Common use of Finance Charges Clause in Contracts

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Rate.

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balancebalance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balancebalance for purchases. Then, We add up all the these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date is at least 25 days after the close of each monthbilling cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for balance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction cash advance is posted to Your Account. The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. For VISA CU SoCal Topaz, balance transfer transactions obtained within the first 90 days of Account opening, will be subject to a discounted introductory Monthly Periodic Rate of % (corresponding to an ANNUAL PERCENTAGE RATE of %) for a period of nine months from the date of each such balance transfer. Upon the expiration of the nine month Introductory Rate period for each transferred balance, the Monthly Periodic Rate applicable to the transferred balance existing at that time and in the future will immediately increase to the non-introductory variable rate that would otherwise apply. The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC)RATE. All advances For purchases, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st first day of the billing cycle that of the month immediately follows following any such change in the Index. Increases or decreases For VISA CU SoCal Topaz balance transfers, following the expiration of any Introductory Rate period applicable to the transferred balance, such balance is subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the day that any Introductory Rate period for the transferred balance expires, and subsequently, on the first day of the billing cycle of the month immediately following any such change in the Index. For VISA Platinum Rewards and Secured VISA Platinum Rewards balance transfers, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause like increases or decreases changes in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply on the first day of the billing cycle of the month immediately following any such change in the Index. For cash advances, balances are subject to Your remaining principal balancea Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index'') plus Our Margin. If The Index plus the Margin equals the Interest Rate. Changes in the Index becomes unavailable, We may select another Index and Margin which would result will cause changes in a substantially similar the Interest RateRate on the first day of the billing cycle of the month immediately following any such change in the Index.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The fol- M-124277 xxxxxx describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your pur- chase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permit- xxx by Credit Union from time to time in Credit Union’s sole discre- tion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each av- erage daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s begin- ning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; how- ever, new purchases are not added if you paid the entire New Bal- ance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Ac- count until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promo- tion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The fol- M-124277 lowing describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your pur- chase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permit- xxx by Credit Union from time to time in Credit Union’s sole discre- tion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each av- erage daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s begin- ning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; how- ever, new purchases are not added if you paid the entire New Bal- ance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Ac- count until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promo- tion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The fol- lowing describes how the finance charge will be calculated on the M-124281 Account. You have a 25-day grace (no finance charge) period on your pur- chase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permit- xxx by Credit Union from time to time in Credit Union’s sole discre- tion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each av- erage daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s begin- ning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; how- ever, new purchases are not added if you paid the entire New Bal- ance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Ac- count until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promo- tion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In FINANCE CHARGES on your Account are calculated by applying the case of any transactions under Your Account, the balances subject applicable monthly Periodic Rate to the periodic Finance Charge are the average daily transactions balances outstanding during for Purchases and Cash Advances. Separate average daily balances are calculated for Purchases and Cash Advances. Your monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE for Purchases, Balance Transfers and Cash Advances are as set forth in the month (including new transactions)Account Opening Disclosure provided to you under separate cover, the terms of which are incorporated herein by reference. To get the each average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for Purchases and Cash Advances for the billing cycle are added and divide them the totals are divided by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying To get the average daily balance subject for Cash Advances, new Cash Advances are added to a Finance Charge the day's beginning balance and payments, credits and any unpaid interest or other finance charges are subtracted. To get the daily balance for Purchases, new Purchases are added to the day's beginning balance and payments, credits and any unpaid interest or other finance charges are subtracted; however, new Purchases are not added if you paid the entire New Balance for Purchases on your last statement by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges on purchases by paying the full amount end of the entire grace period or if you did not have a Purchase balance owed each month by on your last statement. Cash Advances -The FINANCE CHARGE on Cash Advances is calculated in accordance with the payment due date. Otherwise, the new balance of purchases, and subsequent purchases following method: A Finance charge will be imposed on Cash Advances from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account made or from the first day in which the Cash Advance is posted to your account, whichever is later, and will continue to accrue on the average daily balance of such Cash Advances until the balance is paid in full. There is no grace period on Cash Advances. Purchases -The FINANCE CHARGE on Purchases is calculated in accordance with the following method: A FINANCE CHARGE will be imposed on Purchases only if you elect not to pay the entire New Balance shown on your monthly statement for the previous billing cycle within twenty five (25) days from the closing date of that statement. If you elect to pay less than the entire New Balance shown on your previous monthly statement within that twenty five (25) day period, a Finance Charge will be imposed on the average daily balance of such Purchases from the previous statement closing date and on new Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the previous statement closing date and on new Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle in preceding the date on which the transaction entire New Balance is posted to Your Account. VARIABLE RATE paid in full or until the date of payment if more than twenty five (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances are subject to a Variable Rate which is based on 25) days from the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Rateclosing date.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The fol- lowing describes how the finance charge will be calculated on the Account. M-106496 You have a 25-day grace (no finance charge) period on your pur- chase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permit- xxx by Credit Union from time to time in Credit Union’s sole discre- tion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each av- erage daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s begin- ning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; how- ever, new purchases are not added if you paid the entire New Bal- ance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Ac- count until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promo- tion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In the case of any transactions under on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). Separate average daily balances are calculated for purchases, balance transfers and cash advances. To get the each average daily balance, We take each daily balance for each day of the beginning balance of Your Account each day, add any new billing cycle for purchases, balance transfers, transfers and for cash advances are added and the totals are divided by the number of days in the billing cycle. To get the daily balance for cash advances, debit adjustments or other charges new cash advances are added to the day's beginning balance and subtract any paymentspayments and credits are subtracted. To get the daily balance for balance transfers, new balance transfers are added to the day's beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day's beginning balance and unpaid Finance Chargespayments and credits are subtracted. This gives Us the daily balance. Then, We then add up all the daily balances for the billing cycle and divide them the total by the number of days in the billing cycle. The Finance Charge This gives Us the Average Daily Balance. We then multiply the Average Daily Balances for a billing cycle is computed by multiplying the average daily purchases, balance subject to a Finance Charge transfers and cash advances by the Monthly Daily Periodic Rate. We will mail Your periodic statement 22 Rate times the number of days prior to in the due date each monthbilling cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by within a grace period which varies between 23 and 26 days from Your statement closing date depending on the payment due datenumber of days in the month. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance Cash advances (including Convenience Checks) and balance transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or and until such advances are paid in full. For VISA Classic, VISA Gold, VISA Platinum, FBINAA Affinity VISA, NSA Affinity VISA, LEEDA Affinity VISA, NEIA Affinity VISA, NNALEA Affinity VISA, SFSAFBI Affinity VISA, AFFNA Affinity VISA, ACA Affinity VISA, Blue Knights Affinity VISA and Student VISA, if You have not previously received a Credit Card from Us, the first day Daily Periodic Rate for the six-month period immediately following the date Your Account is established will be .0.00000% (corresponding ANNUAL PERCENTAGE RATE of the billing cycle in which the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC0.00%). All advances are Upon the expiration of any Introductory Rate period, Your Account will be subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section Finance Charges provision of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Marginthis Agreement. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Daily Periodic Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balanceVISA Classic Account is .04630% (corresponding ANNUAL PERCENTAGE RATE of 16.90%). If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest RateThe Daily Periodic Rate that will apply to Your VISA Gold Account is .03808% (corresponding ANNUAL PERCENTAGE RATE of 13.90%). The Daily Periodic Rate that will apply to Your VISA Platinum Account is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%). The Daily Periodic Rate that will apply to Your FBINAA Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%). The Periodic Rate that will apply to Your NSA Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%). The Daily Periodic Rate that will apply to Your LEEDA Affinity VISA Account is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%). The Daily Periodic Rate that will apply to Your NEIA Affinity VISA Account is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%). The Daily Periodic Rate that will apply to Your NNALEA Affinity VISA Account is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%). The Daily Periodic Rate that will apply to Your SFSAFBI Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%). The Daily Periodic Rate that will apply to Your AFFNA Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%). The Daily Periodic Rate that will apply to Your ACA Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%). The Daily Periodic Rate that will apply to Your Blue Knights Affinity VISA is .03260% (corresponding ANNUAL PERCENTAGE RATE of 11.90%). The Daily Periodic Rate that will apply to Your Share Secured VISA is .04630% (corresponding ANNUAL PERCENTAGE RATE of 16.90%).

