Business Credit Cards

Disclosures

1

For each dollar of Qualifying Purchases charged to your Cash Back Rewards Account, you will be awarded a 1.5% ($0.015) cash reward. Cash Back Rewards Account interest rates are also disclosed on the Business Visa Interest and Fee Information sheet. As long as your Cash Back Rewards Account remains open and in good standing, your accumulated cash rewards will not expire.

2

The Program has an introductory bonus reward offer available to new accounts only. New Accounts will receive a one-time, one-hundred-dollar ($100.00) statement credit. To qualify and receive your bonus, you must make purchases totaling one-thousand dollars ($1,000) or more during the first ninety (90) days from account opening. After qualifying, please allow four (4) to six (6) weeks for the bonus to post to your account. Bonus will be paid as a statement credit to the Account. To be eligible for this bonus offer, the account must be open and not in default at the time of fulfillment. If you are an existing First Entertainment Credit Union Credit Cardholder and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new Cardholder bonus if you change products or have had another credit card with us in the past two (2) years. This offer is limited to one per Account per Cardholder. No additional bonus will be awarded for joint owners or authorized signers, users, or for additional cards on the same Account.

3

APR = Annual Percentage Rate. This APR will vary with the market, based on the Prime Rate. Information regarding fees and charges can be found in the Business Visa Interest and Fee Information. 0.00% Introductory APR for twelve (12) months from date of account opening when purchases are completed within ninety (90) days of account opening. 0.00% Introductory APR for twelve (12) months from date of balance transfer when balance transfers are completed within ninety (90) days of account opening. After the introductory rate period ends, your APR for purchases and balance transfers will be 17.74% – 25.40% for Preferred Cash Business Visa and 15.74% – 23.40% for Visa Platinum Business, based on your creditworthiness. This APR will vary with the market based on the Prime Rate, as published in the Wall Street Journal. A 3% Balance Transfer fee will apply to each Balance Transfer transaction. Cash Advance transactions are subject to a Cash Advance Fee of 3% of the amount of the advance which is posted to the Account during the billing cycle, or $5.00, whichever is greater. Additional fees and charges may apply. All loans are subject to credit approval. For complete details, please refer to the Business Visa Interest and Fee Information disclosure.

4

I understand that I can request a Balance Transfer transaction, which allows me to pay a portion or the entire balance of another credit card account I maintain with another institution by advancing funds from this Account. Any request I make for a Balance Transfer is subject to your approval, based on my Credit Limit, my creditworthiness, and my good standing as a member. If you approve my requested Balance Transfer transaction, a 3% Balance Transfer Fee will apply to the transaction, and a Balance Transfer APR will apply to my Balance Transfer balance.

5

Cash Advance transactions are subject to a Cash Advance Fee of 3% of the amount of the advance which is posted to the Account during the billing cycle, or $10.00, whichever is greater.

6

For full cardholder benefits and limitations, consult your Business Visa Consolidated Guide to Benefits or visit firstent.org/disclosures.

7

Program has an introductory bonus reward offer available to new accounts only. New Accounts will receive a one-time, one-hundred-dollar ($100.00) statement credit. To qualify and receive your bonus, you must make purchases totaling one thousand dollars ($1,000) or more during the first ninety (90) days from account opening. After qualifying, please allow four (4) to six (6) weeks for bonus to post to your Account. Bonus will be paid as a statement credit to the Account. To be eligible for this bonus offer, Account must be open and not in default at the time of fulfillment. If you are an existing First Entertainment Credit Union credit Cardholder and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new Cardholder bonus if you change products or have had another credit card with us in the past two (2) years. This offer is limited to one per Account per Cardholder. No additional bonus will be awarded for joint owners or authorized signers, users, or for additional cards on the same Account. For complete details, please refer to your Preferred Cash Business Visa^® Rewards Program Rules, Terms, and Conditions or contact the Credit Union at 888.800.3328.