»< CFE = FEDERAL CREDIT UNION P.O. Box 958471 * Lake Mary, FL22795-8471 (407) 896-9411 * (800) 771-9411 APPLICATION AND SOLICITATION VISA DISCLOSURE   VISA PLATINUMMISA PLATINUM CASH/VISA PLATINUM REWARDS/VISA PREMIER CASH/VISA PREMIER REWARDS   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases Visa Platinum 10.50% to 17.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Cash/Visa Platinum Rewards 12.00% to 17.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Premier Cash 16.00% to 17.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Premier Rewards 16.00% to 17.75%. when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.     APR for Balance Transfers   Visa Platinum 10.50% to 17.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Cash/Visa Platinum Rewards 12.00% to 17.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Premier Cash 16.00% to 17.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Premier Rewards 15.00% to 17.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   IOANLINER. © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved SEE NEXT PAGE for more important information about your account. 0090030 1-MXC10-P-1- 100317 (MxC101-E)    APR for Cash Advances Visa Platinum 10.50% to 17.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Cash/Visa Platinum Rewards 12.00% to 17.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Premier Cash 16.00% to 17.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Premier Rewards 16.00% to 17.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   Penalty APR and When it Applies Visa Platinum 17.75% This APR will vary with the market based on the Prime Rate. Visa Platinum Cash/Visa Platinum Rewards 17.75% This APR will vary with the market based on the Prime Rate. Visa Premier Cash 17.75% This APR will vary with the market based on the Prime Rate. Visa Premier Rewards 17.75% This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you: - Make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due.   How to Avoid Paying Interest on Purchases 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.   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:/Anww.consumerfinance.gov/learnmore.   Fees     Annual Fee - Annual Fee   None   KQANUNER, © GUNA Mutual Group 2009,.10, 12,16 All Rights Reserved SEE NEXT PAGE for more important information about your account. OOS00391-MXC10-P-1-400317 (MMC101-E}    Transaction Fees - Balance Transfer Fee None - Cash Advance Fee None - Foreign Transaction Fee - Visa 3.00% of each transaction in U.S. dollars Platinum, Visa Platinum Cash/Visa Platinum Rewards, Visa Premier Cash - Foreign Transaction Fee - Visa Premier | None       Rewards Penalty Fees - Late Payment Fee Up to $38.00 - Returned Payment Fee Up to $27.00   How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. Effective Date: The information about the costs of the card described in this application is accurate as of: June 15, 2018 This information may have changed after that date. To find out what may have changed, contact the Credit Union. For California Borrowers, the Visa Platinum, Visa Platinum Cash/Visa Platinum Rewards, Visa Premier Cash and Visa Premier Rewards are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c)} all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower. Other Fees & Disclosures: Late Payment Fee: $27.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $38.00 or the amount of the required minimum payment, whichever is less.   Returned Payment Fee: $27.00 or the amount of the required minimum payment, whichever is less.   Card Replacement Fee: $5.00.   Document Copy Fee: $5.00 per document.   Statement Copy Fee: $5.00 per document.   Account Research Fee: $20.00 per hour. Minimum $5.00.   IQANUNER, © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 00800291-WKC10-P-1-1003817 (MMC101-E}