Common use of Billing Rights Clause in Contracts

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreement. Municipal Credit Union MUNICIPAL CREDIT UNION VISA PLATINUM – PRICING INFORMATION Annual Percentage Rate (APR) for Purchases and Balance Transfers 10.15%, 11.65% or 13.15% based on your creditworthiness at account opening. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances 17.90% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Annual Fee None Transaction Fees  Cash Advance  Foreign Transaction Either $1 or $2 (depending on your creditworthiness) or 3% of the amount of each Cash Advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees  Late Payment  Returned Payment Up to $30 Up to $20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 6.90%, 8.40% or 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2020 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, would be .03192%, .03603% or .04014%, respectively and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you will have a minimum grace period of 25 days with no interest charge on all new Purchases and Balance Transfers. If you have been paying your Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreement. Municipal Credit Union MUNICIPAL CREDIT UNION VISA PLATINUM GOLD – PRICING INFORMATION Annual Percentage Rate (APR) for Purchases and Balance Transfers 10.1511.65%, 11.65% or 13.15% based on your creditworthiness at account opening. These APRs This APR will vary with the market based on the Prime Rate. APR for Cash Advances 17.90% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases purchases and Balance Transfers balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Annual Fee None Transaction Fees  • Cash Advance  • Foreign Transaction Either $1 or $2 (depending on your creditworthiness) or 3% of the amount of each Cash Advancecash advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees  • Late Payment  • Returned Payment Up to $30 Up to $20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? : Variable rates may change quarterly based upon the movement in the highest prime rate as published in The the Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 6.90%, add 8.40% or 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March December 15, 2020 2014 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, APR would be .03192%, .03603% or .04014%, respectively and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you will have a minimum grace period of 25 days with no interest charge on all new Purchases purchases and Balance Transfersbalance transfers. If you have been paying your Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances cash advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the your Cardholder Agreement. Municipal Credit Union MUNICIPAL CREDIT UNION VARIABLE RATE VISA PLATINUM – PRICING INFORMATION Annual Percentage Rate (APR) for Purchases and Balance Transfers 10.1514.40%, 11.65% or 13.15% based on your creditworthiness at account opening. These APRs This APR will vary with the market based on the Prime Rate. APR for Cash Advances 17.90% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Annual Fee None Transaction Fees  • Cash Advance  • Foreign Transaction Either $1 or $2 (depending on your creditworthiness) or 3% of the amount of each Cash Advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees  • Late Payment  • Returned Payment Up to $30 Up to $20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 6.90%, 8.40% or add 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March December 15, 2020 2017 was 3.254.50%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, APR would be .03192%, .03603.03945% or .04014%, respectively and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you will have a minimum grace period of 25 days with no interest charge on all new Purchases purchases and Balance Transfersbalance transfers. If you have been paying your Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreementyour account agreement. Municipal Credit Union MUNICIPAL CREDIT UNION VISA PLATINUM – PRICING INFORMATION Card Disclosure INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate Credit Score 690+ 640 – 689 610 – 639 Below 610 (APR) for Purchases and purchases Annual Percentage 11.99% 12.99% 15.99% 16.99% Rate We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. APR for Balance Transfers 10.15%, 11.65% or 13.15% based on your creditworthiness at account opening. These APRs will vary with the market based on the Prime RateThe same Annual Percentage Rate listed for purchases above. APR for Cash Advances 17.90The same Annual Percentage Rate listed for purchases above. Penalty APR and When It Applies 16.99% This APR may be applied to your account if you: 1) Make a late payment; 2) Go over your credit limit; 3) Make a payment that is returned; or 4) Do any of the above on another account that you have with us. How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make 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 and Balance Transfers purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.501.50. For Credit Card Tips from the Consumer Financial Protection Bureau Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau Federal Reserve Board at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore xxxx://xxx.xxxxxxxxxxxxxx.xxx/creditcard. FEES · Annual Fee None Transaction Fees  · Balance Transfer · Cash Advance  · Foreign Transaction Fees Either $1 or $2 (depending on your creditworthiness) 5 or 3% of the amount of each Cash Advancetransfer, whichever is greater (maximum greater. Maximum fee $30.00)100. Either $5 or 3% of the amount of each transfer, whichever is greater. 1% of each transaction in U.S. dollarsfor currency conversion. Penalty Fees  Late Payment  Returned Payment Up 0.8% for non-currency conversion. $1.25 ATM cash disbursement fee at surcharge-free ATMs $0.50 ATM cash disbursement fee at surcharge ATMs Please refer to $30 Up to $20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below Section 12, Foreign Transactions for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 6.90%, 8.40% or 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2020 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, would be .03192%, .03603% or .04014%, respectively and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you will have a minimum grace period of 25 days with no interest charge on all new Purchases and Balance Transfers. If you have been paying your Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous billinformation.