Common use of COST OF CREDIT Clause in Contracts

COST OF CREDIT. You will pay a FINANCE CHARGE for all advances made against your Account. FINANCE CHARGES for cash advances, balance transfers, and convenience checks begin to accrue on the date of the advance. New purchases will not incur a FINANCE CHARGE on the date they are posted to your Account if you have paid the Account in full by the Payment Due Date shown on your previous monthly statement or if there was no previous balance. Cash Advances incur a FINANCE CHARGE from the date they are posted to your Account. No additional FINANCE CHARGES will be imposed on new purchases shown on your statement if the New Balance shown on the statement is paid in full by the Payment Due Date reflected on the statement. For purchases made with your Card, there is at least a 25-day grace period within which the New Balance may be paid without incurring a FINANCE CHARGE. The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to the “Balance Subject to FINANCE CHARGE” which is the “Average Daily Balance” of your Account, including current transactions. The Average Daily Balance is arrived at by taking the beginning balance of your Account each day, adding new cash advances, balance transfers, and convenience checks, and unless you pay your entire Account Balance in full by the Payment Due Date shown on your previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid FINANCE CHARGES. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle. The result is the “Average Daily Balance.” The Periodic Rate portion of the FINANCE CHARGE is determined by multiplying the Average Daily Balance by the number of days in the billing cycle and applying the respective periodic rate to the product. If your periodic rate is computed based on an Index, your periodic rate(s) may vary. If your Account features an Introductory Rate, you will pay an Introductory Rate FINANCE CHARGE for purchases made at the periodic rate and corresponding ANNUAL PERCENTAGE RATE (APR) and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE may vary quarterly. The APR (other than the Introductory APR) is a variable rate determined quarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on our review of your application and creditworthiness) to the Prime Rate (Index). This Index as published in the “Money Rates” column of The Wall Street Journal on the last business day of each calendar quarter. If the last business day of a calendar quarter falls on a weekend or a holiday, then the Index published on the preceding business day for that month will be used. The Index will be applied the first day of your billing cycle that ends in the calendar month following each quarter end. Your account shall generally be reviewed every 12 to 24 months to determine the appropriate margin and credit score range, and as otherwise required by law. Changes to your ANNUAL PERCENTAGE RATE will be applied upon notification in accordance with applicable laws and regulations. The ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, or convenience checks in any given billing cycle, except for any Introductory Rate period, will be the Index plus the margin as set forth in the Additional Disclosure. The ANNUAL PERCENTAGE RATES for purchases, balance transfers, and convenience checks are referred to as the Standard Rate. The daily periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, and convenience checks are set forth in the Additional Disclosure. For all, purchases, cash advances, balance transfers, and convenience checks, the Standard Rate ANNUAL PERCENTAGE RATE will never be greater than 17.90% with a corresponding Standard Rate Daily Periodic Rate of .04904%. Please note that the terms of your account, including any of the ANNUAL PERCENTAGE RATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be in accordance with the Agreement and Disclosure Statement for your account. PENALTY APR: No Penalty APR.

COST OF CREDIT. You will pay a FINANCE CHARGE for all advances made against your Account. FINANCE CHARGES for cash advances, balance transfers, and convenience checks begin to accrue on the date of the advance. New purchases will not incur a FINANCE CHARGE on the date they are posted to your Account if you have paid the Account in full by the Payment Due Date shown on your previous monthly statement or if there was no previous balance. Cash Advances incur a FINANCE CHARGE from the date they are posted to your Account. No additional FINANCE CHARGES will be imposed on new purchases shown on your statement if the New Balance shown on the statement is paid in full by the Payment Due Date reflected on the statement. For purchases made with your Card, there is at least a 25-day grace period within which the New Balance may be paid without incurring a FINANCE CHARGE. The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to the “Balance Subject to FINANCE CHARGE” which is the “Average Daily Balance” of your Account, including current transactions. The Average Daily Balance is arrived at by taking the beginning balance of your Account each day, adding new cash advances, balance transfers, and convenience checks, and unless you pay your entire Account Balance in full by the Payment Due Date shown on your previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid FINANCE CHARGES. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle. The result is the “Average Daily Balance.” The Periodic Rate portion of the FINANCE CHARGE is determined by multiplying the Average Daily Balance by the number of days in the billing cycle and applying the respective periodic rate to the product. If your periodic rate is computed based on an Index, your periodic rate(s) may vary. If your Account features an Introductory Rate, you will pay an Introductory Rate FINANCE CHARGE for purchases made at the periodic rate and corresponding ANNUAL PERCENTAGE RATE (APR) and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE may vary quarterly. The APR (other than the Introductory APR) is a variable rate determined quarterly by adding a margin of 4.657.49% to 14.4013.49%, not to exceed 17.90% APR, (depending on our review of your application and creditworthiness) to the Prime Rate (Index). This Index as published in the “Money Rates” column of The Wall Street Journal on the last business day of each calendar quarter. If the last business day of a calendar quarter falls on a weekend or a holiday, then the Index published on the preceding business day for that month will be used. The Index will be applied the first day of your billing cycle that ends in the calendar month following each quarter end. Your account shall generally be reviewed every 12 to 24 months periodically to determine the appropriate margin and credit score range, and as otherwise required by law. Changes to your ANNUAL PERCENTAGE RATE will be applied upon notification in accordance with applicable laws and regulations. The ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, or convenience checks in any given billing cycle, except for any Introductory Rate period, cycle will be the Index plus the margin as set forth in the Additional Disclosure. The ANNUAL PERCENTAGE RATES for purchases, balance transfers, and convenience checks are referred to as the Standard Rate. The daily periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, and convenience checks are set forth in the Additional Disclosure. For all, purchases, cash advances, balance transfers, and convenience checks, the Standard Rate ANNUAL PERCENTAGE RATE will never be greater than 17.90% with a corresponding Standard Rate Daily Periodic Rate of .04904%. Please note that the terms of your account, including any of the ANNUAL PERCENTAGE RATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be in accordance with the Agreement and Disclosure Statement for your account. PENALTY APR: No Penalty APR.