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In You agree to pay the case FINANCE CHARGE on your account. New purchases posted to your account in any billing cycle will not incur a finance charge during that cycle. A finance charge will accrue from the date of any transactions under Your Accountposting of new purchases. A finance charge will accrue on new purchases on the first day of the next billing cycle, unless you paid the balances subject entire new balance on the previous cycle’s billing statement by the payment due date on that statement. You may avoid an additional finance charge on purchases by paying the entire new balance off on the billing statement by the payment due date for that cycle period. A finance charge begins to accrue on cash advances from the date you receive the cash advance or from the first day of the billing cycle in which the cash advance is posted to your account, whichever is later. Finance charges for purchases are calculated differently than for cash advances. For purchases; the finance charge is computed by applying the periodic Finance Charge are rate to the average daily transactions balances outstanding during the month (including new transactions)balance of purchases. To get the average daily balancebalance of purchases, We we take the beginning outstanding balance of Your Account purchases each day, add any new purchasespurchases (excluding purchases posted during the billing cycle), balance transfers, cash advances, debit adjustments or other charges and subtract any payments, all payments and/or credits and unpaid Finance Chargesreceived during that period. This gives Us The result is the daily balancebalance of purchases. Then, We then add up all the daily balances of purchases for the billing cycle and divide them the total by the number of days in that billing cycle. That final figure is the average daily balance of purchases. For cash advances and balance transfers, the finance charge is computed by applying the monthly periodic rate to the average daily balance of cash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in new cash advances, and subtract any payments and/or credits that we apply to the cash advance balance. This gives us the daily balance of cash advances. Then, we add all the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the billing cycle. The Finance Charge for a billing cycle This is computed by multiplying then the average daily balance subject of cash advances. Balance transfers are the equivalent of cash advances. Cash Advances posted to your account begin to accrue a Finance Charge by finance charge from the Monthly Periodic Ratedate you get the cash advance, or the first day of the billing cycle in which the cash advance is posted to your account. We There is no period for cash advances in which interest will mail Your periodic statement 22 days prior not accrue and there is no period in which you may make monthly payments without incurring interest on cash advances from the date those transactions are posted to the due date each monthyour account. You can avoid Finance Charges FINANCE CHARGES on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new Cash advances and balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances are always subject to a Finance Charge FINANCE CHARGE from the later of the date they are posted to Your Account your account or from the first day of the billing cycle in which the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Rateaccount.

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including excluding new transactions). To get the average daily balancebalance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances balance for the billing cycle and divide them by the number of days in the billing cyclepurchases. The Finance Charge for a purchases is determined by multiplying Your unpaid balance at the close of each day in the billing cycle is computed by multiplying the average daily balance subject to a Finance Charge being accounted for by the Monthly applicable Daily Periodic Rate. We will mail These daily Finance Charges are then added together and the sum is the amount of the Finance Charge owed for the billing cycle being accounted for. Your periodic statement 22 days prior to the due date is at least 25 days after the close of each monthbilling cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. The Finance Charge for balance transfers is determined by multiplying Your unpaid balance at the close of each day in the billing cycle being accounted for by the applicable Daily Periodic Rate. These daily Finance Charges are then added together and the sum is the amount of the Finance Charge owed for the billing cycle being accounted for. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. The Finance Charge for cash advances is determined by multiplying Your unpaid balance at the close of each day in the billing cycle being accounted for by the applicable Daily Periodic Rate. These daily Finance Charges are then added together and the sum is the amount of the Finance Charge owed for the billing cycle being accounted for. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction cash advance is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of total Finance Charge You owe for each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in is the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in sum of all the Finance Charge Charges due for the balances of purchases, balance transfers and will affect the number of Your regularly scheduled paymentscash advances. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. If the Index becomes unavailableVISA GOLD RATE ADVANTAGE, We may select another Index and Margin which would result in a substantially similar Interest Rate.VISA CREDIT BUILDER ADVANTAGE, VISA SECURED CREDIT BUILDER ADVANTAGE, AND VISA ADVANTAGE

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. FCUPTDC0019-0223 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The fol- lowing describes how the finance charge will be calculated on the M-124280 Account. You have a 25-day grace (no finance charge) period on your pur- chase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permit- xxx by Credit Union from time to time in Credit Union’s sole discre- tion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each av- erage daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s begin- ning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; how- ever, new purchases are not added if you paid the entire New Bal- ance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Ac- count until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promo- tion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace pe- riod. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily bal- ances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advanc- es. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advanc- es are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Ac- count until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be dis- closed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. FCUPTDC0021-0223 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balancebalance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balancebalance for purchases. Then, We add up all the these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date is at least 25 days after the close of each monthbilling cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for balance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction cash advance is posted to Your Account. The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC)RATE. All advances For purchases, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st first day of the billing cycle that of the month immediately follows following any such change in the Index. Increases or decreases For balance transfers, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For cash advances, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index'') plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause like increases or decreases changes in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. If on the Index becomes unavailable, We may select another Index and Margin which would result first day of the billing cycle of the month immediately following any such change in a substantially similar Interest Ratethe Index.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. FCUPTDC0019-0921 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. FCUPTDC0021-0921 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In the case of any transactions under Your Account, the balances subject New purchases posted to the periodic Finance Charge are the average daily transactions balances outstanding your account during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying will not incur a finance charge for that billing cycle if you had a zero or credit balance at the average daily balance subject to a Finance Charge beginning of that billing cycle or you paid the entire New Balance on the previous cycle's billing statement by the Monthly Periodic RatePayment Due Date of that statement; otherwise a finance charge will accrue from the date a purchase is posted to your account. We will mail Your periodic statement 22 days prior to To avoid an additional finance charge on the due date each month. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases you must pay the entire New Balance on the billing statement by the Payment Due Date of that statement. A finance charge begins to accrue on cash advances from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and you get the cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account advance or from the first day of the billing cycle in which the transaction cash advance is posted to Your Account. VARIABLE RATE your account, whichever is later (EXCEPT VISA CLASSIC AND SECURED VISA CLASSICtransaction date). All The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by applying the periodic rate to the average daily balance of purchases. To get the average daily balance of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us the daily balance of purchases. Then we add all the daily balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases. For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash advance balance. This gives us the daily balance of cash advances. We then add all the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash advances. Balance transfers are subject to a Variable Rate which calculated in the same manner as cash advances. The ANNUAL PERCENTAGE RATE for your Card is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each certain credit-worthiness criteria. Member's APR may be reviewed and changed twice a year ("Index") plus Our Marginbased upon credit history. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest monthly Periodic Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Rateyour VISA Platinum Card is (*see below) % that is an ANNUAL PERCENTAGE RATE of (*see below) %.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The fol- lowing describes how the finance charge will be calculated on the M-124278 Account. You have a 25-day grace (no finance charge) period on your pur- chase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permit- xxx by Credit Union from time to time in Credit Union’s sole discre- tion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each av- erage daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s begin- ning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; how- ever, new purchases are not added if you paid the entire New Bal- ance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Ac- count until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promo- tion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The fol- lowing describes how the finance charge will be calculated on the M-124279 Account. You have a 25-day grace (no finance charge) period on your pur- chase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permit- xxx by Credit Union from time to time in Credit Union’s sole discre- tion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each av- erage daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s begin- ning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; how- ever, new purchases are not added if you paid the entire New Bal- ance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Ac- count until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promo- tion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactionspurchases). To get the average daily balancebalance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balancebalance for purchases. Then, We add up all the these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date is at least 25 days after the close of each monthbilling cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for balance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction cash advance is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of total Finance Charge You owe for each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in is the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in sum of all the Finance Charge Charges due for the balances of purchases, balance transfers and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratecash advances.

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balancebalance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balancebalance for purchases. Then, We add up all the these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date is at least 25 days after the close of each monthbilling cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account ea ch day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We ad d up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for balance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction cash advance is posted to Your Account. VARIABLE The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. For VISA Platinum Rewards, all balances will be charged finances at a variable Monthly Periodic Rate of % - % (corresponding ANNUAL PERCENTAGE RATE % - %), depending on Your creditworthiness. For Secured VISA Platinum Rewards, all balances will be charged finances at a variable Monthly Periodic Rate of % (EXCEPT VISA CLASSIC AND SECURED VISA CLASSICcorresponding ANNUAL PERCENTAGE RATE %). All advances VARIABLE RATE. For purchases, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st first day of the billing cycle that of the month immediately follows following any such change in the Index. Increases For balance transfers, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For cash advances, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index'') plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For all balances, increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% 19.90%, and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Rate.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. FCUPTDC0022-0921 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balancebalance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balancebalance for purchases. Then, We add up all the these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date is at least 25 days after the close of each monthbilling cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for balance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction cash advance is posted to Your Account. For VISA CU SoCal Topaz, each balance transfer transaction, whenever made, will be subject to a discounted introductory Monthly Periodic Rate of % (corresponding to an ANNUAL PERCENTAGE RATE of %) for a period of six months from the date of such balance transfer. Upon the expiration of the six month Introductory Rate period for the transferred balance, the Monthly Periodic Rate applicable to the transferred balance existing at that time and in the future will immediately increase to the non-introductory variable rate that would otherwise apply. The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC)RATE. All advances transactions are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st first day of the billing cycle that of the month immediately follows following any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% 19.90%, and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Rate.

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic A Finance Charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance of purchases shown on your monthly statement for the previous billing cycle within twenty-five (25) days from the closing date of that statement. If you elect not to pay the entire New Balance of purchases shown on your previous monthly statement within the 25-day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance of purchases is paid in full or until the date of payment if more than twenty-five (25) days from the closing date. To avoid incurring an additional Finance Charge on the balance of Credit Purchases and on any new Credit Purchases reflected on your monthly statement, you must pay the New Balance shown on or before the Payment Due Date. The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate of 1.0%, which is an ANNUAL PERCENTAGE RATE of 11.99% to the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each dayCredit Purchases, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us which is determined by dividing the daily balance. Then, We add up all sum of the daily balances for during the billing cycle and divide them by the number of days in the billing cycle. Each daily balance is determined by add- ing to the Previous Balance of Credit Purchases any new Credit Purchases posted to your account and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges. Subject to the above, the grace period for the New Balance of Credit Purchases extends to the Payment Due Date. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject on Cash Advances begins to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges accrue on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances are always subject to a Finance Charge from you obtain the later of the date they are posted to Your Account Cash Advance or from the first day of the billing cycle in which the transaction it is posted to Your Accountyour account, whichever is later. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances The Finance Charges for a billing cycle are subject computed by applying the monthly Periodic Rate to a Variable Rate the average daily balance during the billing cycle, which is based on determined by dividing the highest Prime Rate as published sum of the daily balances during the billing cycle by the number of days in the money rates section cycle. Each daily balance is determined by adding to the Previous Balance (the outstanding balance of The Wall Street Journal in effect on your account at the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day beginning of the billing cycle that immediately follows cycle) any such change in the Indexnew Cash Advances received, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid Finance Charges. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Rateattorney’s fees.

Finance Charges. In the case of any transactions under Your Account, the balances subject New purchases posted to the periodic Finance Charge are the average daily transactions balances outstanding your account during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying will not incur a finance charge for that billing cycle if you had a zero or credit balance at the average daily balance subject to a Finance Charge beginning of that billing cycle or you paid the entire New Balance on the previous cycle's billing statement by the Monthly Periodic RatePayment Due Date of that statement; otherwise a finance charge will accrue from the date a purchase is posted to your account. We will mail Your periodic statement 22 days prior to To avoid an additional finance charge on the due date each month. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases you must pay the entire New Balance on the billing statement by the Payment Due Date of that statement. A finance charge begins to accrue on cash advances from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and you get the cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account advance or from the first day of the billing cycle in which the transaction cash advance is posted to Your Account. VARIABLE RATE your account, whichever is later (EXCEPT VISA CLASSIC AND SECURED VISA CLASSICtransaction date). All The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by applying the periodic rate to the average daily balance of purchases. To get the average daily balance of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us the daily balance of purchases. Then we add all the daily balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases. For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash advance balance. This gives us the daily balance of cash advances. We then add all the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash advances. Balance transfers are subject to a Variable Rate which calculated in the same manner as cash advances. The ANNUAL PERCENTAGE RATE for your Card is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each certain credit-worthiness criteria. Member's APR may be reviewed and changed twice a year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratebased upon credit history.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. M-125605 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. M-125604 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balancebalance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balancebalance for purchases. Then, We add up all the these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date is at least 25 days after the close of each monthbilling cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for balance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction cash advance is posted to Your Account. The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC)RATE. All advances transactions are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st first day of the billing cycle that of the month immediately follows following any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% 19.90%, and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Rate.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. FCUPTDC0015-0921 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In You can avoid FINANCE CHARGES on purchases by paying the case full amount of any transactions under Your Accountthe New Balance of Purchases each month within 25 days of your statement closing date. Otherwise, the balances New Balance of Purchases will be subject to FINANCE CHARGE. The FINANCE CHARGE for a billing cycle is computed by applying the periodic Finance Charge are daily Periodic Rate, which is an Annual Percentage Rate divided by the average daily transactions balances outstanding during number of calendar days in the month (including new transactions). To get year, to the average daily balance, We take the beginning . The average daily principle balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us purchases is determined by dividing the daily balance. Then, We add up all sum of the daily balances for during the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average Each daily balance subject to a Finance Charge of Credit Purchases is determined by subtracting from the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new previous balance of purchasescredit purchases any payments received and credits as posted to your account, and subsequent purchases but excluding any unpaid FINANCE CHARGES. On Cash Advances: A monthly FINANCE CHARGE will be imposed on Cash Advances from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account each Cash Advance is made or from the first day of the billing cycle in which the transaction each Cash Advance is posted to Your Accountyour account, whichever is later. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances are subject This monthly FINANCE CHARGE will continue to a Variable Rate which is based accrue on the highest Prime Rate as published in unpaid average daily balance of such Cash Advances until (i) the money rates section date of The Wall Street Journal in effect on payment if paid during the last calendar day of each month of each year same billing cycle, ("Index"ii) plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day closing date of the billing cycle that immediately follows any such change preceding the date on which the entire New Balance is paid in full or (iii) the Indexdate of payment if more than twenty-five (25) days after the closing date. Increases or decreases in The FINANCE CHARGE for a billing cycle is computed by applying the Interest daily Periodic Rate, which is an Annual Percentage Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentscalendar days in the year, to the average daily balance of Cash Advances, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the billing cycle. Your Interest Rate will never be greater than 18.00% Each daily balance of Cash Advances is determined by adding any new Cash Advances posted to your account during the billing cycle to the outstanding unpaid balance of Cash Advances at the beginning of the billing cycle, and will apply subtracting any payments received or credits posted to Your remaining principal balance. If your account during the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratebilling cycle.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. FCUPTDC0014-0921 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In New purchases posted to your account during a billing cycle will not incur a finance charge for that billing cycle if you had a zero or credit balance at the case beginning of any transactions under Your Accountthat billing cycle or you paid the entire New Balance on the previous cycle’s billing statement by the Payment Due Date of that statement; otherwise a finance charge will accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of purchases, you must pay the entire New Balance on the billing statement by the Payment Due Date of that statement. A finance charge begins to accrue on cash advances from the date you get the cash advance or the first day of the billing cycle in which the cash advance is posted to your account, whichever is later. The finance charge is calculated separately for purchases and cash advances. For purchases, the balances subject finance charge is computed by applying the monthly periodic rate to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions)balance of purchases. To get the average daily balancebalance of purchases, We we take the beginning outstanding balance of Your Account purchases each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Chargespayments and/or credits. This gives Us us the daily balancebalance of purchases. Then, We we add up all the daily balances of purchases for the billing cycle together and divide them the total by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying This gives us the average daily balance subject to a Finance Charge of purchases. For cash advances, the finance charge is computed by applying the Monthly Periodic Rate. We will mail Your monthly periodic statement 22 days prior rate to the due date each month. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new average daily balance of purchasescash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances, and subsequent purchases from subtract any payments and /or credits that we apply to the date they are posted to Your Account, will be subject to a Finance Chargecash advance balance. Balance transfers and This gives us the daily balance of cash advances. Then we add all the daily balances of cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which together and divide the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect total by the number of Your regularly scheduled paymentsdays in the billing cycle. Your Interest Rate will never be greater than This gives us the average daily balance of cash advances. The ANNUAL PERCENTAGE RATE (APR) for your Card is 12.50% or 18.00% %. For the ANNUAL PERCENTAGE RATE (APR) and will apply monthly periodic rate that applies to Your remaining principal balance. If your card, please refer to the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Rateschedule that accompanies this agreement.