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreement. Municipal Credit Union MUNICIPAL CREDIT UNION VISA PLATINUM – PRICING INFORMATION Annual Percentage Rate (APR) for Purchases and Balance Transfers 8.90% or 10.15%, 11.65% or 13.15% based on your creditworthiness at account opening. These APRs This APR will vary with the market based on the Prime Rate. APR for Cash Advances 17.90% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Annual Fee None Transaction Fees  • Cash Advance  • Foreign Transaction Either $1 or $2 (depending on your creditworthiness) or 3% of the amount of each Cash Advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees  • Late Payment  • Returned Payment Up to $30 Up to $20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? : Variable rates may change quarterly based upon the movement in the highest prime rate as published in The the Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 6.90%, 8.40either 5.65% or 9.906.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2020 2015 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, would be .03192%, .03603either .02438% or .04014%, respectively .02781% and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you will have a minimum grace period of 25 days with no interest charge on all new Purchases and Balance Transfers. If you have been paying your Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreementyour account agreement. Municipal Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Credit Union MUNICIPAL CREDIT UNION VISA PLATINUM – PRICING INFORMATION will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate Annual Percentage Rate (APR) APR)² for Purchases and 10.90% to a Maximum fixed rate 18.00% Based on creditworthiness 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for Balance Transfers 10.15%, 11.6510.90% or 13.15to a Maximum fixed rate 18.00% based Based on your creditworthiness at account opening. These APRs will vary with the market based 12.90% to a Maximum fixed rate 17.90% Based on the Prime Rate. APR creditworthiness Minimum fixed rate Minimum fixed rate APR¹ for Cash Advances 10.90% to a Maximum fixed rate 18.00% Based on creditworthiness 12.90% to a Maximum fixed rate 17.90% Paying Interest Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases and Balance Transfers purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances cash advances and balance transfers on the transaction date. 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. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. NA NA 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None NONE NONE Transaction Fees  *Balance Transfer *Cash Advance  Foreign Transaction Either $1 or $2 NONE NONE NONE NONE Visa® International Service Assessment (depending on your creditworthinessISA) or 3% of the amount of each Cash Advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollars. Fee NONE NONE Penalty Fees  *Late Payment  *Over-the-Credit Limit *Returned Payment Up to $30 25 NONE NONE Up to $20 How We Will Calculate Your Balance: We use 25 NONE NONE ¹ECU Cash Rewards offers a method called “average daily balance reward program that for every dollar spent (including new purchasesnet purchases only).” See How Do We Calculate the Interest Charge? below , you earn at least 1% cash. Please review your Cardholder Agreement for more complete details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 6.90%, 8.40% or 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate ²APR information is accurate as of March 1510, 2020 was 3.25%2021 and may change after that. What Are To find out what may have changed, write to ECU, X.X. Xxx 0000, Xxxxxxxxx, XX 00000 or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 Illinois Commissioner of Bank and round to the nearest 1/100,000th Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of 1%Illinois CIP, X.X. Xxx 00000, Xxxxxxxxxxx, XX 00000 or 000-000-0000. If the daily periodic rates and corresponding Annual Percentage Rates increaseVisa® is a federally registered service xxxx of Visa U.S.A., the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, would be .03192%, .03603% or .04014%, respectively and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you will have a minimum grace period of 25 days with no interest charge on all new Purchases and Balance Transfers. If you have been paying your Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous bill.Inc.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in the Cardholder your Credit Card Agreement. Municipal Credit Union MUNICIPAL CREDIT UNION VISA PLATINUM – PRICING INFORMATION Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Balance Transfers 10.15%, 11.65Cash Advances 10.25% or 13.15% based on your creditworthiness at account opening. These APRs This APR will vary with the market based on the Prime Rate. APR for Cash Advances 17.90% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases and Balance Transfers purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees  Cash Advance  • Foreign Transaction Either $1 or $2 (depending on your creditworthiness) or 3% of the amount of each Cash Advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollarsdollars for multi currency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees  • Late Payment  Returned Payment Up to $30 Up to $20 15 Platinum Rewards C Pricing Effective 3/19/2020 How We Will Calculate Your Balance: We use a method called “average a verage daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below your Credit Card Agreement for more details. Other Things You Should Know Can We Increase Billing Rights: Information on your rights to dispute transactions and how to e xercise those rights i s provided in your Credit Card Agreement. Interest Rates and Interest Charges And Fees? We may increase your interest charges Annual Percentage Rate (APR) for new transactions Purchases Balance Transfers, and your fees Cash Advances 11.25% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the first year close of the account. We may change any other terms of your account at any timeeach billing cycle. We will give not charge you notice of any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) interest on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 6.90%, 8.40% or 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2020 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, would be .03192%, .03603% or .04014%, respectively and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month purchases if you pay your “New Balance” of Purchases in full entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. 