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Showing general ratesMastercard Credit Card ApplicationDisclosureThis information is accurate as of 5.1.20 and is subject to change after this date. For current information, please contactFirst Tech Federal Credit Union at PO Box 2100, Beaverton, OR 97075-2100, call us at 855.855.8805 or visitfirsttechfed.comInterest Rates and ChargesAnnual Percentage Rate(APR) for PurchasesOdyssey Rewards World Elite Mastercard:6.99% to 18.00% when you open your account, based on your creditworthinessPlatinum Mastercard:6.99% to 18.00% when you open your account, based on your creditworthinessPlatinum Rewards Mastercard:7.99% to 18.00% when you open your account, based on your creditworthinessChoice Rewards World Mastercard:8.25% to 18.00% when you open your account, based on your creditworthinessPlatinum Secured Mastercard:9.00% to 18.00% when you open your account, based on your creditworthinessAfter that your APR will vary with the market based on the Prime Rate.APR for Balance Transfers0.00% introductory APR for the first twelve billing cycles on balances transferred during the first 90 days after accountopening. After that:Odyssey Rewards World Elite Mastercard:6.99% to 18.00% when you open your account, based on your creditworthinessPlatinum Mastercard:6.99% to 18.00% when you open your account, based on your creditworthinessPlatinum Rewards Mastercard:7.99% to 18.00% when you open your account, based on your creditworthinessChoice Rewards World Mastercard:8.25% to 18.00% when you open your account, based on your creditworthinessYour APR will vary with the market based on the Prime Rate.Odyssey Rewards World Elite Mastercard:9.00% to 18.00% when you open your account, based on your creditworthinessAccountAnnual Percentage RateLoan Amount (min/max)Loan Termas low as 6.99%$25,000 / $100,000revolvingas low as 8.25%$10,000 / $35,000revolvingas low as 7.99%$500 / $25,000revolvingas low as 6.99%$500 / $25,000revolvingas low as 9.00%$500 / $25,000revolvingAll Credit CardsEffective Date: May 1, 2020Odyssey Rewards World Elite MastercardChoice Rewards World MastercardPlatinum Rewards MastercardPlatinum MastercardPlatinum Secured MastercardPage 2 of 3  

Interest Rates and ChargesAPR for Cash AdvancesPlatinum Mastercard:7.99% to 18.00% when you open your account, based on your creditworthinessPlatinum Rewards Mastercard:8.99% to 18.00% when you open your account, based on your creditworthinessChoice Rewards World Mastercard:9.25% to 18.00% when you open your account, based on your creditworthinessPlatinum Secured Mastercard:10.00% to 18.00% when you open your account, based on your creditworthinessThis APR will vary with the market based on the Prime Rate.How to Avoid Paying Intereston PurchasesYour due date is at least 21 days after the close of each billing cycle. We will not charge you interest on Purchases if youpay your entire balance by the due date each month. We will begin charging interest on cash advances and transfers as ofthe transaction date.Minimum InterestNoneFor Credit Card from theConsumer FinancialProtection BureauTo learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial ProtectionBureau at:  www.consumerfinance.gov/learnmoreFeesAnnual FeeOdyssey Rewards World EliteMastercard$75.00Platinum MastercardNonePlatinum Rewards MastercardNoneChoice Rewards World MastercardNonePlatinum Secured MastercardNoneTransaction FeesForeign TransactionCash AdvanceBalance TransferNoneNoneNonePenalty FeesLate PaymentReturned PaymentUp to $25.00Up to $25.00 How We Will Calculate Your Balance: We use a method called “average daily balance” (excluding new purchases). For CashAdvances and Balance Transfers, we use a method called "average daily balance" (including new Cash Advances andBalance Transfers).Variable Rate Information: Your APR may increase or decrease. Rates are determined and adjusted monthly on the dayfollowing your statement closing date by adding a Margin to the highest U.S. Prime Rate as of the 15th of the previousmonth. The Margin is determined based on an evaluation of each Member's credit history. The margin will range from3.74% to 14.74% based on product type. Your maximum APR will not exceed 18%.How we Calculate My Minimum Payment? Your minimum payment will be 2% of your balance or $25.00 whichever isgreater, if your balance is less than $25.00 your minimum payment will be equal to your balance.Balance Transfers: The introductory APR for balance transfers is good for 12 billing cycles from date of completedtransfer on balances transferred within the first 90 days of account opening. After the 12 billing cycles, your rate will bethe standard purchases APR. Balances transferred from existing First Tech Federal Credit Union accounts are not eligiblefor the introductory APR. Interest will start to accrue on the day the balance transfer is posted to your account, unless yourbalance transfer is subject to a promotional APR of 0.00%. In this case, no interest will accrue on the balance transferreduntil your 0% APR introductory period ends. If you take advantage of the introductory balance transfer offer, you will becharged interest on purchases unless your purchase APR is at a promotional 0.00%. To avoid interest on new purchasesafter you transfer a balance, you must pay your entire account balance on your account, including any balances youtransfer under the introductory APR, purchases or cash advances, in full by the end of your current cycle.Change in Terms: We can change the terms of your account as permitted by law. When required, we will send you noticePage 3 of 3  

before doing so.Loss of Introductory APR: We may end your introductory APR and apply the rate appropriate to your account, 6.99% to18.00% for Balance Transfers APR, if you make a late payment during the introductory period. This APR will vary with themarket based on the Prime Rate.