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balancebalance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balancebalance for purchases. Then, We add up all the these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date is at least 25 days after the close of each monthbilling cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for balance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction cash advance is posted to Your Account. The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. For VISA CU SoCal Topaz, each balance transfer transaction, whenever made, will be subject to a discounted Introductory Monthly Periodic Rate of % (corresponding ANNUAL PERCENTAGE RATE %) for a period of nine months from the date of such balance transfer. Upon the expiration of the nine month Introductory Rate period for the transferred balance, the Monthly Periodic Rate applicable to the transferred balance existing at that time and in the future will immediately increase to the non-Introductory variable rate that would otherwise apply. The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC)RATE. All advances For purchases, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st first day of the billing cycle that of the month immediately follows following any such change in the Index. Increases For VISA CU SoCal Topaz balance transfers, following the expiration of any Introductory Rate period applicable to the transferred balance, such balance is subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the day that any Introductory Rate period for the transferred balance expires, and subsequently, on the first day of the billing cycle of the month immediately following any such change in the Index. For VISA Platinum Rewards and Secured VISA Platinum Rewards balance transfers, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For cash advances, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index'') plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For all balances, increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% 19.90%, and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Rate.

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balancebalance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balancebalance for purchases. Then, We add up all the these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date is at least 25 days after the close of each monthbilling cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for balance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Your due date is at least 25 days after the close of each billing cycle. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction cash advance is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of total Finance Charge You owe for each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in is the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in sum of all the Finance Charge Charges due for the balances of purchases, balance transfers and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratecash advances.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. FCUPTDC0016-0921 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In You have a twenty-five (25) day grace (no finance charge) period on your purchase balance and for new purchases if you paid the case Total New Balance on your last statement by the end of any transactions under Your Accountthe grace period. You also have a twenty-five (25) day grace period for new purchases if you did not have an outstanding balance on your last statement. The grace period starts on the first day of the next billing cycle. If you do not pay the Total New Balance, which includes the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchasespurchase, balance transfers, and cash advancesadvance balances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number end of days in the billing cyclegrace period a Finance Charge will be imposed on the unpaid balances. The Finance Charge for a billing cycle is computed by multiplying will be imposed from the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges on purchases by paying the full amount first day of the entire balance owed each month by the payment due date. Otherwisebilling cycle, and on the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a your account. A Finance Charge. Balance Charge is imposed on balance transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from your account. Separate average daily balances are calculated for purchases, balance transfers, and cash advances. The finance charge is calculated by multiplying the first day of average daily balances by a daily periodic rate, which is the billing cycle in which the transaction current rate divided by 365. THE ANNUAL PERCENTAGE RATE is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances are subject to a Variable change monthly to reflect any change in the Index and will be determined by the Prime Rate which is based on the highest Prime Rate as last Tuesday of of each month if it is a business day (if not, the next business day)as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") “Money Rates” table plus Our Margin5.00%. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate ANNUAL PERCENTAGE RATE will never be less than 9.00% or greater than 18.00% and %. Any increase in the annual percentage rate will apply to Your remaining principal balancetake the form of additional payments shown as Total Minimum Payments on the statement. If the Index becomes unavailableis no longer available, We may select another Index the Credit Union will choose a new Index, which is based upon comparable information. To get each average daily balance, the daily balances for purchases, balance transfers, and Margin which would result cash advances for the billing cycle are added and the totals are divided by the number of days in a substantially similar Interest Ratethe cycle. To get the daily balance for balance transfers and cash advances, new balance transfers and cash advances are added to the day’s beginning balances and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted. Fees are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. M-125608 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In For a VISA® card, each advance or purchase is a non-variable rate loan in that the case of any transactions under Your Account, daily periodic rate and the balances subject ANNUAL PERCENTAGE RATE will not vary while you maintain an outstanding balance on your account and you are not in default. The ANNUAL PERCENTAGE RATE you receive is determined based on your creditworthiness and will be disclosed to you on the attached Account Opening Disclosure. The Finance Charge is determined by applying the daily periodic rate to the periodic Finance Charge are the “average daily transactions balances outstanding during the month (balance” of your account, including new transactions)any cash advances. To get the average daily balance, We we take the beginning outstanding balance of Your Account purchases each day, add any new purchases, balance transfers, purchases and cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Chargespayments and/or credits. This gives Us us the daily balance. Then, We we add up all the daily balances for the billing cycle together and divide them the total by the number of days in the billing cycle. This gives us the average daily balance. The Finance Charge ANNUAL PERCENTAGE RATE is determined by dividing the sum of the average daily balances during the billing cycle by the number of days in the cycle. To receive a specific rate as set forth for your VISA® account, you must maintain your accounts each and every day of the billing cycle to receive the specified interest rate. We may increase your interest rate to a higher allowable rate if your VISA® account becomes delinquent or you exceed your specified approved credit limit. New purchases posted to your account during a billing cycle is computed by multiplying will not incur a finance charge for that billing cycle if you had a zero or credit balance at the average daily balance subject to a Finance Charge beginning of that billing cycle or you paid the entire New Balance on the previous cycle’s billing statement by the Monthly Periodic RatePayment Due Date of that statement; otherwise a finance charge will accrue from the date a purchase is posted to your account. We will mail Your periodic statement 22 days prior to To avoid an additional finance charge on the due date each month. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent you must pay the entire New Balance on the billing statement by the Payment Due Date of that statement. There is a 25 day grace period at the end of the billing cycle for new purchases. No finance charges accrue on any new purchases during this period. At the end of the 25 day grace period, finance charges as set forth herein begin to accrue unless the account is paid in full before the end of the grace period. Cash Advances (or Overdraft Protection Cash Advances) posted to your account begin to accrue a finance charge from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and you get the cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account advance or from the first day of the billing cycle in which the transaction cash advance is posted to Your Accountyour account, whichever is later. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC)There is no “grace period” for cash advances in which interest will not accrue and there is no period in which you may make monthly payments without incurring interest on cash advances or overdraft cash advances from the date those transactions are posted to your account. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index A cash advance fee will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows be assessed for any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest RateATM authorized cash advance.

Finance Charges. In A finance charge is the case cost you pay for credit. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances for the billing cycle are always subject added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added to a Finance Charge from the later day's beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day's beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the date they grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are posted not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. The Monthly Periodic Rate (“MPR”) and ANNUAL PERCENTAGE RATE (“APR”) are variable rates that may change in January and July of each year. Credit Union will determine the Monthly Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE as follows: Credit Union starts with an independent index (the “Index”), which is The Wall Street Journal Prime Rate. When a range of rates had been published, the highest rate will be used. Credit Union will use an Index value available in the month immediately preceding the month of the annual percentage rate adjustment as determined by Credit Union in Credit Union’s sole discretion. To determine the Monthly Periodic Rate that will apply to your Account, Credit Union adds a Margin to the value of the Index. Then Credit Union divides this sum by the number of months in a year (12). To obtain the ANNUAL PERCENTAGE RATE, Credit Union will multiply the Monthly Periodic Rate by the number of months in a year (12). This result is the ANNUAL PERCENTAGE RATE. Your Margin and your initial Monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE will be disclosed to you before or at the time the Account and Card are issued in the Initial Rate Disclosure, which is included with this Agreement and incorporated by reference. Subject to applicable laws and regulations, your Margin may also be increased or from decreased at any time in Credit Union’s sole discretion based upon certain creditworthiness factors which include, but are not limited to, payment history and credit bureau data. Any change in your Margin will cause a corresponding change in the ANNUAL PERCENTAGE RATE and Monthly Periodic Rate The ANNUAL PERCENTAGE RATE can change each January and each July with changes in the Index. All changes to the ANNUAL PERCENTAGE RATE will be effective on the first day of the first billing cycle in of January or July as applicable. There is no limit on the amount by which the transaction is posted to Your ANNUAL PERCENTAGE RATE can change during any period or the term of the Account. VARIABLE Your Monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances are subject will not be less than the Minimum Rate applicable to a Variable Rate which is based on the highest Prime Rate as published in the money rates section your account, regardless of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes changes in the Index and will cause changes be disclosed to you before or at the time the Account and Card are issued in the Interest Initial Rate on the 1st day of the billing cycle Disclosure. The maximum ANNUAL PERCENTAGE RATE that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than can apply is 18.00% or the maximum permitted by law, whichever is less. The Card Types, Tiers and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index corresponding Margins and Minimum Rates are set forth below: Card Type Tier Margin which would result in a substantially similar Interest Rate.Minimum Rates Business Elite A 6.74% 10.99% APR/ 0.92% MPR B 8.24% 12.49% APR/ 1.04% MPR C 12.74% 16.99% APR/ 1.42% MPR D 14.25% 18.00% APR/ 1.50% MPR

