�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 10408870-MXC10-P-1-070821 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Share Secured
Visa Classic
Visa Student
APR for Balance Transfers Visa Share Secured
Visa Classic
Visa Student
APR for Cash Advances Visa Share Secured
Visa Classic
Visa Student
How to Avoid Paying Interest on
PurchasesYour 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.
For Credit Card Tips from the
Consumer Financial Protection BureauTo 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
- Balance Transfer Fee None
- Cash Advance Fee $2.00
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $10.00
- Returned Payment Fee Up to $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash
advances)."
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 10408870-MXC10-P-1-070821 (MXC102-E)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.
ForCalifornia Borrowers, theVisa Share Secured, Visa Classic and Visa Student aresecured credit cards. Credit
extended under this credit card account issecured byvarious personal property and money including, butnot
limited to:(a)anygoods you purchase with this account, (b)anyshares you specifically pledge ascollateral for
this account onaseparate Pledge ofShares, (c)allshares you have inany individual orjoint account with the
Credit Union excluding shares inanIndividual Retirement Account orinany other account that would lose
special taxtreatment under state orfederal law, and (d)collateral securing other loans you have with theCredit
Union excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee :
$10.00 ortheamount oftherequired minimum payment, whichever isless, ifyouare10ormore days lateinmaking a
payment.
Cash Advance Fee (Finance Charge) :
$2.00 .
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less.
Returned Convenience Check Fee :
$25.00  or the amount of the returned convenience check, whichever is less.
Card Replacement Fee :
$25.00 .
Document Copy Fee :
$5.00 .
Rush Fee :
$50.00 .
Statement Copy Fee :
$0.50  per page .
Visa Check Stop Payment Fee :
$15.00 .