2201 South First Street = P.O. Box 500 Champaign, IL 61824-0500 COMMUNITY phone: (217) 278-7700 » (877) 678-4328 O CREDIT UNION Fax: (217) 244-5789 www.uoficreditunion.org VISA UNIVERSITY OF ILLINOIS ALUMNI ASSOCIATION APPLICATION AND SOLICITATION DISCLOSURE   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases 3.90 % to 1 2.90% Introductory APR for 12 months from the issuance of the card, based on your creditworthiness. After that your APR will be 10.90% to 16.90% , based on your creditworthiness.   APR for Balance Transfers 3.90% to 12.90%Introductory APR for 12 months from the issuance of the card, based on your creditworthiness. After that your APR will be 10.90% to 16.90%, based on your creditworthiness.   APR for Cash Advances 3.90% to12.90%Introductory APR for a period of 12 months from , the issuance of the card, based on your creditworthiness. After that your APR will be 10.90%to 16.90%, based on your creditworthiness.   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 None   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 - Balance Transfer Fee None - Cash Advance Fee None Penalty Fees - Late Payment Fee Up to $25.00 - Returned Payment Fee Up to $25.00     How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” Promotional Period for Introductory APR: The Introductory APR for purchases, balance transfers, and cash advances will apply to transactions posted to your account during the first 12 months following issuance of your card. Loss of Introductory APR: We may end your Introductory APR for purchases, balance transfers, and cash advances and apply the prevailing non-introductory 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 November 1, 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 Emergency Card Replacement Fee Card Replacement Fee @CUNA Mutual Group 2009, 10, 12 All Rights Reserved $25.00 orthe amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment. $25.00 or the amount of the required minimum payment, whichever is less. $2.00 $25.00 $10.00 DILFY4 (MXC403 CCMO003)-e