Common use of Finance Charges Clause in Contracts

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the time you make use of such promotion.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following fol- lowing describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase pur- chase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted permit- xxx by Credit Union from time to time in Credit Union’s sole discretion discre- tion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average av- erage daily balance, the daily balances for purchases and cash advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added to the day’s beginning begin- ning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted; howeverhow- ever, new purchases are not added if you paid the entire New Balance Bal- ance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account Ac- count until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion promo- tion terms and conditions will be disclosed to before or at the time you make use of such promotion.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. FINANCE CHARGES will be calculated on your Account purchases and balance transfers based on a variable Monthly Periodic Rate and a corresponding variable ANNUAL PERCENTAGE RATE that are determined by the Credit Union as follows: Credit Union starts with an independent index (the “Index”), which is The Wall Street Journal Prime Rate; when a range of rates has been published, the highest rate will be used. To determine the Monthly Periodic Rate that will apply to your Account, Credit Union adds a Margin of to the value of the Index. Your Margin is based on your creditworthiness; your specific Margin, ANNUAL PERCENTAGE RATE and corresponding Monthly Periodic Rate will be disclosed to you in other Truth-in-Lending disclosures. Credit Union then divides this sum by the number of months in a year (12). Credit Union then multiplies the Monthly Periodic Rate by the number of months in a year (12); the result is the ANNUAL PERCENTAGE RATE. The Monthly Periodic Rate and ANNUAL PERCENTAGE RATE can change each year based on changes in the Index; the Credit Union will select the date of each year to choose the new Index value in Credit Union’s sole discretion. All changes in the Monthly Periodic Rate and ANNUAL PERCENTAGE RATE will be based on application of the Margin and the Index. All changes to the Monthly Periodic Rate and ANNUAL PERCENTAGE RATE will be effective on the first day of the first billing cycle following Credit Union’s changes to the Monthly Periodic Rate and ANNUAL PERCENTAGE RATE. There is no limit on the amount by which the Monthly Periodic Rate and ANNUAL PERCENTAGE RATE can change during any period or the term of your Account. The maximum ANNUAL PERCENTAGE RATE that can apply is 18.00% or the maximum permitted by law, whichever is less. FINANCE CHARGES will be calculated on your Account cash advances based on the ANNUAL PERCENTAGE RATE disclosed to you in other Truth-in- Lending disclosures and the corresponding Monthly Periodic Rate. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the time you make use of such promotion.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges FINANCE CHARGES on your Account are calculated by applying the applicable Monthly monthly Periodic Rate to the average daily balances for purchases Purchases and cash advancesCash Advances. Separate average daily balances are calculated for purchases Purchases and cash advancesCash Advances. Your monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE for Purchases, Balance Transfers and Cash Advances are as set forth in the Account Opening Disclosure provided to you under separate cover, the terms of which are incorporated herein by reference. To get each average daily balance, the daily balances for purchases Purchases and cash advances Cash Advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advancesCash Advances, new cash advances Cash Advances are added to the day’s 's beginning balance and payments payments, credits and credits any unpaid interest or other finance charges are subtracted. To get the daily balance for purchasesPurchases, new purchases Purchases are added to the day’s 's beginning balance and payments payments, credits and credits any unpaid interest or other finance charges are subtracted; however, new purchases Purchases are not added if you paid the entire New Balance for Purchases on your last statement by the end of the grace period or if you did not have a Purchase balance on your last statement. Fees Cash Advances -The FINANCE CHARGE on Cash Advances is calculated in accordance with the following method: A Finance charge will be imposed on Cash Advances from the date made or from the first day in which the Cash Advance is posted to your account, whichever is later, and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account the average daily balance of such Cash Advances until what you owe under this Agreement the balance is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time There is no grace period on Cash Advances. Purchases -The FINANCE CHARGE on Purchases is calculated in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions accordance with the following method: A FINANCE CHARGE will be disclosed imposed on Purchases only if you elect not to before or at pay the time entire New Balance shown on your monthly statement for the previous billing cycle within twenty five (25) days from the closing date of that statement. If you make use elect to pay less than the entire New Balance shown on your previous monthly statement within that twenty five (25) day period, a Finance Charge will be imposed on the average daily balance of such promotionPurchases from the previous statement closing date and on new Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the previous statement closing date and on new Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than twenty five (25) days from the closing date.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges FINANCE CHARGES on your Account are calculated by applying the applicable Monthly monthly Periodic Rate to the average daily balances for purchases Purchases and cash advancesCash Advances. Separate average daily balances are calculated for purchases Purchases and cash advancesCash Advances. Your monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE for Purchases, Balance Transfers and Cash Advances are as set forth in the Account Opening Disclosure provided to you at the time of the delivery of this Agreement, the terms of which are incorporated herein by reference. To get each average daily balance, the daily balances for purchases Purchases and cash advances Cash Advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advancesCash Advances, new cash advances Cash Advances are added to the day’s 's beginning balance and payments payments, credits and credits any unpaid interest or other finance charges are subtracted. To get the daily balance for purchasesPurchases, new purchases Purchases are added to the day’s 's beginning balance and payments payments, credits and credits any unpaid interest or other finance charges are subtracted; however, new purchases Purchases are not added if you paid the entire New Balance for Purchases on your last statement by the end of the grace period or if you did not have a Purchase balance on your last statement. Fees Cash Advances -The FINANCE CHARGE on Cash Advances is calculated in accordance with the following method: A Finance charge will be imposed on Cash Advances from the date made or from the first day in which the Cash Advance is posted to your account, whichever is later, and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account the average daily balance of such Cash Advances until what you owe under this Agreement the balance is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time There is no grace period on Cash Advances. Purchases -The FINANCE CHARGE on Purchases is calculated in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions accordance with the following method: A FINANCE CHARGE will be disclosed imposed on Purchases only if you elect not to before or at pay the time entire New Balance shown on your monthly statement for the previous billing cycle within twenty five (25) days from the closing date of that statement. If you make use elect to pay less than the entire New Balance shown on your previous monthly statement within that twenty five (25) day period, a Finance Charge will be imposed on the average daily balance of such promotionPurchases from the previous statement closing date and on new Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the previous statement closing date and on new Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than twenty five (25) days from the closing date.