Rates and Interest Changes Visa® Platinum Award and Gold Card Visa® Classic Card Annual Percentage Rate (APR) for Purchases 9.9% 12.9% Introductory APR for Balance Transfers 0%* (Introductory APR for 12 months) 0%* (Introductory APR for 12 months) APR for Balance Transfers and Cash 9.9% (APR after 12 month introductory rate) 12.9% (APR after 12 onth introductory rate) Advances Notice Regarding Interest Charges. Notice Regarding Interest Charges. Introductory APR applies only to Balance Transfers/Cash Advances, Introductory APR applies only to Balance Transfers/Cash Advances, not to purchases. During the introductory period we will apply your not to purchases. During the introductory period we will apply your minimum payment to transferred balances before we apply them minimum payment to transferred balances before we apply them to any purchases you make. You will be charged interest on all to any purchases you make. You will be charged interest on all purchases until your entire balance has been paid off completely, purchases until your entire balance has been paid off completely, including transferred balances. There is no for Cash including transferred balances. There is no grace period for Cash Advances/Balance Transfers. Advances/Balance Transfers. Loss of Introductory Rate We may end your introductory APR if you make a late payment. We may end your introductory APR if you make a late payment. Paying Interest Your due date is at least 25 days after the close of each billing cycle. Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest balance by the due date each month. We will begin charging interest on Cash Advances/Balance Transfers on transaction date. on Cash Advances/Balance Transfers on transaction date. Minimum Interest Charge None None For Tips To learn more about factors to consider when applying for or using To learn more about factors to consider when applying for or using from the Consumer a credit card, visit the website of the Consumer Financial a credit card, visit the website of the Consumer Financial Financial Protection Protection Bureau at www.consumerfinance.gov/learnmore Protection Bureau at www.consumerfinance.gov/learnmore Bureau Fees Annual Fee None None Transaction Fees • Balance Transfer No Fee No Fee • No Fee No Fee • Foreign Transaction 1% of each transaction in U.S. Dollars 1% of each transaction in U.S. Dollars Penalty Fees • Late Payment $25.00 assessed 7 days after due date $25.00 assessed 7 days after due date • Returned Payment $27.0 0 $27.0 0 Overdraft Protection Transfer Fee $15.00 $15.00

How we calculate your balance: We use a method called “average daily balance (including new purchases)”. Staley Credit Union See your Visa Credit Card Agreement and Disclosure for more details. P.O. Box 2290 Decatur, Illinois 62524-2290 Billing Rights: Information on your rights to transactions and how to exercise those rights is 800•223•8356 provided in your Visa Credit Card Agreement and Disclosure. 217·423•9767 The above fee and term information is correct as of June 2020 and is subject to change. Applicant must meet minimum credit requirements. Please call for current information.