Common use of Billing Rights Clause in Contracts

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate Annual Percentage Rate (APR)² for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for Balance Transfers 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge NA NA For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE Transaction Fees *Balance Transfer *Cash Advance NONE NONE NONE NONE Visa® International Service Assessment (ISA) Fee NONE NONE Penalty Fees *Late Payment *Over-the-Credit Limit *Returned Payment Up to $25 NONE NONE Up to $25 NONE NONE ¹ECU Cash Rewards offers a reward program that for every dollar spent (net purchases only), you earn at least 1% cash. Please review your Cardholder Agreement for complete details. ²APR information is accurate as of June 1, 2024, and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® is a federally registered service mark of Visa U.S.A., Inc.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreementthe Cardholder Agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Municipal Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate MUNICIPAL CREDIT UNION VARIABLE RATE VISA – PRICING INFORMATION Annual Percentage Rate (APR)² APR) for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for and Balance Transfers 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based 13.15%. This APR will vary with the market based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ the Prime Rate. APR for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge NA NA If you are charged interest, the charge will be no less than $.50. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for Annual Fee None Transaction Fees • Cash Advance • Foreign Transaction Either $1 or using a credit card, visit the website 3% of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE Transaction Fees *Balance Transfer *Cash Advance NONE NONE NONE NONE Visa® International Service Assessment amount of each cash advance, whichever is greater (ISA) Fee NONE NONE maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees *• Late Payment *Over-the-Credit Limit *• Returned Payment Up to $25 NONE NONE 30 Up to $25 NONE NONE ¹ECU 20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates: Variable rates may change quarterly based upon the movement in the highest prime rate as published in the Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of December 15, 2014 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR would be .03603% and the daily periodic rate for your Cash Rewards offers a reward program that for every dollar spent (net purchases only)Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you earn at least 1% cashwill have a minimum grace period of 25 days with no interest charge on all new purchases and balance transfers. Please review If you have been paying your Cardholder Agreement for complete detailsPurchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. ²APR information There is accurate as of June 1, 2024, and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 no grace period on cash advances or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® any new transaction on your Purchases Account when there is an unpaid balance from a federally registered service mark of Visa U.S.A., Inc.previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreementCardholder Agreement. Minimum Monthly Payment Municipal Credit Union MCU² VISA – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. PRICING INFORMATION Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate Annual Percentage Rate (APR)² APR) for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for and Balance Transfers 10.9016.15% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based This APR will vary with the market based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ the Prime Rate. APR for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers Cash Advances on the transaction date. Minimum Interest Charge NA NA If you are charged interest, the charge will be no less than $.50. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE None Transaction Fees *Balance Transfer *• Cash Advance NONE NONE NONE NONE Visa® International Service Assessment • Foreign Transaction Either $2 or 3% of the amount of each Cash Advance, whichever is greater (ISA) Fee NONE NONE maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees *• Late Payment *Over-the-Credit Limit *• Returned Payment Up to $25 NONE NONE 30 Up to $25 NONE NONE ¹ECU 20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges & Fees? We may increase your interest charges for new transactions based on the movements in the highest prime rate as published in The Wall Street Journal, but not more often than once within any three-month period. We may not charge fees beyond 25% of the total initial credit line (other than penalty fees) during the first year in which your account is opened. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) but not more often than once within any three-month period. We add 8.40% to the Prime Rate to determine the Purchases/Balance Transfers APR. We will notify you of a rate change and the new rate in the billing statement for the month before the increase becomes effective. What Are the Daily Periodic Rates Used to Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate the Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR would be .04425% and the daily periodic rate for your Cash Rewards offers a reward program that for every dollar spent (net purchases only)Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you earn at least 1% cashwill have a minimum grace period of 25 days with no interest charge on all new purchases and balance transfers. Please review If you have been paying your Cardholder Agreement Purchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. There is no grace period on Cash Advances or on any new transaction on your Purchases Account when there is an unpaid balance from a previous bill. How Do We Calculate the Interest Charge? The Interest Charge Calculation Methods applicable to your Purchases and Cash Advances Accounts are as follows: Purchases Account – The Interest Charge for complete detailsa billing cycle is computed by applying the applicable periodic rate to the “average daily balance” of your Purchases Account (which includes balance transfers). ²APR information is accurate as To get the average daily balance, we take the beginning balance of June 1your Purchases Account each day, 2024add any new purchases, or balance transfers, and may change