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace periodpe- riod. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances bal- ances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advancesadvanc- es. To get each average daily balance, the daily balances for purchases and cash advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances advanc- es are added to the day’s beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account Ac- count until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed dis- closed to before or at the time you make use of such promotion.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees New purchases posted to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the during a billing cycle will not incur a finance charge will be calculated on for that billing cycle if you had a zero or credit balance at the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if beginning of that billing cycle or you paid the entire New Balance on your last the previous cycle's billing statement by the end Payment Due Date of that statement; otherwise a finance charge will accrue from the grace perioddate a purchase is posted to your account. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts To avoid an additional finance charge on the billing cycle closing date. If balance of purchases, you do not must pay the entire New Balance on the billing statement by the end Payment Due Date of the grace period, a that statement. A finance charge will be imposed begins to accrue on cash advances from the unpaid balance date you get the cash advance or from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date in which the cash advance is posted to your Accountaccount, whichever is later (transaction date). Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and The finance charge calculations. Finance charges on your Account are is calculated by applying the applicable Monthly Periodic Rate to the average daily balances separately for purchases and cash advances. Separate For purchases, the finance charge is computed by applying the periodic rate to the average daily balances are calculated for purchases and cash advancesbalance of purchases. To get each the average daily balancebalance of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us the daily balance of purchases. Then we add all the daily balances for of purchases and cash advances for the billing cycle are added together and divide the totals are divided total by the number of days in the billing cycle. This gives us the average daily balance of purchases. For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash advances. To get the average daily balance for of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances are added advances, and subtract any payments and/or credits that we apply to the day’s beginning balance and payments and credits are subtractedcash advance balance. To get This gives us the daily balance of cash advances. We then add all the daily balances of cash advances for purchases, new purchases are added to the day’s beginning balance billing cycle together and payments and credits are subtracted; however, new purchases are not added if you paid divide the entire New Balance on your last statement total by the end number of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included days in the calculation of billing cycle. This gives us the average daily balancebalance of cash advances. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid Balance transfers are calculated in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretionthe same manner as cash advances. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion your Card is based on certain credit-worthiness criteria. Member's APR may be reviewed and any promotion terms and conditions changed twice a year based upon credit history. The monthly Periodic Rate that will be disclosed apply to before or at the time you make use your VISA Platinum Card is (*see below) % that is an ANNUAL PERCENTAGE RATE of such promotion(*see below) %.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending FCUPTDC0012-0223 Disclosures. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the time you make use of such promotion.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. M-126557 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the time you make use of such promotion.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. FCUPTDC0011-0223 The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the time you make use of such promotion.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges FINANCE CHARGES on your Account are calculated by applying the applicable Monthly monthly Periodic Rate to the average daily balances for purchases Purchases and cash advancesCash Advances. Separate average daily balances are calculated for purchases Purchases and cash advancesCash Advances. Your monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE for Purchases, Balance Transfers and Cash Advances are as set forth in the Account Opening Disclosure provided to you under separate cover, the terms of which are incorporated herein by reference. To get each average daily balance, the daily balances for purchases Purchases and cash advances Cash Advances for the billing cycle are added and the totals are divided by the number of days in the cycle. cycle To get the daily balance for cash advancesCash Advances, new cash advances Cash Advances are added to the day’s 's beginning balance and payments payments, credits and credits any unpaid interest or other finance charges are subtracted. To get the daily balance for purchasesPurchases, new purchases Purchases are added to the day’s 's beginning balance and payments payments, credits and credits any unpaid interest or other finance charges are subtracted; however, new purchases Purchases are not added if you paid the entire New Balance for Purchases on your last statement by the end of the grace period or if you did not have a Purchase balance on your last statement. Fees Cash Advances -The FINANCE CHARGE on Cash Advances is calculated in accordance with the following method: A Finance charge will be imposed on Cash Advances from the date made or from the first day in which the Cash Advance is posted to your account, whichever is later, and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account the average daily balance of such Cash Advances until what you owe under this Agreement the balance is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time There is no grace period on Cash Advances. Purchases -The FINANCE CHARGE on Purchases is calculated in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions accordance with the following method: A FINANCE CHARGE will be disclosed imposed on Purchases only if you elect not to before or at pay the time entire New Balance shown on your monthly statement for the previous billing cycle within twenty five (25) days from the closing date of that statement. If you make use elect to pay less than the entire New Balance shown on your previous monthly statement within that twenty five (25) day period, a Finance Charge will be imposed on the average daily balance of such promotionPurchases from the previous statement closing date and on new Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the previous statement closing date and on new Purchases from the date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full or until the date of payment if more than twenty five (25) days from the closing date.

