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Elements Financial Credit Card DisclosuresImportant Credit Card Disclosures for Elements Financial Cash Rewards Visa, Platinum Visa,and Signature Rewards Visa credit cards.The following disclosure represents important details concerning yourElements Financial Visa Cash Rewards, Visa Platinum, or Visa Signaturecredit card. The information about costs of the card is accurate as of June 7, 2022. You can contact us toll free at 800-621-2105 or ElementsFinancial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date.INTEREST RATES and INTEREST CHARGESCash Rewards VisaAnnual Percentage Rate(APR) for Purchases andBalance TransfersAPR for Cash AdvancesPlatinum Visa0% Introductory APR for sixmonths.0% Introductory APR for sixmonths.After that, your standard APR willAfter that, your standard APR willbe 13.74%.be 9.74%.This APR will vary with the marketbased on the Prime Rate.This APR will vary with the marketbased on the Prime Rate.16.74% This APR will vary withthe market based on the PrimeRate.16.74% This APR will vary withthe market based on the PrimeRate.Signature Rewards Visa0% Introductory APR for sixmonths.0%APR for APRsix willAfterIntroductorythat, your standardmonths.be 11.74%.After that, your standard APR willThis APR will vary with the market10.99%.bebasedon the PrimeRate.This APR will vary with the marketbased on the Prime Rate.16.74% This APR will vary withthe market based on the PrimeRate.Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest onpurchases and balance transfers if you pay your entire balance by the due date each month. We will begincharging interest on cash advances on the date the cash advance is posted to your account.Minimum InterestChargeNoneFor Credit Card Tipsfrom the ConsumerFinancial ProtectionBureauTo learn more about factors to consider when applying for or using a credit card, visit the website for theConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

FEESCash Rewards VisaFees to Open orMaintain Your AccountTransaction FeesPenalty FeesPlatinum VisaSignature Rewards VisaAnnual Fee: NoneApplication Fee: NoneBalance Transfer: NoneBalance Transfer: NoneBalance Transfer: NoneCash Advance: Up to 3% for eachCash Advance or a minimum of 5.00.Cash Advance: Up to 3% for eachCash Advance or a minimum of 5.00.Cash Advance: Up to 3% for eachCash Advance or a minimum of 5.00.Wire Transfer: Up to 3% for eachwire transfer or a minimum of 5.00.Wire Transfer: Up to 3% for eachwire transfer or a minimum of 5.00.Wire Transfer: Up to 3% for eachwire transfer or a minimum of 5.00.International Transaction: 1.0% ofeach transaction in U.S. dollars.International Transaction: 1.0% ofeach transaction in U.S. dollars.Late Payment: Up to 25.00 if yourpayment is late.Late Payment: NoneLate Payment: Up to 25.00 if yourpayment is late.Over the Credit Limit: NoneOver the Credit Limit: NoneOver the Credit Limit: NoneReturned Payment: Up to 25.00 ifyour payment is returned for anyreason.Returned Payment: Up to 25.00 ifyour payment is returned for anyreason.Returned Payment: Up to 25.00 ifyour payment is returned for anyreason.How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.

Important Credit Card Disclosures for Indianapolis Indians Signature Rewards Visa orIndianapolis Indians Rewards Visa credit cards.The following disclosure represents important details concerning your Indianapolis Indians Signature Rewards Visa or Indianapolis IndiansRewards credit card. The information about costs of the card is accurate as of June 7, 2022. You can contact us toll free at 800-621-2105 orElements Financial Federal Credit Union, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date.INTEREST RATES and INTEREST CHARGESIndianapolis Indians Signature Rewards VisaAnnual Percentage Rate(APR) for Purchases andBalance TransfersAPR for Cash AdvancesIndianapolis Indians Rewards Visa0% Introductory APR for six months.0% Introductory APR for six months.After that, your standard APR will be 11.74%.After that, your standard APR will be 13.74%.This APR will vary with the market based on the PrimeRate.This APR will vary with the market based on the PrimeRate.16.74% This APR will vary with the market based on 16.74% This APR will vary with the market basedthe Prime Rate.on the Prime Rate.Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest onpurchases and balance transfers if you pay your entire balance by the due date each month. We will begincharging interest on cash advances on the date the cash advance is posted to your account.Minimum InterestChargeNoneFor Credit Card Tipsfrom the ConsumerFinancial ProtectionBureauTo learn more about factors to consider when applying for or using a credit card, visit the website for theConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore

FEESIndianapolis Indians Signature Rewards VisaFees to Open orMaintain Your AccountTransaction FeesPenalty FeesIndianapolis Indians Rewards VisaAnnual Fee: NoneApplication Fee: NoneBalance Transfer: NoneBalance Transfer: NoneCash Advance: Up to 3% for each Cash Advance or aminimum of 5.00.Cash Advance: Up to 3% for each Cash Advance or aminimum of 5.00.Wire Transfer: Up to 3% for each wire transfer or aminimum of 5.00.Wire Transfer: Up to 3% for each wire transfer or aminimum of 5.00.International Transaction: NoneInternational Transaction: 1.0% of each transaction inU.S. dollars.Late Payment: Up to 25.00 if your payment is late.Late Payment: Up to 25.00 if your payment is late.Over the Credit Limit: NoneOver the Credit Limit: NoneReturned Payment: Up to 25.00 if your payment isreturned for any reason.Returned Payment: Up to 25.00 if your payment isreturned for any reason.How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.

Important Credit Card Disclosures for Butler University Rewards Visa credit card.The following disclosure represents important details concerning your Butler University Rewards Visa credit card. The informationabout costs of the card is accurate as of June 7, 2022. You can contact us toll free at 800-621-2105 or Elements Financial Federal CreditUnion, P.O. Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date.INTEREST RATES and INTEREST CHARGESButler University Rewards VisaAnnual Percentage Rate(APR) for Purchases andBalance Transfers0% Introductory APR for six months.After that, your standard APR will be 13.74%.This APR will vary with the market based on the Prime Rate.APR for Cash Advances16.74% This APR will vary with the market based on the Prime Rate.Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest onpurchases and balance transfers if you pay your entire balance by the due date each month. We will begincharging interest on cash advances on the date the cash advance is posted to your account.Minimum InterestChargeNoneFor Credit Card Tipsfrom the ConsumerFinancial ProtectionBureauTo learn more about factors to consider when applying for or using a credit card, visit the website for theConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmoreFEESFees to Open orMaintain Your AccountAnnual Fee: NoneApplication Fee: NoneBalance Transfer: NoneCash Advance: Up to 3% for each Cash Advance or a minimum of 5.00.Transaction FeesWire Transfer: Up to 3% for each wire transfer or a minimum of 5.00.International Transaction: NoneLate Payment: Up to 25.00 if your payment is late.Penalty FeesOver the Credit Limit: NoneReturned Payment: Up to 25.00 if your payment is returned for any reason.How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.

Important Credit Card Disclosures for Riley Children’s Foundation Visa credit card.The following disclosure represents important details concerning your Riley Children’s Foundation Visa credit card. The information aboutcosts of the card is accurate as of June 7, 2022. You can contact us toll free at 800-621-2105 or Elements Financial Federal Credit Union, P.O.Box 7123, Indianapolis, IN 46207-7123 to inquire if any changes occurred since the effective date.INTEREST RATES and INTEREST CHARGESRiley Children’s Foundation VisaAnnual Percentage Rate(APR) for Purchases andBalance Transfers0% Introductory APR for six months.After that, your standard APR will be 9.74%.This APR will vary with the market based on the Prime Rate.APR for Cash Advances9.74% This APR will vary with the market based on the Prime Rate.Paying InterestYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest onpurchases and balance transfers if you pay your entire balance by the due date each month. We will begincharging interest on cash advances on the date the cash advance is posted to your account.Minimum InterestChargeNoneFor Credit Card Tipsfrom the ConsumerFinancial ProtectionBureauTo learn more about factors to consider when applying for or using a credit card, visit the website for theConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmoreFEESFees to Open orMaintain Your AccountAnnual Fee: NoneApplication Fee: NoneBalance Transfer: Up to 1% for each Cash Advance or a minimum of 5.00.Cash Advance: Up to 3% for each Cash Advance or a minimum of 5.00.Transaction FeesWire Transfer: Up to 3% for each wire transfer or a minimum of 5.00.International Transaction: 1.0% of each transaction in U.S. dollars.Late Payment: Up to 25.00 if your payment is late.Penalty FeesOver the Credit Limit: NoneReturned Payment: Up to 25.00 if your payment is returned for any reason.How We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)."Loss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.