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, you will have a minimum grace period visit the website of 25 days with no interest charge on all new Purchases and Balance Transfersthe Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multi currency transactions. If you have been paying your Purchases Account 0.80% of each transaction in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous billU.S. dollars for single currency transactions.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreement. MCU² 12/14 Municipal Credit Union MUNICIPAL CREDIT UNION MCU² VISA PLATINUM – PRICING INFORMATION Annual Percentage Rate (APR) for Purchases and Balance Transfers 10.1511.65%, 11.65% or 13.15% based on your creditworthiness at account opening. These APRs This APR will vary with the market based on the Prime Rate. APR for Cash Advances 17.90% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases purchases and Balance Transfers balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Annual Fee None Transaction Fees  • Cash Advance  • Foreign Transaction Either $1 or $2 (depending on your creditworthiness) or 3% of the amount of each Cash Advancecash advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees  • Late Payment  • Returned Payment Up to $30 Up to $20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? : Variable rates may change quarterly based upon the movement in the highest prime rate as published in The the Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 6.90%, add 8.40% or 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March December 15, 2020 2014 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, APR would be .03192%, .03603% or .04014%, respectively and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you will have a minimum grace period of 25 days with no interest charge on all new Purchases purchases and Balance Transfersbalance transfers. If you have been paying your Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances cash advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreement. TRV COMB 5/20 Municipal Credit Union MUNICIPAL CREDIT UNION TRUE REWARDS VISA PLATINUM – PRICING INFORMATION Annual Percentage Rate (APR) for Purchases and Balance Transfers 10.1512.40%, 11.65% 13.65%, 15.15%, or 13.15% 16.90%, based on your creditworthiness at account opening. These APRs will vary with the market based on the Prime Rate. APR for Cash Advances 17.90% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Annual Fee None Transaction Fees  Balance Transfers  Cash Advance Advances  Foreign Transaction Transactions Either $1 2 or 3% of the amount of each Balance Transfer, whichever is greater. Either $2 (depending on your creditworthiness) or 3% of the amount of each Cash Advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees  Late Payment  Returned Payment Up to $30 Up to $20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And & Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 6.909.15%, 8.4010.40%, 11.90% or 9.9013.65% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2020 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will TRV 5/20 increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, would be .03192.03808%, .03603.04151%, .04562% or .04014%, respectively .05041% and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you will have a minimum grace period of 25 days with no interest charge on all new Purchases and Balance Transfers. If you have been paying your Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreement. Combined VP-2 12/14 Municipal Credit Union MUNICIPAL CREDIT UNION VISA PLATINUM – PRICING INFORMATION Annual Percentage Rate (APR) for Purchases and Balance Transfers 8.90% or 10.15%, 11.65% or 13.15% based on your creditworthiness at account opening. These APRs This APR will vary with the market based on the Prime Rate. APR for Cash Advances 17.90% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Annual Fee None Transaction Fees  • Cash Advance  • Foreign Transaction Either $1 or $2 (depending on your creditworthiness) or 3% of the amount of each Cash Advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees  • Late Payment  • Returned Payment Up to $30 Up to $20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? : Variable rates may change quarterly based upon the movement in the highest prime rate as published in The the Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 6.90%, 8.40either 5.65% or 9.906.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March December 15, 2020 2014 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, would be .03192%, .03603either .02438% or .04014%, respectively .02781% and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you will have a minimum grace period of 25 days with no interest charge on all new Purchases and Balance Transfers. If you have been paying your Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in the Cardholder your Credit Card Agreement. Municipal Credit Union MUNICIPAL CREDIT UNION VISA PLATINUM – PRICING INFORMATION Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Balance Transfers 10.15%, 11.65Cash Advances 7.25% or 13.15% based on your creditworthiness at account opening. These APRs This APR will vary with the market based on the Prime Rate. APR for Cash Advances 17.90% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases and Balance Transfers purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances cash advances and balance transfer s on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees  Cash Advance  • Foreign Transaction Either $1 or $2 (depending on your creditworthiness) or 3% of the amount of each Cash Advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollarsdollars for multi currency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees  • Late Payment  Returned Payment Up to $30 Up to $20 15 Platinum B Pricing Effective 3/19/2020 How We Will Calculate Your Balance: We use a method called “average a verage daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below your Credit Card Agreement for more details. Other Things You Should Know Can We Increase Billing Rights: Information on your rights to dispute transactions and how to exercise those rights i s p rovided in your Credit Card Agreement. Interest Rates and Interest Charges And Fees? We may increase your interest charges Annual Percentage Rate (APR) for new transactions Purchases Balance Transfers, and your fees Cash Advances 8.25% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the first year close of the accounteach billing cycle. We may change wil l not charge you any other terms of interest on purchases if you pay your account at any timeentire balance by the due date each month. We will give you notice begin charging interest on cash advances and balance transfers on the transaction date. 