Finance Charges. In You can avoid Finance Charges on Purchases by paying the case full amount of any transactions under Your the "New Balance" outstanding on the Account at the end of each Monthly Statement billing cycle by the payment due date (which will be at least 25 days after your billing cycle closing date). Otherwise, the New Balance of Purchases, and subsequent Purchases from the date they are posted to your Account, will be subject to Finance Charges. Cash Advances are always subject to Finance Charges from the balances date they are posted to your Account. Cash Advances are also subject to the periodic Finance Charge are Cash Advance transaction fee described in the average daily transactions balances accompanying Disclosure. APGFCU reserves the right, at its sole discretion, to classify an Account transaction as a Cash Advance or a Purchase based on merchant and/or transaction category codes and/or other codes or information provided in connection with an Account transaction. The total outstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Purchases and Cash Advances in the Account each dayon the closing date of a Monthly Statement billing cycle, add including any new purchasesFinance Charges and any Other Charges and Fees, balance transferswill be shown on the Monthly Statement for that billing cycle as the “New Balance”. Finance Charges will be calculated using an interest rate, cash advancesalso known as the Annual Percentage Rate (APR), debit adjustments or other charges set by the Credit Union. Finance Charges (interest) are calculated on the Average Daily Principal balances of Purchases and subtract any payments, credits and unpaid Finance Charges. This gives Us Cash Advances in the daily balance. Then, We add up all Account for the daily balances for number of days in the billing cycle at the daily periodic rate and divide them corresponding Annual Percentage Rate that are disclosed to you when we open your Account and on your Monthly Statements. The principal balances of Purchases and Cash Advances are determined each day during the Monthly Statement billing cycle, beginning with the principal portion of your Previous Balances, reduced by payments you make and credits we apply to reduce outstanding principal balances, and increased by Purchases and Cash Advances you make and debit adjustments we make during the billing cycle. The daily principal balances are totaled and divided by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the , to produce separate average daily balance subject principal balances for Purchases and Cash Advances to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction daily periodic rate is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect then applied for the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. If days in the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratebilling cycle.

Finance Charges. In the case of any transactions under Your Account, the balances subject New purchases posted to the periodic Finance Charge are the average daily transactions balances outstanding your account during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying will not incur a finance charge for that billing cycle if you had a zero or credit balance at the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges on purchases by paying the full amount beginning of that billing cycle, or if you paid the entire new balance owed each month on the previous cycle’s billing statement by the payment due datedate of that statement; otherwise a finance charge will accrue from the date a purchase is posted to your account. Otherwise, To avoid an additional finance charge on the new balance of purchases, and subsequent purchases you must pay the entire new balance on the billing statement by the payment due date of that statement. A finance charge begins to accrue on cash advances from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and you get the cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account advance or from the first day of the billing cycle in which the transaction cash advance is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances are subject to a Variable Rate which your account, whichever is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Marginlater. The Index plus finance charge is calculated separately for purchases and cash advances. For purchases, the Margin equals finance charge is computed by applying the Interest Ratemonthly periodic rate to the average daily balance of purchases. Changes in To get the Index will cause changes in average daily balance of purchases, we take the Interest Rate on beginning outstanding balance of purchases each day, add any new purchases and subtract any payments and/or credits. This gives us the 1st day daily balance of purchases. Then, we add all the daily balances of purchases for the billing cycle that immediately follows any such change in together and divide the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect total by the number of Your regularly scheduled paymentsdays in the billing cycle. Your Interest Rate will never be greater than 18.00% This gives us the average daily balance of purchases. For cash advances, the finance charge is computed by applying the monthly periodic rate to the average daily balance of cash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances, and will subtract any payments and/or credits that we apply to Your remaining principal the cash advance balance. If This gives us the Index becomes unavailable, We may select another Index daily balance of cash advances. Then we add all the daily balances of cash advances for the billing cycle together and Margin which would result divide the total by the number of days in a substantially similar Interest Ratethe billing cycle. This gives us the average daily balance. Balance transfers are calculated in the same manner as cash advances.

Finance Charges. In the case of any transactions under Your Account, the balances subject New purchases posted to the periodic Finance Charge are the average daily transactions balances outstanding your account during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying will not incur a finance charge for that billing cycle if you had a zero or credit balance at the average daily balance subject to a Finance Charge beginning of that billing cycle or you paid the entire New Balance on the previous cycle’s billing statement by the Monthly Periodic RatePayment Due Date of that statement; otherwise a finance charge will accrue from the date a purchase is posted to your account. We will mail Your periodic statement 22 days prior to To avoid an additional finance charge on the due date each month. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases you must pay the entire New Balance on the billing statement by the Payment Due Date of that statement. A finance charge begins to accrue on cash advances from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and you get the cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account advance or from the first day of the billing cycle in which the transaction cash advance is posted to Your Accountyour account, whichever is later. The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by applying the monthly periodic rate to the average daily balance of purchases. To get the average daily balance of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us the daily balance of purchases. Then we add all the daily balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases. For cash advances, the finance charge is computed by applying the monthly periodic rate to the average daily balance of cash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash advance balance. This gives us the daily balance of cash advances. Then we add all the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily balance of cash advances. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC)RATE. All advances are Your Account is subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section Money Rates Section of The the Wall Street Journal in effect on the last calendar day of each month of each year calendar quarter ("“Index"”) plus Our our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st first day of the next billing cycle that immediately follows any such following the change in the Index(“Change Date”). Increases or decreases in the Interest Rate will cause result in like increases or decreases in the Finance Charge and will affect the number amount of Your your regularly scheduled paymentspayments that you will be required to make. Your Interest An increase in the Index will result in an increase in your regularly scheduled payment amount. There is no limit on the amount by which the annual percentage rate can change on any Change Date other than the maximum Annual Percentage Rate. The maximum ANNUAL PERCENTAGE RATE that can apply is 18%. The ANNUAL PERCENTAGE RATE for your Card is based on certain creditworthiness criteria. Refer to your account opening disclosure for the Annual Percentage Rate and Daily Periodic Rate accompanying this agreement. PENALTY APR: If your required minimum monthly payment is not received within 60 days after the due date for that payment, and after providing you with notice as required by applicable law (the “Notice”), the Daily Periodic Rate for your Account will increase to 0.0493%, corresponding to an ANNUAL PERCENTAGE RATE of 18.00% (“Penalty Rate”). The Penalty Rate will never be greater than 18.00% and will apply applied to Your remaining principal balancethe outstanding balance of your Account as of the effective date specified in the Notice. If the Index becomes unavailableCredit Union receives six (6) consecutive required minimum monthly payments on or before the payment due dates beginning with the first payment due following the effective date of the increase, We may select another Index the Credit Union will reduce the Annual Percentage Rate for your Account to the rate that would have applied prior to the increase for transactions that occurred prior to or within 14 days after the Notice was provided. The Periodic and Margin which would result Annual Percentage Rates applicable to other transactions will be as disclosed to you in a substantially similar Interest Ratethe Notice.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) FCUPTDC0013-0921 period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. FCUPTDC0011-0921 The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending FCUPTDC0012-0921 Disclosures. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. FCUPTDC0018-0921 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In You agree to pay the case FINANCE CHARGE on your account. New purchases posted to your account in any billing cycle will not incur a finance charge during that cycle. A finance charge will accrue from the date of any transactions under Your Accountposting of new purchases. A finance charge will accrue on new purchases on the first day of the next billing cycle, unless you paid the balances subject entire new balance on the previous cycle’s billing statement by the payment due date on that statement. You may avoid an additional finance charge on purchases by paying the entire new balance off on the billing statement by the payment due date for that cycle period. A finance charge begins to accrue on cash advances from the date you receive the cash advance or from the first day of the billing cycle in which the cash advance is posted to your account, whichever is later. Finance charges for purchases are calculated differently than for cash advances. For purchases; the finance charge is computed by applying the periodic Finance Charge are rate to the average daily transactions balances outstanding during the month (including new transactions)balance of purchases. To get the average daily balancebalance of purchases, We we take the beginning outstanding balance of Your Account purchases each day, add any new purchasespurchases (excluding purchases posted during the billing cycle), balance transfers, cash advances, debit adjustments or other charges and subtract any payments, all payments and/or credits and unpaid Finance Chargesreceived during that period. This gives Us The result is the daily balancebalance of purchases. Then, We then add up all the daily balances of purchases for the billing cycle and divide them the total by the number of days in that billing cycle. That final figure is the average daily balance of purchases. For cash advances and balance transfers, the finance charge is computed by applying the monthly periodic rate to the average daily balance of cash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in new cash advances, and subtract any payments and/or credits that we apply to the cash advance balance. This gives us the daily balance of cash advances. Then, we add all the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the billing cycle. The Finance Charge for a billing cycle This is computed by multiplying then the average daily balance subject of cash advances. Balance transfers are the equivalent of cash advances. Cash Advances posted to your account begin to accrue a Finance Charge by finance charge from the Monthly Periodic Ratedate you get the cash advance, or the first day of the billing cycle in which the cash advance is posted to your account. We There is no period for cash advances in which interest will mail not accrue and there is no period in which you may make monthly payments without incurring interest on cash advances from the date those transactions are posted to your account.  Minimum monthly payments on each loan account are 2% of the “principal balance” at the time that the billing statement is prepared. Your periodic statement 22 days prior payment is rounded up to the nearest dollar, and will not be less than $10.00 (see section 9)  Payments are due date on the 9th day of each monthmonth (see section 9)  If a payment is 15 days or more late, we can charge you $25.00 (see section 12)  The maximum amount of your credit limit is $ . (see section 9) You can avoid Finance Charges FINANCE CHARGES on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new Cash advances and balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances are always subject to a Finance Charge FINANCE CHARGE from the later of the date they are posted to Your Account your account or from the first day of the billing cycle in which the transaction is posted to Your Accountthe account. VARIABLE RATE Military Lending Act Description of Payment Obligation Military Lending Act Disclosures Notice to Military Applicant: The Credit Union is required to verbally explain the above Description of Payment Obligation to you either before or when you become obligated on this Note or you establish an account with us. You may also call the Credit Union toll free to have this information explained by calling (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC)000) 000-0000 during normal business hours. All advances are subject Military APR (MAPR) Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day member of the billing cycle that immediately follows Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any such change in the Index. Increases application fee charged (other than certain application fees for specified credit transactions or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge accounts); and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater any participation fee charged (other than 18.00% and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in certain participation fees for a substantially similar Interest Ratecredit card account).

