SERVICE CREDIT UNION kk kk & P.O. Bax 1268 For People on the Move Portsinouth, NH 03802-1268   VISA CLASSIC, VISA GOLD, SHARE SECURED VISA CLASSIC AND VISA PLATINUM APPLICATION AND SOLICITATION DISCLOSURE   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases Visa Classic 10.15% to 15.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Gold 9.49% to 14.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum 8.99% to 13.74% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   APR for Cash Advances Visa Classic 10.15% to 15.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Gold 9.49% to 14.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum 8.99% to 13.74% 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 Classic 10.15% to 15.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Gold 9.49% to 14.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum 8.99% to 13.74% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   @CUNA MUTUAL GROUP, 2009, 10, 12 ALL RIGHTS RESERVED DNHAM2 (MXC4XX CCMO02)-e SEE BACK OF PAGE for more important information about your account.    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 youany 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:/jwww.consumerfinance.gov/learnmore.   Fees   Transaction Fees --Balance Transfer Fee --Cash Advance Fee --Foreign Transaction Fee 1.00% of the amount of each balance transfer 1.00% of the amount of each cash advance 1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars     Penalty Fees --Late Payment Fee --Returned Payment Fee   Up to $20.00 Up to $20.00   How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” Effective Date. The information about the costs of the card described in this application is accurate as of March 1, 2010. 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 Document Copy Fee Rush Fee Emergency Card Replacement Fee Card Replacement Fee $20.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment. $20.00 or the amount of the required minimum payment, whichever is less. $2.00 $15.00 $62.00 $62.00 $9.00 DNHAM2 (MXC400. CCM000}-e