ma! ORNL Federal Credit Union borrow smart...save smarter 221 South Rutgers Avenue, P.O. Box 365 Oak Ridge, Tennessee 37831-0365   IMPORTANT CREDIT CARD DISCLOSURES   The following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of 12-17-2012 . You can contact us toll free at (800) 676-5328 or 221 South Rutgers Avenue, P.O. Box 365, Oak Ridge, Tennessee 37831-0365 to inquire if any changes occurred since the effective date. INTEREST RATES and INTEREST CHARGES:       Introductory APR if your credit history qualifies, for one year, on purchases, cash advances, and balance transfers made within the first sixty days. Annual Percentage Rate (APR) 3.99 of, for Purchases, Cash Advances, . 0 & Balance Transfers After that, your Standard APR will be 7.99%, 9.99%, 11.99%, 13.99%,or 17.99 % The rate you qualify for is dependent on your credit history. This APR will vary with the market based on the Prime Rate. _   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.           Minimum Interest Charge lf you are charged interest, the charge will be no less than $0.50. For Credit Card Tips from the Tolearn more about factors to consider when applying for or using a credit card, visit Consumer Financial Protection | the website of the Consumer Financial Protection Bureau at Bureau http://www.consumerfinance.gov/learnmore FEES: Fees to Open or Maintain your Account - Annual Fee: None - Application Fee: None   Transaction Fees - Balance Transfer: None - Cash Advance: None - Foreign Transaction: 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   Penalty Fees - Late Payment: 100% of the payment due or $25.00, whichever is less if your payment is more than 10 days late. - Over-the-Credit Limit: None - Returned Payment: Up to $25.00 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)." Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment. 9009 LASER FPDF F114018 Rev 10-2012 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved,