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Showing general ratesAll Credit CardsAccountAnnual Percentage RateLoan Amount(min/max)Loan TermOdyssey Rewards World EliteMasterCardas low as 12.99%$25,000/$100,000revolvingChoice Rewards WorldMasterCardas low as 11.99%$10,000/$35,000revolvingPlatinum Rewards MasterCardas low as 11.99%$500/$25,000revolvingPlatinum MasterCardas low as 10.99%$500/$25,000revolvingPlatinum Secured MasterCard18.00%$500/$25,000revolvingPlatinum MasterCard®, Platinum Rewards MasterCard, Platinum Secured MasterCard, Choice Rewards World MasterCard, andOdyssey Rewards® World Elite MasterCard Card Application DisclosureThis information is accurate as of 11.18.18 and is subject to change after this date. For current information, please contact First Tech Federal Credit Union at PO Box2100, Beaverton, OR 97075-2100, call us at 855.855.8805 or visit firsttechfed.comInterest Rates and ChargesAnnual Percentage Rate(APR) for PurchasesOdyssey Rewards World EliteMasterCard:12.99% to 18.00% when you open your account, based on your creditworthinessPlatinum MasterCard:10.99% to 18.00% when you open your account, based on your creditworthinessPlatinum Rewards MasterCard:11.99% to 18.00% when you open your account, based on your creditworthinessChoice Rewards World MasterCard:11.99% to 18.00% when you open your account, based on your creditworthinessPlatinum Secured MasterCard:18.00%After that your APR will vary with the market based on the Prime Rate.APR for BalanceTransfers0.00% introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after account opening.After that:Odyssey Rewards World EliteMasterCard:12.99% to 18.00% when you open your account, based on yourcredit worthinessPlatinum MasterCard:10.99% to 18.00% when you open your account, based on yourcredit worthinessPlatinum Rewards MasterCard:11.99% to 18.00% when you open your account, based on yourcredit worthinessChoice Rewards World MasterCard:11.99% to 18.00% when you open your account, based on yourcredit worthinessYour APR will vary with the market based on the Prime Rate.Odyssey Rewards World EliteMasterCard:13.99% to 18.00% when you open your account, based on yourcredit worthinessEffective Date: November 18, 2018Page 2 of 3  

Interest Rates and ChargesAPR for Cash AdvancesPlatinum MasterCard:11.99% to 18.00% when you open your account, based on yourcredit worthinessPlatinum Rewards MasterCard:12.99% to 18.00% when you open your account, based on yourcredit worthinessChoice Rewards World MasterCard:12.99% to 18.00% when you open your account, based on yourcredit worthinessPlatinum Secured MasterCard:18.00%This APR will vary with the market based on the Prime Rate.How to Avoid PayingInterest on PurchasesYour due date is at least 21 days after the close of each billing cycle. We will not charge you interest onPurchases if you pay your entire balance by the due date each month. We will begin charging interest on cashadvances and transfers as of the transaction date.Minimum InterestNoneFor Credit Card from theConsumer FinancialProtection BureauTo learn more about factors to consider when applying for or using a credit card, visit the ConsumerFinancial Protection Bureau at: www.consumerfinance.gov/learnmoreFeesAnnual FeeOdyssey Rewards World EliteMasterCard$75.00Platinum MasterCardNonePlatinum Rewards MasterCardNoneChoice Rewards WorldMasterCardNonePlatinum Secured MasterCardNoneTransaction FeesForeign TransactionCash AdvanceBalance TransferNoneNoneNonePenalty FeesLate PaymentReturned PaymentUp to $25.00Up to $25.00How We Will Calculate Your Balance: We use a method called “average daily balance” (excluding new purchases).Loss of Introductory APR: We may end your introductory APR and apply the rate appropriate to your account, 10.99% to 18.00% for Balance Transfers APR, ifyou make a late payment during the Introductory period. This APR will vary with the market based on the Prime Rate.Variable Rate Information: Your APR may increase or decrease. Rates are determined and adjusted monthly on the day following your statement closing date byadding a Margin to the highest U.S. Prime Rate as of the 15th of the previous month. The Margin is determined based on an evaluation of each Member's credit history.The margin will range from 5.74% to 13.50% based on product type. Your maximum APR will not exceed 18%.Frequently Asked QuestionsPage 3 of 3  

When Can I request a Balance Transfer? You may request a balance transfer for up to 90 days after your account is opened. Balance transfers between FirstTechnology Federal Credit Union accounts are not permitted. That means balances cannot be transferred to this account from any other credit card issued by FirstTechnology Federal Credit Union.What Will My APR Be If I Transfer A Balance? Any balances you transfer through your introductory billing period will receive a Transfer APR and post to youraccount's Special Transfer segment. Any balances transferred after the introductory period will receive a Purchase APR and post to the Purchase segment of youraccount unless the transfer is made in connection with a future offer from us.When will interest start to accrue on the balance transferred? Interest will start to accrue on the day the balance transaction posts to your account,unless your balance transfer is subject to a promotional APR of 0%. In this case, no interest will accrue on the balance transferred until your 0% APR promotional timeperiod ends.Will I receive rewards on balances I transfer? No. Balance transfers are not eligible to earn rewards.Can You Change My Terms? We can change the terms of your account as permitted by law. When required, we will send you notice before doing so.How Do You Calculate My Minimum Payment? Your minimum payment will be 2% of your balance or $25.00 whichever is greater, if your balance is lessthan $25.00 your minimum payment will be equal to your balance.