Credit Union COMMUNITY a” FIRST Love Where You Bank P.O. Box 2600 Jacksonville, FL 32232 904.354.8537 800.342.8416 www.CommunityFirstFL.org   VISA PLATINUM APPLICATION AND SOLICITATION DISCLOSURE   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases 8.1 5% to 1 6.65% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   APR for Balance Transfers 8.15% to 16.65% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   APR for Cash Advances 8.15% to 16.65% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   How to Avoid Paying Interest on Purchases 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.   Minimum Interest Charge lf you are charged interest, the charge will be no less than $1.00. The minimum interest charge will be charged on any dollar amount.   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 - Cash Advance Fee - Foreign Transaction Fee $10.00 or 2.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $50.00) 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars     Penalty Fees - Late Payment Fee - Returned Payment Fee   Up to $25.00 Up to $25.00   How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).” Effective Date. The information about the costs of the card described in this application is accurate as of December 18, 2015. This information may have changed after that date. To find out what may have changed, contact the Credit Union. OTHER DISCLOSURES Late Payment Fee Returned Payment Fee Statement Copy Fee Document Copy Fee Rush Fee Card Replacement 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 one (1) or more days late in making a payment. $25.00 or the amount of the required minimum payment, whichever is less. $3.00 $3.00 $35.00 $10.00 DFLRG3 (MXC402 CCM002)-e