Common use of CONSENSUAL SECURITY INTEREST Clause in Contracts

CONSENSUAL SECURITY INTEREST. You further acknowledge and agree that you give the Credit Union a consensual security interest in the shares you have in all individual and joint accounts you have with the Credit Union, now and in the future (other than those accounts that would have an adverse tax consequence if pledged as collateral), to secure repayment of amounts you owe to the extent of any unpaid balance on your Account. X X Borrower Signature Date Co-Borrower Signature Date INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate Credit Score A B C D (APR) for purchases Annual Percentage 10.90% 11.90% 12.90% 15.90% Rate We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. ANNUAL PERCENTAGE RATE Balance Transfers 10.90% - 15.90% When you open your account based on your for credit worthiness. Your APR will vary with the market based on the Prime Rate. ANNUAL PERCENTAGE RATE for Cash Advances 10.90% - 15.90% When you open your account based on your credit worthiness. Your APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is 25 days after the close of each billing cycle. We will not charge 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 xxxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. FEES · Expedited Card · Copy of Sales Draft · Copy of Statement $20 $5 $1 Transaction Fees · Foreign Transaction Fees 1% for currency conversion. 1% for non-currency conversion. 0.15% + US $0.50 cash disbursement fee at surcharge ATMs Asian Pacific, 0.52% + US $0.65; Canada, US $1.25; Central/Eastern Europe, Middle East and Africa, 0.42% + US $0.55; Europe, US $1.50; Latin America and the Caribbean, 0.52% + US $0.65 cash disbursement fees at surcharge-free ATMs Please refer to Foreign Transactions section for more information. Penalty Fees · Late Payment · Returned Payment If your payment is 30 or more days late, you will be charged $20 $25

CONSENSUAL SECURITY INTEREST. You further acknowledge and agree that you give the Credit Union a consensual security interest in the shares you have in all individual and joint accounts you have with the Credit Union, now and in the future (other than those accounts that would have an adverse tax consequence if pledged as collateral), to secure repayment of amounts you owe to the extent of any unpaid balance on your Account. X X Borrower Signature Date Co-Borrower Signature Date INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate Credit Score A B C D (APR) for purchases Annual % % % % Percentage 10.90% 11.90% 12.90% 15.90% 10.90 11.90 12.90 15.90 Rate We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. ANNUAL PERCENTAGE RATE Balance Transfers 10.90% - 15.90% When you open your account based on your for credit worthiness. Your APR will vary with the market based on the Prime Rate. ANNUAL PERCENTAGE RATE for Cash Advances 10.90% - 15.90% When you open your account based on your credit worthiness. Your APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is 25 days after the close of each billing cycle. We will not charge 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 xxxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. FEES · Expedited Card · Copy of Sales Draft · Copy of Statement $20 · Lost Card / Reorder · Expedited Card $5 $1 $10 Fee Varies Transaction Fees · Foreign Transaction Fees 1% for currency conversion. 1% for non-currency conversion. 0.15% + US $0.50 cash disbursement fee at surcharge ATMs Asian Pacific, 0.52% + US $0.65; Canada, US $1.25; Central/Eastern Europe, Middle East and Africa, 0.42% + US $0.55; Europe, US $1.50; Latin America and the Caribbean, 0.52% + US $0.65 cash disbursement fees at surcharge-free ATMs Please refer to Foreign Transactions section for more information. Penalty Fees · Late Payment · Returned Payment Check If your payment is 30 or more days late, you will be charged $20 $25

CONSENSUAL SECURITY INTEREST. You further acknowledge and agree that you give the Credit Union a consensual security interest in the shares you have in all individual and joint accounts you have with the Credit Union, now and in the future (other than those accounts that would have an adverse tax consequence if pledged as collateral), to secure repayment of amounts you owe to the extent of any unpaid balance on your Account. X X Borrower Signature Date Co-Borrower Signature Date INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate Credit Score A B C D (APR) for purchases Annual % % % % Percentage 10.90% 11.90% 12.90% 15.90% 10.90 11.90 12.90 15.90 Rate We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. ANNUAL PERCENTAGE RATE Balance Transfers 10.90% - 15.90% When you open your account based on your for credit worthiness. Your APR will vary with the market based on the Prime Rate. ANNUAL PERCENTAGE RATE for Cash Advances 10.90% - 15.90% When you open your account based on your credit worthiness. Your APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is 25 days after the close of each billing cycle. We will not charge 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 xxxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. FEES · Expedited Card · Copy of Sales Draft · Copy of Statement $20 · Lost Card / Reorder · Expedited Card $5 $1 $10 Fee Varies Transaction Fees · Foreign Transaction Fees 1% for currency conversion. 1% for non-currency conversion. 0.15% + US $0.50 cash disbursement fee at surcharge ATMs Asian Pacific, 0.52% + US $0.65; Canada, US $1.25; Central/Eastern Europe, Middle East and Africa, 0.42% + US $0.55; Europe, US $1.50; Latin America and the Caribbean, 0.52% + US $0.65 cash disbursement fees at surcharge-free ATMs Please refer to Foreign Transactions section for more information. Penalty Fees · Late Payment · Returned Payment If your payment is 30 or more days late, you will be charged $20 $2520

CONSENSUAL SECURITY INTEREST. You further acknowledge and agree that you give the Credit Union a consensual security interest in the shares you have in all individual and joint accounts you have with the Credit Union, now and in the future (other than those accounts that would have an adverse tax consequence if pledged as collateral), to secure repayment of amounts you owe to the extent of any unpaid balance on your Account. X X Borrower Signature Date Co-Borrower Signature Date INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate Credit Score A B C D (APR) for purchases Annual % % % % Percentage 10.90% 11.90% 12.90% 15.90% 10.90 11.90 12.90 15.90 Rate We will tell you in writing which rate applies upon approval of your application. Rate based on credit score. ANNUAL PERCENTAGE RATE Balance Transfers 10.90% - 15.90% When you open your account based on your for credit worthiness. Your APR will vary with the market based on the Prime Rate. ANNUAL PERCENTAGE RATE for Cash Advances 10.90% - 15.90% When you open your account based on your credit worthiness. Your APR will vary with the market based on the Prime Rate. How to Avoid Paying Interest on Purchases Your due date is 25 days after the close of each billing cycle. We will not charge 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 xxxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore. FEES · Expedited Card · Copy of Sales Draft · Copy of Statement $20 · Lost Card / Reorder · Expedited Card $5 $1 2 $10 Fee Varies Transaction Fees · Foreign Transaction Fees 1% for currency conversion. 1% for non-currency conversion. 0.15% + US $0.50 cash disbursement fee at surcharge ATMs Asian Pacific, 0.52% + US $0.65; Canada, US $1.25; Central/Eastern Europe, Middle East and Africa, 0.42% + US $0.55; Europe, US $1.50; Latin America and the Caribbean, 0.52% + US $0.65 cash disbursement fees at surcharge-free ATMs Please refer to Foreign Transactions section for more information. Penalty Fees · Late Payment · Returned Payment Check If your payment is 30 or more days late, you will be charged $20 $25