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 any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each year (the “index dates”)transaction in U.S. dollars for multi currency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards B Pricing Effective 3/19/2020 How We add, depending on your creditworthiness, 6.90%, 8.40% or 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2020 was 3.25%. What Are the Daily Periodic Rates Used To Will Calculate Your Interest? Balance: We determine use a method called “a verage daily balance (i ncluding new purchases).” See your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below Credit Card Agreement for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, would be .03192%, .03603% or .04014%, respectively and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you will have a minimum grace period of 25 days with no interest charge on all new Purchases and Balance Transfers. If you have been paying your Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreement. Municipal Credit Union MUNICIPAL CREDIT UNION VARIABLE RATE VISA PLATINUM – PRICING INFORMATION Annual Percentage Rate (APR) for Purchases and Balance Transfers 10.1513.15%, 11.65% or 13.15% based on your creditworthiness at account opening. These APRs This APR will vary with the market based on the Prime Rate. APR for Cash Advances 17.90% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases purchases and Balance Transfers balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Annual Fee None Transaction Fees  • Cash Advance  • Foreign Transaction Either $1 or $2 (depending on your creditworthiness) or 3% of the amount of each Cash Advancecash advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees  • Late Payment  • Returned Payment Up to $30 Up to $20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? : Variable rates may change quarterly based upon the movement in the highest prime rate as published in The the Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 6.90%, 8.40% or add 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March December 15, 2020 2014 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, APR would be .03192%, .03603% or .04014%, respectively and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you will have a minimum grace period of 25 days with no interest charge on all new Purchases purchases and Balance Transfersbalance transfers. If you have been paying your Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances cash advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the your Cardholder Agreement. Municipal Credit Union MUNICIPAL CREDIT UNION MCU² VISA PLATINUM – PRICING INFORMATION Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases and Balance Transfers 10.15%, 11.6516.15% or 13.15% based on your creditworthiness at account opening. These APRs This APR will vary with the market based on the Prime Rate. APR for Cash Advances 17.90% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees  • Cash Advance  • Foreign Transaction Either $1 or $2 (depending on your creditworthiness) or 3% of the amount of each Cash Advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees  • Late Payment  • Returned Payment Up to $30 Up to $20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And & Fees? We may increase your interest charges for new transactions and your based on the movements in the highest prime rate as published in The Wall Street Journal, but not more often than once within any three-month period. We may not charge fees after beyond 25% of the total initial credit line (other than penalty fees) during the first year of the accountin which your account is opened. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”)but not more often than once within any three-month period. We add, depending on your creditworthiness, 6.90%, add 8.40% or 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A We will notify you of a rate change and the new rate in the APR resulting from a change in billing statement for the index on any of month before the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2020 was 3.25%increase becomes effective. What Are the Daily Periodic Rates Used To to Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The the Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, APR would be .03192%, .03603.04425% or .04014%, respectively and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you will have a minimum grace period of 25 days with no interest charge on all new Purchases purchases and Balance Transfersbalance transfers. If you have been paying your Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous bill. How Do We Calculate the Interest Charge? The Interest Charge Calculation Methods applicable to your Purchases and Cash Advances Accounts are as follows: Purchases Account – The Interest Charge for a billing cycle is computed by applying the applicable periodic rate to the “average daily balance” of your Purchases Account (which includes balance transfers). To get the average daily balance, we take the beginning balance of your Purchases Account each day, add any new purchases, or balance transfers, and subtract any payments, credits, unpaid periodic interest charges and other unpaid fees and charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the average daily balance. Finally, we multiply the average daily balance by the daily periodic rate (the APR divided by 365) and the number of days in the billing period. Cash Advances Account – The Interest Charge for a billing cycle is computed by applying the applicable periodic rate to the “average daily balance” of your Cash Advances Account. To get the average daily balance, we take the beginning balance of your Cash Advances Account each day, add any new Cash Advances, and subtract any payments, unpaid periodic interest charges and other unpaid fees and charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the average daily balance. Finally, we multiply the average daily balance by the daily periodic rate (the APR divided by 365) and the number of days in the billing period.