COST OF CREDIT. You will pay a FINANCE an INTEREST CHARGE for all advances made against your Accountaccount. FINANCE INTEREST CHARGES for cash advances, advances and balance transfers, and convenience checks transfers begin to accrue on the date of the advance. New purchases will not incur a FINANCE an INTEREST CHARGE on the date they are posted to your Account account if you have paid the Account account in full by the Payment Due Date shown on your previous monthly statement statement, or if there was no previous balance. Cash Advances incur a FINANCE CHARGE The Payment Due Date will be no less than 21 days from the billing cycle closing date they are posted to shown on your Accountstatement. No additional FINANCE CHARGES INTEREST CHARGE will be imposed on new purchases shown on your statement if whenever you pay the New Balance shown on the statement is paid account in full by on or before the Payment Due Date reflected on the your statement. For purchases Your periodic rates and corresponding ANNUAL PERCENTAGE RATES are set forth in the Account Opening Disclosures enclosed with and incorporated by reference into this Agreement. If your account features an Introductory Rate, you will pay an Introductory Rate INTEREST CHARGE for all advances made with your Cardat the periodic rate and corresponding ANNUAL PERCENTAGE RATE and for the time period set forth in the Account Opening Disclosures (“Introductory Rate”). Thereafter, or if there is no Introductory Rate, the periodic rate used to compute the INTEREST CHARGE for all advances will be either a non-variable rate or a variable rate based on an index (the “Index”), which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of each month and is subject to change monthly. Any change in the Index will be effective on the first day of the month following the date of the change. An increase in the Index will result in an increase in the periodic rate, which in turn, may result in higher payments. The ANNUAL PERCENTAGE RATE for purchases in any given billing cycle, except for any Introductory Rate or Non-variable Rate period, will be the Index plus the Purchases Base Rate as set forth in the Account Opening Disclosures. The ANNUAL PERCENTAGE RATE for cash advances in any given billing cycle, except for any Introductory Rate or Non-variable Rate Period, will be the Index plus the Cash Advances Base Rate as set forth in the Account Opening Disclosures. The ANNUAL PERCENTAGE RATE for balance transfers in any given billing cycle, except for any Introductory Rate or Non-variable Rate Period will be the Index plus the Purchases Base Rate as set forth in the Account Opening Disclosures. These ANNUAL PERCENTAGE RATES are collectively referred to in this Agreement as the Standard Rate. The initial Standard Rate daily periodic rates and corresponding ANNUAL PERCENTAGE RATES for purchases, cash advances, and balance transfers for your account are set forth in the Account Opening Disclosures. The Standard Rate will never be greater than a Daily Periodic Rate of .049288% with a corresponding ANNUAL PERCENTAGE RATE of 17.99%. In addition to the variable-rate and non-variable rate features of your account, the ANNUAL PERCENTAGE RATE after any introductory period is also based on certain creditworthiness criteria. After your account has been open for at least a 25-day grace period within which the New Balance one year, we may review your credit standing every six months and adjust your periodic rate and corresponding ANNUAL PERCENTAGE RATE by providing you with advance notice in accordance with applicable law. If we adjust your ANNUAL PERCENTAGE RATE based on your credit standing, your Purchases Base Rate and Cash Advances Base Rate will also change or your rate may be paid without incurring changed from a FINANCE CHARGEvariable rate to a non-variable rate or from a non-variable rate to a variable rate. The Periodic Rate We will advise you of these changes in a written change-in-terms notice. Any changes to your rates will only affect balances incurred after the effective date of the change and the new rates may remain in effect indefinitely. Current balances will continue to be subject to the rates in effect before the date of the change. Please refer to your Account Opening Disclosures for the current ANNUAL PERCENTAGE RATES applicable to your Account. A portion of the FINANCE INTEREST CHARGE is figured by applying the periodic rate applicable Daily Periodic Rate to the “Balance Subject to FINANCE CHARGE” which is the “Average Daily Balance” Balance of your AccountAccount for each feature category, including certain current transactions. Feature categories include purchases, balance transfers, and cash advances. The Average Daily Balance is arrived at by taking the beginning balance of each feature category each day and adding any new transactions to the balance, except if you have paid your Account each day, adding new cash advances, balance transfers, and convenience checks, and unless you pay your entire Account Balance in full by the Payment Due Date shown on your the previous monthly statement or there is no previous balance, adding new purchases are not added to the purchases balance. Balance transfers may be shown on your statement in new purchasesthe Promotions feature category. When determining balances, we may combine feature category balances that have the same periodic rate and subtracting other INTEREST CHARGE terms. We then subtract any payments or credits and unpaid FINANCE CHARGESINTEREST CHARGES allocated to the feature category balance for the day. This gives us the daily balancebalance for the feature category. The daily balances for the billing cycle each feature category are then added together and divided by the number of days in the billing cycle. The result is the “Average Daily Balance.” Balance for each feature category. The Periodic Rate portion of the FINANCE periodic INTEREST CHARGE is determined by multiplying the each feature category Average Daily Balance by the number of days in the billing cycle and applying the respective periodic rate applicable Daily Periodic Rate to the product. If your periodic rate is computed based on an Index, your periodic rate(s) may vary. If your Account features an Introductory Rate, you will pay an Introductory Rate FINANCE The total INTEREST CHARGE for purchases made at each statement period is the sum of the periodic rate and corresponding ANNUAL PERCENTAGE RATE (APR) and INTEREST CHARGES for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE may vary quarterly. The APR (other than the Introductory APR) is a variable rate determined quarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on our review of your application and creditworthiness) to the Prime Rate (Index). This Index as published in the “Money Rates” column of The Wall Street Journal on the last business day of each calendar quarter. If the last business day of a calendar quarter falls on a weekend or a holiday, then the Index published on the preceding business day for that month will be used. The Index will be applied the first day of your billing cycle that ends in the calendar month following each quarter end. Your account shall generally be reviewed every 12 to 24 months to determine the appropriate margin and credit score range, and as otherwise required by law. Changes to your ANNUAL PERCENTAGE RATE will be applied upon notification in accordance with applicable laws and regulations. The ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, or convenience checks in feature category plus any given billing cycle, except for any Introductory Rate period, will be the Index plus the margin as set forth in the Additional Disclosure. The ANNUAL PERCENTAGE RATES for purchases, balance transfers, and convenience checks are referred to as the Standard Rate. The daily non-periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, and convenience checks are set forth in the Additional Disclosure. For all, purchases, cash advances, balance transfers, and convenience checks, the Standard Rate ANNUAL PERCENTAGE RATE will never be greater than 17.90% with a corresponding Standard Rate Daily Periodic Rate of .04904%. Please note that the terms of your account, including any of the ANNUAL PERCENTAGE RATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be in accordance with the Agreement and Disclosure Statement for your account. PENALTY APR: No Penalty APRINTEREST CHARGES.

COST OF CREDIT. You will pay a FINANCE CHARGE for all advances made against your Account. FINANCE CHARGES for cash advances, balance transfers, and convenience checks begin to accrue on the date of the advance. New purchases will not incur a FINANCE CHARGE on the date they are posted to your Account if you have paid the Account in full by the Payment Due Date shown on your previous monthly statement or if there was no previous balance. Cash Advances incur a FINANCE CHARGE from the date they are posted to your Account. No additional FINANCE CHARGES will be imposed on new purchases shown on your statement if the New Balance shown on the statement is paid in full by the Payment Due Date reflected on the statement. For purchases made with your Card, there is at least a 25-day grace period within which the New Balance may be paid without incurring a FINANCE CHARGE. The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to the “Balance Subject to FINANCE CHARGE” which is the “Average Daily Balance” of your Account, including current transactions. The Average Daily Balance is arrived at by taking the beginning balance of your Account each day, adding new cash advances, balance transfers, and convenience checks, and unless you pay your entire Account Balance in full by the Payment Due Date shown on your previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid FINANCE CHARGES. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle. The result is the “Average Daily Balance.” The Periodic Rate portion of the FINANCE CHARGE is determined by multiplying the Average Daily Balance by the number of days in the billing cycle and applying the respective periodic rate to the product. If your periodic rate is computed based on an Index, your periodic rate(s) may vary. If your Account features an Introductory Rate, you will pay an Introductory Rate FINANCE CHARGE for purchases made at the periodic rate and corresponding ANNUAL PERCENTAGE RATE (APR) and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE may vary quarterly. The APR (other than the Introductory APR) is a variable rate determined quarterly by adding a margin of 4.657.49% to 14.4013.49%, not to exceed 17.90% APR, (depending on our review of your application and creditworthiness) to the Prime Rate (Index). This Index as published in the “Money Rates” column of The Wall Street Journal on the last business day of each calendar quarter. If the last business day of a calendar quarter falls on a weekend or a holiday, then the Index published on the preceding business day for that month will be used. The Index will be applied the first day of your billing cycle that ends in the calendar month following each quarter end. Your account shall generally be reviewed every 12 to 24 months to determine the appropriate margin and credit score range, and as otherwise required by law. Changes to your ANNUAL PERCENTAGE RATE will be applied upon notification in accordance with applicable laws and regulations. The ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, or convenience checks in any given billing cycle, except for any Introductory Rate period, cycle will be the Index plus the margin as set forth in the Additional Disclosure. The ANNUAL PERCENTAGE RATES for purchases, balance transfers, and convenience checks are referred to as the Standard Rate. The daily periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, and convenience checks are set forth in the Additional Disclosure. For all, purchases, cash advances, balance transfers, and convenience checks, the Standard Rate ANNUAL PERCENTAGE RATE will never be greater than 17.90% with a corresponding Standard Rate Daily Periodic Rate of .04904%. Please note that the terms of your account, including any of the ANNUAL PERCENTAGE RATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be in accordance with the Agreement and Disclosure Statement for your account. PENALTY APR: No Penalty APR.

COST OF CREDIT. You will pay a FINANCE CHARGE for all advances made against your Account. FINANCE CHARGES for cash advances, advances and balance transfers, and convenience checks transfers begin to accrue on the date of the advance. New purchases will not incur a FINANCE CHARGE on the date they are posted to your Account if you have paid the Account in full by the Payment Due Date shown on your previous monthly statement statement, or if there was no previous balance. Cash Advances incur a The periodic rate used to compute the FINANCE CHARGE from the date they are posted is .027123% per day, which corresponds to your Account. No additional FINANCE CHARGES will be imposed on new purchases shown on your statement if the New Balance shown on the statement is paid in full by the Payment Due Date reflected on the statement. For purchases made with your Card, there is at least a 25-day grace period within which the New Balance may be paid without incurring a FINANCE CHARGE. an ANNUAL PERCENTAGE RATE of 9.90% The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to the “Balance Subject to FINANCE CHARGE” which is the “Average Daily Balance” of your Account, including current transactions. The Average Daily Balance is arrived at by taking the beginning balance of your Account each day, adding in any new cash advances, balance transfers, and convenience checks, and unless you pay your entire Account Balance in full by the Payment Due Date shown on your the previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid FINANCE CHARGESCHARGE. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle. The result is the “Average Daily Balance.” . The Periodic Rate portion of the FINANCE CHARGE is determined by multiplying the Average Daily Balance by the number of days in the billing cycle and applying the respective periodic rate to the product. If No additional FINANCE CHARGES will be imposed on new purchases shown on your periodic rate statement if the New Balance shown on the statement is computed based paid in full by the Payment Due Date reflected on an Index, your periodic rate(s) may vary. If your Account features an Introductory Rate, you will pay an Introductory Rate FINANCE CHARGE for purchases made at the periodic rate and corresponding ANNUAL PERCENTAGE RATE (APR) and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE may vary quarterlystatement. The APR (other Payment Due Date is not less than 25 days from the Introductory APR) is a variable rate determined quarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on our review of your application and creditworthiness) to the Prime Rate (Index). This Index as published in the “Money Rates” column of The Wall Street Journal on the last business day of each calendar quarter. If the last business day of a calendar quarter falls on a weekend or a holiday, then the Index published on the preceding business day for that month will be used. The Index will be applied the first day of your billing cycle that ends in the calendar month following each quarter end. Your account shall generally be reviewed every 12 to 24 months to determine the appropriate margin and credit score range, and as otherwise required by law. Changes to closing date shown on your ANNUAL PERCENTAGE RATE will be applied upon notification in accordance with applicable laws and regulations. The ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, or convenience checks in any given billing cycle, except for any Introductory Rate period, will be the Index plus the margin as set forth in the Additional Disclosure. The ANNUAL PERCENTAGE RATES for purchases, balance transfers, and convenience checks are referred to as the Standard Rate. The daily periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, and convenience checks are set forth in the Additional Disclosure. For all, purchases, cash advances, balance transfers, and convenience checks, the Standard Rate ANNUAL PERCENTAGE RATE will never be greater than 17.90% with a corresponding Standard Rate Daily Periodic Rate of .04904%. Please note that the terms of your account, including any of the ANNUAL PERCENTAGE RATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be in accordance with the Agreement and Disclosure Statement for your account. PENALTY APR: No Penalty APRstatement.

COST OF CREDIT. You will pay a FINANCE an INTEREST CHARGE for all advances made against your Accountaccount. FINANCE INTEREST CHARGES for cash advances, advances and balance transfers, and convenience checks transfers begin to accrue on the date of the advance. New purchases will not incur a FINANCE an INTEREST CHARGE on the date they are posted to your Account account if you have paid the Account account in full by the Payment Due Date shown on your previous monthly statement statement, or if there was no previous balance. Cash Advances incur a FINANCE CHARGE The Payment Due Date will be not less than 25 days from the billing cycle closing date they are posted to shown on your Accountstatement. No additional FINANCE CHARGES INTEREST CHARGE will be imposed on new purchases shown on your statement if whenever you pay the New Balance shown on the statement is paid account in full by on or before the Payment Due Date reflected on the your statement. For purchases Your periodic rates and corresponding ANNUAL PERCENTAGE RATES are set forth in the Account Opening Disclosures enclosed with and incorporated by reference into this Agreement. If your account features an Introductory Rate, you will pay an Introductory Rate INTEREST CHARGE for all advances made with your Cardat the periodic rate and corresponding ANNUAL PERCENTAGE RATE and for the time period set forth in the Account Opening Disclosures (“Introductory Rate”). Thereafter, or if there is no Introductory Rate, the periodic rate used to compute the INTEREST CHARGE for all advances will be either a non-variable rate or a variable rate based on an index (the “Index”), which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of each month and is subject to change monthly. Any change in the Index will be effective on the first day of the month following the date of the change. An increase in the Index will result in an increase in the periodic rate, which in turn, may result in higher payments. The ANNUAL PERCENTAGE RATE for purchases in any given billing cycle, except for any Introductory Rate or Non-variable Rate period, will be the Index plus the Purchases Base Rate as set forth in the Account Opening Disclosures. The ANNUAL PERCENTAGE RATE for cash advances and balance transfers in any given billing cycle, except for any Introductory Rate or Non-variable Rate Period, will be the Index plus the Cash Advances Base Rate as set forth in the Account Opening Disclosures. These ANNUAL PERCENTAGE RATES are collectively referred to in this Agreement as the Standard Rate. The initial Standard Rate daily periodic rates and corresponding ANNUAL PERCENTAGE RATES for purchases, cash advances, and balance transfers for your account are set forth in the Account Opening Disclosures. The Standard Rate will never be greater than a Daily Periodic Rate of .049288% with a corresponding ANNUAL PERCENTAGE RATE of 17.99%. In addition to the variable-rate and non-variable rate features of your account, the ANNUAL PERCENTAGE RATE after any introductory period is also based on certain creditworthiness criteria. After your account has been open for at least a 25-day grace period within which the New Balance one year, we may review your credit standing every six months and adjust your periodic rate and corresponding ANNUAL PERCENTAGE RATE by providing you with advance notice in accordance with applicable law. If we adjust your ANNUAL PERCENTAGE RATE based on your credit standing, your Purchases Base Rate and Cash Advances Base Rate will also change or your rate may be paid without incurring changed from a FINANCE CHARGEvariable rate to a non-variable rate or from a non-variable rate to a variable rate. The Periodic Rate We will advise you of these changes in a written change-in-terms notice. Any changes to your rates will only affect balances incurred after the effective date of the change and the new rates may remain in effect indefinitely. Current balances will continue to be subject to the rates in effect before the date of the change. Please refer to your Account Opening Disclosures for the current ANNUAL PERCENTAGE RATES applicable to your Account. A portion of the FINANCE INTEREST CHARGE is figured by applying the