Common use of Loss of Introductory APR Clause in Contracts

Loss of Introductory APR. We may end your introductory APR and apply the Penalty APR if you make a late payment. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Variable Rate Information: Variable APRs are based on the 3.25% Prime Rate as of 04/01/2020. Your APR may vary. Rates are determined and adjusted monthly, according to your statement cycle period, by adding a Margin to the Prime Rate published in the Wall Street Journal on the first business day of every month. The Margin will range from 7.99% to 14.24% based on an evaluation of each member's credit history and product type. Balance transfers will be applied to your account and sent to your designated payee(s) 10 days after we open your new account. If you want to cancel or modify your balance transfer within the first 10 days of account opening, please call 0-000-000-0000. Please continue to make regular payments to your other account(s) until you know the balance has been paid. This disclosure was printed and is accurate as of 04/01/2020 and is subject to change after that date. To find out what may have changed, or if you have any questions regarding this disclosure, call toll free 0-000-000-0000 or 0-000-000-0000 TTY. Terms and Conditions of Balance Transfer Offer for New APGFCU Visa® Accounts • 0% introductory APR for 15 months from the date of account opening for balance transfers submitted within the first 90 calendar days from account opening for Cash Back, Platinum Preferred, Platinum Preferred Rewards and Platinum Preferred Student/Starter Visa cards. • After 15 months, your introductory rate will end and your standard cash advance rate will apply. • 3% of the amount of each balance transfer transaction will be assessed to your account upon posting for all balance transfer requests submitted within the first 90 calendar days of account opening at the 0% introductory APR. • There is no balance transfer fee for all balance transfer requests submitted and posted to your account after 90 calendar days of account opening, and you will be charged your standard variable rate APR. • You authorize APGFCU to pay off the balances or portions of the balances due on the credit cards/ charges/loans listed within this online form or verbally by means of a Balance Transfer charged to your APGFCU Visa account. There is no limit to the number of transfers permitted up to your approved credit limit. • You understand the balance transfer request we approve for you may not ultimately pay your total balance due with the other creditor, which may result in outstanding charges imposed by the other creditor. It is your responsibility to make timely payments to your other creditor. You should continue to make payments to these other credit card or loan issuers until the balance transfer is reflected on your account with us as a payment made by us to your creditor. All balance transfers are paid by us directly to the other creditor. • APGFCU is not responsible for any payments being late, lost in the mail or for any finance or other charges that may occur due to a delay in processing a balance transfer request. • Balances transferred will not receive a balance transfer cash rebate or reward points. • Balance transfers are always subject to Finance Charges from the date they are posted to your account to the date on which they are paid in full. • You must pay in full the entire balance (including balance transfers and new purchases) by the end of each payment cycle to avoid accruing interest on purchases. • Each balance transfer will reduce your available credit. We will process the requested balance transfers in the order you submit them to us. Should there be an insufficient credit limit on your account with us, you understand we will pay off the balances of other creditors only up to the amount of the available credit limit you have with us, which could result in only a partial payment of the remaining account balances with the other creditor. • The total amount(s) of your request cannot exceed your available credit with us. Should the request exceed the available credit, we will decline the request and you will have the option to apply for a credit limit increase. APGFCU reserves the right to refuse to honor any request for a credit limit increase. You should not transfer from another creditor the amount of any disputed purchases or other charges. If you do, you may lose your right to dispute the charges with that other creditor. • This offer cannot be combined with any other balance transfer offers. We will not process any balance transfer requests that are from any other account or loan issued by APGFCU.