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. FCUPTDC0010-0921 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balancebalance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balancebalance for purchases. Then, We add up all the these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date is at least 25 days after the close of each monthbilling cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for balance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction cash advance is posted to Your Account. VARIABLE The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. During the first 12 months following the date that You establish a VISA Platinum Rewards Credit Card, purchases made prior to the end of the 60-day period that immediately follows the date that Your Account is established will be subject to a discounted Introductory Monthly Periodic Rate of % (corresponding ANNUAL PERCENTAGE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC%). All advances Upon the expiration of the Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance of purchases existing at that time and in the future will immediately increase to the non-Introductory variable rate that would otherwise apply. For VISA Platinum Rewards, each balance transfer transaction, whenever made, will be subject to a discounted Introductory Monthly Periodic Rate of % (corresponding ANNUAL PERCENTAGE RATE %) for a period of one-year from the date of such balance transfer. Upon the expiration of the one-year Introductory Rate period for the transferred balance, the Monthly Periodic Rate applicable to the transferred balance existing at that time and in the future will immediately increase to the non-Introductory variable rate that would otherwise apply. During the first 12 months following the date that You establish a Secured VISA Platinum Rewards Credit Card, purchases made prior to the end of the 60-day period that immediately follows the date that Your Account is established will be subject to a discounted Introductory Monthly Periodic Rate of % (corresponding ANNUAL PERCENTAGE RATE %). Upon the expiration of the Introductory Rate period, the Monthly Periodic Rate applicable to Your entire balance of purchases existing at that time and in the future will immediately increase to the non-Introductory variable rate that would otherwise apply. For Secured VISA Platinum Rewards, each balance transfer transaction, whenever made, will be subject to a discounted Introductory Monthly Periodic Rate of % (corresponding ANNUAL PERCENTAGE RATE %) for a period of one-year from the date of such balance transfer. Upon the expiration of the one-year Introductory Rate period for the transferred balance, the Monthly Periodic Rate applicable to the transferred balance existing at that time and in the future will immediately increase to the non-Introductory variable rate that would otherwise apply. The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. VARIABLE RATE. For purchases, following the expiration of the Introductory Rate period, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day that the Introductory Rate period expires, and subsequently, on the first day of the billing cycle that of the month immediately follows following any such change in the Index. Increases For balance transfers, following the expiration of the Introductory Rate period applicable to the transferred balance, such balance is subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the day that the Introductory Rate period for the transferred balance expires, and subsequently, on the first day of the billing cycle of the month immediately following any such change in the Index. For cash advances, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index'') plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For all balances, increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% 19.90%, and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Rate.

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). Separate average daily balances are calculated for purchases, balance transfers, and cash advances (including convenience checks). To get the average daily balancebalance for purchases, We take the beginning balance of Your Account for purchases each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balancebalance for purchases. Then, We add up all the daily balances for purchases during the billing cycle and divide them by the number of days in the billing cycle. This gives Us the av erage daily transactions balances for purchases. To get the average daily balance for balance transfers, We take the beginning balance for balance transfers each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all the daily balances for balance transfers during the billing cycle and divide them by the number of days in the billing cycle. This give s Us the average daily transactions balances for balance transfers. To get the average daily balance for cash advances (including convenience checks), We take the beginning balance for cash advances (including convenience checks) each day, add any new cash advances, convenience checks, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances (including convenience checks). Then, We add up all the daily balances for cash advances (including convenience checks) during the billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for cash advances (including convenience checks). The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly applicable Daily Periodic Rate. We will mail Your periodic statement 22 Rate times the number of days prior to in the due date each monthbilling cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due within 25 days of Your statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance Cash advances and balance transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances are Your Platinum Classic Mastercard is subject to a Variable current variable Daily Periodic Rate which is based of 0.022603% - 0.049315% (corresponding to an ANNUAL PERCENTAGE RATE of 8.25% - 18.00%), depending on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled paymentscreditworthiness. Your Interest World Mastercard is subject to a current variable Daily Periodic Rate will never be greater than of 0.036274% - 0.049315% (corresponding to an ANNUAL PERCENTAGE RATE of 13.24% - 18.00%), depending on Your creditworthiness. Your Platinum Secure Mastercard is subject to a variable Daily Periodic Rate of 0.049315% and will apply (corresponding to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratean ANNUAL PERCENTAGE RATE of 18.00%).

