APPLICATION AND SOLICITATION DISCLOSURE Visa� Credit Card 
  
 
  
 
 Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases Visa Platinum 
0% Introductory APR for a period of eighteen (18) billing cycles. After that your APR will be 
7.90%, 9.90%, 12.90% or 16.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Rewards 
0% Introductory APR for a period of eighteen (18) billing cycles.  After that your APR will be 
8.90%, 10.90%, 13.90% or 17.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Cash Rewards 
0%  Introductory APR for a period of eighteen (18) billing cycles. After that your APR will be 
9.90%, 11.90%, 14.90% or 18.90%,  based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Cash Advances Visa Platinum 0% Introductory APR for a period of eighteen (18) billing cycles. After that your APR will be 7.90%, 9.90%, 12.90% or 16.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Rewards 0% Introductory APR for a period of eighteen (18) billing cycles. After that your APR will be 8.90%, 10.90%, 13.90% or 17.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Cash Rewards 0% Introductory APR for a period of eighteen (18) billing cycles. After that your APR will be 9.90%, 11.90%, 14.90% or 18.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. APR for Balance Transfers Visa Platinum 0% Introductory APR for a period of eighteen (18) billing cycles. After that your APR will be 7.90%, 9.90%, 12.90% or 16.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Rewards 0% Introductory APR for a period of eighteen (18) billing cycles. After that your APR will be 8.90%, 10.90%, 13.90% or 17.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Cash Rewards 0% Introductory APR for a period of eighteen (18)  billing cycles. After that your APR will be 9.90%, 11.90%, 14.90% or 18.90%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
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 Interest Rates and Interest Charges Penalty APR and Visa Platinum When It Applies 19.90% This APR will vary with the market based on the Prime Rate. Visa Platinum Rewards 20.90% This APR will vary with the market based on the Prime Rate. Visa Cash Rewards 21.90% This APR will vary with the market based on the Prime Rate. This APR may be applied to the entire balance on your account if you: � Make a late payment How long will the penalty APR apply? If your APRs are increased for this reason, the penalty APR will apply until you make at least six (6) consecutive minimum payments when due. 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. Minimum Interest Charge None 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 Set-up and Maintenance Fees � Annual Fee None � Account Set-up Fee None � Program Fee None � Participation Fee None � Additional Card Fee None � Application Fee None Transaction Fees  � Balance Transfer Fee  2% or $10.00, whichever is greater � Cash Advance/ATM Fee  2% or $10.00, whichever is greater � Foreign Transaction Fee   1% of each transaction in U.S. dollars � Transaction Fee for Purchases None Penalty Fees � Late Payment Fee � Over-the-Credit-Limit Fee    � Returned Payment Fee Up to $37.00 $25.00 $25.00 How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).�  Loss of Introductory APR: We may end your Introductory APR for purchases, balance transfers and cash advances and apply the penalty APR if you are 60 days late in making a payment. Application of Penalty APR: Your APR may be increased to the disclosed penalty APR if you are 60 days late in making a payment or make a payment that is returned. 
3 of 4  APPLICATION AND SOLICITATION DISCLOSURE Visa� Credit Card 
                                              Effective Date The information about the costs of the card described in this application is accurate as of October 3, 2020.   This information may have changed after that date. To find out what may have changed, contact the Credit Union. For California Borrowers, the Visa Platinum, Visa Platinum Rewards and Visa Cash Rewards are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower. Other Disclosures Late Payment Fee  $37.00 or the amount of the required minimum payment, whichever is less. Over-the-Credit-Limit Fee $25.00 Returned Payment Fee  $25.00 or the amount of the required minimum payment, whichever is less. Statement Copy Fee  $5.00 Document Copy Fee  $5.00 Rush Fee  $30.00 Emergency Card Replacement Fee  $30.00 PIN Replacement Fee   None Card Replacement Fee  $10.00 Unreturned Card Fee  None Stop Payment for Convenience Check Fee  $20.00 Minimum payment due 3% or $25, whichever is greater 
Please complete and fax or mail the application to: Inter-Office Address Dominion Energy Credit Union VA-Credit Union Operations � Boulders P .O. Box 26646, Richmond, VA 23261-6646 Phone: 800-268-6928 � Fax: 804-521-2510 
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