Loss of Introductory APR. We may end your introductory APR and apply the Penalty APR if you make a late payment. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Variable Rate Information: Variable APRs are based on the 3.25% Prime Rate as of 04/01/202004/01/2021. Your APR may vary. Rates are determined and adjusted monthly, according to your statement cycle period, by adding a Margin to the Prime Rate published in the Wall Street Journal on the first business day of every month. The Margin will range from 7.995.74% to 14.24% based on an evaluation of each member's ’s credit history and product type. The Margin for the Classroom Supply, Share Secured and Money Market Share Secured Visa cards is below: a We add 0.00% to the Prime Rate for the Classroom Supply Visa b We add 1.00% to the Prime Rate for the Share Secured Visa, not to exceed 5.00% above the current rate on the Regular Share Accounts c We add 1.00% to the Prime Rate for the Money Market Share Secured Visa, not to exceed 5.00% above the lowest Money Market tier rate Balance transfers will be applied to your account and sent to your designated payee(s) 10 days after we open your new account. If you want to cancel or modify your balance transfer within the first 10 days of account opening, please call 0-000-000-0000. Please continue to make regular payments to your other account(s) until you know the balance has been paid. This disclosure was printed and is accurate as of 04/01/2020 04/01/2021, and is subject to change after that date. To find out what may have changed, or if you have any questions regarding this disclosure, call toll free 0-000-000-0000 0000, or 0-000-000-0000 TTY. VD-VIS-DIS-031721 Terms and Conditions of Balance Transfer Offer for New APGFCU Visa® Accounts • 0% introductory APR for 15 months from the date of account opening for balance transfers submitted within the first 90 calendar days from account opening for Cash Back, Platinum Preferred, Platinum Preferred Rewards and Platinum Preferred Student/Student/ Starter Visa cards. • After 15 months, your introductory rate will end and your standard cash advance rate will apply. • 3% of the amount of each balance transfer transaction will be assessed to your account upon posting for all balance transfer requests submitted within the first 90 calendar days of account opening at the 0% introductory APR. • There is no balance transfer fee for all balance transfer requests submitted and posted to your account after 90 calendar days of account opening, and you will be charged your standard variable rate APR. • You authorize APGFCU to pay off the balances or portions of the balances due on the credit cards/ charges/loans listed within this online form or verbally by means of a Balance Transfer charged to your APGFCU Visa account. There is no limit to the number of transfers permitted up to your approved credit limit. • You understand the balance transfer request we approve for you may not ultimately pay your total balance due with the other creditor, which may result in outstanding charges imposed by the other creditor. It is your responsibility to make timely payments to your other creditor. You should continue to make payments to these other credit card or loan issuers until the balance transfer is reflected on your account with us as a payment made by us to your creditor. All balance transfers are paid by us directly to the other creditor. • APGFCU is not responsible for any payments being late, lost in the mail or for any finance or other charges that may occur due to a delay in processing a balance transfer request. • Balances transferred will not receive a balance transfer cash rebate or reward points. • Balance transfers are always subject to Finance Charges from the date they are posted to your account to the date on which they are paid in full. • You must pay in full the entire balance (including balance transfers and new purchases) by the end of each payment cycle to avoid accruing interest on purchases. • Each balance transfer will reduce your available credit. We will process the requested balance transfers in the order you submit them to us. Should there be an insufficient credit limit on your account with us, you understand we will pay off the balances of other creditors only up to the amount of the available credit limit you have with us, which could result in only a partial payment of the remaining account balances with the other creditor. • The total amount(s) of your request cannot exceed your available credit with us. Should the request exceed the available credit, we will decline the request and you will have the option to apply for a credit limit increase. APGFCU reserves the right to refuse to honor any request for a credit limit increase. You should not transfer from another creditor the amount of any disputed purchases or other charges. If you do, you may lose your right to dispute the charges with that other creditor. • This offer cannot be combined with any other balance transfer offers. We will not process any balance transfer requests that are from any other account or loan issued by APGFCU.. VD-VIS-DIS-031721

Loss of Introductory APR. We may end your introductory APR and apply the Penalty APR if you make a late payment. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Variable Rate Information: Variable APRs are based on the 3.25% Prime Rate as of 04/01/202001/01/2021. Your APR may vary. Rates are determined and adjusted monthly, according to your statement cycle period, by adding a Margin to the Prime Rate published in the Wall Street Journal on the first business day of every month. The Margin will range from 7.99% to 14.24% based on an evaluation of each member's credit history and product type. Balance transfers will be applied to your account and sent to your designated payee(s) 10 days after we open your new account. If you want to cancel or modify your balance transfer within the first 10 days of account opening, please call 0-000-000-0000. Please continue to make regular payments to your other account(s) until you know the balance has been paid. This disclosure was printed and is accurate as of 04/01/2020 01/01/2021 and is subject to change after that date. To find out what may have changed, or if you have any questions regarding this disclosure, call toll free 0-000-000-0000 or 0-000-000-0000 TTY. Terms and Conditions of Balance Transfer Offer for New APGFCU Visa® Accounts • 0% introductory APR for 15 months from the date of account opening for balance transfers submitted within the first 90 calendar days from account opening for Cash Back, Platinum Preferred, Platinum Preferred Rewards and Platinum Preferred Student/Starter Visa cards. • After 15 months, your introductory rate will end and your standard cash advance rate will apply. • 3% of the amount of each balance transfer transaction will be assessed to your account upon posting for all balance transfer requests submitted within the first 90 calendar days of account opening at the 0% introductory APR. • There is no balance transfer fee for all balance transfer requests submitted and posted to your account after 90 calendar days of account opening, and you will be charged your standard variable rate APR. • You authorize APGFCU to pay off the balances or portions of the balances due on the credit cards/ charges/loans listed within this online form or verbally by means of a Balance Transfer charged to your APGFCU Visa account. There is no limit to the number of transfers permitted up to your approved credit limit. • You understand the balance transfer request we approve for you may not ultimately pay your total balance due with the other creditor, which may result in outstanding charges imposed by the other creditor. It is your responsibility to make timely payments to your other creditor. You should continue to make payments to these other credit card or loan issuers until the balance transfer is reflected on your account with us as a payment made by us to your creditor. All balance transfers are paid by us directly to the other creditor. • APGFCU is not responsible for any payments being late, lost in the mail or for any finance or other charges that may occur due to a delay in processing a balance transfer request. • Balances transferred will not receive a balance transfer cash rebate or reward points. • Balance transfers are always subject to Finance Charges from the date they are posted to your account to the date on which they are paid in full. • You must pay in full the entire balance (including balance transfers and new purchases) by the end of each payment cycle to avoid accruing interest on purchases. • Each balance transfer will reduce your available credit. We will process the requested balance transfers in the order you submit them to us. Should there be an insufficient credit limit on your account with us, you understand we will pay off the balances of other creditors only up to the amount of the available credit limit you have with us, which could result in only a partial payment of the remaining account balances with the other creditor. • The total amount(s) of your request cannot exceed your available credit with us. Should the request exceed the available credit, we will decline the request and you will have the option to apply for a credit limit increase. APGFCU reserves the right to refuse to honor any request for a credit limit increase. You should not transfer from another creditor the amount of any disputed purchases or other charges. If you do, you may lose your right to dispute the charges with that other creditor. • This offer cannot be combined with any other balance transfer offers. We will not process any balance transfer requests that are from any other account or loan issued by APGFCU.

Loss of Introductory APR. We may end your introductory APR and apply the Penalty APR if you make a late payment. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Variable Rate Information: Variable APRs are based on the 3.25% Prime Rate as of 04/01/2020. Your APR may vary. Rates are determined and adjusted monthly, according to your statement cycle period, by adding a Margin to the Prime Rate published in the Wall Street Journal on the first business day of every month. The Margin will range from 7.995.74% to 14.24% based on an evaluation of each member's ’s credit history and product type. The Margin for the Classroom Supply, Share Secured and Money Market Share Secured Visa cards is below: a We add 0.00% to the Prime Rate for the Classroom Supply Visa b We add 1.00% to the Prime Rate for the Share Secured Visa, not to exceed 5.00% above the current rate on the Regular Share Accounts c We add 1.00% to the Prime Rate for the Money Market Share Secured Visa, not to exceed 5.00% above the lowest Money Market tier rate Balance transfers will be applied to your account and sent to your designated payee(s) 10 days after we open your new account. If you want to cancel or modify your balance transfer within the first 10 days of account opening, please call 0-000-000-0000. Please continue to make regular payments to your other account(s) until you know the balance has been paid. This disclosure was printed and is accurate as of 04/01/2020 04/01/2020, and is subject to change after that date. To find out what may have changed, or if you have any questions regarding this disclosure, call toll free 0-000-000-0000 0000, or 0-000-000-0000 TTY. Terms and Conditions of Balance Transfer Offer for New APGFCU Visa® Accounts • 0% introductory APR for 15 months from the date of account opening for balance transfers submitted within the first 90 calendar days from account opening for Cash Back, Platinum Preferred, Platinum Preferred Rewards and Platinum Preferred Student/Student/ Starter Visa cards. • After 15 months, your introductory rate will end and your standard cash advance rate will apply. • 3% of the amount of each balance transfer transaction will be assessed to your account upon posting for all balance transfer requests submitted within the first 90 calendar days of account opening at the 0% introductory APR. • There is no balance transfer fee for all balance transfer requests submitted and posted to your account after 90 calendar days of account opening, and you will be charged your standard variable rate APR. • You