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7/20/2016 Signature-Card-App-Solicitation-Disclosue.Bold_.fw_.png (612x 1224) UNIVERSITY OF KENTUCKY FEDERAL CREDIT UNION 2557 Se Barber Wy Lewington, KY 40500-2275 ii LQANLINER. Phowd: (859) 264-4200 « Tol Free: (800) 234-8528 VISA Fax: (283) 264-4202 © www ukicu.org APPLICATION AND SOLICITATION DISCLOSURE   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases Visa Platinum 7.49% to 16.49% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Signature 9.99% to 16.74% when you open your account, based on your creditworthiness. This APR will vary wih the market based on the Prine Frate:   APR for Balance Transfers   Visa Platinum 7.49% to 16.49% when you open your account, based on your crediwarthiness. This APR will vary with the market based on the Prove Fate. Visa Signature 9.99% to 16.74% 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 Platinum 16.49% This APR will vary wilh the market based on the Prime Rate. Visa Signature 16.49% This APR wall 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 change you any interest on purchases if you pay your entire balance by the due dale each morth.   For Credit Card Tips from the Consumer Financial Protection Bureau   Te loam more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at httpvwew. consume ninance. qov/leammore,     Transaction Fees - Foreign Transaction Fee Upto 1.00% ofeach transaction in US. dollars   Penalty Fees     - Late Payment Fee Upto $25.00 - Over-the-Credit Limit Fee Upto $25.00 - Retumed Payment Fee Upto $25.00     How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” Effective Date: The information about ihe costs of the card desorbed in this appheation is accurale as of June 13, 2016. This information may have changed atter that date. To find out whal may have changed, contact the Creda Union, OTHER DISCLOSURES Late Payment Fee $25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment. Over-the-Credit-Limit Fee $25.00 or the amount of the transaction exteeding you credit limit, whichever is less. Returned Payment Fee $25.00 of the amount of the required minimum payment whichever is less. Statement Copy Fee $2.00 Rush Fee $25.00 Card Replacement Fee $5.00 Custom Card Fee $12.55 per design https:/Avww.ukfcu.or gAwp-content/uploads/201 6/06/Signature-Card-App-Solicitation-Disclosue.Bold_.fw_.png 1/27/20/2016

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