Interest Rates and Charges The information about the costs of the cards described below is accurate as of 360 Federal Credit Union 09/2020. This information may change after that date. To find out what may have P.O. Box 273 changed, E-Mail, call or write to us at: Windsor Locks, CT 06096 Telephone: (860) 627-4200 Signature or Platinum Classic Secure Classic Annual Percentage Rate (APR) Introductory Rate of for Introductory Rate of for Current APR for Purchases, Convenience 3.99% 3.99% 13.25%* Checks, and Cash Advances twelve months (statement cycles) on twelve months (statement cycles) on (including Balance Transfers) transactions generated during the transactions generated during the promotional period which is the first 90 promotional period which is the first 90 days from when the account is opened. days from when the account is opened. After that your APR will vary from After that your APR will vary from

9.70% to 17.95%*, based on your creditworthiness when you 8.25% to 17.95%*, based on open your account. your creditworthiness when you open your account

Penalty APR and When it 18.00% 18.00% 18.00% Applies This APR may be applied to your account This APR may be applied to your account This APR may be applied to your account if if you are two payment cycles if you are two payment cycles delinquent you are two payment cycles delinquent or delinquent or 60 days past due. or 60 days past due. 60 days past due.

How long will the Penalty APR Apply? How long will the Penalty APR Apply? How long will the Penalty APR Apply? The Penalty APR will apply until three (3) The Penalty APR will apply until three (3) The Penalty APR will apply until three (3) consecutive minimum payments are consecutive minimum payments are consecutive minimum payments are made made by the payment due dates. made by the payment due dates. by the payment due dates. Paying Interest Purchases: Your due date is at least 25 Purchases: Your due date is at least 25 Purchases: Your due date is at least 25 days days after the close of each billing cycle. days after the close of each billing cycle. after the close of each billing cycle. We will We will not charge you any interest on We will not charge you any interest on not charge you any interest on purchases, if purchases, if you pay your entire purchases, if you pay your entire balance you pay your entire balance by the due date balance by the due date each month. by the due date each month. However, each month. However, if a Cash Transaction However, if a Cash Transaction is made if a Cash Transaction is made during the is made during the same period/statement during the same period/statement cycle, same period/statement cycle, then the cycle, then the interest-free period for then the interest-free period for interest-free period for purchases ends purchases ends immediately, and interest purchases ends immediately, and immediately, and interest will accrue on will accrue on all balances. interest will accrue on all balances. all balances. Cash Transactions (includes convenience Cash Transactions (includes Cash Transactions (includes checks, cash advances and balance convenience checks, cash advances and convenience checks, cash advances and transfers): Interest Charges begin to accrue balance transfers): Interest Charges balance transfers): Interest Charges immediately for these transactions even if begin to accrue immediately for these begin to accrue immediately for these the balance is paid in full by the due date transactions even if the balance is paid transactions even if the balance is paid in each month. in full by the due date each month. full by the due date each month. Minimum Interest Charge If you are charged interest, the charge If you are charged interest, the charge If you are charged interest, the charge will will be no less than $0.01. will be no less than $0.01. be no less than $0.01. For Tips from the To learn more about factors to consider To learn more about factors to consider To learn more about factors to consider Consumer Financial when applying for or using a credit card, when applying for or using a credit card, when applying for or using a credit card, visit Protection Bureau visit the Consumer Financial Protection visit the Consumer Financial Protection the Consumer Financial Protection Bureau Bureau website at: Bureau website at: website at: http://www.consumerfinance.gov/credi http://www.consumerfinance.gov/credit http://www.consumerfinance.gov/credit- t-cards/ -cards/ cards/

Fees

360FCU Visa® Credit Card

Annual Fee None

Transaction Fees • Either $5.00 or 2% of the Cash Advance amount, whichever is greater. • Balance Transfers None • Convenience Checks None • Foreign Transactions 1% of each transaction in U.S. Dollars

Penalty Fees • Late Payment After 15 days, either $25.00 or 5% of the payment due, whichever is greater. • Over-the- $20.00 (For cardholders who have Opted-In to the Credit Limit Protection) • Returned Payment $25.00

Other Fees • Card Replacement $30.00 • Overnight Card Order $50.00 • Copy of Transaction Receipt $ 10.00 • Statement Copy/Research $25.00 an hour/$10 minimum charge

How We Calculate Your Balance: We use a method called “Average Daily Balance” (including new purchases/transactions).

* Your APR may vary. The APR will be effective and changed semi-annually, on the 1st of November and the 1st of May and is determined by adding the margin to the Prime Rate (currently 3.25%). The margin for Secured Classic Credit Cards is 10%, The margin for Classic Credit Cards which is based on your credit score, will be either 5%, 7%, 9%, 11%, 13%, The margin for Signature Credit Cards which is based on your credit score, will be either 6.45%, 8.45%, 10.45%, 12.45%, or 14.45% and the margin for Platinum Credit Cards, which is based on your credit score, will be either 6.45%, 8.45%, 10.45%, 12.45%, or 14.45% and will be disclosed to you upon approval.

The APR cannot exceed 18.00%. The Prime Rate for each change period is as published in The Wall Street Journal on the first business day of the calendar month immediately preceding the change date as previously described. For example; the Prime Rate published on the first business day of October the margin will determine the APR that will apply during the billing cycles that begin in November and will continue until the next semi-annual change. The Prime Rate published on the first business day of April plus the margin will determine the APR that will apply during the billing cycles that begin in May and will continue until the next semi-annual change. This offer may be withdrawn at any time but will not affect any transactions or balances processed prior to the date that this offer is withdrawn.