periodic rate applicable Daily Periodic Rate to the “Balance Subject to FINANCE CHARGE” which is the “Average Daily Balance” Balance of your AccountAccount for each feature category, including certain current transactions. Feature categories include purchases, balance transfers, and cash advances. The Average Daily Balance is arrived at by taking the beginning balance of each feature category each day and adding any new transactions to the balance, except if you have paid your Account each day, adding new cash advances, balance transfers, and convenience checks, and unless you pay your entire Account Balance in full by the Payment Due Date shown on your the previous monthly statement or there is no previous balance, adding new purchases are not added to the purchases balance. Balance transfers may be shown on your statement in new purchasesthe Promotions feature category. When determining balances, we may combine feature category balances that have the same periodic rate and subtracting other INTEREST CHARGE terms. We then subtract any payments or credits and unpaid FINANCE CHARGESINTEREST CHARGES allocated to the feature category balance for the day. This gives us the daily balancebalance for the feature category. The daily balances for the billing cycle each feature category are then added together and divided by the number of days in the billing cycle. The result is the “Average Daily Balance.” Balance for each feature category. The Periodic Rate portion of the FINANCE periodic INTEREST CHARGE is determined by multiplying the each feature category Average Daily Balance by the number of days in the billing cycle and applying the respective periodic rate applicable Daily Periodic Rate to the product. If your periodic rate is computed based on an Index, your periodic rate(s) may vary. If your Account features an Introductory Rate, you will pay an Introductory Rate FINANCE The total INTEREST CHARGE for purchases made at each statement period is the sum of the periodic rate and corresponding ANNUAL PERCENTAGE RATE (APR) and INTEREST CHARGES for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE may vary quarterly. The APR (other than the Introductory APR) is a variable rate determined quarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on our review of your application and creditworthiness) to the Prime Rate (Index). This Index as published in the “Money Rates” column of The Wall Street Journal on the last business day of each calendar quarter. If the last business day of a calendar quarter falls on a weekend or a holiday, then the Index published on the preceding business day for that month will be used. The Index will be applied the first day of your billing cycle that ends in the calendar month following each quarter end. Your account shall generally be reviewed every 12 to 24 months to determine the appropriate margin and credit score range, and as otherwise required by law. Changes to your ANNUAL PERCENTAGE RATE will be applied upon notification in accordance with applicable laws and regulations. The ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, or convenience checks in feature category plus any given billing cycle, except for any Introductory Rate period, will be the Index plus the margin as set forth in the Additional Disclosure. The ANNUAL PERCENTAGE RATES for purchases, balance transfers, and convenience checks are referred to as the Standard Rate. The daily non-periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, and convenience checks are set forth in the Additional Disclosure. For all, purchases, cash advances, balance transfers, and convenience checks, the Standard Rate ANNUAL PERCENTAGE RATE will never be greater than 17.90% with a corresponding Standard Rate Daily Periodic Rate of .04904%. Please note that the terms of your account, including any of the ANNUAL PERCENTAGE RATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be in accordance with the Agreement and Disclosure Statement for your account. PENALTY APR: No Penalty APRINTEREST CHARGES.

COST OF CREDIT. You will pay a FINANCE CHARGE for all advances made against your Account. FINANCE CHARGES for cash advances, advances and balance transfers, and convenience checks transfers begin to accrue on the date of the advance. New purchases will not incur a FINANCE CHARGE on the date they are posted to your Account if you have paid the Account in full by the Payment Due Date shown on your previous monthly statement statement, or if there was no previous balance. Cash Advances incur a The periodic rate used to compute the FINANCE CHARGE from the date they are posted is .027123% per day, which corresponds to your Account. No additional FINANCE CHARGES will be imposed on new purchases shown on your statement if the New Balance shown on the statement is paid in full by the Payment Due Date reflected on the statement. For purchases made with your Card, there is at least a 25-day grace period within which the New Balance may be paid without incurring a FINANCE CHARGE. an ANNUAL PERCENTAGE RATE of 9.90% The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to the “Balance Subject to FINANCE CHARGE” which is the “Average Daily Balance” of your Account, including current transactions. The Average Daily Balance is arrived at by taking the beginning balance of your Account each day, adding in any new cash advances, balance transfers, and convenience checks, and unless you pay your entire Account Balance in full by the Payment Due Date shown on your the previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid FINANCE CHARGESCHARGE. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle. The result is the “Average Daily Balance.” . The Periodic Rate portion of the FINANCE CHARGE is determined by multiplying multi-plying the Average Daily Balance by the number of days in the billing cycle and applying the respective periodic rate to the product. If your periodic rate is computed based on an IndexFreestone Credit Union • Xxxxxx, your periodic rate(s) may vary. If your Account features an Introductory Rate, you will pay an Introductory Rate FINANCE CHARGE for purchases made at the periodic rate and corresponding ANNUAL PERCENTAGE RATE (APR) and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE may vary quarterly. The APR (other than the Introductory APR) is a variable rate determined quarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on our review of your application and creditworthiness) to the Prime Rate (Index). This Index as published in the “Money Rates” column of The Wall Street Journal on the last business day of each calendar quarter. If the last business day of a calendar quarter falls on a weekend or a holiday, then the Index published on the preceding business day for that month will be used. The Index will be applied the first day of your billing cycle that ends in the calendar month following each quarter end. Your account shall generally be reviewed every 12 to 24 months to determine the appropriate margin and credit score range, and as otherwise required by law. Changes to your ANNUAL PERCENTAGE RATE will be applied upon notification in accordance with applicable laws and regulations. The ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, or convenience checks in any given billing cycle, except for any Introductory Rate period, will be the Index plus the margin as set forth in the Additional Disclosure. The ANNUAL PERCENTAGE RATES for purchases, balance transfers, and convenience checks are referred to as the Standard Rate. The daily periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, and convenience checks are set forth in the Additional Disclosure. For all, purchases, cash advances, balance transfers, and convenience checks, the Standard Rate ANNUAL PERCENTAGE RATE will never be greater than 17.90% with a corresponding Standard Rate Daily Periodic Rate of .04904%. Please note that the terms of your account, including any of the ANNUAL PERCENTAGE RATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be in accordance with the Texas • xxx.XxxxxxxxxXX.xxx • Rev. 03/2018 2 | Page Credit Card Agreement and Disclosure Statement for and Application No additional FINANCE CHARGES will be imposed on new purchases shown on your accountstatement if the New Balance shown on the statement is paid in full by the Payment Due Date reflected on the statement. PENALTY APR: No Penalty APRThe Payment Due Date is not less than 25 days from the billing cycle closing date shown on your statement.