after thatsubtract any payments, credits, unpaid periodic interest charges and other unpaid fees and charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the average daily balance. Finally, we multiply the average daily balance by the daily periodic rate (the APR divided by 365) and the number of days in the billing period. Cash Advances Account – The Interest Charge for a billing cycle is computed by applying the applicable periodic rate to the “average daily balance” of your Cash Advances Account. To find out what may have changedget the average daily balance, write to ECUwe take the beginning balance of your Cash Advances Account each day, P.O. Box 1989add any new Cash Advances, Kingsportand subtract any payments, TN 37662 or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank unpaid periodic interest charges and Trust Companies for comparative information on interest rates, charges, other unpaid fees and grace periodscharges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the average daily balance. Finally, at State we multiply the average daily balance by the daily periodic rate (the APR divided by 365) and the number of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® is a federally registered service mark of Visa U.S.A., Inc.days in the billing period.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreementthe Cardholder Agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Municipal Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate MUNICIPAL CREDIT UNION VISA PLATINUM – PRICING INFORMATION Annual Percentage Rate (APR)² APR) for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for and Balance Transfers 10.9010.15%, 11.65% to a Maximum fixed rate 18.00or 13.15% 12.90% to a Maximum fixed rate 17.90% Based based on your creditworthiness Based at account opening. These APRs will vary with the market based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ the Prime Rate. APR for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers Cash Advances on the transaction date. Minimum Interest Charge NA NA If you are charged interest, the charge will be no less than $.50. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for Annual Fee None Transaction Fees  Cash Advance  Foreign Transaction Either $1 or using a credit card, visit the website $2 (depending on your creditworthiness) or 3% of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE Transaction Fees *Balance Transfer *amount of each Cash Advance NONE NONE NONE NONE Visa® International Service Assessment Advance, whichever is greater (ISA) Fee NONE NONE maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees * Late Payment *Over-the-Credit Limit * Returned Payment Up to $25 NONE NONE 30 Up to $25 NONE NONE ¹ECU 20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 6.90%, 8.40% or 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2020 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, would be .03192%, .03603% or .04014%, respectively and the daily periodic rate for your Cash Rewards offers a reward program that for every dollar spent (net purchases only)Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you earn at least 1% cashwill have a minimum grace period of 25 days with no interest charge on all new Purchases and Balance Transfers. Please review If you have been paying your Cardholder Agreement for complete detailsPurchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. ²APR information There is accurate as of June 1, 2024, and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 no grace period on Cash Advances or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® any new transaction on your Purchases Account when there is an unpaid balance from a federally registered service mark of Visa U.S.A., Inc.previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate Annual Percentage Rate (APR)² for Purchases 10.90% to a Maximum fixed rate 18.00% Based on creditworthiness 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for Balance Transfers 10.90% to a Maximum fixed rate 18.00% Based on creditworthiness 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ for Cash Advances 10.90% to a Maximum fixed rate 18.00% Based on creditworthiness 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge NA NA For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE Transaction Fees *Balance Transfer *Cash Advance NONE NONE NONE NONE Visa® International Service Assessment (ISA) Fee NONE NONE Penalty Fees *Late Payment *Over-the-Credit Limit *Returned Payment Up to $25 NONE NONE Up to $25 NONE NONE ¹ECU Cash Rewards offers a reward program that for every dollar spent (net purchases only), you earn at least 1% cash. Please review your Cardholder Agreement for complete details. ²APR information is accurate as of June 1March 10, 2024, 2021 and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989X.X. Xxx 0000, KingsportXxxxxxxxx, TN 37662 XX 00000 or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181X.X. Xxx 00000, SpringfieldXxxxxxxxxxx, IL 62791 XX 00000 or 000-000-0000. Visa® is a federally registered service mark xxxx of Visa U.S.A., Inc.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreementCardholder Agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Municipal Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate MUNICIPAL CREDIT UNION VISA GOLD – PRICING INFORMATION Annual Percentage Rate (APR)² APR) for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for and Balance Transfers 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based 12.15%. This APR will vary with the market based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ the Prime Rate. APR for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers Cash Advances on the transaction date. Minimum Interest Charge NA NA If you are charged interest, the charge will be no less than $.50. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for Annual Fee None Transaction Fees • Cash Advance • Foreign Transaction Either $2 or using a credit card, visit the website 3% of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE Transaction Fees *Balance Transfer *amount of each Cash Advance NONE NONE NONE NONE Visa® International Service Assessment Advance, whichever is greater (ISA) Fee NONE NONE maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees *• Late Payment *Over-the-Credit Limit *• Returned Payment Up to $25 NONE NONE 30 Up to $25 NONE NONE ¹ECU 20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add 8.40% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2017 was 3.75%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR would be .03329% and the daily periodic rate for your Cash Rewards offers a reward program that for every dollar spent (net purchases only)Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you earn at least 1% cashwill have a minimum grace period of 25 days with no interest charge on all new purchases and balance transfers. Please review If you have been paying your Cardholder Agreement for complete detailsPurchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. ²APR information There is accurate as of June 1, 2024, and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 no grace period on Cash Advances or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® any new transaction on your Purchases Account when there is an unpaid balance from a federally registered service mark of Visa U.S.A., Inc.previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreementCardholder Agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Municipal Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate MUNICIPAL CREDIT UNION VARIABLE RATE VISA – PRICING INFORMATION Annual Percentage Rate (APR)² APR) for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for and Balance Transfers 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based 14.40%. This APR will vary with the market based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ the Prime Rate. APR for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers Cash Advances on the transaction date. Minimum Interest Charge NA NA If you are charged interest, the charge will be no less than $.50. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for Annual Fee None Transaction Fees • Cash Advance • Foreign Transaction Either $1 or using a credit card, visit the website 3% of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE Transaction Fees *Balance Transfer *amount of each Cash Advance NONE NONE NONE NONE Visa® International Service Assessment Advance, whichever is greater (ISA) Fee NONE NONE maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees *• Late Payment *Over-the-Credit Limit *• Returned Payment Up to $25 NONE NONE 30 Up to $25 NONE NONE ¹ECU 20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add 9.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of December 15, 2017 was 4.50%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR would be .03945% and the daily periodic rate for your Cash Rewards offers a reward program that for every dollar spent (net purchases only)Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you earn at least 1% cashwill have a minimum grace period of 25 days with no interest charge on all new purchases and balance transfers. Please review If you have been paying your Cardholder Agreement for complete detailsPurchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. ²APR information There is accurate as of June 1, 2024, and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 no grace period on Cash Advances or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® any new transaction on your Purchases Account when there is an unpaid balance from a federally registered service mark of Visa U.S.A., Inc.previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreementthe Cardholder Agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx MCU² 3/15 Municipal Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate MCU² VISA – PRICING INFORMATION Annual Percentage Rate (APR)² APR) for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for and Balance Transfers 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based 11.65%. This APR will vary with the market based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ the Prime Rate. APR for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge NA NA If you are charged interest, the charge will be no less than $.50. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for Annual Fee None Transaction Fees • Cash Advance • Foreign Transaction Either $2 or using a credit card, visit the website 3% of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE Transaction Fees *Balance Transfer *Cash Advance NONE NONE NONE NONE Visa® International Service Assessment amount of each cash advance, whichever is greater (ISA) Fee NONE NONE maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees *• Late Payment *Over-the-Credit Limit *• Returned Payment Up to $25 NONE NONE 30 Up to $25 NONE NONE ¹ECU 20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates: Variable rates may change quarterly based upon the movement in the highest prime rate as published in the Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add 8.40% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2015 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR would be .03192% and the daily periodic rate for your Cash Rewards offers a reward program that for every dollar spent (net purchases only)Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you earn at least 1% cashwill have a minimum grace period of 25 days with no interest charge on all new purchases and balance transfers. Please review If you have been paying your Cardholder Agreement for complete detailsPurchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. ²APR information There is accurate as of June 1, 2024, and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 no grace period on cash advances or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® any new transaction on your Purchases Account when there is an unpaid balance from a federally registered service mark of Visa U.S.A., Inc.previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreementthe Cardholder Agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Municipal Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate MUNICIPAL CREDIT UNION VISA PLATINUM – PRICING INFORMATION Annual Percentage Rate (APR)² APR) for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for and Balance Transfers 10.908.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based or 10.15%. This APR will vary with the market based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ the Prime Rate. APR for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers Cash Advances on the transaction date. Minimum Interest Charge NA NA If you are charged interest, the charge will be no less than $.50. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for Annual Fee None Transaction Fees • Cash Advance • Foreign Transaction Either $2 or using a credit card, visit the website 3% of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE Transaction Fees *Balance Transfer *amount of each Cash Advance NONE NONE NONE NONE Visa® International Service Assessment Advance, whichever is greater (ISA) Fee NONE NONE maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees *• Late Payment *Over-the-Credit Limit *• Returned Payment Up to $25 NONE NONE 30 Up to $25 NONE NONE ¹ECU 20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates: Variable rates may change quarterly based upon the movement in the highest prime rate as published in the Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, either 5.65% or 6.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2015 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, would be either .02438% or .02781% and the daily periodic rate for your Cash Rewards offers a reward program that for every dollar spent (net purchases only)Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you earn at least 1% cashwill have a minimum grace period of 25 days with no interest charge on all new Purchases and Balance Transfers. Please review If you have been paying your Cardholder Agreement for complete detailsPurchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. ²APR information There is accurate as of June 1, 2024, and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 no grace period on Cash Advances or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® any new transaction on your Purchases Account when there is an unpaid balance from a federally registered service mark of Visa U.S.A., Inc.previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreementthe Cardholder Agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx TRV COMB 5/20 Municipal Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate MUNICIPAL CREDIT UNION TRUE REWARDS VISA – PRICING INFORMATION Annual Percentage Rate (APR)² APR) for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for and Balance Transfers 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based 12.40%, 13.65%, 15.15%, or 16.90%, based on your creditworthiness Based at account opening. These APRs will vary with the market based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ Prime Rate. APR for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers Cash Advances on the transaction date. Minimum Interest Charge NA NA If you are charged interest, the charge will be no less than $.50. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for Annual Fee None Transaction Fees  Balance Transfers  Cash Advances  Foreign Transactions Either $2 or using a credit card, visit the website 3% of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE Transaction Fees *amount of each Balance Transfer *Transfer, whichever is greater. Either $2 or 3% of the amount of each Cash Advance NONE NONE NONE NONE Visa® International Service Assessment Advance, whichever is greater (ISA) Fee NONE NONE maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees * Late Payment *Over-the-Credit Limit * Returned Payment Up to $25 NONE NONE 30 Up to $25 NONE NONE ¹ECU 20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges & Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, 9.15%, 10.40%, 11.90% or 13.65% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2020 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will TRV 5/20 increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, would be .03808%, .04151%, .04562% or .05041% and the daily periodic rate for your Cash Rewards offers a reward program that for every dollar spent (net purchases only)Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you earn at least 1% cashwill have a minimum grace period of 25 days with no interest charge on all new Purchases and Balance Transfers. Please review If you have been paying your Cardholder Agreement for complete detailsPurchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. ²APR information There is accurate as of June 1, 2024, and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 no grace period on Cash Advances or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® any new transaction on your Purchases Account when there is an unpaid balance from a federally registered service mark of Visa U.S.A., Inc.previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your account agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in fullCredit Card Agreement. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate Annual Percentage Rate (APR)² APR) for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for Balance Transfers 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ for Transfers, and Cash Advances 10.9010.25% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based This APR will vary with the market based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multi currency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum Rewards C Pricing Effective 3/19/2020 How We Will Calculate Your Balance: We use a method called “a verage daily balance (including new purchases).” See your Credit Card Agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to e xercise those rights i s provided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 11.25% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge NA NA For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE None Transaction Fees *Balance Transfer *Cash Advance NONE NONE NONE NONE Visa® International Service Assessment (ISA) Fee NONE NONE Penalty Fees *Late Payment *Over-the-Credit Limit *Returned Payment Up to $25 NONE NONE Up to $25 NONE NONE ¹ECU Cash Rewards offers a reward program that for every dollar spent (net purchases only), you earn at least • Foreign Transaction 1% cashof each transaction in U.S. dollars for multi currency transactions. Please review your Cardholder Agreement 0.80% of each transaction in U.S. dollars for complete details. ²APR information is accurate as of June 1, 2024, and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® is a federally registered service mark of Visa U.S.A., Inc.single currency transactions.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreementthe Cardholder Agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Municipal Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate MUNICIPAL CREDIT UNION VISA GOLD – PRICING INFORMATION Annual Percentage Rate (APR)² APR) for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for and Balance Transfers 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based 11.65%. This APR will vary with the market based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ the Prime Rate. APR for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge NA NA If you are charged interest, the charge will be no less than $.50. