CREDIT CARD FAQs

_Disclosures

_{*APR denotes Annual Percentage Rate.}

 _{¹Variable Rate.}

_{Promotional Period for Introductory Annual Percentage Rate (APR): The 2.9% Introductory APR for balance transfers, cash advances, and purchases will apply to transactions posted to your new Visa® Platinum or Visa® Platinum Rewards credit card. Offer only available for new cardholders. Cash advances, balance transfers, and purchases will accrue interest at 2.9% APR for six billing cycles from the Visa® open date; any remaining balance will begin to accrue interest at the qualified standard variable rate. Rates are subject to change. Payments will be applied as stated in your Visa® Consumer Credit Card Agreement & Disclosure. Any existing balances on current People First Federal Credit Union loan and/or credit card accounts are not eligible for the introductory APR.}

_{Applicant’s standard rate will be based upon credit evaluation. The Variable Rate is based on the highest Prime Rate as published in the Money Rates section of the Wall Street Journal on the last business day of each calendar month (“Index”) plus a margin from 5.65% – 14.65% for the No Rewards card and a margin of 6.65% – 9.65% for the Rewards Card. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the first day of the billing cycle that immediately follows any such change in the Index. Increases or Decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the number of your regularly scheduled payments}

**_{The term “purchases” doesn’t mean every credit card transaction you make. Some transactions, such as balance transfers, cash advances, convenience checks, and quasi-cash transactions (Purchases that are directly related to cash, such as casino gaming chips, money orders, wire transfers, travelers’ checks, etc.) are excluded.}