Northeast Credit Union  
        Business Visa Disclosure - Federal Truth in Lending Act 
                   Details of Rate, Fee, and Other Cost Information
   As required by law, rates, fees and other costs of this credit card are disclosed here. All account terms are governed by the VISA Cardholder Agreement 
   sent with the card. Use of the card constitutes acceptance of the terms of the Account and Agreement. Account and Agreement terms are not guaranteed 
   for any period of time; all terms may change in accordance with the Agreement and applicable law.
     INTEREST RATES AND INTEREST CHARGES
     Annual Percentage Rate (APR) for Purchases 11.25% APR  
                                     This APR will vary based on the Prime Rate.
     APR for Balance Transfer        11.25% APR 
                                     This APR will vary based on the Prime Rate.
     APR for Cash Advance            11.25% APR 
                                     This APR will vary based on the Prime Rate.
     Other APRs                      Default APR 18% (See explanation below.)
     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 interest on purchases if you pay your entire 
                                     balance by the due date each month.
     FEES
     Annual Fee                      None
     Transaction Fees
     �  Balance Transfer             None
     �  Cash Advance                 None
     �  Foreign Transaction          1% of each transaction in U.S. dollars
     �  Transaction Fees for Purchases None
     Penalty Fees
     �  Late Payment                 $30
     �  Over the Credit Limit Fee    $25
   THE BUSINESS PLATINUM VISA DAILY PERIODIC RATE IS 0.0308219 
   Rate is in effect June 19, 2017 and is subject to change.
   HOW WE CALCULATE YOUR BALANCE 
   We use a method called �Average Daily Balance (including new purchases)�
   EXPLANATION OF DEFAULT APR 
   Default is de?ned as failure to make at least the minimum payment of 4% of account balance by 10 days after the 
   due date on the statement, or exceeding your assigned credit limit by more than 3%, or making a payment to us that 
   is returned.  The default rate may be assessed at our option. In the event your account is moved to the default rate, 
   the default rate will remain in effect until you request us to reevaluate it, but in no case will be in effect for less than 
   one year.
   VARIABLE RATE INFORMATION 
   Variable rate based on Wall Street Journal Prime + margin of 7%; rate can change at the end of the calendar 
   quarter. If the Prime Rate increases, variable APR�s will increase.  In that case, you may pay more interest and have a 
   higher Minimum Payment Due. The current Prime rate as of 6/19/17 is 4.25%.
   HOW YOUR SCORECARD REWARDS PROGRAM WORKS 
   You will receive one point for each dollar of quali?ying purchases, net of returns (net purchases) that you charge 
   to this card. Qualifying purchases do not include cash advances. 1  No points are awarded for ?nance charges, fees, 
   foreign currency conversion charges or insurance charges to your account. Unused points will expire if not used 
   within 60 months.
   EXPLANATION OF PENALTY FEES 
   Late Payment Fee: Any payment received more than 5 days after the due date shown on the most recent 
   statement will be charged a Late Payment Fee of $30.00. 
   Over the Credit Limit Fee: Any time your statement balance exceeds your assigned credit limit there will be an 
   Over the Credit Limit Fee of $25.00
   OTHER FEES (if not paid in cash, they will be charged to your share account) 
   Replacement Card Fee: $5.00 for each card 
   Credit/Debit Slip Photocopy: $12.00 for each copy 
   Statement Photocopy: $2.00 
   Overdraft Protection for Business Platinum Visa is not offered.
   NORTHEAST CREDIT UNION BUSINESS PLATINUM CARD AGREEMENT ADDENDUM 
   The Company and Co-Applicants will be liable for all charges and Account balances as follows: 
   1)   The Company is jointly and severally liable with each individual Applicant. 
   2)   Each individual Applicant (Employee or Principal Authorized Applicant) is individually liable, and jointly liable  
          with The Company, with respect to the entire balance due with respect to the Account.
