~SAN MATEO~ CREDIT UNION LQOANLINER. at A P.G. Box 910 ota Rat VISA wn smevarg VISA PLATINUM/VISA PLATINUM WITH Bi VISA STUDENTIVISA STUDENT WITH REWARDS/ VISA SECURED APPLICATION AND SOLICITATION DISCLOSURE     Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Visa Platinum/Visa Student Purchases 0 6.99% to 10.99% _ Introductory APR for a period of six (6) billing cycles, based on your creditworthiness. When the discounted period expires, the APR on existing balances will increase fo the new non-discount rate on the first day of the billing cycle. After that your APR will be 8.99% to 16.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Rewards/Visa Student Rewards 6.99% to 1 0.99% Introductory APR for a period of six (6) billing cycles, based on your creditworthiness. When the discounted period expires, the APR on existing balances will increase to the new non-discount rate on the first day of the billing cycle. After that your APR will be 9.99% to 17.99% — when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum/Visa Platinum with Rewards/Visa Secured 9.99% to 1 7.99% 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 Visa Platinum/Visa Student 6.99% to 10.99%  [ntroductory APR for a period of six (6) billing cycles, based on your creditworthiness. When the discounted period expires, the APR on existing balances will increase to the new non- discount rate on the first day of the billing cycle. After that your APR will be 8.99% to 16.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Rewards/Visa Student Rewards 6.99% to 10.99%  intreductory APR for a period of six (6) billing cycles, based on your creditworthiness. When the discounted period expires, the APR on existing balances will increase to the new non- discount rate on the first day of the billing cycle. After that your APR will be 9.99% to 17.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum/Visa Platinum with Rewards/Visa Secured   9.99% to17.99% when you open your account, based on your       ©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED DCAOCO (MXC400 CCMO01)}-¢ SEE BACK OF PAGE for more important information about your account.    creditworthiness. This APR will vary with the market based on the Prime Rate.   APR for Balance Transfers Visa Platinum/Visa Student 6.99%  to10.99% Introductory APR for a period of six (6) billing cycles, based on your creditworthiness. When the discounted period expires, the APR on existing balances will increase to the new non- discount rate on the first day of the billing cycle. After that your APR willbe 8.99% to 16.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Rewards/Visa Student Rewards 6.99% to 10.99% [Introductory APR for a period of six (6) billing cycles, based on your creditworthiness. When the discounted period expires, the APR on existing balances will increase to the new non- discount rate on the first day of the billing cycle. After that your APR will be 9.99% to 17.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum/Visa Platinum with Rewards/Visa Secured 9.99% to 17.99% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   Penalty APR and When it Applies 17.99% This APR may be applied to the entire balance on your account if you: - Make a late payment How Long Will the Penalty APR Apply? if your APRs are increased for any of these reasons, the Penalty APR will apply until you make at least six (6) consecutive minimum payments by the payment due date as shown in your monthly statement.   How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.   For Credit Card Tips from the Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at hitp:/iwww.federatreserve.gov/creditcard.       Fees Annual Fee - Annual Fee None Transaction Fees ~ Cash Advance Fee $4.00 or 2.50% of the amount of each cash advance, - Foreign Transaction Fee whichever is greater (Maximum Fee: $300.00 ) 1.00% of each transaction in U.S. dollars     Penalty Fees - Late Payment Fee - Returned Payment Fee   Up to $10.00 Up to $25.00   How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” Loss of Introductory APR. We may end your Introductory APR if you make a late payment. With the loss of your Introductory APR, your APR for Visa Platinum/Visa Student will be a rate of 14.99%. Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. Effective Date. The information about the costs of the card described in this application is accurate as of August 1, 2011. This information may have changed after that date. To find out what may have changed, contact the Credit Union. DCAOQCO (MXC400 CCMOO1}-2    OTHER DISCLOSURES Late Payment Fee $10.00 or the amount cf the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. Returned Payment Fee $25.00 or the amount of the required minimum payment, whichever is less. DCAGCO (MXC400 CCMC01)-¢