Oregon Community Credit Union and OCCU Card Services, LLC 
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                                      Platinum Visa  Credit Card Solicitation Disclosures 
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      INTEREST RATES      NICE  Platinum Visa         NICE PERKS  Platinum Visa     Duck Card  or OSU Beaver Card 
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       AND CHARGES                                                                      Platinum Visa    
     Annual Percentage 
     Rate (APR) for 
                 9.24% to 19.24%, based on your  10.24% to 20.24%, based on your  10.24% to 20.24%, based on your 
     Purchases  
                 creditworthiness when you open your account.  creditworthiness when you open your account.  creditworthiness when you open your account. 
                 This APR will vary with the market based on the Prime Rate.*  This APR will vary with the market based on the Prime Rate.*  This APR will vary with the market based on the Prime Rate.* 
     APR for Balance 
     Transfers 
                 0.00% introductory APR for 12 billing cycles from the  0.00% introductory APR for 12 billing cycles from the  0.00% introductory APR for 7 billing cycles from the 
                 account opening date, for balance transfers completed within 60  account opening date, for balance transfers completed within 60  account opening date, for balance transfers completed within 60 
                 days of the account opening date.  days of the account opening date.  days of the account opening date. 
                 After that your APR will be, 9.24% to 19.24%,  After that your APR will be, 10.24% to 20.24%,  After that your APR will be, 10.24% to 20.24%, 
                 based on your creditworthiness when you open your account.  based on your creditworthiness when you open your account.  based on your creditworthiness when you open your account. 
                 This APR will vary with the market based on the Prime Rate.*  This APR will vary with the market based on the Prime Rate.*  This APR will vary with the market based on the Prime Rate.* 
     APR for Cash                                                                     
                 14.24% to 24.24%, based on your creditworthiness when you  15.24% to 25.24%, based on your creditworthiness when you open  15.24% to 25.24%, based on your creditworthiness when you open 
     Advances 
                 open your account.           your account.                  your account. 
                 This APR will vary with the market based on the Prime Rate.*  This APR will vary with the market based on the Prime Rate.*  This APR will vary with the market based on the Prime Rate.* 
     Paying Interest  
                 Your due date is at least 25 days after the close of each billing  Your due date is at least 25 days after the close of each billing  Your due date is at least 25 days after the close of each billing 
                 cycle. We will not charge any interest on the portion of the  cycle. We will not charge any interest on the portion of the  cycle. We will not charge any interest on the portion of the 
                 purchases balance that you pay by the due date each month.  purchases balance that you pay by the due date each month. We  purchases balance that you pay by the due date each month. We 
                 We will begin charging interest on cash advances and balance  will begin charging interest on cash advances and balance  will begin charging interest on cash advances and balance 
                 transfers on the transaction date.  transfers on the transaction date.  transfers on the transaction date. 
     For Credit Card Tips 
                 To learn more about factors to consider when applying for or  To learn more about factors to consider when applying for or using  To learn more about factors to consider when applying for or using 
     from the Consumer 
                 using a credit card, visit the website of the Consumer Financial  a credit card, visit the website of the Consumer Financial  a credit card, visit the website of the Consumer Financial 
     Financial Protection 
                 Protection Bureau at:        Protection Bureau at:          Protection Bureau at: 
     Bureau 
                 http://www.consumerfinance.gov/learnmore.   http://www.consumerfinance.gov/learnmore.   http://www.consumerfinance.gov/learnmore. 
         FEES                     
     Annual Fee  None                         None                           None 
     Transaction Fees:                                                        
     Cash Advance Fee  $10 or 3% of the amount of each cash advance, whichever is  $10 or 3% of the amount of each cash advance, whichever is  $10 or 3% of the amount of each cash advance, whichever is 
                 greater.                     greater.                       greater. 
     Balance Transfer Fee  $10 or 3% of the amount of each balance transfer, whichever is  $10 or 3% of the amount of each balance transfer, whichever is  $10 or 3% of the amount of each balance transfer, whichever is 
                 greater.                     greater.                       greater. 
     Foreign Transaction  None.               None.                          None. 
     Fee 
     Penalty Fees:                                                            
     Late Payment Fee  Up to $25.             Up to $25.                     Up to $25. 
     Returned Payment  Up to $25.             Up to $25.                     Up to $25. 
     Fee 
     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 and apply the Non-Introductory APR if you do not pay the full amount of any minimum payment due within 60 days of its payment due date. 
     Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Account Agreement. 
     Program Terms: Introductory terms and bonus reward offers are for new cardholders only. If you have received the benefit of a card promotion on an OCCU or OCCU Card Services, LLC credit card product in the past 24 months 
     you are not eligible for this promotion.  We will not process any balance transfer request to pay off or pay down any account or loan issued by Oregon Community Credit Union, OCCU Card Services, LLC or our affiliates. 
                             *The APR is based on the Prime Rate of 3.50% as of July 1, 2016. The above rates and fees are effective as of July 1, 2016.