COMMUNITY
Credit Union
FIRST
Love Where You Bank
P.O. Box 2600
Jacksonville, FL 32232 904.354.8537 800.342.8416 www.CommunityFirstFL.org
APPLICATION AND SOLICITATION DISCLOSURE
PLATINUM REWARDS VISA/VISA PLATINUM/VISA SIGNATURE
Interest Rates and Interest Charges	
Annual Percentage Rate (APR) for Purchases	Platinum Rewards Visa 10.90% tO 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum 9.90% tO 17.40%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Signature 11.90% tO 18.00%, 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	Platinum Rewards Visa 4.90% Introductory APR for a period of 12 billing cycles. After that, your APR will be 10.90% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum 4.90% Introductory APR for a period of 12 billing cycles. After that, your APR will be 9.90% to 17.40%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Signature 4.90% Introductory APR for a period of 12 billing cycles. After that, your APR will be 11.90% to 18.00%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

SEE NEXT PAGE for more important information about your account.
© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
00900087-MXC10-P-2-051517 (MXC101-E)
APR for Cash Advances	Platinum Rewards Visa 10.90%‘to 18.00, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum 9.90% to 17.40%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Signature 11.90% to 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
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.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $1.00.
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://www.consumerfinance.gov/learnmore.
Fees	
Annual Fee - Annual Fee	None
Transaction Fees -	Balance Transfer Fee -	Cash Advance Fee -	Foreign Transaction Fee	None $10.00 or 2.00% of the amount of each cash advance, whichever is greater 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars
Penalty Fees -	Late Payment Fee -	Returned Payment Fee	Up to $25.00 Up to $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances)."
Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days following issuance of your card. Any existing balances on Community First Credit Union of Florida loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
Minimum Interest Charge:
The minimum interest charge will be charged on any dollar amount.
Effective Date:
The information about the costs of the card described in this application is accurate as of: October 3, 2018
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Platinum Rewards Visa, Visa Platinum and Visa Signature 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

SEE NEXT PAGE for more important information about your account.
© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
00900087-MXC10-P-2-051517 (MXC101-E)
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:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.
Cash Advance Fee (Finance Charge):
$10.00 or 2.00% of the amount of each cash advance, whichever is greater.
Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee:
$10.00.
Document Copy Fee:
$3.00.
Rush Fee:
$35.00.
Statement Copy Fee:
$3.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
00900087-MXC10-P-2-051517 (MXC101-E)