Oregon Community Credit Union  
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                                      Platinum Visa  Credit Card Solicitation Disclosures 
      INTEREST RATES      NICE �  Platinum Visa �     NICE PERKS �  Platinum Visa �    Duck Card �  or OSU Beaver Card 
       AND CHARGES                                                                      Platinum Visa �  
      Annual 
      percentage rate  0.00% introductory APR for 12 billing  0.00% introductory APR for 12 billing  0.00% introductory APR for 12 billing 
      (APR) for 
      purchases   cycles.                     cycles.                        cycles.  
                After that your APR will be, 8.99% to 18.99%,  After that your APR will be, 9.99% to 19.99%,  After that your APR will be, 9.99% to 19.99%, 
                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 balance 
      transfers (up to 
                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 12 billing cycles from the 
      80% of credit 
      limit)    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, 8.99% to 18.99%,  After that your APR will be, 9.99% to 19.99%,  After that your APR will be, 9.99% to 19.99%, 
                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 
                13.99% to 23.99%,   based on your creditworthiness when you  14.99% to 24.99%,   based on your creditworthiness when you open  14.99% to 24.99%,   based on your creditworthiness when you 
      advances 
                open your account.            your account.                  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.* 
      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. We  purchases balance that you pay by the due date each month. We  purchases balance that you pay by the due date each month. 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 
                To learn more about factors to consider when applying for or using  To learn more about factors to consider when applying for or using  To learn more about factors to consider when applying for or 
      tips from the 
                a credit card, visit the website of the Consumer Financial  a credit card, visit the website of the Consumer Financial  using a credit card, visit the website of the Consumer Financial 
      Consumer 
                Protection Bureau at:         Protection Bureau at:          Protection Bureau at: 
      Financial 
      Protection 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 
      Balance transfer  greater.              greater.                       greater. 
      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 
      Foreign 
                greater.                      greater.                       greater. 
      transaction fee 
                None.                         None.                          None. 
      Penalty fees:                                                           
      Late payment fee  Up to $25.            Up to $25.                     Up to $25. 
      Returned  Up to $25.                    Up to $25.                     Up to $25. 
      payment 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 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, or our affiliates. 
                            *The APR is based on the prime rate of 3.25% as of April 1, 2020. The above rates and fees are effective as of February 1, 2022.