authorize APGFCU to pay off the balances or portions of the balances due on the credit cards/ charges/loans listed within this online form or verbally by means of a Balance Transfer charged to your APGFCU Visa account. There is no limit to the number of transfers permitted up to your approved credit limit. • You understand the balance transfer request we approve for you may not ultimately pay your total balance due with the other creditor, which may result in outstanding charges imposed by the other creditor. It is your responsibility to make timely payments to your other creditor. You should continue to make payments to these other credit card or loan issuers until the balance transfer is reflected on your account with us as a payment made by us to your creditor. All balance transfers are paid by us directly to the other creditor. • APGFCU is not responsible for any payments being late, lost in the mail or for any finance or other charges that may occur due to a delay in processing a balance transfer request. • Balances transferred will not receive a balance transfer cash rebate or reward points. • Balance transfers are always subject to Finance Charges from the date they are posted to your account to the date on which they are paid in full. • You must pay in full the entire balance (including balance transfers and new purchases) by the end of each payment cycle to avoid accruing interest on purchases. • Each balance transfer will reduce your available credit. We will process the requested balance transfers in the order you submit them to us. Should there be an insufficient credit limit on your account with us, you understand we will pay off the balances of other creditors only up to the amount of the available credit limit you have with us, which could result in only a partial payment of the remaining account balances with the other creditor. • The total amount(s) of your request cannot exceed your available credit with us. Should the request exceed the available credit, we will decline the request and you will have the option to apply for a credit limit increase. APGFCU reserves the right to refuse to honor any request for a credit limit increase. You should not transfer from another creditor the amount of any disputed purchases or other charges. If you do, you may lose your right to dispute the charges with that other creditor. • This offer cannot be combined with any other balance transfer offers. We will not process any balance transfer requests that are from any other account or loan issued by APGFCU.

Loss of Introductory APR. We may end your introductory APR and apply the Penalty APR if you make a late payment. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Variable Rate Information: Variable APRs are based on the 3.25% Prime Rate as of 04/01/202001/01/2021. Your APR may vary. Rates are determined and adjusted monthly, according to your statement cycle period, by adding a Margin to the Prime Rate published in the Wall Street Journal on the first business day of every month. The Margin will range from 7.995.74% to 14.24% based on an evaluation of each member's ’s credit history and product type. The Margin for the Classroom Supply, Share Secured and Money Market Share Secured Visa cards is below: a We add 0.00% to the Prime Rate for the Classroom Supply Visa b We add 1.00% to the Prime Rate for the Share Secured Visa, not to exceed 5.00% above the current rate on the Regular Share Accounts c We add 1.00% to the Prime Rate for the Money Market Share Secured Visa, not to exceed 5.00% above the lowest Money Market tier rate Balance transfers will be applied to your account and sent to your designated payee(s) 10 days after we open your new account. If you want to cancel or modify your balance transfer within the first 10 days of account opening, please call 0-000-000-0000. Please continue to make regular payments to your other account(s) until you know the balance has been paid. This disclosure was printed and is accurate as of 04/01/2020 01/01/2021, and is subject to change after that date. To find out what may have changed, or if you have any questions regarding this disclosure, call toll free 0-000-000-0000 0000, or 0-000-000-0000 TTY. VD-VIS-DIS-121120 Terms and Conditions of Balance Transfer Offer for New APGFCU Visa® Accounts • 0% introductory APR for 15 months from the date of account opening for balance transfers submitted within the first 90 calendar days from account opening for Cash Back, Platinum Preferred, Platinum Preferred Rewards and Platinum Preferred Student/Student/ Starter Visa cards. • After 15 months, your introductory rate will end and your standard cash advance rate will apply. • 3% of the amount of each balance transfer transaction will be assessed to your account upon posting for all balance transfer requests submitted within the first 90 calendar days of account opening at the 0% introductory APR. • There is no balance transfer fee for all balance transfer requests submitted and posted to your account after 90 calendar days of account opening, and you will be charged your standard variable rate APR. • You authorize APGFCU to pay off the balances or portions of the balances due on the credit cards/ charges/loans listed within this online form or verbally by means of a Balance Transfer charged to your APGFCU Visa account. There is no limit to the number of transfers permitted up to your approved credit limit. • You understand the balance transfer request we approve for you may not ultimately pay your total balance due with the other creditor, which may result in outstanding charges imposed by the other creditor. It is your responsibility to make timely payments to your other creditor. You should continue to make payments to these other credit card or loan issuers until the balance transfer is reflected on your account with us as a payment made by us to your creditor. All balance transfers are paid by us directly to the other creditor. • APGFCU is not responsible for any payments being late, lost in the mail or for any finance or other charges that may occur due to a delay in processing a balance transfer request. • Balances transferred