   All Accounts established and cards issued here under shall be used solely for business purposes and shall be 
   governed by the terms and conditions of the Cardholder Agreement provided when the Card is issued, as it may 
   be amended from time to time. This Application and Agreement must be signed by an Authorized Of?cer, Partner 
   or Proprietor of The Company who has authority to bind The Company to the terms of this Agreement. By signing, 
   Applicant certi?es that the execution, delivery and performance of this Agreement have been duly authorized 
   by all necessary action by The Company, and will provide evidence of such action upon request. Authorized 
   Applicant is signing both individually and as The Company�s duly authorized representative. The Company agrees 
   to provide ?nancial information if requested by Northeast Credit Union, and that information from this Application 
   may be shared with Northeast Credit Union af?liates.
   PERSONAL GUARANTY 
   For value received and in consideration of the mutual undertakings contained in the Cardholder Agreement 
   between ______________________________________________ (The Company), and Northeast Credit Union (NECU), 
   the individual(s) signing below, on behalf of The Company, jointly and severally if more than one, in such persons 
   individual capacities and not on behalf of The Company unconditionally guaranty to NECU, prompt payment when 
   due all of the obligations of every kind and nature of The Company arising directly or indirectly in accordance with 
   the terms of the Cardholder Agreement, including all expenses (including attorney�s fees and court costs) paid or 
   incurred in collecting such obligations and in enforcing this Guaranty.
   1  Cash advances also include convenience checks, ATM advances for overdraft protection, advances through automated phone 
     banking, online banking or PIN-based purchase transactions. LE0840.06.17  I003254
                      Northeast Credit Union  
         Classic Visa Disclosure - Federal Truth in Lending Act 
                   Details of Rate, Fee, and Other Cost Information
   As required by law, rates, fees and other costs of this credit card are disclosed here. All account terms are governed by the VISA Cardholder Agreement 
   sent with the card. Use of the card constitutes acceptance of the terms of the Account and Agreement. Account and Agreement terms are not guaranteed 
   for any period of time; all terms may change in accordance with the Agreement and applicable law.
     INTEREST RATES AND INTEREST CHARGES
     Annual Percentage Rate (APR) for Purchases 13.99% APR  
                                     This APR will vary based on the Prime Rate.
     APR for Balance Transfer        13.99% APR 
                                     This APR will vary based on the Prime Rate.
     APR for Cash Advance            13.99% APR 
                                     This APR will vary based on the Prime Rate.
     Minimum Payment                 2% of your balance with a minimum payment of $20 or outstanding 
                                     balance, whichever is less.
     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 interest on purchases if you pay your entire 
                                     balance by the due date each month.
     For Credit Card Tips From the Consumer Financial  To learn more about factors to consider when 
     Protection Bureau               applying for or using a credit card, visit the website 
                                     at http://www.consumer?nance.gov/learnmore.
     How We Calculate Your Balance   Purchases: We use a method called �Average Daily Balance� 
                                     (including new purchases). 
                                     Cash Advances: We use the �Average Daily Balance� with interest 
                                     charged from the day of the cash advance.
     FEES
     Annual Fee                      None
     Transaction Fees
     �  Balance Transfer             None
     �  Cash Advance                 None
     �  Foreign Transaction          1% of each transaction in U.S. dollars
     �  Transaction Fees for Purchases None
     Penalty Fees
     �  Late Payment (For all states except Maine) Less than $10 = $0
       (Late fee is based on balance owed, but will not exceed the    $10.00 - $5,000 = $10
       amount of payment past due)   $5,000.01 - $10,000.01 = $20
                                     $10,000.01+ = $25
     �  Late Payment (Maine Residents * ) Balance less than $10 = $0
       (Late fee is based on balance owed, but will not exceed the    Balance $10 or more = $10 or 5% of the past due amount, 
       amount of payment past due)   whichever is greater, not to exceed $25 and not to exceed the 
                                     amount of the payment past due.
   BILLING RIGHTS 
   Information on your rights to dispute transactions and how to exercise those rights is provided in your Account 
   Agreement. 
   THE CLASSIC VISA STANDARD DAILY PERIODIC RATE IS 0.0383287 
   Rate is in effect June 19, 2017 and is subject to change.
