VISA GOLD Disclosure Interest Rates and Interest Charges Initials InitialsHow Will We Calculate Your Balance:  We use a method called "average daily balance (including new purchases)." See your account agreement for more details.Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.11.95%This APR shall be determined by the Hughes Federal Credit Union's Board of DirectorsAnnual Percentage Rate (APR)for Purchases11.95%This APR shall be determined by the Hughes Federal Credit Union's Board of DirectorsAPR for Balance Transfers11.95%This APR shall be determined by the Hughes Federal Credit Union's Board of DirectorsAPR for Cash Advances16.99%This APR may be applied to your account if you make a late payment for two (2) consecutive months.Penalty APR when it appliesHow Long Will the Penalty APR Apply:  If your APR is increased for the above reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.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.  We will begin charging interest on cash advances and balance transfers on the transaction date. Paying InterestNoneMinimum Interest ChargeTo 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://www.consumerfinance.gov/learnmoreFeesNoneAnnual FeeNoneNone1% of each transaction in U.S. dollars.Transaction Fees* Balance Transfer* Cash Advance* Foreign Transaction* Late Payment* Over-the-Credit Limit* Returned PaymentPenalty FeesUp To $30Up To $20Up To $30Other Fees*Card Replacement*Pull and Rush Fee$10$30*Convenience Check Fees$10 for returned checks$7.50 for stop payment$7.50 for each check copyFor Credit Card Tips from the Consumer Financial Protection Bureau*Pay by Phone (expedited)$5*Design Your Own Card$9.95GOLD_Credit_Card_Disclosure12/23/2019THIS  PAGE INTENTIONALLY LEFT BLANK