F2 9.25% - Charter Oak Federal Credit Union

F1CREDIT CARD ACCOUNT OPENING DISCLOSUREThis Addendum is incorporated into and becomes part of your LOANLINER ® Consumer Credit Card Agreement.Please keep this attached to your LOANLINER ® Consumer Credit Card Agreement.Interest Rates and Interest ChargesAnnual Percentage Rate (APR) forPurchasesAPR for Cash AdvancesAPR for Balance TransfersPaying InterestFor Credit Card Tips from the FederalReserve BoardF2This APR will vary with the market based on the Prime Rate.F3This APR will vary with the market based on the Prime Rate.F4This APR will vary with the market based on the Prime Rate.Your due date is at least 25 days after the close of each billing cycle.We do not charge you interest on purchases if you pay your entirebalance by the due date each month. We will begin charging interest oncash advances and balance transfers on the transaction date.To learn more about factors to consider when applying for or using acredit card, visit the Web site of the Federal Reserve Board athttp://www.federalreserve.gov/creditcard.FeesTransaction Fees- Balance Transfer Fee F5- Cash Advance Fee F6- Foreign Transaction Fee F7 of each transaction in U.S. dollarsPenalty Fees- Late Payment Fee Up to F8- Returned Payment Fee Up to F9How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” Seeyour account Agreement for more details.Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in youraccount Agreement.OTHER DISCLOSURESLate Payment Fee F10 or the amount of the required minimum payment, whicheveris less.Returned Payment Fee F11 or the amount of the required minimum payment, whicheveris less.Rush FeeF12Card Replacement Fee F13 per cardConvenience Check Stop Payment FeeF14Collection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, includingreasonable attorney's fees not in excess of F15 of any judgment and all court costs.Periodic Rates.The Purchase APR is F16 which is a daily periodic rate of F17The Cash Advance APR is F18 which is a daily periodic rate of F19The Balance Transfer APR is F20 which is a daily periodic rate of F21©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVEDDCTDM2 (MXC450 CCM001)-eSEE BACK OF PAGE for more important information about your account.

Variable Rate.The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle quarterly to reflect anychange in the Index and will be determined by the Prime Rate on 1st Tuesday of January, April, July, and October of eachyear as published in The Wall Street Journal "Money Rates" table to which we add a margin. The ANNUALPERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will takethe form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available,the Credit Union will choose a new index which is based upon comparable information.Margin.Purchases will be charged at F22 above the Index.Cash advances will be charged at F23 above the Index.Balance transfers will be charged at F24 above the Index.DCTDM2 (MXC450 CCM001)-e