Finance Charges. A finance A. If you make a purchase under a Regular Revolving Credit Plan, no Finance Charges will be imposed in any Billing Period in which B. If you make a purchase under any of the following Promotional Credit Plans: Waive Interest, Payment Required; Waive Interest, Equal Payment and Waive Interest, Defer Payment, we will not charge is Finance Charges on the cost purchase if you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on total amount of the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by before the end of the grace promotional period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by total amount of the purchase before the end of the grace promotional period, a finance we will add the amount of the purchase to your Regular Revolving balance and will begin to charge will be imposed Finance Charges on the unpaid balance purchase from the first day after the promotional period ends. For any Waive Interest Plan that ends due to one of the next billing cycle reasons listed in Section 6, we will add the remaining amount of the plan to your Regular Revolving balance and will begin to charge Finance Charges. C. We figure Finance Charges on new purchases from the date they are posted your Account separately for each Credit Plan. For each Billing Period, we use a “Daily Balance” to figure Finance Charges on your Account. There This is no grace period for cash advanceshow we figure the “Daily Balance” each day: 1. A finance charge will be imposed on cash advances from We start with the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges beginning balance on your Account are calculated each day (including unpaid Finance Charges and fees). 2. We subtract any payments or credit adjustments and add any new purchases and debit adjustments posted as of that day. This gives us the “Partial Daily Balance” for the day. 3. We then multiply the Partial Daily Balance for the day by applying the applicable Monthly Daily Periodic Rate of Finance Charge to obtain the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances “Daily Finance Charge” for the billing cycle are added day and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added add it to the day’s Partial Daily Balance. This gives us the “Daily Balance”, which will be the beginning balance and payments and credits are subtracted. To get for the daily balance for purchases, new purchases are added following day. D. The Daily Periodic Rate of FINANCE CHARGE applicable to your Account will be computed by adding 21.74% to the day’s beginning balance value of an “Index,” and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement dividing by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. 365 (The applicable Monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE will be the Index plus 21.74%). The Index in effect for each Billing Period shall be the highest “Prime Rate” of interest as published in the “Money Rates” section of The Wall Street Journal for the calendar month preceding the month in which the Billing Period begins, rounded upward, if necessary, to the nearest .001% (“Index”). The corresponding ANNUAL PERCENTAGE RATE will not decrease below 24.99% nor increase above 24.99%. An increase or decrease in the Annual Percentage Rate will result in a corresponding increase or decrease in the amount of Finance Charge. Effective July 1, 2010. The 24.99% maximum Annual Percentage Rate will be removed from your account. This means that the Annual Percentage Rate on your account can increase above 24.99%, upon an increase in the Prime Rate. E. We will charge you a minimum FINANCE CHARGE of $1.00 for any promotion Billing Period in which a Finance Charge is due. F. Your monthly statement will disclose the applicable Annual Percentage Rate for the Billing Period. If this Agreement accompanies credit cards for your new account, the current initial Daily Periodic Rate of FINANCE CHARGE and any promotion terms corresponding ANNUAL PERCENTAGE RATE are indicated on the Cardmailer and conditions will be disclosed to before are incorporated herein by reference. As of December 1, 2009 the initial Daily Periodic Rate of FINANCE CHARGE, was 0.06846%, and the corresponding initial ANNUAL PERCENTAGE RATE was 24.99%. This information may have changed after that date. To find out about changes in the information, call us at 0-000-000-0000 (TDD/TTY 800-695-1788) or write us at the time you make use of such promotionWorld Financial Network National Bank, XX Xxx 000000, Xxxxxxxx, XX 00000-0000.

Finance Charges. A finance charge For a VISA® card, each advance or purchase is a non-variable rate loan in that the cost daily periodic rate and the ANNUAL PERCENTAGE RATE will not vary while you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a maintain an outstanding balance on your last statementaccount and you are not in default. The grace period starts ANNUAL PERCENTAGE RATE you receive is determined based on your creditworthiness and will be disclosed to you on the billing cycle closing dateattached Account Opening Disclosure. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There The Finance Charge is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated determined by applying the applicable Monthly Periodic Rate daily periodic rate to the “average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and balance” of your account, including any cash advances. To get each the average daily balance, we take the beginning outstanding balance of purchases each day, add any new purchases and cash advances, and subtract any payments and/or credits. This gives us the daily balance. Then, we add all the daily balances for purchases and cash advances for the billing cycle are added together and divide the totals are divided total by the number of days in the billing cycle. This gives us the average daily balance. The ANNUAL PERCENTAGE RATE is determined by dividing the sum of the average daily balances during the billing cycle by the number of days in the cycle. To get receive a specific rate as set forth for your VISA® account, you must maintain your accounts each and every day of the daily billing cycle to receive the specified interest rate. We may increase your interest rate to a higher allowable rate if your VISA® account becomes delinquent or you exceed your specified approved credit limit. New purchases posted to your account during a billing cycle will not incur a finance charge for that billing cycle if you had a zero or credit balance for cash advances, new cash advances are added to at the day’s beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if of that billing cycle or you paid the entire New Balance on your last the previous cycle’s billing statement by the Payment Due Date of that statement; otherwise a finance charge will accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of purchases, you must pay the entire New Balance on the billing statement by the Payment Due Date of that statement. There is a 25 day grace period at the end of the billing cycle for new purchases. No finance charges accrue on any new purchases during this period. At the end of the 25 day grace period, finance charges as set forth herein begin to accrue unless the account is paid in full before the end of the grace period period. Cash Advances (or if Overdraft Protection Cash Advances) posted to your account begin to accrue a finance charge from the date you did not have a balance on your last statement. Fees and unpaid finance charges are not included in get the calculation cash advance or the first day of the average daily balancebilling cycle in which the cash advance is posted to your account, whichever is later. Finance charges There is no “grace period” for cash advances in which interest will continue not accrue and there is no period in which you may make monthly payments without incurring interest on cash advances or overdraft cash advances from the date those transactions are posted to accrue on your Account until what you owe under this Agreement is paid in fullaccount. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE A cash advance fee will be assessed for any promotion and any promotion terms and conditions will be disclosed to before or at the time you make use of such promotionATM authorized cash advance.