>.   BATON ROUGE FELCO  — “"ssterarion) = VISA DISCLOSURE   VISA GOLD/VISA CASH BACK/VISA GOLD SECURED   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases Visa Gold 6.90% 5 7.65%, 8.40% or 10.90%, based on your creditworthiness. Visa Cash Back 9.99% 5 10.74%, 11.49% or 13.49% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Gold Secured 7.90%   APR for Balance Transfers Visa Gold 6.90% , 7.65%, 8.40% or 10.90%, based on your creditworthiness. Visa Cash Back 9.99% , 10.74%, 11.49% or 13.49%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Gold Secured 7.90%   APR for Cash Advances Visa Gold 6.90% , 7.65%, 8.40% or 10.90%, based on your creditworthiness. Visa Cash Back 9.99% , 10.74%, 11.49% or 13.49%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Gold Secured 7.90%   Penalty APR and When it Applies Visa Gold None Visa Cash Back None Visa Gold Secured None   How to Avoid Paying Interest on Purchases Your due date is at least 23 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.     Minimum Interest Charge   None   KQANLINER. © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved SEE NEXT PAGE for more important information about your account. 01701269-MXC10-P-1-040517 (MXC101-E)              For Credit Card Tips from the To learn more about factors to consider when applying for or using a Consumer Financial Protection Bureau | credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Set-up and Maintenance Fees - Annual Fee None - Account Set-up Fee None - Program Fee None - Participation Fee None - Additional Card Fee None - Application Fee None Transaction Fees - Balance Transfer Fee None - Cash Advance Fee $3.00 or 2.00% of the amount of each cash advance, whichever is greater - Foreign Transaction Fee None - Transaction Fee for Purchases None Penalty Fees - Late Payment Fee Up to $20.00 - Over-the-Credit Limit Fee None - Returned Payment Fee Up to $27.00     How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." Effective Date: The information about the costs of the card described in this application is accurate as of: April 4, 2017 This information may have changed after that date. To find out what may have changed, contact the Credit Union. Missouri Fee Notice: Credit card fees are governed by §408.140 of the Missouri Revised Statutes, unless we charge fees as permitted by applicable federal law. For California Borrowers, the Visa Gold, Visa Cash Back and Visa Gold Secured 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: The following fees do not apply to borrowers in the State of Missouri: Account Set-up Fee, Program Fee, Participation Fee, Additional Card Fee, Application Fee, Balance Transfer Fee, Transaction Fee for Purchases, Foreign Transaction Fee, Over-the-Credit Limit Fee, Statement Copy Fee, Document Copy Fee, Rush Fee, Emergency Card Replacement Fee, PIN Replacement Fee, Card Replacement Fee, Unreturned Card Fee, and Pay-by-Phone Fee. Late Payment Fee: $20.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a payment.   Cash Advance Fee (Finance Charge): $3.00 or 2.00% of the amount of each cash advance, whichever is greater.   LOANLINER. SEE NEXT PAGE for more important information about your account. © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01701269-MXC10-P-1-040517 (MXC101-E)  Returned Payment Fee: $27.00 or the amount of the required minimum payment, whichever is less.   Card Recovery Fee: None.   Card Replacement Fee: $15.00.   Document Copy Fee: $12.00 per document.   Pay-by-Phone Fee: $10.00.   PIN Replacement Fee: $5.00.   Rush Fee: $50.00 overnight. Statement Copy Fee: $5.00 per document.   Unreturned Card Fee: None.   Account Research Fee: $15.00 Per claim.   LOANLINER. © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01701269-MXC10-P-1-040517 (MXC101-E)