   VARIABLE RATE INFORMATION 
   Variable rate based on Wall Street Journal Prime Rate + margin of 9.74%; rate can change at the end of the 
   calendar quarter. If the Prime Rate increases, variable APR�s will increase. In that case, you may pay more interest 
   and have a higher Minimum Payment Due. The current Prime Rate as of 6/19/17 is 4.25%.
   DEFAULT STATUS AND REWARDS 
   If your credit card account is cancelled or closed for any reason, the related ScoreCard Reward Points will be 
   forfeited on the date of cancellation or closure. If your credit card account is closed, becomes delinquent or 
   in default, you will not continue to earn Reward Points and the Reward Points associated with your credit card 
   account will not be available for redemption. Both posted and pending Reward Points may also be forfeited 
   depending upon your credit card account status.  
   HOW YOUR SCORECARD REWARDS PROGRAM WORKS 
   You will receive one point for every two dollars of qualifying purchases, net of returns (net purchases) that you 
   charge to this card. Qualifying purchases do not include cash advances. 1  No points are awarded for ?nance 
   charges, fees, foreign currency conversion charges or insurance charges to your account. Unused points will expire 
   if not used within 36 months.
   HOW YOUR PAYMENTS ARE APPLIED 
   Payments will be applied in the following order, ?rst to any LATE CHARGES owing, then to the FINANCE CHARGE 
   due, then to the outstanding principal balance (highest interest rate to the lowest interest rate). 
   EXPLANATION OF PENALTY FEES  
   Late Payment Fee: (All states except Maine) Any payment received more than 5 days after the due date shown on 
   the most recent statement will be charged a Late Payment Fee. 
   State of Maine * : Payment received more than 15 days after the due date shown on the most recent statement will 
   be charged a late payment fee.
   OTHER FEES (if not paid in cash, they will be charged to your savings account) 
   Refer to Schedule of Fees.
   1  Cash advances also include convenience checks, ATM advances for overdraft protection, advances through automated phone 
     banking, online banking or PIN-based purchase transactions.
   *  In accordance with Maine state law. LE0840.06.17          I001827
                      Northeast Credit Union  
        Platinum Visa Disclosure - Federal Truth in Lending Act 
                   Details of Rate, Fee, and Other Cost Information
   As required by law, rates, fees and other costs of this credit card are disclosed here. All account terms are governed by the VISA Cardholder Agreement 
   sent with the card. Use of the card constitutes acceptance of the terms of the Account and Agreement. Account and Agreement terms are not guaranteed 
   for any period of time; all terms may change in accordance with the Agreement and applicable law.
     INTEREST RATES AND INTEREST CHARGES
     Annual Percentage Rate (APR) for Purchases 11.99% APR  
                                     This APR will vary based on the Prime Rate.
     APR for Balance Transfer        11.99% APR 
                                     This APR will vary based on the Prime Rate.
     APR for Cash Advance            11.99% APR 
                                     This APR will vary based on the Prime Rate.
     Minimum Payment                 2% of your balance with a minimum payment of $20 or outstanding 
                                     balance, whichever is less.
     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 interest on purchases if you pay your entire 
                                     balance by the due date each month.
     For Credit Card Tips From the Consumer Financial  To learn more about factors to consider when 
     Protection Bureau               applying for or using a credit card, visit the website 
                                     at http://www.consumer?nance.gov/learnmore.
     How We Calculate Your Balance   Purchases: We use a method called �Average Daily Balance� 
                                     (including new purchases). 
                                     Cash Advances: We use the �Average Daily Balance� with interest 
                                     charged from the day of the cash advance.
