TUCSON FEDERAL CREDIT UNION     APPLICATION AND SOLICITATION DISCLOSURE   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases Visa Platinum 13.00%, 13.50%, 15.75%, or 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Preferred 7.50% Introductory APR for a period of 12 billing cycles. After that your APR willbe 12.25%, 12.75%, or 1 5.00% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Share Secured 12.00% This APR will vary with the market based on the Prime Rate. Visa Platinum Preferred Share Secured This APR will vary with the market based on the Prime Rate. Visa Platinum High Risk Share Secured   APR for Balance Transfers Visa Platinum 13.00%, 13.50% , 15.75%, or 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Preferred 7.50% Introductory APR for a period of 12 billing cycles. After that your APR will be 12.25% , 12.75% , or 15.00% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Share Secured 12.00% This APR will vary with the market based on the Prime Rate. Visa Platinum Preferred Share Secured This APR will vary with the market based on the Prime Rate. Visa Platinum High Risk Share Secured   APR for Cash Advances     Visa Platinum 13.00% , 13.50% , 15.75% , or 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.   ©CUNA Mutual Group 2009, 10, 12 All Rights Reserved DAZXF1 (MXC403 CCM003)-e SEE NEXT PAGE for more important information about your account.    Visa Platinum Preferred 12.25%, 12.75%, or 15.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Share Secured 12.00% This APR will vary with the market based on the Prime Rate. Visa Platinum Preferred Share Secured This APR will vary with the market based on the Prime Rate. Visa Platinum High Risk Share Secured   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.   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:/Awww.consumerfinance.gov/learnmore.   Fees   Transaction Fees - Foreign Transaction Fee 1.00% of each multiple currency transaction in U.S. dollars 1.00% of each single currency transaction in U.S. dollars     Penalty Fees - Late Payment Fee - Returned Payment Fee   Up to $32.00   How We Will Calculate Your Balance: We use a method called “average daily balance (excluding new purchases).” Visa Platinum Preferred — Promotional Period for Introductory APR: The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 12 months following the opening of your account. Effective Date: The information about the costs of the card described in this application is accurate as of May 1, 2017 This information may have changed after that date. To find out what may have changed, contact the Credit Union. OTHER DISCLOSURES Late Payment Fee Returned Payment Fee Returned Convenience Check Fee Statement Copy Fee Document Copy Fee Rush Fee Emergency Card Replacement Fee Card Replacement Fee Pay-by-Phone Fee Non-TFCU ATM Fee Copy of Visa Voucher Fee 20.00% of the interest due, if you are ten or more days late in making a payment. However, the fee will not exceed $32.00 $32.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six billing cycles following the initial violation, you will be charged $32.00 or the amount of the required minimum payment, whichever is less. $32.00 or the amount of the returned convenience check, whichever is less. In the event a payment is returned in the same or in any of the six billing cycles following the initial violation, you will be charged $32.00 or the amount of the returned convenience check, whichever is less. $2.00 $5.00 $40.00 $40.00 $10.00 $20.00 $2.00 $5.00 DAZXF1 (MXC403 CCM003)-e