fi BELCO 449 Eisenhower Blvd. Suite 200 APPLICATION AND Harrisburg, PA 17111 SOLICITATION VISA   COMMUNITY CREDIT UNION 717) 232-3526 e F. 717) 720-6437 (707) ax (717) DISCLOSURE Because life is for living. 1-800-642-4482   VISA PLATINUM PRIME   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases 2.49% to 7.49% introductory APR for a period of 12 billing cycles, based on your creditworthiness. After that, your APR will be 8.49% to 17.74%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   APR for Balance Transfers 2.49% to 7.49% Introductory APR for a period of 12 billing cycles, based on your creditworthiness. After that, your APR will be 8.49% to 17.74%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   APR for Cash Advances 2.49% to 7.49% Introductory APR for a period of 12 billing cycles, based on your creditworthiness. After that, your APR will be 8.49% to 17.74%, 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.   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   Set-up and Maintenance Fees         - Annual Fee None - Account Set-up Fee None - Program Fee None - Participation Fee None - Additional Card Fee None - Application Fee None Transaction Fees - Balance Transfer Fee None - Cash Advance Fee None - Foreign Transaction Fee 1.00% of each transaction in U.S. dollars - Transaction Fee for Purchases None Penalty Fees - Late Payment Fee Up to $25.00 - Returned Payment Fee Up to $10.00   © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved SEE NEXT PAGE for more important information about your account. 03701254-MXC10-P-1-101618 (MXC101-E)  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 the opening of your account. Any existing balances on Belco Community 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 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: January 01, 2020 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 Prime is a secured credit card. 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: $25.00 or the amount of the required minimum payment, whichever is less, if you are 30 or more days late in making a payment.   Returned Payment Fee: $10.00 or the amount of the required minimum payment, whichever is less.   Card Replacement Fee: $5.00. Pay-by-Phone Fee: $1.00.   Rush Fee: $45.00. Statement Copy Fee: $2.00 per page.   Research Fee: $20.00 per half hour. © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03701254-MXC10-P-1-101618 (MXC101-E)