Page 1 of 3  

Showing general ratesAll Credit CardsAccountAnnual Percentage RateLoan Amount(min/max)Loan TermOdyssey Rewards World EliteMastercardas low as 8.49%$25,000/$100,000revolvingChoice Rewards WorldMastercardas low as 9.75%$10,000/$35,000revolvingPlatinum Rewards Mastercardas low as 9.49%$500/$25,000revolvingPlatinum Mastercardas low as 8.49%$500/$25,000revolvingPlatinum Secured Mastercardas low as 10.50%$500/$25,000revolvingMastercard Credit Card Application Disclosure This information is accurate as of 1.16.20 and is subject to change after this date. For current information, please contact First Tech Federal Credit Union at PO Box2100, Beaverton, OR 97075-2100, call us at 855.855.8805 or visit firsttechfed.comInterest Rates and ChargesAnnual Percentage Rate(APR) for PurchasesOdyssey Rewards World EliteMastercard:8.49% to 18.00% when you open your account, based on your creditworthinessPlatinum Mastercard:8.49% to 18.00% when you open your account, based on your creditworthinessPlatinum Rewards Mastercard:9.49% to 18.00% when you open your account, based on your creditworthinessChoice Rewards World Mastercard:9.75% to 18.00% when you open your account, based on your creditworthinessPlatinum Secured Mastercard:10.50% to 18.00% when you open your account, based on yourcredit worthinessAfter that your APR will vary with the market based on the Prime Rate.APR for BalanceTransfers0.00% introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after account opening.After that:Odyssey Rewards World EliteMastercard:8.49% to 18.00% when you open your account, based on your creditworthinessPlatinum Mastercard:8.49% to 18.00% when you open your account, based on your creditworthinessPlatinum Rewards Mastercard:9.49% to 18.00% when you open your account, based on your creditworthinessChoice Rewards World Mastercard:9.75% to 18.00% when you open your account, based on your creditworthinessYour APR will vary with the market based on the Prime Rate.Odyssey Rewards World EliteMastercard:9.49% to 18.00% when you open your account, based on your creditworthinessEffective Date: January 16, 2020Page 2 of 3  

Interest Rates and ChargesAPR for Cash AdvancesPlatinum Mastercard:9.49% to 18.00% when you open your account, based on your creditworthinessPlatinum Rewards Mastercard:10.49% to 18.00% when you open your account, based on yourcredit worthinessChoice Rewards World Mastercard:10.75% to 18.00% when you open your account, based on yourcredit worthinessPlatinum Secured Mastercard:11.50% to 18.00% when you open your account, based on yourcredit worthinessThis APR will vary with the market based on the Prime Rate.How to Avoid PayingInterest on PurchasesYour due date is at least 21 days after the close of each billing cycle. We will not charge you interest onPurchases if you pay your entire balance by the due date each month. We will begin charging interest on cashadvances and transfers as of the transaction date.Minimum InterestNoneFor Credit Card from theConsumer FinancialProtection BureauTo learn more about factors to consider when applying for or using a credit card, visit the ConsumerFinancial Protection Bureau at: www.consumerfinance.gov/learnmoreFeesAnnual FeeOdyssey Rewards World EliteMastercard$75.00Platinum MastercardNonePlatinum Rewards MastercardNoneChoice Rewards WorldMastercardNonePlatinum Secured MastercardNoneTransaction FeesForeign TransactionCash AdvanceBalance TransferNoneNoneNonePenalty FeesLate PaymentReturned PaymentUp to $25.00Up to $25.00How We Will Calculate Your Balance: We use a method called “average daily balance” (excluding new purchases). For Cash Advances and Balance Transfers, weuse a method called "average daily balance" (including new Cash Advances and Balance Transfers).Variable Rate Information: Your APR may increase or decrease. Rates are determined and adjusted monthly on the day following your statement closing date byadding a Margin to the highest U.S. Prime Rate as of the 15th of the previous month. The Margin is determined based on an evaluation of each Member's credit history.The margin will range from 3.74% to 14.74% based on product type. Your maximum APR will not exceed 18%.How we Calculate My Minimum Payment? Your minimum payment will be 2% of your balance or $25.00 whichever is greater, if your balance is less than$25.00 your minimum payment will be equal to your balance.Page 3 of 3  

Balance Transfers: The introductory APR for balance transfers is good for 12 billing cycles from date of completed transfer on balances transferred within the first90 days of account opening. After the 12 billing cycles, your rate will be the standard purchases APR. Balances transferred from existing First Tech Federal CreditUnion accounts are not eligible for the introductory APR. Interest will start to accrue on the day the balance transfer is posted to your account, unless your balancetransfer is subject to a promotional APR of 0.00%. In this case, no interest will accrue on the balance transferred until your 0% APR introductory period ends. If youtake advantage of the introductory balance transfer offer, you will be charged interest on purchases unless your purchase APR is at a promotional 0.00%. To avoidinterest on new purchases after you transfer a balance, you must pay your entire account balance on your account, including any balances you transfer under theintroductory APR, purchases or cash advances, in full by the end of your current cycle.Change in Terms: We can change the terms of your account as permitted by law. When required, we will send you notice before doing so.Loss of Introductory APR: We may end your introductory APR and apply the rate appropriate to your account, 8.49% to 18.00% for Balance Transfers APR, ifyou make a late payment during the introductory period. This APR will vary with the market based on the Prime Rate.