INTEREST RATES and INTEREST CHARGES:
Paying Interest
Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on 
purchases if you pay your entire new purchase balance by the due date each month. For Cash 
Advances and Balance Transfers, we will begin charging interest on the transaction date.
For Credit Card Tips fromthe Consumer FinancialProtection BureauMinimum Interest ChargeNoneTo learn more about factors to consider when applying for or using a credit card, visit thewebsite of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmore- Annual Fee:-
Application Fee:NoneNoneFees to Open or Maintainyour AccountFEES:
SEE NEXT PAGE for more important information about this account
page 1 of 2The following disclosure represents important details concerning your credit card. This statement is incorporated into andbecomes a part of your Credit Card Agreement. We reserve the right to periodically review your credit standing and to increase any rate on your new balances, in accordance with applicable law. The Credit Card you have received is indicated by the checkbox below.TRUTH-IN-LENDING DISCLOSURESTATEMENT - ACCOUNT OPENING DISCLOSURES
9010 LASER VELOCITY FI18735 Rev 7-2017 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.ACCOUNT NUMBER BORROWER 1 NAMEBORROWER 2 NAME DATE
United Federal Credit Union
2807 S. State StreetSt. Joseph, MI 49085(888) 982-1400
Transaction Fees
NoneNone
0% of each transaction in U.S. dollars if the transaction involves a currency conversion
 0% of each transaction in U.S. dollars if the transaction does not involve a currency conversion- Balance Transfer:- Cash Advance:- Foreign Transaction:
Penalty Fees- Late Payment:- Over-the-Credit Limit:- Returned Payment: If your payment is made 5 or more days after your statement cycle closes , up to $28 for the 
first occurrence and up  to $39 each if 2 or more occurrences occur within 6 months.
None
Up to $34 if your payment is returned for any reason
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See youraccount agreement for more details.Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your accountagreement.Loss of Introductory 
Rate: We may end your Introductory Rate and apply the standard APR disclosed above if you make alate payment.Annual Percentage Rate(APR) for Purchases 10.74-18.00% .  This APR 
will vary with the market based on the 
Prime Rate*.
APR for Balance Transfers**
APR for Cash Advances
67.74-17.74%.   The APR will vary 
with the market based on the Prime 
Rate*.10.74-18.00%.  This APR 
will vary with the market based on 
the Prime Rate*.
10.74- 18.00%.  This APR will vary 
with the market based on the Prime 
Rate*.0.00-2.99%  Introductory APR for __6__  
months of account opening.  After that, your 
Standard APR will be 
7.74-17.74%.  This APR will vary with  
the market based on the Prime Rate*.
0.00-2.99%  Introductory APR for  __6__ months  of 
account opening.  After that, your Standard APR will 
be 7.74-17.74%.  This APR will vary with the 
market based on the Prime Rate*. page 2 of 2OTHER IMPORTANT DISCLOSURES:
THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS
AGREEMENT.
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTSYOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THISAGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/ORFEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE.Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment understate or federal law if given are not subject to this security interest.If you have other loans with us, collateral securing such loans will also secure your obligations under this Agreement, unlessthat other collateral is a building located or to be located in a special flood hazard area as defined by applicable floodinsurance laws; household goods; residential real property; or a dwelling.
*Variable Rates: The Annual Percentage Rate will be determined monthly by adding a margin to an Index value. For U First, the  margin is  
between 4.49- 14.49 percentage points. For U Rewards, the margin is between 7.49- 14.75 percentage points. The  Index value is the Prime  
Interest Rate published in the Wall Street Journal �money rates� table on the last business day of the  month (or next business day if the last  day 
falls on a weekend or holiday). A new rate will not apply to your account until the first  day of your next billing cycle that begins after a  change  
date. The Annual Percentage Rate will never be more than 18.00%. Any increase will take the form of more payments of the same amount.
Daily Periodic Rates: U First - Purchases Introductory Rate: 0.00000%-0.00819%; Purchases Rate: 0.02121%-0.04860%; Balance Transfers 
Introductory Rate: 0.00000%-0.00819%; Balance Transfers Rate: 0.02121%-0.04860%; Cash Advances: 0.02121%-0.04860%
Daily Periodic Rates: U Rewards � Purchases Rate: 0.02942-0.04932%; Balance Transfers Rate: 0.02942%-0.04932%; Cash Advances: 
0.02942%-0.04932%
**Balance Transfers. You may make transfers in any amount as long as the total amount of your balance transfer is less than your available  
credit limit. You should not transfer any disputed charge amounts because you may lose your dispute rights. You may not transfer balances 
from other cards or accounts issued by United Federal Credit Union.
eff 3/17/2020