Merced School Employees Federal Credit Union 1021 Olivewood Drive ° PO Box 1349 Merced, CA 95348 209-383-5550 ° 800-542-2345 Fax: 209-383-0390 MSEFCU www.mercedschoolcu.org LQONLINER. VISA VISA SHARE SECURED/VISA CLASSIC/VISA STUDENT APPLICATION AND SOLICITATION DISCLOSURE   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases Visa Share Secured 8.25% Visa Classic 10.75% Visa Student 14.50%   APR for Balance Transfers Visa Share Secured 8.25% Visa Classic 10.75% Visa Student 14.50%   APR for Cash Advances Visa Share Secured 8.25% Visa Classic 10.75% Visa Student 14.50%   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.   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 Transaction Fees - Balance Transfer Fee None - Cash Advance Fee $2.00 - Foreign Transaction Fee 1.00% of each transaction in U.S. dollars Penalty Fees - Late Payment Fee Up to $10.00 - Over-the-Credit Limit Fee Up to $10.00 - Returned Payment Fee Up to $22.00 - Returned Convenience Check Fee Up to $22.00   How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).” @CUNA Mutual Group 2009, 10, 12 All Rights Reserved DCALO2 (MXC402 CCM002)-e SEE BACK OF PAGE for more important information about your account.  Effective Date. The information about the costs of the card described in this application is accurate as of January 1, 2013. This information may have changed after that date. To find out what may have changed, contact the Credit Union. OTHER DISCLOSURES Late Payment Fee $10.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. Over-the-Credit Limit Fee $10.00 or the amount of the transaction exceeding your credit limit, whichever is less. Returned Payment Fee $22.00 or the amount of the required minimum payment, whichever is less. Returned Convenience Check Fee $22.00 or the amount of the returned convenience check, whichever is less. Statement Copy Fee $0.50 per page Document Copy Fee $5.00 Rush Fee $50.00 Card Replacement Fee $25.00 Visa Check Stop Payment Fee $15.00 DCALO2 (MXC402 CCM002)-e