     FEES
     Annual Fee                      None
     Transaction Fees
     �  Balance Transfer             None
     �  Cash Advance                 None
     �  Foreign Transaction          1% of each transaction in U.S. dollars
     �  Transaction Fees for Purchases None
     Penalty Fees
     �  Late Payment (For all states except Maine) Less than $10 = $0
       (Late fee is based on balance owed, but will not exceed the    $10.00 - $5,000 = $10
       amount of payment past due)   $5,000.01 - $10,000.01 = $20
                                     $10,000.01+ = $25
     �  Late Payment (Maine Residents * ) Balance less than $10 = $0
       (Late fee is based on balance owed, but will not exceed the    Balance $10 or more = $10 or 5% of the past due amount, 
       amount of payment past due)   whichever is greater, not to exceed $25 and not to exceed the 
                                     amount of the payment past due.
   BILLING RIGHTS 
   Information on your rights to dispute transactions and how to exercise those rights is provided in your Account 
   Agreement. 
   THE PLATINUM VISA STANDARD DAILY PERIODIC RATE IS 0.0328493 
   Rate is in effect June 19, 2017 and is subject to change.
   VARIABLE RATE INFORMATION 
   Variable rate based on Wall Street Journal Prime Rate + margin of 7.74%; rate can change at the end of the 
   calendar quarter. If the Prime Rate increases, variable APR�s will increase. In that case, you may pay more interest 
   and have a higher Minimum Payment Due. The current Prime Rate as of 6/19/17 is 4.25%.
   DEFAULT STATUS AND REWARDS 
   If your credit card account is cancelled or closed for any reason, the related ScoreCard Reward Points will be 
   forfeited on the date of cancellation or closure. If your credit card account is closed, becomes delinquent or 
   in default, you will not continue to earn Reward Points and the Reward Points associated with your credit card 
   account will not be available for redemption. Both posted and pending Reward Points may also be forfeited 
   depending upon your credit card account status.   
   HOW YOUR SCORECARD REWARDS PROGRAM WORKS 
   You will receive one point for each dollar of qualifying purchases, net of returns (net purchases) that you charge to 
   this card. Qualifying purchases do not include cash advances. 1  No points are awarded for ?nance charges, fees, 
   foreign currency conversion charges or insurance charges to your account. Unused points will expire if not used 
   within 60 months.
   HOW YOUR PAYMENTS ARE APPLIED 
   Payments will be applied in the following order, ?rst to any LATE CHARGES owing, then to the FINANCE CHARGE 
   due, then to the outstanding principal balance (highest interest rate to the lowest interest rate). 
   EXPLANATION OF PENALTY FEES  
   Late Payment Fee: (All states except Maine) Any payment received more than 5 days after the due date shown on 
   the most recent statement will be charged a Late Payment Fee. 
   State of Maine * : Payment received more than 15 days after the due date shown on the most recent statement will 
   be charged a late payment fee.
   OTHER FEES (if not paid in cash, they will be charged to your savings account) 
   Refer to Schedule of Fees.
   1  Cash advances also include convenience checks, ATM advances for overdraft protection, advances through automated phone 
     banking, online banking or PIN-based purchase transactions.
   *  In accordance with Maine state law. LE0840.06.17          I001828
                      Northeast Credit Union  
        Preferred Visa Disclosure - Federal Truth in Lending Act 
                   Details of Rate, Fee, and Other Cost Information
   As required by law, rates, fees and other costs of this credit card are disclosed here. All account terms are governed by the VISA Cardholder Agreement 
   sent with the card. Use of the card constitutes acceptance of the terms of the Account and Agreement. Account and Agreement terms are not guaranteed 
   for any period of time; all terms may change in accordance with the Agreement and applicable law.
     INTEREST RATES AND INTEREST CHARGES
     Annual Percentage Rate (APR) for Purchases 9.99% APR  
                                     This APR will vary based on the Prime Rate.
     APR for Balance Transfer        9.99% APR 
                                     This APR will vary based on the Prime Rate.
     APR for Cash Advance            9.99% APR 
                                     This APR will vary based on the Prime Rate.
     Minimum Payment                 2% of your balance with a minimum payment of $20 or outstanding 
                                     balance, whichever is less.
     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 interest on purchases if you pay your entire 
                                     balance by the due date each month.