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the your Cardholder Agreement. Municipal Credit Union MUNICIPAL CREDIT UNION VISA PLATINUM GOLD – PRICING INFORMATION Annual Percentage Rate (APR) for Purchases and Balance Transfers 10.1512.15%, 11.65% or 13.15% based on your creditworthiness at account opening. These APRs This APR will vary with the market based on the Prime Rate. APR for Cash Advances 17.90% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Annual Fee None Transaction Fees  • Cash Advance  • Foreign Transaction Either $1 or $2 (depending on your creditworthiness) or 3% of the amount of each Cash Advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees  • Late Payment  • Returned Payment Up to $30 Up to $20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 6.90%, add 8.40% or 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2020 2017 was 3.253.75%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, APR would be .03192%, .03603.03329% or .04014%, respectively and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you will have a minimum grace period of 25 days with no interest charge on all new Purchases purchases and Balance Transfersbalance transfers. If you have been paying your Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreement. MCU² 3/15 Municipal Credit Union MUNICIPAL CREDIT UNION MCU² VISA PLATINUM – PRICING INFORMATION Annual Percentage Rate (APR) for Purchases and Balance Transfers 10.1511.65%, 11.65% or 13.15% based on your creditworthiness at account opening. These APRs This APR will vary with the market based on the Prime Rate. APR for Cash Advances 17.90% Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases purchases and Balance Transfers balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances cash advances on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Annual Fee None Transaction Fees  • Cash Advance  • Foreign Transaction Either $1 or $2 (depending on your creditworthiness) or 3% of the amount of each Cash Advancecash advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees  • Late Payment  • Returned Payment Up to $30 Up to $20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? : Variable rates may change quarterly based upon the movement in the highest prime rate as published in The the Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 6.90%, add 8.40% or 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2020 2015 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, APR would be .03192%, .03603% or .04014%, respectively and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you will have a minimum grace period of 25 days with no interest charge on all new Purchases purchases and Balance Transfersbalance transfers. If you have been paying your Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances cash advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in the Cardholder Agreementyour account agreement. Municipal Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Credit Union MUNICIPAL CREDIT UNION VISA PLATINUM – PRICING INFORMATION will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate Annual Percentage Rate (APR) APR)² for Purchases and 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for Balance Transfers 10.15%, 11.6510.90% or 13.15to a Maximum fixed rate 18.00% based 12.90% to a Maximum fixed rate 17.90% Based on your creditworthiness at account opening. These APRs will vary with the market based Based on the Prime Rate. APR creditworthiness Minimum fixed rate Minimum fixed rate APR¹ for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Paying Interest Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on Purchases and Balance Transfers purchases if you pay your entire balance by the due date each month. We will begin charging interest on Cash Advances cash advances and balance transfers on the transaction date. 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. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge If you are charged interest, the charge will be no less than $.50. NA NA 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore 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 xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None NONE NONE Transaction Fees  *Balance Transfer *Cash Advance  Foreign Transaction Either $1 or $2 NONE NONE NONE NONE Visa® International Service Assessment (depending on your creditworthinessISA) or 3% of the amount of each Cash Advance, whichever is greater (maximum $30.00). 1% of each transaction in U.S. dollars. Fee NONE NONE Penalty Fees  *Late Payment  *Over-the-Credit Limit *Returned Payment Up to $30 25 NONE NONE Up to $20 How We Will Calculate Your Balance: We use 25 NONE NONE ¹ECU Cash Rewards offers a method called “average daily balance reward program that for every dollar spent (including new purchasesnet purchases only).” See How Do We Calculate the Interest Charge? below , you earn at least 1% cash. Please review your Cardholder Agreement for more complete details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions ²APR information is accurate as of November 1, 2023 and your fees after the first year of the account. We may change any other terms after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of your account Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at any timeState of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. We will give you notice Visa® is a federally registered service mark of any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) on March 15thVisa U.S.A., June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 6.90%, 8.40% or 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2020 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, would be .03192%, .03603% or .04014%, respectively and the daily periodic rate for your Cash Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you will have a minimum grace period of 25 days with no interest charge on all new Purchases and Balance Transfers. If you have been paying your Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous bill.Inc.