Pacific Marine Credit Union
1278 Rocky Point Drive
Oceanside, CA 92056-5867
Toll Free (800) 736-4500
Fax (877) 789-PMCU

IMPORTANT CREDIT CARD DISCLOSURES

The  following  disclosure  represents  important  details  concerning  your  credit  card. The  information  about  costs  of  the  card  is
accurate as of _______________. You can contact us toll free at (800) 736-4500 or the address listed above to inquire if any
changes occurred since the effective date.

2/1/16

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate
(APR) for Purchases, Cash
Advances, & Balance
Transfers

Paying Interest

Signature Reward Card

13.24

%,

16.24

%, or

19.24

%

depending on your credit history. This APR will vary with the market based
on the Prime Rate.

Your due date is at least 21 days after we mail your billing statement. For Purchases: We
will not charge you interest on purchases if you pay your entire new purchase balance by
the due date each month. For Cash Advances and Balance Transfers: You cannot avoid
paying interest and we will begin charging interest on the date the cash advance or
balance transfer is posted to your account.

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:

Fees to Open or Maintain
your Account

• Annual Fee:

Transaction Fees

• Balance Transfer:

• Cash Advance:

• Foreign Transaction:

Penalty Fees

• Late Payment:

$49.00 each year if your purchase transactions in that year total less than $5,000. "Year"
means the 12 months between anniversary dates of your account opening.

None

None

1% of each transaction in U.S. dollars if the transaction involves a currency conversion
0.8% of each transaction in U.S. dollars if the transaction does not involve a currency
conversion

Up to $10.00 if your payment is more than 10 days late.

• Over-the-Credit Limit:

None

• Returned Payment:

Up to $27.00 if your payment is returned for any reason.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

9009 LASER ML FI16876 Rev 10-2015

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.