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 01/01/2016   _ You can contact us toll free at (800) 296-8882 or 1630 King Street, Alexandria, VA 22314- 2745 to inquire if any changes occurred since the effective date.                         EMV Visa Platinum ENV Visa Platinum Secured Annual Percentage Rate (APR) % to % 0 for Purchases 7.24 15.24 7.24 /o depending on your credit history. This APR will vary with the This APR will vary with the market based on the market based on the Prime Rate. Prime Rate. APR for Cash Advances 7.24 % to 15.24 % 7.24 % depending on your credit history. This APR will vary with the This APR will vary with the market based on the market based on the Prime Rate. Prime Rate. APR for Balance Transfers 7.24 “%to 15.24 % 7.24% depending on your credit history. This APR will vary with the This APR will vary with the market based on ihe market based on the Prime Rate. 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, we will begin charging interest on the transaction date.   Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50.   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 to Open or Maintain               your Account - Annual Fee: None -~ Application Fee: None Transaction Fees - Balance Transfer. None - Cash Advance: Over the Counter: None; ATM: $3.00 ~ Foreign Transaction: None   Penalty Fees - Late Payment: - Over-the-Credit Limit: - Returned Payment:     Up to $25.00 if your payment is late None Up to $25.06 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)." If you currently receive your credit union statement electronically, your credit card statement will be electronic as well. Other Fees: In addition to the fees disclosed above, the following fees may be imposed: Card Replacement Fee: None Special Delivery of Cards: Actual Expense Incurred page 3 of 3