COST OF CREDIT. You will pay a FINANCE CHARGE for all advances made against your Account. FINANCE CHARGES for cash advances, balance transfers, and convenience checks advances begin to accrue on the date of the advance. New purchases will not incur a FINANCE CHARGE on the date they are posted to your Account if you have paid the Account in full by the Payment Due Date shown on your previous monthly statement statement, or if there was no previous balance. Cash Advances incur a FINANCE CHARGE The Payment Due Date will be not less than 25 days from the billing cycle closing date they are posted to shown on your Accountstatement. No additional FINANCE CHARGES CHARGE will be imposed on new purchases shown on your statement if whenever you pay the New Balance shown on the statement is paid Account in full by on or before the Payment Due Date reflected on the your statement. For purchases made with your CardMasterCard Platinum Account, there the periodic rate used to compute the FINANCE CHARGE is at least a 25-day grace period within 0.021918% per day, which corresponds to an ANNUAL PERCENTAGE RATE of 8.00%. For your MasterCard Gold Account, the New Balance may be paid without incurring a periodic rate used to compute the FINANCE CHARGECHARGE is 0.027397% per day, which corresponds to an ANNUAL PERCENTAGE RATE of 10.00%. For your MasterCard Standard Account, the periodic rate used to compute the FINANCE CHARGE is 0.041096% per day, which corresponds to an ANNUAL PERCENTAGE RATE of 15.00%. The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to the “Balance Subject to FINANCE CHARGE” which is the “Average Daily Balance” of your Account, including certain current transactions. The Average Daily Balance is arrived at by taking the beginning balance of your Account each day, adding in any new cash advances, balance transfers, and convenience checks, and unless you pay your entire Account Balance in full by the Payment Due Date shown on your the previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid FINANCE CHARGES. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle. The result is the “Average Daily Balance.” . The Periodic Rate portion of the FINANCE CHARGE is determined by multiplying the Average Daily Balance by the number of days in the billing cycle and applying the respective periodic rate to the product. If No additional FINANCE CHARGES will be imposed on new purchases shown on your periodic rate statement if the New Balance shown on the statement is computed based paid in full by the Payment Due Date reflected on an Indexthe statement. The Payment Due Date is not less than 25 days from the billing cycle closing date shown on your statement. LIABILITY FOR UNAUTHORIZED USE [MasterCard Issuers]: You may be liable for the unauthorized use of your Card. You will not be liable for any unauthorized use of your Card if you notify us orally or in writing at the Credit Card Center, PO Box 815909, Dallas, TX 00000-0000, telephone number (000) 000-0000, of the loss, theft, or possible unauthorized use and you meet the following conditions: (i) you have exercised reasonable care with the Card; (ii) you have not reported two or more incidents of unauthorized Card use within the previous 12 months; and (iii) you have maintained your Account in good standing. The foregoing liability limitation does not apply to ATM cash advance transactions. In any case, your periodic rate(s) may vary. If your Account features an Introductory Rate, maximum liability for unauthorized use of the Card will not exceed $50 and you will pay an Introductory Rate FINANCE CHARGE not be liable for purchases made any unauthorized use that occurs after you notify us (or our designee) at the periodic rate and corresponding ANNUAL PERCENTAGE RATE (APR) and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE may vary quarterly. The APR (other than the Introductory APR) is a variable rate determined quarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on our review of your application and creditworthiness) to the Prime Rate (Index). This Index as published in the “Money Rates” column of The Wall Street Journal on the last business day of each calendar quarter. If the last business day of a calendar quarter falls on a weekend address or a holiday, then the Index published on the preceding business day for that month will be used. The Index will be applied the first day of your billing cycle that ends in the calendar month following each quarter end. Your account shall generally be reviewed every 12 to 24 months to determine the appropriate margin and credit score range, and as otherwise required by law. Changes to your ANNUAL PERCENTAGE RATE will be applied upon notification in accordance with applicable laws and regulations. The ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, or convenience checks in any given billing cycle, except for any Introductory Rate period, will be the Index plus the margin as set forth in the Additional Disclosure. The ANNUAL PERCENTAGE RATES for purchases, balance transfers, and convenience checks are referred to as the Standard Rate. The daily periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, and convenience checks are set forth in the Additional Disclosure. For all, purchases, cash advances, balance transfers, and convenience checks, the Standard Rate ANNUAL PERCENTAGE RATE will never be greater than 17.90% with a corresponding Standard Rate Daily Periodic Rate of .04904%. Please note that the terms of your account, including any of the ANNUAL PERCENTAGE RATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be in accordance with the Agreement and Disclosure Statement for your account. PENALTY APR: No Penalty APRtelephone number above.

COST OF CREDIT. You will pay a FINANCE an INTEREST CHARGE for all advances made against your Account. FINANCE The INTEREST CHARGE may include, as applicable, a periodic INTEREST CHARGE on your Account balances and Foreign Transaction Fees for international transactions. Periodic INTEREST CHARGES for cash advances, balance transfers, and convenience checks advances begin to accrue on the date of the advance. New purchases will not incur a FINANCE CHARGE on the date they are posted to your Account if you have paid the Account or the first day of the billing cycle in full by the Payment Due Date shown on your previous monthly statement or if there was no previous balance. Cash Advances incur a FINANCE CHARGE from the date which they are posted to your Account, whichever is later, and there is no grace period. No additional FINANCE Purchases of financial instruments, such as money orders, and other financial transactions, such as wire transfers, with your Card are treated as cash advances. New purchases (including balance transfers) will qualify for a grace period and will not be subject to periodic INTEREST CHARGES will be imposed on new purchases shown until the first day of the next billing cycle if the Previous Balance on your statement if the New Balance shown on the statement is (i) zero, (ii) reflects a credit balance, or (iii) was paid in full by the Payment Due Date reflected on the your immediately preceding monthly statement. For new purchases made with your Cardthat qualify for a grace period, there is at least a 25-day grace period within which you will pay no periodic INTEREST CHARGES on those new purchases if you pay the New Balance may be paid without incurring a FINANCE CHARGE. The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to the “Balance Subject to FINANCE CHARGE” which is the “Average Daily Balance” of your Account, including current transactions. The Average Daily Balance is arrived at by taking the beginning balance of your Account each day, adding new cash advances, balance transfers, and convenience checks, and unless you pay your entire Account Balance in full by the Payment Due Date shown on your previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid FINANCE CHARGES. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by statement on which those new purchases first appear. For new purchases that do not qualify for a grace period, INTEREST CHARGES will begin to accrue on the number date the advance is posted to your Account. Prior to the expiration of days any grace period, if you do not pay the New Balance in the billing cycle. The result is the “Average Daily Balance.” The Periodic Rate full, but pay a portion of the FINANCE CHARGE is determined by multiplying the Average Daily New Balance by the number of days in the billing cycle and applying the respective periodic rate to the product. If your periodic rate is computed based on an Index, your periodic rate(s) may vary. If your Account features an Introductory RatePayment Due Date for that monthly statement, you will pay an Introductory Rate FINANCE CHARGE for no periodic INTEREST CHARGES on the purchases made at portion of the New Balance paid, but you will pay periodic rate and corresponding ANNUAL PERCENTAGE RATE (APR) and for interest charges on the time period set forth. Thereafter, purchases portion of the ANNUAL PERCENTAGE RATE may vary quarterlyNew Balance that remains unpaid. The APR (other than the Introductory APR) is a variable rate determined quarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on our review of your application and creditworthiness) to the Prime Rate (Index). This Index as published in the “Money Rates” column of The Wall Street Journal on the last business day of each calendar quarter. If the last business day of a calendar quarter falls on a weekend or a holiday, then the Index published on the preceding business day for that month Payment Due Date will be used. The Index will be applied the first day of no less than 25 days after we have sent you your billing cycle that ends in the calendar month following each quarter end. Your account shall generally be reviewed every 12 to 24 months to determine the appropriate margin and credit score range, and as otherwise required by law. Changes to your ANNUAL PERCENTAGE RATE will be applied upon notification in accordance with applicable laws and regulations. The ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, or convenience checks in any given billing cycle, except for any Introductory Rate period, will be the Index plus the margin as set forth in the Additional Disclosure. The ANNUAL PERCENTAGE RATES for purchases, balance transfers, and convenience checks are referred to as the Standard Rate. The daily periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, and convenience checks are set forth in the Additional Disclosure. For all, purchases, cash advances, balance transfers, and convenience checks, the Standard Rate ANNUAL PERCENTAGE RATE will never be greater than 17.90% with a corresponding Standard Rate Daily Periodic Rate of .04904%. Please note that the terms of your account, including any of the ANNUAL PERCENTAGE RATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be in accordance with the Agreement and Disclosure Statement for your account. PENALTY APR: No Penalty APRcurrent monthly statement.