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for Annual Fee None Transaction Fees • Cash Advance • Foreign Transaction Either $2 or using a credit card, visit the website 3% of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE Transaction Fees *Balance Transfer *Cash Advance NONE NONE NONE NONE Visa® International Service Assessment amount of each cash advance, whichever is greater (ISA) Fee NONE NONE maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees *• Late Payment *Over-the-Credit Limit *• Returned Payment Up to $25 NONE NONE 30 Up to $25 NONE NONE ¹ECU 20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates: Variable rates may change quarterly based upon the movement in the highest prime rate as published in the Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add 8.40% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of December 15, 2014 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR would be .03192% and the daily periodic rate for your Cash Rewards offers a reward program that for every dollar spent (net purchases only)Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you earn at least 1% cashwill have a minimum grace period of 25 days with no interest charge on all new purchases and balance transfers. Please review If you have been paying your Cardholder Agreement for complete detailsPurchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. ²APR information There is accurate as of June 1, 2024, and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 no grace period on cash advances or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® any new transaction on your Purchases Account when there is an unpaid balance from a federally registered service mark of Visa U.S.A., Inc.previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate Annual Percentage Rate (APR)² for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for Balance Transfers 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge NA NA For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE Transaction Fees *Balance Transfer *Cash Advance NONE NONE NONE NONE Visa® International Service Assessment (ISA) Fee NONE NONE Penalty Fees *Late Payment *Over-the-Credit Limit *Returned Payment Up to $25 NONE NONE Up to $25 NONE NONE ¹ECU Cash Rewards offers a reward program that for every dollar spent (net purchases only), you earn at least 1% cash. Please review your Cardholder Agreement for complete details. ²APR information is accurate as of June November 1, 2024, 2023 and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® is a federally registered service mark of Visa U.S.A., Inc.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreementthe Cardholder Agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Combined VP-2 12/14 Municipal Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate MUNICIPAL CREDIT UNION VISA PLATINUM – PRICING INFORMATION Annual Percentage Rate (APR)² APR) for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for and Balance Transfers 10.908.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based or 10.15%. This APR will vary with the market based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ the Prime Rate. APR for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers Cash Advances on the transaction date. Minimum Interest Charge NA NA If you are charged interest, the charge will be no less than $.50. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for Annual Fee None Transaction Fees • Cash Advance • Foreign Transaction Either $2 or using a credit card, visit the website 3% of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE Transaction Fees *Balance Transfer *amount of each Cash Advance NONE NONE NONE NONE Visa® International Service Assessment Advance, whichever is greater (ISA) Fee NONE NONE maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees *• Late Payment *Over-the-Credit Limit *• Returned Payment Up to $25 NONE NONE 30 Up to $25 NONE NONE ¹ECU 20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates: Variable rates may change quarterly based upon the movement in the highest prime rate as published in the Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add, depending on your creditworthiness, either 5.65% or 6.90% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of December 15, 2014 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR, would be either .02438% or .02781% and the daily periodic rate for your Cash Rewards offers a reward program that for every dollar spent (net purchases only)Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you earn at least 1% cashwill have a minimum grace period of 25 days with no interest charge on all new Purchases and Balance Transfers. Please review If you have been paying your Cardholder Agreement for complete detailsPurchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. ²APR information There is accurate as of June 1, 2024, and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 no grace period on Cash Advances or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® any new transaction on your Purchases Account when there is an unpaid balance from a federally registered service mark of Visa U.S.A., Inc.previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreementCardholder Agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Municipal Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate MCU² VISA – PRICING INFORMATION Annual Percentage Rate (APR)² APR) for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for and Balance Transfers 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based 11.65%. This APR will vary with the market based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ the Prime Rate. APR for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases Purchases and Balance Transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers Cash Advances on the transaction date. Minimum Interest Charge NA NA If you are charged interest, the charge will be no less than $.50. