Tabular Disclosure

Tabular Disclosure Rates

Interest Rates and Interest Charges	Visa ® Gold	Visa® Platinum	Visa ® Classic
Annual Percentage Rate (APR) for Purchases	8.9%*	9.9%*	14.9% to 16.9%* when you open your account, based on your credit worthiness.
APR for Cash Advances	8.9%*	9.9%*	14.9% to 16.9%* when you open your account, based on your credit worthiness.
APR for Balance Transfers	8.9%*	9.9%*	14.9% to 16.9%* when you open your account, based on your credit worthiness.

How to Avoid Paying Interest on Purchases

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 balance by the due date each month.

Minimum Interest Charge

NONE

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore

Fees

Annual Fee

None.

Transaction Fees

• Cash Advances - None
• Purchases - None
• Foreign Transaction - 1% of each multiple currency transaction in U.S. dollars. 1% of each single currency transaction in U.S. dollars.

Penalty Fees

• Late Payment - Up to $29
• Over the Limit - None

How we will calculate your balance

We use the method called “average daily balance (including new purchases).

Billing Rights

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

*Your rate may vary based on individual creditworthiness and Baylands FCU underwriting standards. In no event will the corresponding ANNUAL PERCENTAGE RATE be more than 16.9% or the maximum rate allowed by applicable law.

Other Disclosures

Late Payment

Up to $29 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making your payment disclosed on your billing statement.

Rates, fees, and terms may change

Baylands Family CU may change the rates, fees, and terms of your account at any time for any reason. These reasons may be based on information in your credit report, such as your failure to make payments to other creditors when due, amounts owed to other creditors, the number of credit accounts outstanding or the number of credit inquiries. These reasons may also include competitive or market-related factors. If we make a change for any of these reasons, you will receive a 45-day advance notice in writing and a right to opt out in accordance with applicable law.

User Agreement

You understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms of the credit card agreement. A condition of your account is your granting us a security interest in your share accounts. By signing below you grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure your credit card account. Shares and deposits in an Individual Retirement Account and any other account that would lose special tax treatment under state or federal law if given as security are not subject to this security interest. When you are in default we may apply the balance in these accounts to any amounts due under the credit card agreement.

Everything that I have stated in this application is correct to the best of my knowledge. The Credit Union is authorized to check my credit, employment history, obtain a credit report and to answer questions about their credit experience with me. I understand that it may be a federal crime punishable by fine or imprisonment, or both, to knowingly make any false statements concerning any of the above facts as applicable under the provisions of the United States Criminal Code.