will not receive a balance transfer cash rebate or reward points. • Balance transfers are always subject to Finance Charges from the date they are posted to your account to the date on which they are paid in full. • You must pay in full the entire balance (including balance transfers and new purchases) by the end of each payment cycle to avoid accruing interest on purchases. • Each balance transfer will reduce your available credit. We will process the requested balance transfers in the order you submit them to us. Should there be an insufficient credit limit on your account with us, you understand we will pay off the balances of other creditors only up to the amount of the available credit limit you have with us, which could result in only a partial payment of the remaining account balances with the other creditor. • The total amount(s) of your request cannot exceed your available credit with us. Should the request exceed the available credit, we will decline the request and you will have the option to apply for a credit limit increase. APGFCU reserves the right to refuse to honor any request for a credit limit increase. You should not transfer from another creditor the amount of any disputed purchases or other charges. If you do, you may lose your right to dispute the charges with that other creditor. • This offer cannot be combined with any other balance transfer offers. We will not process any balance transfer requests that are from any other account or loan issued by APGFCU.. VD-VIS-DIS-121120

Loss of Introductory APR. We may end your introductory APR and apply the Penalty APR if you make a late payment. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Variable Rate Information: Variable APRs are based on the 3.25% Prime Rate as of 04/01/202004/01/2021. Your APR may vary. Rates are determined and adjusted monthly, according to your statement cycle period, by adding a Margin to the Prime Rate published in the Wall Street Journal on the first business day of every month. The Margin will range from 7.99% to 14.24% based on an evaluation of each member's credit history and product type. Balance transfers will be applied to your account and sent to your designated payee(s) 10 days after we open your new account. If you want to cancel or modify your balance transfer within the first 10 days of account opening, please call 0-000-000-0000. Please continue to make regular payments to your other account(s) until you know the balance has been paid. This disclosure was printed and is accurate as of 04/01/2020 04/01/2021 and is subject to change after that date. To find out what may have changed, or if you have any questions regarding this disclosure, call toll free 0-000-000-0000 or 0-000-000-0000 TTY. Terms and Conditions of Balance Transfer Offer for New APGFCU Visa® Accounts • 0% introductory APR for 15 months from the date of account opening for balance transfers submitted within the first 90 calendar days from account opening for Cash Back, Platinum Preferred, Platinum Preferred Rewards and Platinum Preferred Student/Starter Visa cards. • After 15 months, your introductory rate will end and your standard cash advance rate will apply. • 3% of the amount of each balance transfer transaction will be assessed to your account upon posting for all balance transfer requests submitted within the first 90 calendar days of account opening at the 0% introductory APR. • There is no balance transfer fee for all balance transfer requests submitted and posted to your account after 90 calendar days of account opening, and you will be charged your standard variable rate APR. • You authorize APGFCU to pay off the balances or portions of the balances due on the credit cards/ charges/loans listed within this online form or verbally by means of a Balance Transfer charged to your APGFCU Visa account. There is no limit to the number of transfers permitted up to your approved credit limit. • You understand the balance transfer request we approve for you may not ultimately pay your total balance due with the other creditor, which may result in outstanding charges imposed by the other creditor. It is your responsibility to make timely payments to your other creditor. You should continue to make payments to these other credit card or loan issuers until the balance transfer is reflected on your account with us as a payment made by us to your creditor. All balance transfers are paid by us directly to the other creditor. • APGFCU is not responsible for any payments being late, lost in the mail or for any finance or other charges that may occur due to a delay in processing a balance transfer request. • Balances transferred will not receive a balance transfer cash rebate or reward points. • Balance transfers are always subject to Finance Charges from the date they are posted to your account to the date on which they are paid in full. • You must pay in full the entire balance (including balance transfers and new purchases) by the end of each payment cycle to avoid accruing interest on purchases. • Each balance transfer will reduce your available credit. We will process the requested balance transfers in the order you submit them to us. Should there be an insufficient credit limit on your account with us, you understand we will pay off the balances of other creditors only up to the amount of the available credit limit you have with us, which could result in only a partial payment of the remaining account balances with the other creditor. • The total amount(s) of your request cannot exceed your available credit with us. Should the request exceed the available credit, we will decline the request and you will have the option to apply for a credit limit increase. APGFCU reserves the right to refuse to honor any request for a credit limit increase. You should not transfer from another creditor the amount of any disputed purchases or other charges. If you do, you may lose your right to dispute the charges with that other creditor. • This offer cannot be combined with any other balance transfer offers. We will not process any balance transfer requests that are from any other account or loan issued by APGFCU.

