Teachers Federal Credit Union 1 r ei 102 Motor Parkway Hauppauge, NY 11788 (631) 698-7000 r PS Choice For Everyone Teachers Federal Credit Union VISA VISA LOW RATE CLASSIC CREDIT CARD ACCOUNT OPENING DISCLOSURE   This Disclosure 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 9.84% Purchases APR for Balance Transfers 9.84% APR for Cash Advances 9.84% Penalty APR and When it Applies None   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 balance transfers and cash advances on the transaction date.   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   Set-up and Maintenance Fees - Account Set-up Fee - Program Fee - Participation Fee - Additional Card Fee - Application Fee None None None None None   Transaction Fees - Balance Transfer Fee - Cash Advance Fee (ATM) -Cash Advance fee (Over-the-Counter) - Foreign Transaction Fee - Transaction Fee for Purchases $5.00 or 3.00% of the amount of each balance transfer, whichever is greater $5.00 or3.00% _ of the amount of each cash advance, whichever is greater $5.00 or3.00% _ of the amount of each cash advance, whichever is greater (Maximum Fee: $999.99) 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars None     Penalty Fees - Late Payment Fee Up to $25.00 - Over-the-Credit Limit Fee None - Returned Payment Fee Up to $32.00     How We Will Calculate Your Balance: We use a method called “average daily balance (including 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 Returned Payment Fee @CUNA Mutual Group 2009, 10, 12 All Rights Reserved $25.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making a payment. $27.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six billing cycles following the initial violation, you will be charged $32.00 or the amount of the required minimum payment, whichever is less. DNYUR1 (MXC453 CCMO003)-e SEE NEXT PAGE for more important information about your account.  Returned Convenience Check Fee $15.00 or the amount of the returned convenience check, whichever is less. Statement Copy Fee $3.00 Document Copy Fee None Rush Fee $35.00 Emergency Card Replacement Fee None PIN Replacement Fee None Card Replacement Fee $5.00 Unreturned Card Fee None Card Recovery Fee None Pay-by-Phone Fee $10.00 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 9.84% which is a daily periodic rate of 0.0270%. The Balance Transfer APR is 9.84% which is a daily periodic rate of 0.0270%. The Cash Advance APR is 9.84% which is a daily periodic rate of 0.0270%. DNYUR1 (MXC453 CCM003)-e