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge Finance Charge will be calculated imposed on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases Credit Purchases only if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did elect not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not to pay the entire New Balance by shown on your monthly statement for the end previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the grace entire New Balance shown on your previous monthly statement within that 25-day period, a finance charge Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the first day of the next billing cycle previous statement closing date and on new purchases Credit Purchases from the date they are posted of posting to your Account. There account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is no grace period for cash advances. A finance charge will be imposed on cash advances paid in full or until the date of payment if more than 25 days from the date closing date. However, if during the cash advance previous billing cycle you paid all amounts owing in full by the Payment Due Date, then in the current billing cycle you will have a free interest period on the amount of the New Balance of Purchases remaining from the previous billing cycle that is posted to your Accountpaid by the Payment Due Date based on our payment allocation method. Balance transfers as permitted by The Finance Charge on Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances Purchases for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated a billing cycle is computed by applying the applicable Monthly monthly Periodic Rate of .825%, which is an ANNUAL PERCENTAGE RATE of 9.90%, to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balancebalance of Credit Purchases, which is determined by dividing the sum of the daily balances for purchases and cash advances for during the billing cycle are added and the totals are divided by the number of days in the cycle. To get the Each daily balance for cash advances, new cash advances are added of Credit Purchases is determined by adding to the day’s outstanding unpaid balance of Credit Purchases at the beginning balance of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits are subtractedas posted to your account, but excluding any unpaid Finance Charges. To get the daily balance The Finance Charge for purchasesBalance Transfers is computed by applying a monthly Periodic Rate of 0.825%, new purchases are added which is an ANNUAL PERCENTAGE RATE of 9.90% to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balancebalance of Balance Transfers. A Finance charges Charge will continue be imposed on Balance Transfers from the date of the Balance Transfer or from the first day of the billing cycle in which the Balance Transfer is posted to accrue on your Account until what you owe under this Agreement account, whichever is paid later, and will otherwise be calculated in full. the same manner as explained above for Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretionPurchases. The applicable Monthly Finance Charge for Cash Advances is computed by applying a monthly Periodic Rate and of 0.825%, which is an ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions of 9.90% to the average daily balance of Cash Advances. A Finance Charge will be disclosed imposed on Cash Advances from the date of the Cash Advance or from the first day of the billing cycle in which the Cash Advance is posted to before or at your account, whichever is later, and will otherwise be calculated in the time you make use of such promotionsame manner as explained above for Credit Purchases.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees The Finance Charge Calculation Method applicable to your account as described to for Cash Advances and Credit Purchases of goods and services that you in obtain through the use of your statements and other Truth in Lending Disclosurescard is explained below: -Credit Purchases - Average Daily Balance (including current transactions). The following describes how For the finance charge will be calculated on the Account. You have a 25-day grace (Express VISA card only, there is no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for All transactions on the Express VISA card begin to accrue interest charges from the posting date. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. For all other HCU credit cards: to avoid incurring an additional Finance Charge on the balance of purchases reflected on your monthly statement and on any new purchases if you did not have a balance appearing on your last next monthly statement, you must pay the New Balance shown on your monthly statement on or before the Payment Due Date. The grace period starts on for the New Balance of purchases extends to the Payment Due Date. The Finance Charges for a billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated computed by applying the applicable Monthly monthly daily Periodic Rate to the "average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advancesbalance" of purchases. To get each the average daily balance, we take the beginning balance of your account each day, add any new purchases or cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives us the daily balance. Then we add up all the daily balances for purchases and cash advances for the billing cycle are added and divide the totals are divided total by the number of days in the billing cycle. -Cash Advances - Average Daily Balance (including current transactions). The Finance Charge on purchases begins from the date the transaction is posted to your account, and the Finance Charge on cash advances begins from the date you obtained the cash advance, or the first day of the billing cycle in which it is posted to your account, whichever is later. There is no grace period. The Finance Charges for a billing cycle are computed by applying the monthly daily Periodic Rate to the "average daily balance" of your account. To get the average daily balance, we take the beginning balance for of your account each day, add any new purchases or cash advances, new cash advances are added to the day’s beginning balance and payments and credits are subtracted. To get the daily balance for purchasessubtract any payments, new purchases are added to the day’s beginning balance and payments and credits are subtracted; howevercredits, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees non-accruing fees, and unpaid finance charges charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. Fees are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer -Balance Transfers - Average Daily Balance (including current transactions). The Finance Charge on balance transfers begins from the date the transaction is posted to your account, and the Finance Charge on cash advances begins from the date you obtained the balance transfer, introductory rateor the first day of the billing cycle in which it is posted to your account, whichever is later. There is no grace period. The Finance Charges for a billing cycle are computed by applying the monthly daily Periodic Rate to the "average daily balance" of your account. To get the average daily balance, we take the beginning balance of your account each day, add any new purchases or other special rate promotions cash advances, and subtract any payments, credits, non-accruing fees, and unpaid finance charges. This gives us the daily balance. Then we add up all the daily balances for the billing cycle and divide the total by the number of days in the billing cycle. Fees are not included in the calculation of the average daily balance. Finance charge will continue to accrue on your Account from time to time until what you owe under this Agreement is paid in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the time you make use of such promotionfull.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) FCUPTDC0013-0921 period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the time you make use of such promotion.