Finance Charges. In No finance charge will accrue on new Purchases posted to your Account during a Billing Cycle if you had no Previous Balance at the case beginning of any transactions under Your the Billing Cycle or if you paid the entire New Balance for the previous Billing Cycle by the Payment Due Date shown on the Statement covering such previous Billing Cycle; otherwise a finance charge will accrue from the date a Purchase is posted to your Account. To avoid an additional finance charge on the outstanding balance of Purchases shown on a Statement, you must pay the balances subject entire New Balance by the Payment Due Date shown on that Statement. A finance charge begins to accrue on Advances and on Balance Transfers from the periodic date the Advance or Balance Transfer is posted to your Account. To avoid an additional finance charge on the outstanding balance of Balance Transfers and Advances shown on a Statement, you must pay the entire New Balance by the Payment Due Date of that Statement. Finance Charge Charges are calculated separately for Purchases, for Balance Transfers, and for Advances. The finance charge is computed by applying the Daily Periodic Rate for Purchases to the average daily transactions balances outstanding during balance of Purchases, by applying the month (including new transactions). To get Daily Periodic Rate for Advances to the average daily balancebalance of Advances, We and by applying the Daily Periodic Rate for Balance Transfers to the average daily balance of Balance Transfers. To calculate the average daily balance of Purchases, Advances, or Balance Transfers, we take the beginning outstanding balance of Your Account Purchases, Advances, or Balance Transfers (as applicable) each day, add any new purchasesPurchases, balance transfersAdvances and Balance Transfers (as applicable) posted to your Account that day, cash advances, debit adjustments or other charges and subtract any paymentspayments and/or credits that we apply to the Purchase, credits and unpaid Finance ChargesAdvance, or Balance Transfer balance (as applicable) that day. This gives Us us the daily balancebalances of Purchases, Advances, and Balance Transfers. Then, We we add up all the daily balances of Purchases, all the daily balances of Advances, and all the daily balances of Balance Transfers for all days in the billing cycle Billing Cycle and divide them each total by the number of days in the billing cycleBilling Cycle. The Finance Charge for a billing cycle is computed by multiplying This gives us the average daily balance subject to a Finance Charge of Purchases, the average daily balance of Advances, and the average daily balance of Balance Transfers. To calculate the finance charge for Purchases, we multiply the average daily balance of Purchases by the Monthly Daily Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchasesRate for Purchases, and subsequent purchases from then multiply the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect product by the number of Your regularly scheduled paymentsdays in the Billing Cycle. Your Interest To calculate the finance charge for Advances, we multiply the average daily balance of Advances by the Daily Periodic Rate will never be greater than 18.00% and will apply to Your remaining principal balancefor Advances, then multiply the product by the number of days in the Billing Cycle. To calculate the finance charge for Balance Transfers, we multiply the average daily balance of Balance Transfers by the Daily Periodic Rate for Balance Transfers, then multiply the product by the number of days in the Billing Cycle. If (i) you fail to pay the Index becomes unavailableMinimum Payment by the Payment Due Date during two (2) Billing Cycles in any period of six (6) consecutive Billing Cycles, We may select another Index and Margin which would result (ii) the Debt exceeds the Company’s Credit Limit twice in a substantially similar Interest Rateperiod of six (6) consecutive Billing Cycles, or (iii) you make a payment to us by check or other item that is not honored, we may increase the Annual Percentage Rates for Purchases, for Advances and for Balance Transfers to the Penalty APR shown in the Commercial Card Terms. The increase will remain in effect until, for a period of not less than six (6) consecutive Billing Cycles, you have made at least the Minimum Payments by their Payment Due Dates, and the Debt has not exceeded the Company’s Credit Limit.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. M-126558 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. M-126557 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. FCUPTDC0011-0223 The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances The total outstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your purchases and cash advances on the Account each dayon the closing date of the Billing Cycle, add including any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us FINANCE CHARGE will be shown on the daily balance. Then, We add up all the daily balances Periodic Statement for the that billing cycle and divide them by as the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. “New Balance.” You can avoid Finance Charges FINANCE CHARGES on purchases by paying the full amount of the entire balance owed New Balance of Purchases each month by the payment due within 25 days of your statement closing date. Otherwise, the new balance New Balance of purchasesPurchases, and subsequent purchases from the date they are posted to Your Account, your account will be subject to a Finance ChargeFINANCE CHARGES. Balance transfers and cash Cash advances are always subject to a Finance Charge FINANCE CHARGES from the later of the date they are posted to Your Account or from your account. The FINANCE CHARGE imposed on purchases and cash advances with respect to a Billing Cycle, will be determined by multiplying the first day “Average Daily Balance” of purchases and cash advances for the Billing Cycle by the daily Periodic Rate applicable to your Account. The FINANCE CHARGE for any billing cycle will be the sum of the billing cycle in which FINANCE CHARGE for purchases and the transaction is posted to Your AccountFINANCE CHARGE for cash advances. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC)To get the Average Daily Balance, we take the beginning balance of your Account each day, add any new Purchases and Cash Advances and subtract any payments or credits, unpaid FINANCE CHARGES and unpaid Late Charges. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day We then add up all of the billing cycle that immediately follows any such change in daily balances for the Index. Increases or decreases in Billing Cycle and divide the Interest Rate will cause like increases or decreases in the Finance Charge and will affect total by the number of Your regularly scheduled paymentsdays in the Billing Cycle. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. If This gives us the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest RateAverage Daily Balance.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. M-127633 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them by the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges a FINANCE CHARGE on purchases by paying the full amount of the entire balance owed New Balance of Purchases each month by the payment due within twenty-five (25) days of your statement closing date. Otherwise, the new balance New Balance of purchasesPurchases, and subsequent purchases from the date they are posted to Your Accountyour account, will be subject to a Finance ChargeFINANCE CHARGE. Balance transfers and cash Cash advances are always subject to a Finance Charge FINANCE CHARGE from the later of the date they are posted to Your Account or your account. The FINANCE CHARGE (interest) for your Card will depend on your creditworthiness and your relationship with us and other creditors. The FINANCE CHARGE can range from a periodic rate of .8250% per month (ANNUAL PERCENTAGE RATE OF 9.90%) for more creditworthy members up to a periodic rate of 1.575% per month (ANNUAL PERCENTAGE RATE OF 18.9%) for less creditworthy members on the first day average daily principal balances on the account. We will inform you of the billing cycle in FINANCE CHARGE that will be charged on your card. How we compute the balance upon which the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances periodic FINANCE CHARGES are subject to a Variable Rate which assessed: The FINANCE CHARGE on your account is based on upon the highest Prime Rate as published in Unpaid Average Daily Balance of Purchases and Cash Advances. To get the money rates section of The Wall Street Journal in effect on Average Daily Balance for Purchases, we calculate the last calendar ending unpaid purchase balance for each day of each month of each year ("Index") plus Our Marginby taking the previous day’s unpaid purchase balance and adding any new purchases or other “purchase” debits and then subtracting any payments applied to purchases or other “purchase” credits. The Index plus We then add all the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge ending daily Purchase balances and will affect divide by the number of Your regularly scheduled paymentsdays in the statement cycle to derive the Average Daily Balance for Purchases. Your Interest Rate will never be greater than 18.00% and will apply This figure is multiplied by the monthly periodic rate (1/12 of the APR) to Your remaining principal balanceobtain the purchase FINANCE CHARGE. If you pay your total ending statement balance in full before the Index becomes unavailablenext statement date, we will waive this FINANCE CHARGE calculation, on purchases only, in that statement period. To get the Average Daily Balance for Cash Advances, we calculate the ending unpaid cash advance balance for each day by taking the previous day’s unpaid cash advance balance and adding any new cash advances or other “cash” debits and then subtracting any payments applied to cash advances or other “cash” credits. We may select another Index then add all the ending daily cash balances and Margin which would result divide by the number of days in a substantially similar Interest Ratethe statement cycle to derive the Average Daily Balance for Cash Advances. This figure is multiplied by the monthly periodic rate (1/12 of the APR) to obtain the cash advance FINANCE CHARGE. There is no grace period for Cash Advances. A FINANCE CHARGE accrues on all cash advances (including overdraft advances) from the day the advance is posted until the day the cash advance is repaid.

Finance Charges. In the case of any transactions under on Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). Separate average daily balances are calculated for purchases, balance transfers and cash advances (including Letter Checks). To get the average daily balancebalance for purchases, We take the beginning balance of Your Account for purchases each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balancebalance for purchases. Then, We add up all the daily balances for purchases during the billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for purchases. To get the average daily balance for balance transfers, We take the beginning balance for balance transfers each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all the daily balances for balance transfers during the billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for balance transfers. To get the average daily balance for cash advances (including Letter Checks), We take the beginning balance for cash advances and Letter Checks each day, add any new cash advances and Letter Checks, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances (including Letter Checks). Then, We add up all the daily balances for cash advances (including Letter Checks) during the billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for cash advances (including Letter Checks). The Finance Charge for a billing cycle is computed by multiplying each of the average daily balance balances subject to a Finance Charge by the applicable Monthly Periodic Rate. We will mail The sum of these separate Finance Charge calculations is the Finance Charge You owe for that billing cycle. Your periodic statement 22 days prior to the payment due date is at least 27 days after the close of each monthbilling cycle. You can avoid Finance Charges on purchases each month by paying the full amount of the entire balance owed each month by the payment due datedate reflected in Your periodic statement. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance transfers Transfers and cash advances (including Letter Checks) are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction cash advance is posted to Your Account. Account is established (i.e. 6 months). Upon the expiration of the introductory rate period, the entire balance of transactions existing at that time and in the future will be subject to the non-introductory Monthly Periodic Rate and its corresponding Annual Percentage Rate described elsewhere in this Agreement. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC)RATE. All advances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates Money Rates section of The Wall Street Journal in effect on the last calendar business day of each calendar month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st first day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal balance. If MINIMUM MONTHLY PAYMENT. Though You need only pay the Index becomes unavailableMinimum Monthly Payments, You understand that You have the right to repay Your Account or make larger payments at any time without penalty. You will only be charged periodic Finance Charges to the date You repay Your entire Account balance. Any partial payment or prepayment of Your Account will not delay Your next scheduled payment. All payments to Us must be in lawful money of the United States. Your Periodic Statement will include instructions on where to send Your Minimum Monthly Payment. Payments sent by You to an address other than that which appears on Your statement may be subject to a delay in crediting to Your Account for up to five days after We may select another Index and Margin which would result in a substantially similar Interest Ratereceive Your payment.

