_~ : 830 Greenbrier Circle Chesapeake, VA 23320 APPLICATION AND SOLICITATION Vi S A (800) 443-1141 © (757) 523-5300 Federal Credit Union www.abnbfcu.org DISCLOSURE   VISA PLATINUM PREFERRED/ABNB BLACK   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases Visa Platinum Preferred 6.99% to 16.50%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. ABNB Black 9.50% to 12.49%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   APR for Balance Transfers Visa Platinum Preferred 0% Introductory APR until December 31, 2021. After that, your APR will be 6.99% to 16.50%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. ABNB Black 0% Introductory APR until December 31, 2021. After that, your APR will be 9.50% to 12.49%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   APR for Cash Advances Visa Platinum Preferred 6.99% to 16.50%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. ABNB Black 9.50% to 12.49%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   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     Annual Fee - Annual Fee   None   LQANLINER. © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved SEE NEXT PAGE for more important information about your account. ABNB Federal Credit Union 04502957-MXC10-C-2-111820 (MXC101-E)    Transaction Fees - Balance Transfer Fee 3.00% of the amount of each balance transfer - Cash Advance Fee None - Foreign Transaction Fee - Visa Platinum | 1.00% of each multiple currency transaction in U.S. dollars Preferred 0.80% of each single currency transaction in U.S. dollars - Foreign Transaction Fee - ABNB Black None     Penalty Fees - Late Payment Fee Up to $29.00 - Returned Payment Fee Up to $29.00     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 balance transfers will apply to transactions posted to your account from January ‘1st, 2021 until June 30th, 2021 . Any existing balances on ABNB Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers. Loss of Introductory APR: We may end your Introductory APR for balance transfers 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: January 1st, 2021 This information may have changed after that date. To find out what may have changed, contact the Credit Union. For California Borrowers, the Visa Platinum Preferred and ABNB Black are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i} you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower. Other Fees & Disclosures: Late Payment Fee: $29.00 or the amount of the required minimum payment, whichever is less, if you are three or more days late in making a payment.   Balance Transfer Fee (Finance Charge): 3.00% of each balance transfer. However, this fee is waived on any balance transfer transactions posted after the Promotional Period stated above.   Returned Payment Fee: $29.00 or the amount of the required minimum payment, whichever is less.   Card Replacement Fee: $10.00.   Rush Fee: $25.00. Statement Copy Fee: $5.00.   IQANUNER, © CUA Mulual Group 2009, 10, 12, 16 All Righis Reserved ABNB Federal Credit Union 04502957 -MXC10-0-2-111820 (MKCIO1-E)