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees New purchases posted to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the during a billing cycle will not incur a finance charge will be calculated on for that billing cycle if you had a zero or credit balance at the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if beginning of that billing cycle or you paid the entire New Balance on your last the previous cycle’s billing statement by the end Payment Due Date of that statement; otherwise a finance charge will accrue from the grace perioddate a purchase is posted to your account. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts To avoid an additional finance charge on the billing cycle closing date. If balance of purchases, you do not must pay the entire New Balance on the billing statement by the end Payment Due Date of the grace period, a that statement. A finance charge will be imposed begins to accrue on cash advances from the unpaid balance date you get the cash advance or from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date in which the cash advance is posted to your Accountaccount, whichever is later. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and The finance charge calculations. Finance charges on your Account are is calculated by applying the applicable Monthly Periodic Rate to the average daily balances separately for purchases and cash advances. Separate For purchases, the finance charge is computed by applying the monthly periodic rate to the average daily balances are calculated for purchases and cash advancesbalance of purchases. To get each the average daily balancebalance of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us the daily balance of purchases. Then we add all the daily balances for of purchases and cash advances for the billing cycle are added together and divide the totals are divided total by the number of days in the billing cycle. This gives us the average daily balance of purchases. For cash advances, the finance charge is computed by applying the monthly periodic rate to the average daily balance of cash advances. To get the average daily balance for of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances are added advances, and subtract any payments and/or credits that we apply to the day’s beginning balance and payments and credits are subtractedcash advance balance. To get This gives us the daily balance of cash advances. Then we add all the daily balances of cash advances for purchases, new purchases are added to the day’s beginning balance billing cycle together and payments and credits are subtracted; however, new purchases are not added if you paid divide the entire New Balance on your last statement total by the end number of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included days in the calculation of billing cycle. This gives us the average daily balancebalance of cash advances. will result in like increases or decreases in the Finance charges Charge and will continue affect the amount of your regularly scheduled payments that you will be required to accrue make. An increase in the Index will result in an increase in your regularly scheduled payment amount. There is no limit on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or the amount by which the annual percentage rate can change on any Change Date other special rate promotions for your Account from time to time in Credit Union’s sole discretionthan the maximum Annual Percentage Rate. The applicable Monthly Periodic Rate and maximum ANNUAL PERCENTAGE RATE that can apply is 18%. The ANNUAL PERCENTAGE RATE for any promotion your Card is based on certain creditworthiness criteria. Refer to your account opening disclosure for the Annual Percentage Rate and any promotion terms Daily Periodic Rate accompanying this agreement. PENALTY APR: If your required minimum monthly payment is not received within 60 days after the due date for that payment, and conditions after providing you with notice as required by applicable law (the “Notice”), the Daily Periodic Rate for your Account will increase to 0.0493%, corresponding to an ANNUAL PERCENTAGE RATE of 18.00% (“Penalty Rate”). The Penalty Rate will be applied to the outstanding balance of your Account as of the effective date specified in the Notice. If the Credit Union receives six (6) consecutive required minimum monthly payments on or before the payment due dates beginning with the first payment due following the effective date of the increase, the Credit Union will reduce the Annual Percentage Rate for your Account to the rate that would have applied prior to the increase for transactions that occurred prior to or within 14 days after the Notice was provided. The Periodic and Annual Percentage Rates applicable to other transactions will be as disclosed to before or at you in the time you make use of such promotionNotice.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge Finance Charge will be calculated imposed on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases Credit Purchases only if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did elect not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not to pay the entire New Balance by shown on your monthly statement for the end previous billing cycle within 25 days from the closing date of that statement. If you elect not to pay the grace entire New Balance shown on your previous monthly statement within that 25-day period, a finance charge Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the first day of the next billing cycle previous statement closing date and on new purchases Credit Purchases from the date they are posted of posting to your Account. There account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is no grace period for cash advances. A finance charge will be imposed on cash advances paid in full or until the date of payment if more than 25 days from the date closing date. However, if during the cash advance previous billing cycle you paid all amounts owing in full by the Payment Due Date, then in the current billing cycle you will have a free interest period on the amount of the New Balance of Purchases remaining from the previous billing cycle that is posted to your Accountpaid by the Payment Due Date based on our payment allocation method. Balance transfers as permitted by The Finance Charge on Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances Purchases for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated a billing cycle is computed by applying the applicable Monthly monthly Periodic Rate of 1.15%, which is an ANNUAL PERCENTAGE RATE of 13.80%, to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balancebalance of Credit Purchases, which is determined by dividing the sum of the daily balances for purchases and cash advances for during the billing cycle are added and the totals are divided by the number of days in the cycle. To get the Each daily balance for cash advances, new cash advances are added of Credit Purchases is determined by adding to the day’s outstanding unpaid balance of Credit Purchases at the beginning balance of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits are subtractedas posted to your account, but excluding any unpaid Finance Charges. To get the daily balance The Finance Charge for purchasesBalance Transfers is computed by applying a monthly Periodic Rate of 1.15%, new purchases are added which is an ANNUAL PERCENTAGE RATE of 13.80% to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balancebalance of Balance Transfers. A Finance charges Charge will continue be imposed on Balance Transfers from the date of the Balance Transfer or from the first day of the billing cycle in which the Balance Transfer is posted to accrue on your Account until what you owe under this Agreement account, whichever is paid later, and will otherwise be calculated in full. the same manner as explained above for Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretionPurchases. The applicable Monthly Finance Charge for Cash Advances is computed by applying a monthly Periodic Rate and of 1.15%, which is an ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions of 13.80% to the average daily balance of Cash Advances. A Finance Charge will be disclosed imposed on Cash Advances from the date of the Cash Advance or from the first day of the billing cycle in which the Cash Advance is posted to before or at your account, whichever is later, and will otherwise be calculated in the time you make use of such promotionsame manner as explained above for Credit Purchases.