     For Credit Card Tips From the Consumer Financial  To learn more about factors to consider when 
     Protection Bureau               applying for or using a credit card, visit the website 
                                     at http://www.consumer?nance.gov/learnmore.
     How We Calculate Your Balance   Purchases: We use a method called �Average Daily Balance� 
                                     (including new purchases). 
                                     Cash Advances: We use the �Average Daily Balance� with interest 
                                     charged from the day of the cash advance.
     FEES
     Annual Fee                      None
     Transaction Fees
     �  Balance Transfer             None
     �  Cash Advance                 None
     �  Foreign Transaction          1% of each transaction in U.S. dollars
     �  Transaction Fees for Purchases None
     Penalty Fees
     �  Late Payment (For all states except Maine) Less than $10 = $0
       (Late fee is based on balance owed, but will not exceed the    $10.00 - $5,000 = $10
       amount of payment past due)   $5,000.01 - $10,000.01 = $20
                                     $10,000.01+ = $25
     �  Late Payment (Maine Residents * ) Balance less than $10 = $0
       (Late fee is based on balance owed, but will not exceed the    Balance $10 or more = $10 or 5% of the past due amount, 
       amount of payment past due)   whichever is greater, not to exceed $25 and not to exceed the 
                                     amount of the payment past due.
   BILLING RIGHTS 
   Information on your rights to dispute transactions and how to exercise those rights is provided in your Account 
   Agreement. 
   PREFERRED VISA STANDARD DAILY PERIODIC RATE IS 0.0273698 
   Rate is in effect June 19, 2017 and is subject to change.
   VARIABLE RATE INFORMATION 
   Variable rate based on Wall Street Journal Prime Rate + margin of 5.74%; rate can change at the end of the 
   calendar quarter. If the Prime Rate increases, variable APR�s will increase. In that case, you may pay more interest 
   and have a higher Minimum Payment Due. The current Prime Rate as of 6/19/17 is 4.25%.
   HOW YOUR PAYMENTS ARE APPLIED 
   Payments will be applied in the following order, ?rst to any LATE CHARGES owing, then to the FINANCE CHARGE 
   due, then to the outstanding principal balance (highest interest rate to the lowest interest rate). 
   EXPLANATION OF PENALTY FEES  
   Late Payment Fee: (All states except Maine) Any payment received more than 5 days after the due date shown on 
   the most recent statement will be charged a Late Payment Fee. 
   State of Maine * : Payment received more than 15 days after the due date shown on the most recent statement will 
   be charged a late payment fee.
   OTHER FEES (if not paid in cash, they will be charged to your savings account) 
   Refer to Schedule of Fees.
   *  In accordance with Maine state law. LE0840.06.17          I002382
                      Northeast Credit Union  
        Rewards Visa Disclosure - Federal Truth in Lending Act 
                   Details of Rate, Fee, and Other Cost Information
   As required by law, rates, fees and other costs of this credit card are disclosed here. All account terms are governed by the VISA Cardholder Agreement 
   sent with the card. Use of the card constitutes acceptance of the terms of the Account and Agreement. Account and Agreement terms are not guaranteed 
   for any period of time; all terms may change in accordance with the Agreement and applicable law.
     INTEREST RATES AND INTEREST CHARGES
     Annual Percentage Rate (APR) for Purchases 12.99% APR  
                                     This APR will vary based on the Prime Rate.
     APR for Balance Transfer        12.99% APR 
                                     This APR will vary based on the Prime Rate.
     APR for Cash Advance            12.99% APR 
                                     This APR will vary based on the Prime Rate.
     Minimum Payment                 2% of your balance with a minimum payment of $20 or outstanding 
                                     balance, whichever is less.
     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 interest on purchases if you pay your entire 
                                     balance by the due date each month.
     For Credit Card Tips From the Consumer Financial  To learn more about factors to consider when 
     Protection Bureau               applying for or using a credit card, visit the website 
                                     at http://www.consumer?nance.gov/learnmore.
     How We Calculate Your Balance   Purchases: We use a method called �Average Daily Balance� 
                                     (including new purchases). 
