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Signal VISA Application and Solicitation Disclosure

1 Annual Percentage Rate (APR) for the Signature Visa credit card may vary and not all applicants will qualify for the lowest rate. The interest rate for purchases, cash advances, and balance transfers is determined by the Prime Rate published in the Money Rates section of the Wall Street Journal. If the prime rate has changed on the last day of the quarter, your APR will change within the first fifteen (15) days of the next quarter. Minimum interest rate for the Signature Visa is15.75%; maximum interest is 18.00%. Interest rates for the Signature Visa card consist of the Prime Rate + margin and depend on the member’s creditworthiness. Rates, benefits, and fees are subject to change at any time without notice. Cash back benefits apply only to purchases made with the member’s Signature Visa credit card. Member must be in good standing to receive cash back benefits. Cash back will be removed from the member’s account if the qualifying purchase is returned/refunded. Cash back can be manually redeemed via online banking. When cash back is posted as a statement credit, it is not considered a credit card payment.

2 3% total cash back will be earned on transactions made with airlines, hotels, and motels starting November 1, 2021. 2% total cash back will be earned on transactions at restaurants, grocery stores, and automated gasoline dispensers starting November 1, 2021. 1% cash back is a standard feature of the Signature Visa credit card and applies to all valid purchases made with a Signature Visa credit card, subject to other restrictions, starting November 1, 2021. In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Signal Financial FCU does not assign MCCs to merchants. Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. Cash back will be credited to the member’s credit card account at the end of each billing cycle for purchases made at qualifying merchants.

3 There is no annual fee for the Signal Platinum Visa card. A foreign transaction fee equal to 1% of the transaction amount will be applied to foreign transactions made with the Platinum card. Annual Percentage Rate (APR) may vary. The interest rate for purchases, cash advances, and balance transfers is determined by the Prime Rate published in the Money Rates section of the Wall Street Journal. If the prime rate has changed on the last day of the quarter, your APR will change within the first fifteen (15) days of the next quarter. Minimum interest rate is 14.75%; maximum interest is 18.00%. Interest rates for the Platinum card consist of the Prime Rate + margin and depend on the member’s creditworthiness. Rates, benefits, and fees are subject to change at any time. Members with a Signal Platinum Visa card will earn Signal Rewards points. Earn 3 points for every $1 in purchases on airlines, hotels, and motels. Earn two points for every $1 in purchases at restaurants, grocery stores, and automated gasoline dispensers. 1 point for every $1 is a standard feature of the Platinum Visa credit and applies to all valid purchases made with a Platinum Visa credit card, subject to other restrictions, starting November 1, 2021. Signal Rewards points are valid for 3 years. In accordance with standard industry practices, merchants are assigned a merchant category code (MCC) typically based on their line of business, or the type of products and/or services they primarily sell or provide. Signal Financial FCU does not assign MCCs to merchants. Even if you make purchases at a merchant of items that appear to fit in a rewards category, the merchant may not have an assigned MCC in that rewards category. Reward categories, amounts, and benefits are subject to change at any time.

4 The annual fee for the Signal Direct Visa card is waived the first year. The fee imposed each year thereafter is $25. The annual fee is waived each year for cardholders who conduct a minimum $1,000 in transactions using the credit card over a 12-month period. A foreign transaction fee equal to 1% of the transaction amount will be applied to foreign transactions made with the Direct card. Annual Percentage Rate (APR) may vary. The interest rate for purchases, cash advances, and balance transfers is determined by the Prime Rate published in the Money Rates section of the Wall Street Journal. If the prime rate has changed on the last day of the quarter, your APR will change within the first fifteen (15) days of the next quarter. Minimum interest rate is 14.00%; maximum interest is 18.00%. Interest rates for the Direct card consist of the Prime Rate + margin. The rate is calculated in the following manner: Prime Rate + 15.00%. Rates, benefits, and fees are subject to change at any time.

5 The Signal Secured Visa card has a $25 annual fee that is waived for the first year and imposed each year thereafter. This annual fee is waived when cardholders conduct a minimum of $1,000 in transactions using the credit card over a 12-month period. A foreign transaction fee equal to 1% of the transaction amount will be applied to foreign transactions made with the Signal Secured card. The Annual Percentage Rate for the Signal Secured Visa is 18.00% APR fixed. Minimum and maximum interest rate is 18.00%. Security deposit equal to the credit limit is required for this product. Rates, benefits, terms, and fees are subject to change at any time.

6 APR = Annual Percentage Rate. 0% APR on all purchases and balance transfers for the first 12 months after new card account opening. Rate for any remaining purchase and balance transfers will revert to the card’s variable rate, 14.00%–18.00% depending on creditworthiness and credit card type, after the first 12 months. Rates and fees are subject to change at any time without notice. Refer to your most recent statement for your current standard variable rate. A foreign transaction fee of 1.00% applies to all credit cards except Signature.

7 Balance transfers completed within the first 12 months of opening a new card account will incur no balance transfer fee. Any balance transfers completed after the initial 12-month period will be charged a balance transfer fee of $10 or 2.5% of the transfer amount, whichever is greater.

Signal Financial Federal Credit Union and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act. Signal Financial Federal Credit Union and Fair Isaac do not provide “credit repair” services or advice or assistance regarding “rebuilding” or “improving” your credit record, credit history or credit rating.

To complete a balance transfer, please contact our Digital Member Support Department at (301) 933-9100 ext. 298 or visit the nearest branch location for assistance. Members may also complete a balance transfer(s) by using the self-service option within online banking.