Finance Charges. A finance charge is You can avoid FINANCE CHARGES on purchases by paying the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how full amount of the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on of Purchases each month within 25 days of your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay Otherwise, the entire New Balance by the end of the grace period, a finance charge Purchases will be imposed on the unpaid balance from the first day of the next subject to FINANCE CHARGE. The FINANCE CHARGE for a billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated computed by applying the applicable Monthly daily Periodic Rate, which is an Annual Percentage Rate divided by the number of calendar days in the year, to the average daily balances for purchases and cash advancesbalance. Separate The average daily balances are calculated for principle balance of purchases and cash advances. To get each average daily balance, is determined by dividing the sum of the daily balances for purchases and cash advances for during the billing cycle are added and the totals are divided by the number of days in the billing cycle. To get the Each daily balance for cash advances, new cash advances are added to of Credit Purchases is determined by subtracting from the day’s beginning previous balance and of credit purchases any payments received and credits are subtractedas posted to your account, but excluding any unpaid FINANCE CHARGES. To get On Cash Advances: A monthly FINANCE CHARGE will be imposed on Cash Advances from the daily balance for purchases, new purchases are added to date each Cash Advance is made or from the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end first day of the grace period or if you did not have a balance on billing cycle in which each Cash Advance is posted to your last statementaccount, whichever is later. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges This monthly FINANCE CHARGE will continue to accrue on your Account the unpaid average daily balance of such Cash Advances until what you owe under this Agreement (i) the date of payment if paid during the same billing cycle, (ii) the closing date of the billing cycle preceding the date on which the entire New Balance is paid in full. Credit Union may offer balance transfer, introductory rate, full or other special rate promotions for your Account from time to time in Credit Union’s sole discretion(iii) the date of payment if more than twenty-five (25) days after the closing date. The applicable Monthly FINANCE CHARGE for a billing cycle is computed by applying the daily Periodic Rate, which is an Annual Percentage Rate and ANNUAL PERCENTAGE RATE for divided by the number of calendar days in the year, to the average daily balance of Cash Advances, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the billing cycle. Each daily balance of Cash Advances is determined by adding any promotion and any promotion terms and conditions will be disclosed new Cash Advances posted to before or your account during the billing cycle to the outstanding unpaid balance of Cash Advances at the time you make use beginning of such promotionthe billing cycle, and subtracting any payments received or credits posted to your account during the billing cycle.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge Finance Charge will be calculated imposed on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases Credit Purchases only if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did elect not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not to pay the entire New Balance by shown on your monthly statement for the end previous billing cycle within 25 days from the closing date of that statement, If you elect not to pay the grace entire New Balance shown on your previous monthly statement within that 25-day period, a finance charge Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the first day of the next billing cycle previous statement closing date and on new purchases Credit Purchases from the date they are posted of posting to your Account. There account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance is no grace period for cash advances. A finance charge will be imposed on cash advances paid in full or until the date of payment if more than 25 days from the date the cash advance closing date. Classic Visa: The Finance Charge for a billing cycle is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated computed by applying the applicable Monthly monthly Periodic Rate of 1.0%, depending on your credit history, which is an ANNUAL PERCENTAGE RATE of 12%, to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balancebalance of Credit Purchases, which is determined by dividing the sum of the daily balances for purchases and cash advances for during the billing cycle are added and the totals are divided by the number of days in the cycle. To get the Each daily balance for cash advances, new cash advances are added of the Credit Purchases is determined by adding to the day’s outstanding unpaid balance of Credit Purchases at the beginning balance of the billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits are subtractedas posted to your account, but excluding any unpaid Finance Charges. To get Platinum Preferred Visa: The Finance Charge for a billing cycle is computed by applying the daily balance for purchasesmonthly Periodic Rate of .7416%, new purchases are added which is an ANNUAL PERCENTAGE RATE of 8.9%, to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balancebalance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Finance charges will continue Each daily balance of the Credit Purchases is determined by adding to accrue on your Account until what you owe under this Agreement is paid in full. the outstanding unpaid balance of Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or Purchases at the time you make use beginning of such promotionthe billing cycle any new Credit Purchases posted to your account, and subtracting any payments as received and credits as posted to your account, but excluding any unpaid Finance Charges.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. M-126558 You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the time you make use of such promotion.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge Finance Charge will be calculated imposed on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases Credit Purchases only if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did elect not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not to pay the entire New Balance by of purchases shown on your monthly statement for the end previous billing cycle within twenty-five (25) days from the closing date of that statement. If you elect not to pay the grace entire New Balance of purchases shown on your previous monthly statement within the 25-day period, a finance charge Finance Charge will be imposed on the unpaid average daily balance of such Credit Purchases from the first day of the next billing cycle previous statement closing date and on new purchases Credit Purchases from the date they are posted of posting to your Account. There account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire New Balance of purchases is no grace period for cash advances. A finance charge will be imposed on cash advances paid in full or until the date of payment if more than twenty-five (25) days from the date closing date. To avoid incurring an additional Finance Charge on the cash advance is posted to your Account. Balance transfers as permitted by balance of Credit Union from time to time in Purchases and on any new Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges Purchases reflected on your Account monthly statement, you must pay the New Balance shown on or before the Payment Due Date. The Finance Charges for a billing cycle are calculated computed by applying the applicable Monthly monthly Periodic Rate of 1.0%, which is an ANNUAL PERCENTAGE RATE of 11.99% to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balancebalance of Credit Purchases, which is determined by dividing the sum of the daily balances for purchases and cash advances for during the billing cycle are added and the totals are divided by the number of days in the cycle. To get the Each daily balance for cash advances, new cash advances are added is determined by add- ing to the day’s beginning balance Previous Balance of Credit Purchases any new Credit Purchases posted to your account and subtracting any payments as received and credits are subtractedas posted to your account, but excluding any unpaid Finance Charges. To get the daily balance for purchases, new purchases are added Subject to the day’s beginning balance and payments and credits are subtracted; howeverabove, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period for the New Balance of Credit Purchases extends to the Payment Due Date. The Finance Charge on Cash Advances begins to accrue on the date you obtain the Cash Advance or if you did not have the first day of the billing cycle in which it is posted to your account, whichever is later. The Finance Charges for a balance on your last statement. Fees and unpaid finance charges billing cycle are not included in computed by applying the calculation of monthly Periodic Rate to the average daily balancebalance during the billing cycle, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Finance charges will continue Each daily balance is determined by adding to accrue on the Previous Balance (the outstanding balance of your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or account at the time you make use beginning of such promotionthe billing cycle) any new Cash Advances received, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid Finance Charges. attorney’s fees.