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for Annual Fee None Transaction Fees  Cash Advance  Foreign Transaction Either $2 or using a credit card, visit the website 3% of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE Transaction Fees *Balance Transfer *amount of each Cash Advance NONE NONE NONE NONE Visa® International Service Assessment Advance, whichever is greater (ISA) Fee NONE NONE maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees * Late Payment *Over-the-Credit Limit * Returned Payment Up to $25 NONE NONE 30 Up to $25 NONE NONE ¹ECU 20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges & Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates? Variable rates may change quarterly based upon the movement in the highest prime rate as published in The Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add 8.40% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of March 15, 2020 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR would be .03603% and the daily periodic rate for your Cash Rewards offers a reward program that for every dollar spent (net purchases only)Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you earn at least 1% cashwill have a minimum grace period of 25 days with no interest charge on all new purchases and balance transfers. Please review If you have been paying your Cardholder Agreement for complete detailsPurchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. ²APR information There is accurate as of June 1, 2024, and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 no grace period on Cash Advances or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® any new transaction on your Purchases Account when there is an unpaid balance from a federally registered service mark of Visa U.S.A., Inc.previous bill.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate Card Disclosure INTEREST RATES AND INTEREST CHARGES Annual Percentage Rate Credit Score 690+ 640 – 689 610 – 639 Below 610 (APR)² APR) for Purchases 10.90purchases Annual Percentage 11.99% to a Maximum fixed 12.99% 15.99% 16.99% Rate We will tell you in writing which rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based applies upon approval of your application. Rate based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² credit score. APR for Balance Transfers 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ The same Annual Percentage Rate listed for purchases above. APR for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness The same Annual Percentage Rate listed for purchases above. Penalty APR and When It Applies NA NA PAYING INTEREST 16.99% This APR may be applied to your account if you: 1) Make a late payment; 2) Go over your credit limit; 3) Make a payment that is returned; or 4) Do any of the above on another account that you have with us. How Long Will the Penalty APR Apply? If your APR is increased for any of these reasons, the Penalty APR will apply until you make 6 consecutive minimum payments when due. How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge NA NA If you are charged interest, the charge will be no less than $1.50. For Credit Card Tips from the Consumer Financial Protection Bureau Federal Reserve Board To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau Federal Reserve Board at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for xxxx://xxx.xxxxxxxxxxxxxx.xxx/creditcard. FEES · Annual Fee None Transaction Fees · Balance Transfer · Cash Advance · Foreign Transaction Fees Either $5 or using a credit card, visit the website 3% of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE Transaction Fees *Balance Transfer *Cash Advance NONE NONE NONE NONE Visa® International Service Assessment (ISA) Fee NONE NONE Penalty Fees *Late Payment *Over-the-Credit Limit *Returned Payment Up to amount of each transfer, whichever is greater. Maximum fee $25 NONE NONE Up to 100. Either $25 NONE NONE ¹ECU Cash Rewards offers a reward program that for every dollar spent (net purchases only)5 or 3% of the amount of each transfer, you earn at least whichever is greater. 1% cashfor currency conversion. 0.8% for non-currency conversion. $1.25 ATM cash disbursement fee at surcharge-free ATMs $0.50 ATM cash disbursement fee at surcharge ATMs Please review your Cardholder Agreement refer to Section 12, Foreign Transactions for complete details. ²APR information is accurate as of June 1, 2024, and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® is a federally registered service mark of Visa U.S.A., Inc.more information.

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is i s provided in your account agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in fullCredit Card Agreement. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate Annual Percentage Rate (APR)² APR) for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for Balance Transfers 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ for Transfers, and Cash Advances 10.907.25% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based This APR will vary with the market based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers transfer s on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge NA NA For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee None Transaction Fees • Foreign Transaction 1% of each transaction in U.S. dollars for multi currency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees • Late Payment $15 Platinum B Pricing Effective 3/19/2020 How We Will Calculate Your Balance: We use a method called “a verage daily balance (including new purchases).” See your Credit Card Agreement for more details. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights i s p rovided in your Credit Card Agreement. Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Balance Transfers, and Cash Advances 8.25% This APR will vary with the market based on the Prime Rate. Paying Interest Your due date is at least 25 days after the close of each billing cycle. We wil l not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE None Transaction Fees *Balance Transfer *Cash Advance NONE NONE NONE NONE Visa® International Service Assessment (ISA) Fee NONE NONE • Foreign Transaction 1% of each transaction in U.S. dollars for multi currency transactions. 0.80% of each transaction in U.S. dollars for single currency transactions. Penalty Fees *• Late Payment *Over-the-$15 Platinum Rewards B Pricing Effective 3/19/2020 How We Will Calculate Your Balance: We use a method called “a verage daily balance (i ncluding new purchases).” See your Credit Limit *Returned Payment Up to $25 NONE NONE Up to $25 NONE NONE ¹ECU Cash Rewards offers a reward program that for every dollar spent (net purchases only), you earn at least 1% cash. Please review your Cardholder Card Agreement for complete more details. ²APR information is accurate as of June 1, 2024, and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® is a federally registered service mark of Visa U.S.A., Inc..

Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreementthe Cardholder Agreement. Minimum Monthly Payment – 2.5% of your new balance, but at least $25.00. Balances under $25.00 must be paid in full. Interest Rates and Interest Charges PROGRAM CLASSIC SECURE FIXED Xxxxxxx MCU² 12/14 Municipal Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. ECU CASH REWARDS¹ FIXED Xxxxxxx Credit Union will set your fixed APR based on your creditworthiness. You will be informed of your specific APR before you become contractually liable for the account. Minimum fixed rate Minimum fixed rate MCU² VISA – PRICING INFORMATION Annual Percentage Rate (APR)² APR) for Purchases 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR² for and Balance Transfers 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based 11.65%. This APR will vary with the market based on creditworthiness Based on creditworthiness Minimum fixed rate Minimum fixed rate APR¹ the Prime Rate. APR for Cash Advances 10.90% to a Maximum fixed rate 18.00% 12.90% to a Maximum fixed rate 17.90% Based on creditworthiness Based on creditworthiness Penalty APR and When It Applies NA NA PAYING INTEREST Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases and balance transfers if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date. Minimum Interest Charge NA NA If you are charged interest, the charge will be no less than $.50. For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore To learn more about factors to consider when applying for Annual Fee None Transaction Fees • Cash Advance • Foreign Transaction Either $2 or using a credit card, visit the website 3% of the Consumer Financial Protection Bureau at xxxx://xxx.xxxxxxxxxxxxxxx.xxx/learnmore Fees Annual Fee NONE NONE Transaction Fees *Balance Transfer *Cash Advance NONE NONE NONE NONE Visa® International Service Assessment amount of each cash advance, whichever is greater (ISA) Fee NONE NONE maximum $30.00). 1% of each transaction in U.S. dollars. Penalty Fees *• Late Payment *Over-the-Credit Limit *• Returned Payment Up to $25 NONE NONE 30 Up to $25 NONE NONE ¹ECU 20 How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See How Do We Calculate the Interest Charge? below for more details. Other Things You Should Know Can We Increase Interest Charges And Fees? We may increase your interest charges for new transactions and your fees after the first year of the account. We may change any other terms of your account at any time. We will give you notice of any changes as required by law. How Do We Calculate Variable Rates: Variable rates may change quarterly based upon the movement in the highest prime rate as published in the Wall Street Journal (the “Prime Rate”) on March 15th, June 15th, September 15th and December 15th of each year (the “index dates”). We add 8.40% to the Prime Rate on each index date to determine the Purchases/Balance Transfers APR. A change in the APR resulting from a change in the index on any of the above index dates will be effective as of the beginning of your billing period in the May, August, November or February next following that index date. The Prime Rate as of December 15, 2014 was 3.25%. What Are the Daily Periodic Rates Used To Calculate Your Interest? We determine your daily periodic rate by dividing the corresponding Annual Percentage Rate by 365 and round to the nearest 1/100,000th of 1%. If the daily periodic rates and corresponding Annual Percentage Rates increase, the interest charge will increase and our minimum payment may be greater. See How Do We Calculate The Interest Charge? below for more details. Based on the rates set forth in the above table, the daily periodic rate for your Purchases/Balance Transfers APR would be .03192% and the daily periodic rate for your Cash Rewards offers a reward program that for every dollar spent (net purchases only)Advances APR would be .04904%. How Can You Avoid Paying Interest Charges? Each month you pay your “New Balance” of Purchases in full by the due date, you earn at least 1% cashwill have a minimum grace period of 25 days with no interest charge on all new purchases and balance transfers. Please review If you have been paying your Cardholder Agreement for complete detailsPurchases Account in full with no interest charges applied and you do not pay your next bill in full, prorated interest charges will be assessed. ²APR information There is accurate as of June 1, 2024, and may change after that. To find out what may have changed, write to ECU, P.O. Box 1989, Kingsport, TN 37662 no grace period on cash advances or call 000-000-0000 or 000-000-0000. Illinois residents may contact the Illinois Commissioner of Bank and Trust Companies for comparative information on interest rates, charges, fees and grace periods, at State of Illinois CIP, P.O. Box 10181, Springfield, IL 62791 or 000-000-0000. Visa® any new transaction on your Purchases Account when there is an unpaid balance from a federally registered service mark of Visa U.S.A., Inc.previous bill.