APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum Preferred

 Introductory APR for a period of 12 billing cycles.

,
After that, your APR will be
based on your creditworthiness. This APR will vary with the market based
on the Prime Rate.

or

,

Visa Platinum
,

,
when you open your account, based on your creditworthiness. This APR will
vary with the market based on the Prime Rate.

or

,

,

APR for Balance Transfers

Visa Platinum Share Secured

This APR will vary with the market based on the Prime Rate.

Visa Platinum Preferred

 Introductory APR for a period of 12 billing cycles.

After that, your APR will be
, based on your
,
creditworthiness. This APR will vary with the market based on the Prime
Rate.

 or

Visa Platinum
,

or
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

Visa Platinum Share Secured

This APR will vary with the market based on the Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200094-MXC10-C-1-032517 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

APR for Cash Advances

Visa Platinum Preferred

,

or

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Visa Platinum
,

or
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

Visa Platinum Share Secured

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

This APR will vary with the market based on the Prime Rate.

Your due date is at least 25 days after the close of each billing cycle. We will
not charge you any interest on purchases if you pay your entire balance by
the due date each month.

To learn more about factors to consider when applying for or using a
credit card, visit the website of the Consumer Financial Protection
Bureau at http://www.consumerfinance.gov/learnmore.

Fees
Transaction Fees
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

1.00% of each multiple currency transaction in U.S. dollars
1.00% of each single currency transaction in U.S. dollars

Up to $32.00
Up to $32.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash
advances)."

Promotional Period for Introductory APR - Visa Platinum Preferred:
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first
12 months following the opening of your account. Any existing balances on Tucson Federal Credit Union loan or credit
card accounts are not eligible for the Introductory APR for balance transfers.

Effective Date:
The information about the costs of the card described in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum Preferred, Visa Platinum and Visa Platinum Share Secured are
secured credit cards. Credit extended under this credit card account is secured by various personal property and
money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you
specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any
individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any
other account that would lose special tax treatment under state or federal law, and (d) collateral securing other
loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and
agree that during any periods when you are a covered borrower under the Military Lending Act your credit card
will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in
any individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i)
you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered
borrower.

Other Fees & Disclosures:
Late Payment Fee:
20.00% of the interest due, if you are 10 or more days late in making a payment. However, the fee will not exceed $32.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200094-MXC10-C-1-032517 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Returned Payment Fee:
$32.00 or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee:
$32.00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee:
$10.00.

Document Copy Fee:
$5.00.

Emergency Card Replacement Fee:
$40.00.

Pay-by-Phone Fee:
$20.00.

Rush Fee:
$40.00.

Statement Copy Fee:
$2.00.

Non-TFCU ATM Fee:
$2.00 per transaction.

Copy of Visa Voucher Fee:
$5.00 per copy.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200094-MXC10-C-1-032517 (MXC101-E)