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculationscharges. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added to the day’s 's beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s 's beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. The Monthly Periodic Rate (“MPR”) and ANNUAL PERCENTAGE RATE (“APR”) are variable rates that may change in January and July of each year. Credit Union may offer balance transferwill determine the Monthly Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE as follows: Credit Union starts with an independent index (the “Index”), introductory ratewhich is The Wall Street Journal Prime Rate. When a range of rates had been published, or other special the highest rate promotions for your Account from time to time will be used. Credit Union will use an Index value available in the month immediately preceding the month of the annual percentage rate adjustment as determined by Credit Union in Credit Union’s sole discretion. The applicable To determine the Monthly Periodic Rate that will apply to your Account, Credit Union adds a Margin to the value of the Index. Then Credit Union divides this sum by the number of months in a year (12). To obtain the ANNUAL PERCENTAGE RATE, Credit Union will multiply the Monthly Periodic Rate by the number of months in a year (12). This result is the ANNUAL PERCENTAGE RATE. Your Margin and your initial Monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to you before or at the time the Account and Card are issued in the Initial Rate Disclosure, which is included with this Agreement and incorporated by reference. Subject to applicable laws and regulations, your Margin may also be increased or decreased at any time in Credit Union’s sole discretion based upon certain creditworthiness factors which include, but are not limited to, payment history and credit bureau data. Any change in your Margin will cause a corresponding change in the ANNUAL PERCENTAGE RATE and Monthly Periodic Rate The ANNUAL PERCENTAGE RATE can change each January and each July with changes in the Index. All changes to the ANNUAL PERCENTAGE RATE will be effective on the first day of the first billing cycle of January or July as applicable. There is no limit on the amount by which the ANNUAL PERCENTAGE RATE can change during any period or the term of the Account. Your Monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE will not be less than the Minimum Rate applicable to your account, regardless of changes in the Index and will be disclosed to you make use of such promotion.before or at the time the Account and Card are issued in the Initial Rate Disclosure. The maximum ANNUAL PERCENTAGE RATE that can apply is 18.00% or the maximum permitted by law, whichever is less. The Card Types, Tiers and corresponding Margins and Minimum Rates are set forth below:

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. FCUPTDC0011-0921 The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the time you make use of such promotion.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending FCUPTDC0012-0921 Disclosures. The following describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the time you make use of such promotion.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees In order to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how the finance charge will be calculated avoid a FINANCE CHARGE on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on made since your last statement by date, you must pay the end Total New Balance shown on your statement within 25 days of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle statement closing date. If you do not pay Otherwise the entire New Balance by the end of the grace period, a finance charge will be imposed FINANCE CHARGE on the unpaid balance purchases is calculated from the first day beginning of the next billing cycle statement period on previously billed but unpaid purchases and on new purchases from the date they are posted to your Accountaccount. There is no grace period for cash advances. A finance charge will be imposed on cash Cash advances are always subject to a FINANCE CHARGE from the date the cash advance is they are posted to your Accountaccount. Balance transfers as permitted We figure the FINANCE CHARGE on your account by Credit Union from time applying the periodic rate to time in Credit Union’s sole discretion will be treated as the ‘‘average daily balance’’ of your account. To get the ‘‘average daily balance’’ we take the beginning balance of your account each day, add any new purchases, and cash advances for the purpose of all advances, and subtract any unpaid other finance charges and finance charge calculationsany payments or credits. Finance charges on your Account are calculated by applying This gives us the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance. Then, we add up all the daily balances for purchases and cash advances for the billing cycle are added and divide the totals are divided total by the number of days in the billing cycle. To get This gives us the daily balance for cash advances, new cash advances are added to the day’s beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the ‘‘average daily balance. Finance charges .” Mastercard choice rewards account Your Mastercard Choice Rewards Account will continue be subject to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and a FINANCE CHARGE (interest) at an ANNUAL PERCENTAGE RATE and a corresponding monthly Periodic Rate which will be determined by your credit rating. The ANNUAL PERCENTAGE RATE and the corresponding monthly Periodic Rate will apply to both purchases and cash advances. Please refer to the Rate Sheet and Credit Card Account Opening Disclosure provided to you at time of approval for any promotion and any promotion your ANNUAL PERCENTAGE RATE. If you do not agree with the terms and conditions of this agreement, please destroy the card at once by cutting it in half and mail it back to the Credit Union with your instructions to close the account. Mastercard PlatinuM account without rewards Your Mastercard Platinum Account without rewards will be disclosed subject to before a FINANCE CHARGE (interest) at an ANNUAL PERCENTAGE RATE and a corresponding monthly Periodic Rate which will be determined by your credit rating. The ANNUAL PERCENTAGE RATE and the corresponding monthly Periodic Rate will apply to both purchases and cash advances. Please refer to the Rate Sheet and Credit Card Account Opening Disclosure provided to you at time of approval for your ANNUAL PERCENTAGE RATE. If you do not agree with the terms and conditions of this agreement, please destroy the card at once by cutting it in half and mail it back to the Credit Union with your instructions to close the account. payments made to your account will be applied in the following order: FINANCE CHARGES; fees; balance-credit purchases and balance-cash advances. If you do not pay your balance in full each month, you may not be able to avoid FINANCE CHARGES on new purchases. We may accept checks marked “payment in full” or at with words of similar effect without losing any of our rights to collect the time you make use full balance of such promotionyour account with us.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how (a) When the finance charge will be calculated on the Accountbegins to accrue. (i) Purchases: You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire Total New Balance for purchases on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a purchase balance on your last statement. The grace period starts on the billing cycle statement closing date. If you do not pay the entire Total New Balance for purchases by the end of the grace period, a finance charge charges will be imposed on the unpaid balance Total New Balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. (ii) Cash Advances and Balance Transfers: Finance charges are imposed on Cash Advances and Balance Transfers from the date they are posted to your account. A $1.00 minimum finance charge will be imposed on cash advances from apply. (b) Figuring the date finance charge. The amount of the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion finance charge you will be treated charged depends on the type of card you have. The applicable finance charge, listed as cash advances an annual percentage rate, is as follows. (c) Average Daily Balance for the purpose of all finance charges and finance charge calculationsPurchases, Cash Advances, Balance Transfers. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate Sep- arate average daily balances are calculated for purchases purchases, cash advances and cash advancesbalance transfers. The finance c harge f or p urchases, c ash a dvances a nd b alance transfers is calculated by multiplying the average daily balance by the daily periodic rate multi- plied by the number of days in the billing cycle. To get each average daily balance, the daily balances for purchases purchases, cash advances, and cash advances balance transfers for the billing cycle are added calculated and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and payments and credits are subtracted. To get the daily balance for purchasespurchas- es, new purchases are added to the day’s beginning balance and payments payment and credits are subtracted; however. To get the daily balance for transfers, new purchases transfers are not added if you paid to the entire New Balance on your last statement by the end of the grace period or if you did not have a day’s beginning balance on your last statementand payment and credits are subtracted. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the time you make use of such promotion.