COST OF CREDIT. You will pay a FINANCE CHARGE for all advances made against your Account. FINANCE CHARGES for cash advances, balance transfers, and convenience checks begin to accrue on the date of the advance. New purchases will not incur a FINANCE CHARGE on CHARGEon the date they are posted to your Account if you have paid the Account in full by the Payment Due Date shown on your previous monthly statement or if there was no previous balance. Cash Advances incur a FINANCE CHARGE from the date they are posted to your Account. No additional FINANCE CHARGES will be imposed on new purchases shown on your statement if statementif the New Balance shown on the statement is paid in full by the Payment Due Date reflected on the statement. For purchases made with your Card, there is at least a 25-day grace period within which withinwhich the New Balance may be paid without incurring a FINANCE CHARGE. The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to the “Balance Subject to FINANCE CHARGE” which is the “Average Daily Balance” of your Account, including current transactions. The Average Daily Balance is arrived at by taking the beginning balance of your Account each day, adding new cash advances, balance transfers, and convenience andconvenience checks, and unless you pay your entire Account Balance in full by the Payment Due Date DueDate shown on your previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid FINANCE CHARGES. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by dividedby the number of days in the billing cycle. The result is the “Average Daily Balance.” The Periodic Rate PeriodicRate portion of the FINANCE CHARGE is determined by multiplying the Average Daily Balance by the number of days in the billing cycle and applying the respective periodic rate to the product. .If your periodic rate is computed based on an Index, your periodic rate(s) may vary. If your Account features an Introductory Rate, you will pay an Introductory Rate FINANCE CHARGE for purchases made at the periodic rate and corresponding ANNUAL PERCENTAGE RATE (APR) and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE may vary quarterly. The APR (other than the Introductory APR) is a variable rate determined quarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on our review ourreview of your application and creditworthiness) to the Prime Rate (Index). This Index as published in the “Money Rates” column of The Wall Street Journal on the last business day of each calendar quarter. If the last business day of a calendar quarter falls on a weekend or a holiday, then the Index published on the preceding business day for that month will be used. The Index will be applied the first day of your billing cycle that ends in the calendar month following each quarter end. Your account shall generally be reviewed every 12 to 24 months to determine todetermine the appropriate margin and credit score range, and as otherwise required by law. Changes to your ANNUAL PERCENTAGE RATE will be applied upon notification in accordance with applicable laws and regulations. The ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, or convenience checks in any given billing cycle, except for any Introductory Rate period, will be the Index plus the margin as set forth in the Additional Disclosure. The ANNUAL PERCENTAGE RATES for purchases, balance transfers, and convenience checks are referred to as the Standard Rate. The daily periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, and convenience checks are set forth in the Additional Disclosure. For all, purchases, cash advances, balance transfers, and convenience checks, the Standard Rate ANNUAL PERCENTAGE RATE will never be greater than 17.90% with a corresponding Standard Rate Daily Periodic Rate of .04904%. Please note that the terms of your account, including any of the ANNUAL PERCENTAGE RATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be in accordance with the Agreement and Disclosure Statement for your account. PENALTY APR: No Penalty APR.

COST OF CREDIT. You will pay a FINANCE CHARGE “Finance Charge” for all advances made against your Account. FINANCE CHARGES The Finance Charge may include, as applicable, a periodic interest charge on your Account balances, certain transaction-based fees, and a minimum interest charge, under certain circumstances. Periodic interest charges for cash advances, advances and balance transfers, and convenience checks transfers begin to accrue on the date of the advance. New purchases will not incur periodic interest charges until the start of the next billing cycle if your Previous Balance was (1) zero, (2) a FINANCE CHARGE on the date they are posted to your Account if you have paid the Account in full by the Payment Due Date shown on your previous monthly statement credit balance, or if there was no previous balance. Cash Advances incur a FINANCE CHARGE from the date they are posted to your Account. No additional FINANCE CHARGES will be imposed on new purchases shown on your statement if the New Balance shown on the statement is (3) paid in full by the Payment Due Date reflected on the your previous monthly statement. For You will pay no periodic interest charges on these new purchases made with your Card, there is at least a 25-day grace period within which if you pay the New Balance may be paid without incurring a FINANCE CHARGE. The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to the “Balance Subject to FINANCE CHARGE” which is the “Average Daily Balance” of your Account, including current transactions. The Average Daily Balance is arrived at by taking the beginning balance of your Account each day, adding new cash advances, balance transfers, and convenience checks, and unless you pay your entire Account Balance in full by the Payment Due Date shown on your previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid FINANCE CHARGES. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by statement on which these new purchases first appear. Prior to the number expiration of days the grace period, if you do not pay the New Balance in the billing cycle. The result is the “Average Daily Balance.” The Periodic Rate full, but pay a portion of the FINANCE CHARGE is determined by multiplying the Average Daily New Balance by the number of days in the billing cycle and applying the respective periodic rate to the product. If your periodic rate is computed based on an Index, your periodic rate(s) may vary. If your Account features an Introductory RatePayment Due Date for that monthly statement, you will pay an Introductory Rate FINANCE CHARGE no periodic interest charges on the portion of the New Balance paid, but will pay periodic interest charges on the amount of the New Balance that remains unpaid. The Payment Due Date will be no less than 21 days after we have sent you your current monthly statement. STANDARD RATES: Your standard Daily Periodic Rates for purchases made at the periodic rate purchases, balance transfers, and cash advances (and corresponding ANNUAL PERCENTAGE RATE RATES (APR“APRs”)) are non-variable rates as shown in the Account Opening Disclosure included with this Agreement (“Standard Rates”), and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE may vary quarterlyare calculated by adding together an index and a “Margin”. The APR (other than “Index” is adjusted each month to equal the Introductory APR) is a variable rate determined quarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on our review of your application and creditworthiness) to the U.S. Prime Rate (Index). This Index as published in the “Money Rates” column section of The Wall Street Journal on the last business 15th day of each calendar quartermonth (the “index determination date”). If the last business day of a calendar quarter falls on a weekend or a holiday, then the Index published more than one U.S. Prime Rate is listed in that publication on the preceding business day for that month the U.S. Prime Rate is determined under this Agreement, the average of the published rates will be used. The An increase or decrease in the Index will be applied cause a corresponding increase or decrease in your variable rate on the first day of your billing cycle that ends begins in the calendar same month following each quarter endas the index determination date. Your account shall generally be reviewed every 12 An increase in the Index means that you will pay higher periodic interest charges and have a higher Minimum Payment Due. If, at any time, The Wall Street Journal ceases to 24 months publish the U.S. Prime Rate, we will select a new index that is based on comparable information. When a change in an applicable variable APR takes effect, we will apply it to determine the appropriate margin any existing balances, subject to any promotional