Merced School Employees Federal Credit Union 1021 Olivewood Drive * PO Box 1349 Merced, CA 95348 209-383-5550 * 800-542-2345 Fax: 209-383-0390 MSEFCU www.mercedschoolcu.org LQUSNLINER. VISA VISA STUDENT CREDIT CARD ACCOUNT OPENING DISCLOSURE   This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement. Please keep this attached to your LOANLINER® Consumer Credit Card Agreement.   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases 14.50%   APR for Balance Transfers 14.50%   APR for Cash Advances 14.50%   Paying Interest 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.   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   Transaction Fees - Balance Transfer Fee - Cash Advance Fee - Foreign Transaction Fee None $2.00 1.00% of each transaction in U.S. dollars   Penalty Fees     - Late Payment Fee Up to $10.00 - Over-the-Credit Limit Fee Up to $10.00 - Returned Payment Fee Up to $25.00   How We Will Calculate Your Balance. We use a method called “average daily balance (excluding 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. OTHER DISCLOSURES Late Payment Fee Over-the-Credit Limit Fee Returned Payment Fee Returned Convenience Check Fee Statement Copy Fee Document Copy Fee Rush Fee Card Replacement Fee Visa Check Stop Payment Fee $10.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. $10.00 or the amount of the transaction exceeding your credit limit, whichever is less. $25.00 or the amount of the required minimum payment, whichever is less. $25.00 or the amount of the returned convenience check, whichever is less. $0.50 per page $5.00 $50.00 $25.00 $15.00 Collection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees. Periodic Rates. The Purchase APR is 14.50% which is a daily periodic rate of 0.0397%. The Balance Transfer APR is 14.50% which is a daily periodic rate of 0.0397%. The Cash Advance APR is 14.50% which is a daily periodic rate of 0.0397%. ©CUNA Mutual Group 2009, 10, 12 All Rights Reserved DCAHY4 (MXC452 CCM002)-e