Finance Charges. A finance charge is You can avoid a FINANCE CHARGE on purchases by paying the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following describes how full amount of the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase balance and for new purchases if you paid the entire New Balance on of Purchases each month within twenty-five (25) days of your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay Otherwise, the entire New Balance by the end of the grace periodPurchases, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new subsequent purchases from the date they are posted to your Accountaccount, will be subject to a FINANCE CHARGE. Cash advances are always subject to a FINANCE CHARGE from the date they are posted to your account. The FINANCE CHARGE (interest) for your Card will depend on your creditworthiness and your relationship with us and other creditors. The FINANCE CHARGE can range from a periodic rate of .8250% per month (ANNUAL PERCENTAGE RATE OF 9.90%) for more creditworthy members up to a periodic rate of 1.575% per month (ANNUAL PERCENTAGE RATE OF 18.9%) for less creditworthy members on the average daily principal balances on the account. We will inform you of the FINANCE CHARGE that will be charged on your card. How we compute the balance upon which periodic FINANCE CHARGES are assessed: The FINANCE CHARGE on your account is based upon the Unpaid Average Daily Balance of Purchases and Cash Advances. To get the Average Daily Balance for Purchases, we calculate the ending unpaid purchase balance for each day by taking the previous day’s unpaid purchase balance and adding any new purchases or other “purchase” debits and then subtracting any payments applied to purchases or other “purchase” credits. We then add all the ending daily Purchase balances and divide by the number of days in the statement cycle to derive the Average Daily Balance for Purchases. This figure is multiplied by the monthly periodic rate (1/12 of the APR) to obtain the purchase FINANCE CHARGE. If you pay your total ending statement balance in full before the next statement date, we will waive this FINANCE CHARGE calculation, on purchases only, in that statement period. To get the Average Daily Balance for Cash Advances, we calculate the ending unpaid cash advance balance for each day by taking the previous day’s unpaid cash advance balance and adding any new cash advances or other “cash” debits and then subtracting any payments applied to cash advances or other “cash” credits. We then add all the ending daily cash balances and divide by the number of days in the statement cycle to derive the Average Daily Balance for Cash Advances. This figure is multiplied by the monthly periodic rate (1/12 of the APR) to obtain the cash advance FINANCE CHARGE. There is no grace period for cash advancesCash Advances. A finance charge will be imposed FINANCE CHARGE accrues on all cash advances (including overdraft advances) from the date day the advance is posted until the day the cash advance is posted to your Account. Balance transfers as permitted by Credit Union from time to time in Credit Union’s sole discretion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average daily balance, the daily balances for purchases and cash advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added to the day’s beginning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted; however, new purchases are not added if you paid the entire New Balance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion terms and conditions will be disclosed to before or at the time you make use of such promotionrepaid.

Finance Charges. A finance charge is the cost you pay for credit. We will charge Interest Charges and Fees to your account as described to you in your statements and other Truth in Lending Disclosures. The following fol- xxxxxx describes how the finance charge will be calculated on the Account. You have a 25-day grace (no finance charge) period on your purchase pur- chase balance and for new purchases if you paid the entire New Balance on your last statement by the end of the grace period. You also have a 25-day grace period for new purchases if you did not have a balance on your last statement. The grace period starts on the billing cycle closing date. If you do not pay the entire New Balance by the end of the grace period, a finance charge will be imposed on the unpaid balance from the first day of the next billing cycle and on new purchases from the date they are posted to your Account. There is no grace period for cash advances. A finance charge will be imposed on cash advances from the date the cash advance is posted to your Account. Balance transfers as permitted permit- xxx by Credit Union from time to time in Credit Union’s sole discretion discre- tion will be treated as cash advances for the purpose of all finance charges and finance charge calculations. Finance charges on your Account are calculated by applying the applicable Monthly Periodic Rate to the average daily balances for purchases and cash advances. Separate average daily balances are calculated for purchases and cash advances. To get each average av- erage daily balance, the daily balances for purchases and cash advances for the billing cycle are added and the totals are divided by the number of days in the cycle. To get the daily balance for cash advances, new cash advances are added to the day’s beginning begin- ning balance and payments and credits are subtracted. To get the daily balance for purchases, new purchases are added to the day’s beginning balance and payments and credits are subtracted; howeverhow- ever, new purchases are not added if you paid the entire New Balance Bal- ance on your last statement by the end of the grace period or if you did not have a balance on your last statement. Fees and unpaid finance charges are not included in the calculation of the average daily balance. Finance charges will continue to accrue on your Account Ac- count until what you owe under this Agreement is paid in full. Credit Union may offer balance transfer, introductory rate, or other special rate promotions for your Account from time to time in Credit Union’s sole discretion. The applicable Monthly Periodic Rate and ANNUAL PERCENTAGE RATE for any promotion and any promotion promo- tion terms and conditions will be disclosed to before or at the time you make use of such promotion.