� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 10200764-MXC10-C-1-120219 (MXC101-E)
APPLICATION ANDSOLICITATIONDISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) forPurchasesVISA SIGNATURE CONNECT REWARDS Introductory APR, for qualifying members, for a period of sixbilling cycles.After that, or if you do not qualify for the Introductory APR, your APR will be
to , based on your creditworthiness. This APRwill vary with the market based on the Prime Rate.CONNECT
to  Introductory APR, for qualifying members,for a period of six billing cycles, based on your creditworthiness.After that, or if you do not qualify for an Introductory APR, your APR will be
 to , based on your creditworthiness. This APRwill vary with the market based on the Prime Rate.
APR for Balance TransfersVISA SIGNATURE CONNECT REWARDS Introductory APR, for qualifying members, for a period of six billingcycles.After that, or if you do not qualify for the Introductory APR, your APR will beto,based on your creditworthiness. This APR will vary withthe market based on the Prime Rate.CONNECT Introductory APR, for qualifying members, for a period After that, or if you do not qualify for the Introductory APR, your APR will be, based on your creditworthiness. This APR will vary withthe market based on the Prime Rate.
SEE NEXT PAGE for more important information about your account. toofsix billingF\FOHVVISA SIGNATURE CONNECT REWARDS/CONNECT
0.00%1%%%%.%1%
0.00%1%2%%.%1%%to � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 10200764-MXC10-C-1-120219 (MXC101-E)APR for Cash AdvancesVISA SIGNATURE CONNECT REWARDS Introductory APR, for qualifying members, for a period of six billingcycles.After that, or if you do not qualify for the Introductory APR, your APR will beto, based on your creditworthiness. This APR will vary withthe market based on the Prime Rate.CONNECTto Introductory APR, for qualifying members, for a period ofsix billing cycles, based on your creditworthiness.After that, or if you do not qualify for an Introductory APR, your APR will be, based on your creditworthiness. This APR will vary withthe market based on the Prime Rate.
How to Avoid Paying Interest onPurchasesYour due date is at least 25 days after the close of each billing cycle. We willnot charge you any interest on purchases if you pay your entire balance bythe due date each month.
For Credit Card Tips from theConsumer Financial Protection BureauTo learn more about factors to consider when applying for or using acredit card, visit the website of the Consumer Financial ProtectionBureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
- Annual Fee - VISA SIGNATURECONNECT REWARDSNone- Annual Fee - CONNECT$25.00, based on your creditworthiness
Transaction Fees
- Balance Transfer Fee
- Overdraft Transfer Fee
- Foreign Transaction FeeNone$.001.00%of eachtransaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $27.00
How We Will Calculate Your Balance:We use a method called "average daily balance (including new purchases)."Promotional Period for Introductory APR:The Introductory APR for purchases, balance transfers and cash advanceswill apply to transactions posted to your account during the first six months following the opening of your account. Anyexisting balances on Vantage West Credit Union loan or credit card accounts are not eligible for the Introductory APR forbalance 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.Other Fees & Disclosures:Late
Payment Fee:$27.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more dayslate in making a payment.Annual Fee
 -CONNECT :$25.00 based on your creditworthinessPay-by-Phone Fee
:$15.00.Rush Fee
:$33.00.0.00%%2%2.99% 4.99%.%1.%
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