Vibrant Credit Union
1900 52nd Avenue
Moline, IL 61265
(309) 796-7500

The following disclosure represents important details concerning your credit card. The information about costs of the card are
accurate as of
inquire if any changes occurred since the effective date.

.You can contact us toll free at (800) 323-5109 or 1900 52nd Avenue, Moline, IL 61265 to

IMPORTANT CREDIT CARD DISCLOSURES

INTEREST RATES and INTEREST CHARGES:

VISA PLATINUM

VISA CLASSIC

VISA SECURED

Annual Percentage Rate (APR)
for Purchases, Cash Advances,
& Balance Transfers

9.90%-
18.00% depending
on your credit history

11.90%-
18.00% depending
on your credit history

9.90%-
18.00% depending
on your credit history

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. We will begin charging interest on cash advances and balance
transfers on the date the cash advance or balance transfer is posted to your account.

Minimum Interest Charge

None

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:

Fees to Open or Maintain your
Account

- Annual Fee:
- Application Fee:

None
None

Transaction Fees

- Balance Transfer:
- Cash Advance:
- Foreign Transaction:

Penalty Fees

- Late Payment:

- Over-the-Credit Limit:

- Returned Payment:

None
None
1% of each transaction in U.S. dollars if the transaction involves a currency
conversion
1% of each transaction in U.S. dollars if the transaction does not involve a currency
conversion

If your payment is more than 10 days late, up to $25.00 for the first offense
and up to $35.00 each if 2 or more offenses occur within 6 months.
If you exceed your credit limit, up to $25.00 for the first offense and up to
$35.00 each if 2 or more offenses occur within 6 months.
If your payment is returned for any reason, up to $25.00 for the first offense
and up to $35.00 each if 2 or more offenses occur within 6 months.

How We Will CalculateYour Balance: We use a method called "average daily balance (including new purchases)."

9009 LASER FPDF FI15968 Rev 6-2015

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.

7/7/2018DocuSign Envelope ID: 6008C717-A748-4252-BD15-E1E4DBB4FF6B