LAFCU Ey YOUR CREDIT UNION FOR LIFE Ra CREDIT CARD ACCOUNT OPENING DISCLOSURE VISA REWARDS VISA     This Disclosure is incorporated into and becomes part of Your LOANLINER® Consumer Credit Card Agreement & Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases 10.65% This APR will vary with the market based on the Prime Rate.   APR for Balance Transfers 2.99% Introductory APR for a period of 12 billing cycles. After that, Your APR will be 10.65% . This APR will vary with the market based on the Prime Rate.   APR for Cash Advances 10.65% This APR will vary with the market based on the Prime Rate.   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 cash advances and balance transfers on the transaction date.   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   Annual Fee - Annual Fee None   Transaction Fees - Foreign Transaction Fee 1.00% of each 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 (including new purchases)." See Your Account Agreement for more details. Balance Transfer Introductory APR: Any existing balances on LAFCU loan or credit card accounts are not eligible for the Introductory APR for balance transfers. Billing Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved SEE NEXT PAGE for more important information about Your Account. 02100212-MXC20-C-2-090718 (MXC201-E)  Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). Other Fees & Disclosures: Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if You are 10 or more days late in making a payment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this Disclosure.   Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason.   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 10.65% which is a monthly periodic rate of 0.8875% . The Introductory Balance Transfer APR is 2.99% which is a monthly periodic rate of 0.2492%. The Balance Transfer APR is 10.65% which is a monthly periodic rate of 0.8875% . The Cash Advance APR is 10.65% which is a monthly periodic rate of 0.8875% . Variable Rate: The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on the third Tuesday of February, May, August and November, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater than 24.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information. Margin: Purchases will be charged at 5.65% above the Index. Balance Transfers will be charged at 5.65% above the Index. Cash Advances will be charged at 5.65% above the Index. © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 02100212-MXC20-C-2-090718 (MXC201-E)