yourcredit worthinessYour APR will vary with the market based on the Prime Rate.Odyssey Rewards World EliteMasterCard:13.24% to 18.00% when you open your account, based on yourcredit worthinessEffective Date: April 1, 2018Page 2 of 2  

Interest Rate and ChargesAPR for Cash AdvancesPlatinum MasterCard:11.24% to 18.00% when you open your account, based on yourcredit worthinessPlatinum Rewards MasterCard:12.24% to 18.00% when you open your account, based on yourcredit worthinessChoice Rewards World MasterCard:12.24% to 18.00% when you open your account, based on yourcredit worthinessPlatinum Secured MasterCard:18.00%This APR will vary with the market based on the Prime Rate.Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest onPurchases if you pay your entire balance by the due date each month.For Credit Card Tips from theConsumer Financial ProtectionBureauTo learn more about factors to consider when applying for or using a credit card, visit theConsumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.FeesSet-up and Maintenance FeesAnnual FeeOdyssey Rewards World EliteMasterCard$75Platinum MasterCardNonePlatinum Rewards MasterCardNoneChoice Rewards WorldMasterCardNonePlatinum Secured MasterCardNoneTransaction FeesForeign TransactionCash AdvanceBalance TransferNoneNoneNonePenalty FeesLate PaymentReturned PaymentUp to $25.00Up to $25.00How We Will Calculate Your Balance: We use a method called “average daily balance” (excluding new purchases).Loss of Introductory APR: We may end your introductory APR and apply the rate appropriate to your account, 10.24% to 18.00% for Balance Transfers APR, ifyou make a late payment during the Introductory period. This APR will vary with the market based on the Prime Rate.First Tech Federal Credit Union reserves the right to change terms, rates and fees at its discretion, subject to the Member Agreement andDisclosure Statement for your Account and applicable law.