MICHIGAN FIRST CREDIT UNION CREDIT CARD AGREEMENT RATES AND FEES TABLE ® Michigan First CREDIT UNION Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases 7.99% to 19.99, 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 7.99% to 19.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   APR for Cash Advances 7.99% to 19.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   Paying Interest Your due date is at least 28 days after the close of each billing cycle. We will not charge you 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 Consumer Financial Protection Bureau website at http://www. consumerfinance.gov/learnmore.   Annual Fee None   Transaction Fees e Cash Advance e Foreign Transaction Either $5 or 2% of the amount of each cash advance, whichever is greater. 1% of each transaction in U.S. dollars.       Penalty Fees e Late Payment Up to $25 e Returned Payment Up to $25   How We Will Calculate Your Balance: We use a method called “average daily balance (including new     purchases).” See Section 12 of the agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the agreement. See the Billing Rights summary for more detail. Prime Rate: APRs are based on the 3.25% Prime Rate as of December 2012, and we add a Margin of 4.74% - 16.74% (based on your creditworthiness) to the value of the Index to determine the APR. The monthly periodic rate is currently 0.6658% — 1.6658% (based on your creditworthiness). HOW YOUR ANNUAL PERCENTAGE RATE IS DETERMINED Your account is subject to a variable rate. Your ANNUAL PERCENTAGE RATE (APR) may increase or decrease if the Index used by the Credit Union increases or decreases. The Index is the highest rate of interest identified as the “Prime Rate” in the “Money Rates” section of The Wall Street Journal on the third business day preceding the end of the most recently concluded calendar quarter. To determine the ANNUAL PERCENTAGE RATE that will apply to your account, a Margin is added to the value of the Index. The ANNUAL PERCENTAGE RATE can change quarterly on the first day of the billing cycles which begin in the months of January, April, July, and October. There is no limit on the amount by which the ANNUAL PERCENTAGE RATE can change except that the ANNUAL PERCENTAGE RATE will never be more than 25.00%. In no event will the rate ever exceed the maximum rate permitted by law. Any change in the ANNUAL PERCENTAGE RATE affects your entire balance and is effective at the beginning of the first billing cycle which follows the change. The Credit Union reserves the right to substitute a similar index if the Index described above becomes unavailable.