UNIVERSITY - VISA CARD RATES AND INTEREST CHARGES 7.25% - 12.25% (APR) for Purchases The will vary between 7.25% - 12.25% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 7.25% - 12.25% APR for Balance Transfers The interest rate will vary between 7.25% - 12.25% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 7.25% - 12.25% APR for Advances The interest rate will vary between 7.25% - 12.25% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 25.00% This APR may be applied to your account if you: 1) Make a late ; Penalty APR and When It Applies 2) Go over your ; or 3) Make a payment that is returned. How Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum when due.

Your due date is at least 25 days after close of each billing cycle. We will not charge you interest on How to Avoid Paying Interest on Purchases purchases if you pay the entire balance by the due date each month. Minimum Interest Charge If you are charged periodic interest, the charge will be no less than $1.00. To learn more about factors to consider when applying for or using a , visit the website of For Credit Card Tips from the Consumer Financial the Consumer Financial Protection Bureau at Protection Bureau http://www.consumerfinance.gov/learnmore FEES Annual Fees $0.00 Transaction Fees • Balance Transfer Either $5.00 or 4.00% of the amount of each transfer, whichever is greater. • Either $0.00 or 0.00% of the amount of each transfer, whichever is greater. • Foreign Fees 3.00% of each transaction in U.S. Dollars. Penalty Fees • Late Payment Up to $25.00 • Over-the-Credit-Line Up to $25.00 • Returned Payment Up to $25.00 Other Fees • Replacement Card $10.00/card

• Additional Card $10.00/card (Two cards are provided without charge)

• Duplicate Statement or Document Copy $5.00/statement or document copy • Expedited Delivery Up to $50.00

How We Will Calculate Your Balance: We use a method called “average daily balance”. See your account agreement for further information regarding how we calculate your balance.

Billing Rights: Information on your rights to transactions and how to exercise those rights is provided in your account agreement.

How We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Rates section of The Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your billing statement. The APR may increase or decrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the APR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest rate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.

Prime Rate: Variable APRs are based on the Wall Street Journal Prime Rate of 4.25% as of June 15, 2017.

Contact for Updates: The information about the costs of the credit card described in this application is current as of June 15, 2017. This information may have changed after that date. To find out what may have changed, please call us at 1-800-368-7987 or email us at [email protected].