                                     Cash Advances: We use the �Average Daily Balance� with interest 
                                     charged from the day of the cash advance.
     FEES
     Annual Fee                      None
     Transaction Fees
     �  Balance Transfer             None
     �  Cash Advance                 None
     �  Foreign Transaction          1% of each transaction in U.S. dollars
     �  Transaction Fees for Purchases None
     Penalty Fees
     �  Late Payment (For all states except Maine) Less than $10 = $0
       (Late fee is based on balance owed, but will not exceed the    $10.00 - $5,000 = $10
       amount of payment past due)   $5,000.01 - $10,000.01 = $20
                                     $10,000.01+ = $25
     �  Late Payment (Maine Residents * ) Balance less than $10 = $0
       (Late fee is based on balance owed, but will not exceed the    Balance $10 or more = $10 or 5% of the past due amount, 
       amount of payment past due)   whichever is greater, not to exceed $25 and not to exceed the 
                                     amount of the payment past due.
   BILLING RIGHTS 
   Information on your rights to dispute transactions and how to exercise those rights is provided in your Account 
   Agreement. 
   REWARDS VISA STANDARD DAILY PERIODIC RATE IS 0.035589 
   Rate is in effect June 19, 2017 and is subject to change.
   VARIABLE RATE INFORMATION 
   Variable rate based on Wall Street Journal Prime Rate + margin of 8.74%; rate can change at the end of the 
   calendar quarter. If the Prime Rate increases, variable APR�s will increase. In that case, you may pay more interest 
   and have a higher Minimum Payment Due. The current Prime Rate as of 6/19/17 is 4.25%.
   DEFAULT STATUS AND REWARDS 
   If your credit card account is cancelled or closed for any reason, the related ScoreCard Reward Points will be 
   forfeited on the date of cancellation or closure. If your credit card account is closed, becomes delinquent or 
   in default, you will not continue to earn Reward Points and the Reward Points associated with your credit card 
   account will not be available for redemption. Both posted and pending Reward Points may also be forfeited 
   depending upon your credit card account status. 
   HOW YOUR SCORECARD REWARDS PROGRAM WORKS 
   You will receive one point for each dollar of qualifying purchases, net of returns (net purchases) that you charge to 
   this card. Qualifying purchases do not include cash advances. 1  No points are awarded for ?nance charges, fees, 
   foreign currency conversion charges or insurance charges to your account. Unused points will expire if not used 
   within 60 months.
   HOW YOUR PAYMENTS ARE APPLIED 
   Payments will be applied in the following order, ?rst to any LATE CHARGES owing, then to the FINANCE CHARGE 
   due, then to the outstanding principal balance (highest interest rate to the lowest interest rate). 
   EXPLANATION OF PENALTY FEES  
   Late Payment Fee: (All states except Maine) Any payment received more than 5 days after the due date shown on 
   the most recent statement will be charged a Late Payment Fee. 
   State of Maine * : Payment received more than 15 days after the due date shown on the most recent statement will 
   be charged a late payment fee.
   OTHER FEES (if not paid in cash, they will be charged to your savings account) 
   Refer to Schedule of Fees.
   1  Cash advances also include convenience checks, ATM advances for overdraft protection, advances through automated phone 
     banking, online banking or PIN-based purchase transactions.
   *  In accordance with Maine state law. LE0840.06.17          I002384
                      Northeast Credit Union  
        Signature Visa Disclosure - Federal Truth in Lending Act 
                   Details of Rate, Fee, and Other Cost Information
   As required by law, rates, fees and other costs of this credit card are disclosed here. All account terms are governed by the VISA Cardholder Agreement 
   sent with the card. Use of the card constitutes acceptance of the terms of the Account and Agreement. Account and Agreement terms are not guaranteed 
   for any period of time; all terms may change in accordance with the Agreement and applicable law.
     INTEREST RATES AND INTEREST CHARGES
     Annual Percentage Rate (APR) for Purchases 15.99% APR  
                                     This APR will vary based on the Prime Rate.