Loss of Introductory APR. We may end your introductory APR and apply the Penalty APR if you make a late payment. Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement. Variable Rate Information: Variable APRs are based on the 3.253.50% Prime Rate as of 04/01/202004/01/2022. Your APR may vary. Rates are determined and adjusted monthly, according to your statement cycle period, by adding a Margin to the Prime Rate published in the Wall Street Journal on the first business day of every month. The Margin will range from 7.99% to 14.24% based on an evaluation of each member's credit history and product type. Balance transfers will be applied to your account and sent to your designated payee(s) 10 days after we open your new account. If you want to cancel or modify your balance transfer within the first 10 days of account opening, please call 0-000-000-0000. Please continue to make regular payments to your other account(s) until you know the balance has been paid. This disclosure was printed and is accurate as of 04/01/2020 04/01/2022 and is subject to change after that date. To find out what may have changed, or if you have any questions regarding this disclosure, call toll free 0-000-000-0000 or 0-000-000-0000 TTY. Terms and Conditions of Balance Transfer Offer for New APGFCU Visa® Accounts • 0% introductory APR for 15 18 months from the date of account opening for balance transfers submitted within the first 90 calendar days from account opening for Cash Back, Platinum Preferred, Platinum Preferred Rewards and Platinum Preferred Student/Starter Visa cards. • After 15 18 months, your introductory rate will end and your standard cash advance rate will apply. • 3% of the amount of each There is no balance transfer transaction will be assessed to your account upon posting fee for all balance transfer requests submitted and posted within the first 90 calendar days of account opening at the 0% introductory APR. • There is no balance transfer fee for all balance transfer requests submitted and posted to your account after 90 calendar days of account opening, and you will be charged your standard variable rate APR. • You authorize APGFCU to pay off the balances or portions of the balances due on the credit cards/ charges/loans listed within this online form or verbally by means of a Balance Transfer charged to your APGFCU Visa account. There is no limit to the number of transfers permitted up to your approved credit limit. • You understand the balance transfer request we approve for you may not ultimately pay your total balance due with the other creditor, which may result in outstanding charges imposed by the other creditor. It is your responsibility to make timely payments to your other creditor. You should continue to make payments to these other credit card or loan issuers until the balance transfer is reflected on your account with us as a payment made by us to your creditor. All balance transfers are paid by us directly to the other creditor. • APGFCU is not responsible for any payments being late, lost in the mail or for any finance or other charges that may occur due to a delay in processing a balance transfer request. • Balances transferred will not receive a balance transfer cash rebate or reward points. • Balance transfers are always subject to Finance Charges from the date they are posted to your account to the date on which they are paid in full. • You must pay in full the entire balance (including balance transfers and new purchases) by the end of each payment cycle to avoid accruing interest on purchases. • Each balance transfer will reduce your available credit. We will process the requested balance transfers in the order you submit them to us. Should there be an insufficient credit limit on your account with us, you understand we will pay off the balances of other creditors only up to the amount of the available credit limit you have with us, which could result in only a partial payment of the remaining account balances with the other creditor. • The total amount(s) of your request cannot exceed your available credit with us. Should the request exceed the available credit, we will decline the request and you will have the option to apply for a credit limit increase. APGFCU reserves the right to refuse to honor any request for a credit limit increase. You should not transfer from another creditor the amount of any disputed purchases or other charges. If you do, you may lose your right to dispute the charges with that other creditor. • This offer cannot be combined with any other balance transfer offers. We will not process any balance transfer requests that are from any other account or loan issued by APGFCU.