rate that may apply. • The APR for purchases and credit score range, and as otherwise required by law. Changes to your ANNUAL PERCENTAGE RATE will be applied upon notification in accordance with applicable laws and regulations. The ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, or convenience checks transfers in any given billing cycle, except for any Introductory Rate applicable introductory or promotional rate period, will be the Index plus the margin a Purchase Margin, as set forth in the Additional Account Opening Disclosure. • The ANNUAL PERCENTAGE RATES APR for cash advances in any given billing cycle, except for any applicable introductory or promotional rate period, will be the Index plus a Cash Advance Margin, as set forth in the Account Opening Disclosure. If your Account has one or more special Introductory Rates, each rate is also listed on the Account Opening Disclosure. From time to time, we may send you offers to make purchases, balance transfers, or cash advances at special rates, which are “Promotional Offers.” The APRs and convenience checks are referred any other special terms will be disclosed to as you in the Standard RatePromotional Offer material. The daily periodic rate PENALTY APR: You will trigger the penalty APR if you fail to pay at least the Minimum Payment Due reflected on your monthly statement by the Payment Due Date shown on that statement (a “Late Payment”). Before the Daily Periodic Rate and corresponding ANNUAL PERCENTAGE RATE APR for purchases, cash advances, balance transfers, and convenience checks are set forth in the Additional Disclosure. For all, purchases, cash advances, balance transfers, and convenience checks, the Standard Rate ANNUAL PERCENTAGE RATE any type of transaction will never be greater than 17.90% with increase to a corresponding Standard Rate penalty Daily Periodic Rate of .04904[0.04931%. Please note ], which has a corresponding APR of [18.00]% (the “Penalty APR”), we will provide you any notice required by law in advance that the terms of your account, including any of the ANNUAL PERCENTAGE RATES, tells you which future transactions and/or outstanding balances are subject to changethe Penalty APR and when the APRs will increase. Future If we do not increase your APRs to the Penalty APR when you make a Late Payment, we reserve our right to increase your APRs to the Penalty APR if you make a Late Payment again in the future. If your APRs are increased on any type of transaction for a Late Payment, the Penalty APR will be applicable indefinitely to future transactions of that type that occur more than 14 days after we provide you notice about the APR increase. If we do not receive any Minimum Payment Due within 60 days of the Payment Due Date, the Penalty APR will be applicable to all outstanding balances and future transactions on your Account. However, if we receive six (6) consecutive Minimum Payments Due by the Payment Due Date beginning with the first Payment Due Date after the effective date of the increase, we will stop applying the Penalty APR to transactions that occurred prior to or within 14 days after we provided you notice about the APR increase. For balances that we stop applying the Penalty APR to, we will apply APRs that would have applied at that date if the Penalty APR had never been applicable. See the “Change in Terms” section of this Agreement about our rights to increase APRs and make other changes to the ANNUAL PERCENTAGE RATES will be in accordance with the Agreement and Disclosure Statement your Account for your account. PENALTY APR: No Penalty APRany reason.

COST OF CREDIT. You will pay a FINANCE CHARGE for all cash advances made against your Account. FINANCE CHARGES for cash advances, balance transfers, and convenience checks advances begin to accrue on the date of the advance. New purchases will not incur a FINANCE CHARGE on the date they are posted to your Account if you have paid the Account in full by the Payment Due Date shown on your previous monthly statement statement, or if there was no previous balance. Cash Advances incur Until the first day of the billing cycle that includes the 7-month anniversary date of the opening of your Account, you will pay a FINANCE CHARGE from for purchases made at the Introductory Rate daily periodic rate of 0.00545%, which has a corresponding ANNUAL PERCENTAGE RATE of 1.99%. Thereafter, the periodic rate used to compute the INTEREST CHARGE for purchases is based on an index (the "Index"), which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly on the first day of each month. Any change in the Index will be effective on the first day of the billing cycle that ends on or after the date they are posted of the change. The applicable periodic rate used to your Accountcompute the FINANCE CHARGE is based on the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of the month and is subject to change monthly on the first day of each month. No additional FINANCE CHARGES Any change in the Index will be imposed on new purchases shown on your statement if the New Balance shown effective on the statement is paid first day of the billing cycle that ends on or after the date of the change. An increase in full by the Payment Due Date reflected on Index will result in an increase in the statement. For purchases made with your Cardperiodic rate which, there is at least a 25-day grace period within which the New Balance in turn, may be paid without incurring a FINANCE CHARGEresult in higher payments. The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to the “Balance Subject to FINANCE CHARGE” which is the “Average Daily Balance” of your Account, including current transactions. The Average Daily Balance is arrived at by taking the beginning balance of your Account each day, adding in any new cash advances, balance transfers, and convenience checks, and unless you pay your entire Account Balance in full by the Payment Due Date shown on your the previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid FINANCE CHARGESCHARGE. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle. The result is the “Average Daily Balance.” . The Periodic Rate portion of the FINANCE CHARGE is determined by multiplying the Average Daily Balance by the number of days in the billing cycle and applying the respective periodic rate to the product. If No additional FINANCE CHARGES will be imposed on new purchases shown on your periodic rate statement if the New Balance shown on the statement is computed based paid in full by the Payment Due Date reflected on an Index, your periodic rate(s) may vary. If your Account features an Introductory Rate, you will pay an Introductory Rate FINANCE CHARGE for purchases made at the periodic rate and corresponding ANNUAL PERCENTAGE RATE (APR) and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE may vary quarterlystatement. The APR (other Payment Due Date is not less than 25 days from the Introductory APR) is a variable rate determined quarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on our review of your application and creditworthiness) to the Prime Rate (Index). This Index as published in the “Money Rates” column of The Wall Street Journal on the last business day of each calendar quarter. If the last business day of a calendar quarter falls on a weekend or a holiday, then the Index published on the preceding business day for that month will be used. The Index will be applied the first day of your billing cycle that ends in the calendar month following each quarter end. Your account shall generally be reviewed every 12 to 24 months to determine the appropriate margin and credit score range, and as otherwise required by law. Changes to closing date shown on your ANNUAL PERCENTAGE RATE will be applied upon notification in accordance with applicable laws and regulations. The ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, or convenience checks in any given billing cycle, except for any Introductory Rate period, will be the Index plus the margin as set forth in the Additional Disclosure. The ANNUAL PERCENTAGE RATES for purchases, balance transfers, and convenience checks are referred to as the Standard Rate. The daily periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases, cash advances, balance transfers, and convenience checks are set forth in the Additional Disclosure. For all, purchases, cash advances, balance transfers, and convenience checks, the Standard Rate ANNUAL PERCENTAGE RATE will never be greater than 17.90% with a corresponding Standard Rate Daily Periodic Rate of .04904%. Please note that the terms of your account, including any of the ANNUAL PERCENTAGE RATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be in accordance with the Agreement and Disclosure Statement for your account. PENALTY APR: No Penalty APRstatement.

