Rewards Visa CardAdvantage Visa CardThe following disclosure represents important details concerning your credit card. The information about costs of the card is 
accurate as of _________________. You can contact us toll free at the number or address above  to inquire if any changes  
occurred since the effective date.IMPORTANT CREDIT CARD DISCLOSURES
INTEREST RATES and INTEREST CHARGES:
Annual Percentage Rate (APR)for Purchases, Cash Advances,& Balance Transfers %,
Paying InterestYour due date is at least 21 days after we mail your billing statement. We will notcharge you interest on purchases if you pay your entire new purchase balance by thedue date each month. We will begin charging interest on cash advances and balancetransfers on the date the cash advance or balance transfer is posted to your account.
Minimum Interest ChargeNone
For Credit Card Tips from theConsumer FinancialProtection BureauTo learn more about factors to consider when applying for or using a credit card,visit the website of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmoredepending on your credit history. ThisAPR will vary with the market based onthe Prime Rate.depending on your credit history. ThisAPR will vary with the market based onthe Prime Rate.
Penalty FeesUp to $25.00 if your payment is late 10 days or moreNoneUp to $27.00 the first time your payment is returned for any reason. If a subsequentpayment is returned for any reason within the following 6 billing cycles, you will becharged up to $35.00 for each returned payment.� Late Payment:� Over-the-Credit Limit:� Returned Payment:How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."FEES:Fees to Open or Maintain yourAccount� Annual Fee:� Application Fee:NoneNoneTransaction Fees� Balance Transfer:� Cash Advance:� Foreign Transaction:NoneNone1% of each transaction in U.S. dollars if the transaction involves a currency conversion1% of each transaction in U.S. dollars if the transaction does not involve a currencyconversion%,%,%,%, or%%,%%,%,%, or%,CREDIT CARD DISCLOSURES
Arbor Financial Credit Union1551 S. 9th StreetKalamazoo, MI 49009269-375-6702 or 800-442-7340www.arborfcu.org