Finance Charges. In The Finance Charge Calculation Method applicable to your account for Cash Advances and Credit Purchases of goods and services that you obtain through the case use of your card is explained below: -Credit Purchases - Average Daily Balance (including current transactions). For the Express VISA card only, there is no grace period. All transactions on the Express VISA card begin to accrue interest charges from the posting date. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. For all other HCU credit cards: to avoid incurring an additional Finance Charge on the balance of purchases reflected on your monthly statement and on any transactions under Your Accountnew purchases appearing on your next monthly statement, you must pay the balances subject New Balance shown on your monthly statement on or before the Payment Due Date. The grace period for the New Balance of purchases extends to the periodic Payment Due Date. The Finance Charge Charges for a billing cycle are computed by applying the monthly daily Periodic Rate to the "average daily transactions balances outstanding during the month (including new transactions)balance" of purchases. To get the average daily balance, We we take the beginning balance of Your Account your account each day, add any new purchases, balance transfers, purchases or cash advances, debit adjustments or other charges and subtract any payments, credits credits, non-accruing fees, and unpaid Finance Chargesfinance charges. This gives Us us the daily balance. Then, We Then we add up all the daily balances for the billing cycle and divide them the total by the number of days in the billing cycle. -Cash Advances - Average Daily Balance (including current transactions). The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases begins from the date they are the transaction is posted to Your Accountyour account, will be subject to a and the Finance Charge. Balance transfers and Charge on cash advances are always subject to a Finance Charge begins from the later of date you obtained the date they are posted to Your Account cash advance, or from the first day of the billing cycle in which it is posted to your account, whichever is later. There is no grace period. The Finance Charges for a billing cycle are computed by applying the monthly daily Periodic Rate to the "average daily balance" of your account. To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance 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. Fees are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. -Balance Transfers - Average Daily Balance (including current transactions). The Finance Charge on balance transfers begins from the date the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All your account, and the Finance Charge on cash advances are subject to a Variable Rate which is based on begins from the highest Prime Rate as published in date you obtained the money rates section of The Wall Street Journal in effect on balance transfer, or the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st first day of the billing cycle that immediately follows in which it is posted to your account, whichever is later. There is no grace period. The Finance Charges for a billing cycle are computed by applying the monthly daily Periodic Rate to the "average daily balance" of your account. To get the average daily balance, we take the beginning balance of your account each day, add any such change in new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives us the Indexdaily balance. Increases or decreases in Then we add up all the Interest Rate will cause like increases or decreases in daily balances for the Finance Charge billing cycle and will affect divide the total by the number of Your regularly scheduled paymentsdays in the billing cycle. Your Interest Rate will never be greater than 18.00% and will apply to Your remaining principal Fees are not included in the calculation of the average daily balance. If the Index becomes unavailable, We may select another Index and Margin which would result Finance charge will continue to accrue on your Account until what you owe under this Agreement is paid in a substantially similar Interest Ratefull.

Finance Charges. In the case of any transactions under Your Accounttransactions, the balances subject to the periodic Finance Charge are the separate average daily transactions balances outstanding during the month (including new transactions)) for purchases, cash advances and balance transfers. To get the each average daily balance, We take the beginning balance of Your Account for purchases, cash advances and balance transfers each day, add any new transactions for purchases, cash advances and balance transfers, cash advancestransfers (costs for debt cancellation coverage, debit adjustments or other charges charges, such as collection expenses, as applicable) and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balancebalance(s) for purchases, cash advances and balance transfers. Then, We add up all the separate daily balances for purchases, cash advances and balance transfers for the billing cycle and divide them by the number of days in the billing cyclecycle to arrive at the separate average daily transactions balances for purchases, cash advances and balance transfers. The Finance Charge for a billing cycle is computed by multiplying the each average daily balance subject to a Finance Charge by the Monthly applicable Daily Periodic RateRate times the number of days in the billing cycle, and the sum is the amount of the Finance Charge owed for the billing cycle being accounted for. We will mail Your periodic statement 22 days prior to the due date is at least 25 days after the close of each monthbilling cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance Cash advances and balance transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SAVINGS SECURED VISA CLASSICVISA). All advances are Your Account is subject to a Variable Rate which that is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar 15th day of each calendar month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such a change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% exceed the maximum permitted by law, and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Rate.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. FCUPTDC0017-0921 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). Separate average daily balances are calculated for purchases, balance transfers, and cash advances (including convenience checks). To get the average daily balancebalance for purchases, We take the beginning balance of Your Account for purchases each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balancebalance for purchases. Then, We add up all the daily balances for purchases during the billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for purchases. To get the average daily balance for balance transfers, We take the beginning balance for balance transfers each day, add any new xx xxxxx transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all the daily balances for balance transfers during the billing cycle and divide them by the number of days in the billing cycle. This give s Us the average daily transactions balances for balance transfers. To get the average daily balance for cash advances (including convenience checks), We take the beginning balance for cash advances (including convenience checks) each day, add any new cash advances, convenience checks, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances (including convenience checks). Then, We add up all the daily balances for cash advances (including convenience checks) during the billing cycle and divide them by the number of days in the billing cycle. This gives Us the average daily transactions balances for cash advances (including convenience checks). The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly applicable Daily Periodic Rate. We will mail Your periodic statement 22 Rate times the number of days prior to in the due date each monthbilling cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due within 25 days of Your statement closing date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Balance Cash advances and balance transfers and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances are Your Platinum Classic Mastercard is subject to a Variable current variable Daily Periodic Rate which is based of 0.022603% - 0.049315% (corresponding to an ANNUAL PERCENTAGE RATE of 8.25% - 18.00%), depending on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled paymentscreditworthiness. Your Interest World Mastercard is subject to a current variable Daily Periodic Rate will never be greater than of 0.036274% - 0.049315% (corresponding to an ANNUAL PERCENTAGE RATE of 13.24% - 18.00%), depending on Your creditworthiness. Your Platinum Secure Mastercard is subject to a variable Daily Periodic Rate of 0.049315% and will apply (corresponding to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratean ANNUAL PERCENTAGE RATE of 18.00%).

Finance Charges. In the case of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balancebalance for purchases, We take the beginning balance of purchases on Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balancebalance for purchases. Then, We add up all the these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for purchases. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date is at least 25 days after the close of each monthbilling cycle. You can avoid Finance Charges on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. To get the average daily balance for balance transfers, We take the beginning balance of balance transfers on Your Account each day, add any new balance transfers, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for balance transfers. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for balance transfers. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the balance transfer is posted to Your Account. To get the average daily balance for cash advances, We take the beginning balance of cash advances on Your Account each day, add any new cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance for cash advances. Then, We add up all these daily balances for the billing cycle and divide them by the number of days in the billing cycle. The result is the average daily balance for cash advances. The Finance Charge for a billing cycle is then computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. Cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in which the transaction cash advance is posted to Your Account. The total Finance Charge You owe for each billing cycle is the sum of all the Finance Charges due for the balances of purchases, balance transfers and cash advances. The minimum FINANCE CHARGE that You will be required to pay in any billing cycle that a Finance Charge is due is $0.50. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC)RATE. All advances For purchases, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st first day of the billing cycle that of the month immediately follows following any such change in the Index. Increases For balance transfers, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For cash advances, balances are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last day of each calendar quarter of each year ("Index'') plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle of the month immediately following any such change in the Index. For all balances, increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of Your regularly scheduled payments. Your Interest Rate will never be greater than 18.00% 19.90%, and will apply to Your remaining principal balance. If the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Rate.

Finance Charges. In A finance charge is the case cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending FCUPTDC0012-0223 Disclosures. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of any transactions under Your Account, the balances subject to the periodic Finance Charge are the average daily transactions balances outstanding during the month (including grace period. You also have a 25-day grace period for new transactions)purchases if you did not have a balance on your last statement. To get the average daily balance, We take the beginning balance of Your Account each day, add any new purchases, balance transfers, cash advances, debit adjustments or other charges and subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for The grace period starts on the billing cycle and divide them closing date. If you do not pay the entire New Balance by the number end of days in the billing cycle. The Finance Charge for grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the Monthly Periodic Rate. We will mail Your periodic statement 22 days prior to the due date each month. You can avoid Finance Charges and on purchases by paying the full amount of the entire balance owed each month by the payment due date. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your your Account, . There is no grace period for cash advances. A finance charge will be subject imposed on cash advances from the date the cash advance is posted to a Finance Chargeyour Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of for the billing cycle in which are added and the transaction is posted to Your Account. VARIABLE RATE (EXCEPT VISA CLASSIC AND SECURED VISA CLASSIC). All advances totals are subject to a Variable Rate which is based on the highest Prime Rate as published in the money rates section of The Wall Street Journal in effect on the last calendar day of each month of each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of the billing cycle that immediately follows any such change in the Index. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect divided by the number of Your regularly scheduled paymentsdays in the cycle. Your Interest Rate will never be greater than 18.00% To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and will apply payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to Your remaining principal the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. If Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the Index becomes unavailable, We may select another Index and Margin which would result in a substantially similar Interest Ratetime you make use of such promotion.