     APR for Balance Transfer        15.99% APR 
                                     This APR will vary based on the Prime Rate.
     APR for Cash Advance            15.99% APR 
                                     This APR will vary based on the Prime Rate.
     Minimum Payment                 2% of your balance with a minimum payment of $20 or outstanding 
                                     balance, whichever is less.
     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 interest on purchases if you pay your entire 
                                     balance by the due date each month.
     For Credit Card Tips From the Consumer Financial  To learn more about factors to consider when 
     Protection Bureau               applying for or using a credit card, visit the website 
                                     at http://www.consumer?nance.gov/learnmore.
     How We Calculate Your Balance   Purchases: We use a method called �Average Daily Balance� 
                                     (including new purchases). 
                                     Cash Advances: We use the �Average Daily Balance� with interest 
                                     charged from the day of the cash advance.
     FEES
     Annual Fee                      $60 (Fee waived for the ?rst year)
     Transaction Fees
     �  Balance Transfer             None
     �  Cash Advance                 None
     �  Foreign Transaction          None
     �  Transaction Fees for Purchases None
     Penalty Fees
     �  Late Payment (For all states except Maine) Less than $10 = $0
       (Late fee is based on balance owed, but will not exceed the    $10.00 - $5,000 = $10
       amount of payment past due)   $5,000.01 - $10,000.01 = $20
                                     $10,000.01+ = $25
     �  Late Payment (Maine Residents * ) Balance less than $10 = $0
       (Late fee is based on balance owed, but will not exceed the    Balance $10 or more = $10 or 5% of the past due amount, 
       amount of payment past due)   whichever is greater, not to exceed $25 and not to exceed the 
                                     amount of the payment past due.
   BILLING RIGHTS 
   Information on your rights to dispute transactions and how to exercise those rights is provided in your Account 
   Agreement. 
   SIGNATURE VISA STANDARD DAILY PERIODIC RATE IS 0.0438082 
   Rate is in effect June 19, 2017 and is subject to change.
   VARIABLE RATE INFORMATION 
   Variable rate based on Wall Street Journal Prime Rate + margin of 11.74%; rate can change at the end of the 
   calendar quarter. If the Prime Rate increases, variable APR�s will increase. In that case, you may pay more interest 
   and have a higher Minimum Payment Due. The current Prime Rate as of 6/19/17 is 4.25%.
   DEFAULT STATUS AND REWARDS 
   If in default status (de?ned as having not made a minimum payment by 28-30 days after due date), any ScoreCard 
   Rewards will be forfeited and no additional ScoreCard Rewards will be earned. Existing ScoreCard Reward Points 
   will be available for redemption.
   HOW YOUR SCORECARD REWARDS PROGRAM WORKS 
   You will receive one point for each dollar of qualifying purchases, net of returns (net purchases) that you charge to 
   this card. Qualifying purchases do not include cash advances. 1  No points are awarded for ?nance charges, fees, 
   foreign currency conversion charges or insurance charges to your account. Unused points will expire if not used 
   within 60 months.
   HOW YOUR PAYMENTS ARE APPLIED 
   Payments will be applied in the following order, ?rst to any LATE CHARGES owing, then to the FINANCE CHARGE 
   due, then to the outstanding principal balance (highest interest rate to the lowest interest rate). 
   EXPLANATION OF PENALTY FEES  
   Late Payment Fee: (All states except Maine) Any payment received more than 5 days after the due date shown on 
   the most recent statement will be charged a Late Payment Fee. 
   State of Maine * : Payment received more than 15 days after the due date shown on the most recent statement will 
   be charged a late payment fee.
   OTHER FEES (if not paid in cash, they will be charged to your savings account) 
   Replacement Card Fee: $5.00 for each card 
   Credit/Debit Slip Photocopy: $12.00 for each copy 
   Statement Photocopy: $2.00
   1  Cash advances also include convenience checks, ATM advances for overdraft protection, advances through automated phone 
     banking, online banking or PIN-based purchase transactions.
   *  In accordance with Maine state law. LE0840.06.17          I002383