COST OF CREDIT. You will pay a FINANCE CHARGE for all advances made against your Account. FINANCE CHARGES for cash advances, advances and balance transfers, and convenience checks transfers begin to accrue on the date of the advance. New purchases will not incur a FINANCE CHARGE on the date they are posted to your Account if you have paid the Account in full by the Payment Due Date shown on your previous monthly statement or if there was no previous balance. Cash Advances incur a FINANCE CHARGE from the date they are posted to your Account. No additional FINANCE CHARGES will be imposed on new purchases shown on your statement if the New Balance shown on the statement is paid in full by the Payment Due Date reflected on the statement. For purchases made with your Card, there is at least a 25-day grace period within which the New Balance may be paid without incurring a FINANCE CHARGE. The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to the “Balance Subject to FINANCE CHARGE” which is the “Average Daily Balance” of your Account, including current transactions. The Average Daily Balance is arrived at by taking the beginning balance of your Account each day, adding new cash advances, advances and balance transfers, and convenience checks, and unless you pay your entire Account Balance in full by the Payment Due Date shown on your previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid FINANCE CHARGES. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle. The result is the “Average Daily Balance.” The Periodic Rate portion of the FINANCE CHARGE is determined by multiplying the Average Daily Balance by the number of days in the billing cycle and applying the respective periodic rate to the product. If your periodic rate is computed based on an Index, your periodic rate(s) may vary. If your Account features an Introductory Rate, you will pay an Introductory Rate FINANCE CHARGE for purchases made at the periodic rate and corresponding ANNUAL PERCENTAGE RATE (APR) and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE may vary quarterly. The APR (other than the Introductory APR) is a variable rate determined quarterly by adding a margin of 4.65% to 14.40%, not to exceed 17.90% APR, (depending on our review of your application and creditworthiness) to the Prime Rate (Index). This Index as published in the “Money Rates” column of The Wall Street Journal on the last business day of each calendar quarter. If the last business day of a calendar quarter falls on a weekend or a holiday, then the Index published on the preceding business day for that month will be used. The Index will be applied the first day of your billing cycle that ends in the calendar month following each quarter end. Your account shall generally be reviewed every 12 to 24 months annually to determine the appropriate margin and credit score range, and as otherwise required by law. Changes to your ANNUAL PERCENTAGE RATE will be applied upon notification in accordance with applicable laws and regulations. The ANNUAL PERCENTAGE RATE for purchases, cash advances, advances or balance transfers, or convenience checks in any given billing cycle, except for any Introductory Rate period, will be the Index plus the margin as set forth in the Additional Disclosure. The ANNUAL PERCENTAGE RATES for purchases, purchases and balance transfers, and convenience checks transfers are referred to as the Standard Rate. The daily periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases, cash advances, advances and balance transfers, and convenience checks transfers are set forth in the Additional Disclosure. For all, purchases, cash advances, advances and balance transfers, and convenience checks, the Standard Rate ANNUAL PERCENTAGE RATE will never be greater than 17.90% with a corresponding Standard Rate Daily Periodic Rate of .04904%. Please note that the terms of your account, including any of the ANNUAL PERCENTAGE RATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be in accordance with the Agreement and Disclosure Statement for your account. PENALTY APR: No Penalty APR.

COST OF CREDIT. You will pay a FINANCE CHARGE for all advances made against your Account. FINANCE CHARGES for balance transfers and cash advances, balance transfers, and convenience checks advances begin to accrue on the date of the advance. There is no grace period for balance transfers or cash advances. New purchases will not incur a FINANCE CHARGE on the date they are posted to your Account if you have paid the Account in full by the Payment Due Date shown on your previous monthly statement or if there was no previous balance. Cash Advances incur a FINANCE CHARGE from the date they are posted to your Account. No additional FINANCE CHARGES will be imposed on new purchases shown on your statement if the New Balance shown on in the statement is paid in full by the Payment Due Date reflected on the statement. For purchases purchase made with your Cardcard, there is at least a 25-day grace period within which the New Balance may be paid without incurring a FINANCE CHARGE. The Periodic Rate portion of the FINANCE CHARGE is figured by applying the periodic rate to the “Balance Subject to FINANCE CHARGE” which is the “Average Daily Balance” of your Account, including current transactions. The Average Daily Balance is arrived at by taking the beginning balance of your Account each day, adding new cash advances, balance transfers, and convenience checks, and unless you pay your entire Account Balance in full by the Payment Due Date shown on your previous monthly statement or there is no previous balance, adding in new purchases, and subtracting any payments or credits and unpaid FINANCE CHARGES. This gives us the daily balance. The daily balances for the billing cycle are then added together and divided by the number of days in the billing cycle. The result is the “Average Daily Balance.” The Periodic Rate portion of the FINANCE CHARGE is determined by multiplying the Average Daily Balance by the number of days in the billing cycle and applying the respective periodic rate to the product. If your periodic rate is computed based on an Index, your periodic rate(s) may vary. If your Account features an Introductory Rate, you will pay an Introductory Rate FINANCE CHARGE for purchases made at the periodic rate and corresponding ANNUAL PERCENTAGE RATE (APR) and for the time period set forth. Thereafter, the ANNUAL PERCENTAGE RATE (APR) may vary quarterly. The APR (other than the Introductory APR) is a variable rate determined quarterly by adding a margin of 4.655.5% to 14.40%, not to exceed 17.9014.75% APR, (depending on our review of your application and creditworthiness) to the Prime Rate (Index). This Index as published in the “Money Rates” column of The Wall Street Journal on the last business day of each calendar quarter. If the last business day of a calendar quarter falls on a weekend or a holiday, then the Index published on the preceding business day for that month will be used. The Index will be applied the first day of your billing cycle that ends in the calendar month following each quarter end. Your account shall generally When the rate increases, this has the effect of increasing the number of payments required to pay the balance in full. When the interest rate decreases, fewer payments may be reviewed every 12 required to 24 months pay the balance in full. You understand that we may change the index with proper notification to determine you. You agree to pay all authorized charges, FINANCE CHARGES and fees according to the appropriate margin and credit score range, and as otherwise required by lawpayment terms specified in this Agreement. Changes Failure to your ANNUAL PERCENTAGE RATE do so will be applied upon notification result in accordance with applicable laws and regulationsdefault on the Account. The ANNUAL PERCENTAGE RATE for (APR) purchases, balance transfers and cash advances, balance transfers, or convenience checks in any given billing cycle, except for any Introductory Rate period, will be the Index plus the margin as set forth in the Additional Disclosurebelow. The These ANNUAL PERCENTAGE RATES for purchases, balance transfers, and convenience checks are referred to as the Standard Rate. The Standard Rate daily periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases, balance transfers and cash advances, balance transfers, and convenience checks advances are set forth in the Additional Disclosure. The margins are as follows: Card Program Tier 1 Tier 2 Tier 3 Tier 4 Platinum 5.50% 8.00% 10.00% 12.00% Platinum Rewards 7.00% 9.50% 11.50% 13.50% For all, purchases, balance transfers and cash advances, balance transfers, and convenience checks, the Standard Rate ANNUAL PERCENTAGE RATE RATES will never be greater than 17.9018% with a corresponding Standard Rate Daily Periodic Rate of .04904.0493%. Please note that the terms of your account, including any of the ANNUAL PERCENTAGE RATES, are subject to change. Future changes to the ANNUAL PERCENTAGE RATES will be in accordance with the Agreement and Disclosure Statement for your account. The monthly periodic rate used in calculating periodic FINANCE CHARGES and the corresponding ANNUAL PERCENTAGE RATE are disclosed to you on the MasterCard Approval letter that is mailed to you. You may request a copy of this letter at anytime by contacting FFCU at 000-000-0000. PENALTY APR: No Penalty APR. LOST, STOLEN OR UNAUTHORIZED USE: It is important to continually monitor your monthly statements to identify any unauthorized transactions. If your card is lost or stolen, or you believe that someone has accessed or may access money from your card without your permission, notify us immediately. If you notice unauthorized or fraudulent activity on your card, notify us immediately. Notify us at the phone number or address listed on this disclosure. If your card is used fraudulently, you agree to assist us in our investigation and to sign and return the Cardholder Dispute Form. SKIP PAYMENT OPTION: We may designate a billing period in which you will have an option to skip a payment or pay less than the Minimum Payment Due, if you exercise this option, FINANCE CHARGES will accrue based on your “Average Daily Balance” as described in the FFCU MasterCard Agreement and Disclosure Statement.