Loan Rate and Information Sheet Effective Date: May 1, 2014 This information is accurate as of the effective date listed above. The terms may change after that date. Please call us at (800) 849-8431 or (404) 768-4126 for additional information. Description New and Used Auto Loans 2010 and newer Term Discount % Above Index ANNUAL PERCENTAGE RATE (APR) † $25,000 and over 2009 and older 36 mos. 48 mos. 60 mos. 72 mos. 84 mos. 1.55% – 12.75% 1.65% – 12.75% 1.75% – 13.50% 2.00% – 14.25% 2.75% – 15.25% 48 mos. 60 mos. 4.00% – 14.00% 4.50% – 15.50% 48 mos. 60 mos. 120 mos. 6.50% – 14.50% 7.00% – 15.00% 7.75% – 15.75% 36 mos. 48 mos. 8.40% – 15.40% 8.90% – 16.90% Other Collateral Loans* $35,000 and over Personal Loans Share or Certificate Secured** 100% of balance on deposit 2.00% Partially Share Secured*** 75% of balance on deposit 50% of balance on deposit 25% of balance on deposit 36 mos. 36 mos. 36 mos. 2.00% 1.50% 1.00% 75% of balance on deposit 50% of balance on deposit 25% of balance on deposit 48 mos. 48 mos. 48 mos. 2.00% 1.50% 1.00% † * ** *** Payment example: Estimated monthly payments on a 60-month auto loan at 1.75%=$18.00 per $1,000.00 borrowed. Other Collateral: Motorcycles, Personal Watercraft, Recreational Vehicles, Campers, Boats, Motor-homes, Travel Trailers, and Farm Equipment. Share or Certificate Secured: For Share Secured Loans, the Annual Percentage Rate (APR) will be the dividend rate paid on regular shares the previous quarter (Index) plus the percentage shown in the “% Above Index” column above. For Certificate Secured Loans, the APR will be the dividend rate being paid on the Certificate offered as security (Index) plus the percentage shown in the “% Above Index” column above. See reverse side for additional information. Partially Share Secured: The Annual Percentage Rates will be the Personal Loan rate for which the applicant qualifies minus the discount percentage shown under “Discount” above. See reverse side for additional disclosure information. Revised May 1, 2014 VISA Platinum Interest Rates and Interest Charges **Share Secured: The APR will be the dividend rate paid on regular shares the previous quarter (Index) plus the percentage shown in the “% Above Index” on the reverse side. If there is an existing balance on the date of the new advance, the existing balance will be added to the new advance and the entire amount will be at the new APR. The rates are subject to change quarterly on the 1st day of January, April, July, and October to reflect any change in the Index. Any increase in the APR will result in more payments of the same amount until what you owe is repaid. **Certificate Secured: The APR will be the dividend rate being paid on the Certificate offered as security (Index) plus the percentage shown in the “% Above Index” on the reverse side. The Certificate must either be renewed until the advance is completely paid or be rolled over into a Share Account, at which point the advance will become a Share Secured advance and be subject to those terms. Failure to renew the Certificate or roll it over to a Share Account will result in default under the Plan. When the Certificate is renewed, the APR will change to reflect the new dividend rate. Any increase in the APR will result in more payments of the same amount until what you owe is repaid. The present APR and daily periodic rate for Certificate Secured advances will be disclosed on the voucher at the time of the advance. Annual Percentage Rate (APR) for Purchases 9.9%, 12.9%, 14.9%, 16.9% APR for Balance Transfers APR for Cash Advances When you open your14.9%, account,16.9% based on 9.9%, 12.9%, your creditworthiness 9.9%, 12.9%, 14.9%, 16.9% 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 or cash advances if you pay your entire balance by the due date each month. 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 Web site of the Consumer Financial Protection Bureau at www.ConsumerFinance.gov/learnmore. VISA Platinum Fees Transaction Fees Payment Protection Coverage: Payment protection coverage is voluntary and not required in order to obtain a loan at Atlanta Postal Credit Union. You may select any provider of your choice. The rates listed below contain certain terms and exclusions; contact Atlanta Postal Credit Union for coverage details. Payment Protection Coverage Cost Per $1000 of Your Monthly Loan Balance Death, Disability and Involuntary Unemployment $3.60 (single) - $3.95 (joint) Death and Disability $2.95 (single) - $3.40 (joint) Death $0.85 (single) - $1.30 (joint) Involuntary Unemployment $0.90 (single) Life Involuntary Unemployment $1,000.00* N/A N/A N/A N/A $1,000.00** Max. Benefit per Loan Account $15,000.00 $75,000.00 $15,000.00 Max Age for Coverage 70 70 70 Max. Monthly Total Disability Benefit Max Monthly Total Involuntary Unemployment Benefit *Cancels up to 12 Monthly Payments per Protected Event. **Cancels up to 3 Monthly Payments per Protected Event. N/A $5.00 Up to 1% of each transaction in US Dollars Up to $10.00 Penalty Fees Late Payment Over-the-Credit Limit Returned Payment NSF Convenience Check Up to $20.00 Up to $20.00 if opted into this service Up to $15.00 Up to $15.00 Other Fees Disability Coverage Maximums Balance Transfer Cash Advance Foreign Transaction Pay By Phone Statement Copy Fees Rush Card Order Fees $5.00 $25.00 How We Will Calculate Your Balance: We use a method called “average daily balance” (including new purchases). Billing Error Rights: Information on your rights to dispute transactions and how to exercise those rights is also provided in the Visa Platinum Consumer Credit Card Agreement. The information about the costs of the VISA Credit Cards described above is accurate as of December 31, 2013. This information may change after that date. To find out what may have changed please call APCU’s VISA Department at (478) 746-4283 or (800) 849-8434 or write us at 515 Mulberry Street, Suite 100, Macon, GA 31201-6306. APCU will review your credit history, income and other information you provide to determine the maximum credit line available for your account and the credit card rate for which you qualify.