Disclosures - Isabella Community Credit Union

VISA Platinum

Credit Line Account Agreement and Disclosure

Annual Percentage Rate (APR) for Purchases	8.90%
Other Annual Percentage Rates (APRs)	Balance Transfer APR: 8.90% non variable Cash Advance APR: 11.50% non variable Late Payment APR: 15.90% ⁽¹⁾
Grace Period for Repayment of Balances for Purchases	28 Days
Method of Computing the Balances for Purchases	Average daily balance (including new purchases)
Annual Fees	NONE
Late Payment Fee	NONE
(1) If, for any reason, your VISA Platinum is ever 60 or more days past due, the Monthly Periodic Rate applicable to Your entire balance existing at that time and in the future will immediately increase to 13.250% (corresponding ANNUAL PERCENTAGE RATE 15.90%).

VISA Classic

Credit Line Account Agreement and Disclosure

Annual Percentage Rate (APR) for Purchases	11.5% non variable
Other Annual Percentage Rates (APRs)	Balance Transfer APR: 11.50% non variable Cash Advance APR: 11.50% non variable Late Payment APR: 15.90% ⁽¹⁾
Grace Period for Repayment of Balances for Purchases	28 Days
Method of Computing the Balances for Purchases	Average Daily Balance (including new purchases)
Annual Fees	NONE
Late Payment Fee	NONE
(1) If, for any reason, your VISA Platinum is ever 60 or more days past due, the Monthly Periodic Rate applicable to Your entire balance existing at that time and in the future will immediately increase to 13.250% (corresponding ANNUAL PERCENTAGE RATE 15.90%)

Risk Based Pricing

In connection with your application for a consumer loan, the Credit Union is disclosing to you the score that the credit bureau distributed to us and the Credit Union used in connection with your consumer loan.

The credit score is a computer generated summary calculated at the time of the request and based on information the credit bureau has on file. The scores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assist the Credit Union in determining whether you will obtain a loan. Your credit score will also be used to determine the interest rate on your loan. Credit scores can change over time, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change.

Because the score is based on information in your credit history, it is very important that you review your credit report to make sure it is accurate. Credit records may vary from one company to another. You may obtain a FREE copy of your credit report annually at www.annualcreditreport.com.

If you have questions about your credit score that is furnished to you, contact the credit bureau at the address and telephone number provided with this notice. The credit bureau plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on the loan application.

If you have any questions concerning the terms of the loan, contact ICCU.

Your credit score was provided by and/or derived from information obtained in a report from the consumer reporting agency listed below:

Trans Union
P.O. Box 1000
Chester, PA 19022
(800) 888-4213