� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04804927-MXC10-C-1-030119 (MXC101-E)APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Credit Card
 to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Rewards Credit Card
 to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards Card
 to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Secured
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers Visa Credit Card
 Introductory APR for a period of 18 billing cycles.
After that, your APR will be  to , based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Rewards Credit Card
 Introductory APR for a period of 18 billing cycles.
After that, your APR will be  to , based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards Card
 Introductory APR for a period of 18 billing cycles.
After that, your APR will be  to , based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Secured
This APR will vary with the market based on the Prime Rate.
SEE NEXT PAGE for more important information about your account.
9.15%
20.50%
11.75%
23.10%
15.41%
23.50%
13.95%
0.00%
9.15%
20.50%
0.00%
11.75%
23.10%
0.00%
15.41%
23.50%
13.95% �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04804927-MXC10-C-1-030119 (MXC101-E)APR for Cash Advances Visa Credit Card
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Rewards Credit Card
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards Card
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Secured
This APR will vary  with the market based on the Prime Rate .
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.
Minimum Interest Charge If you are charged interest, t he charge will be no less than $1.00 .
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
Set-up and Maintenance Fees
- Annual Fee None
- Additional Card Fee None
Transaction Fees
-Introductory APR Balance Transfer Fee
  Visa Credit Card
  Visa Rewards Credit Card
  Visa Signature Rewards Card$10.00  or3.00%  of the amount of each balance transfer, whichever is
greater
- Balance Transfer Fee
  Visa SecuredNone
- Cash Advance Fee $2.00
- Foreign Transaction Fee
  Visa Credit Card
  Visa Rewards Credit Card
  Visa Secured1.00%  of each multiple currency transaction in U.S. dollars
0.80%  of each single currency transaction in U.S. dollars
- Foreign Transaction Fee
  Visa Signature Rewards CardNone
- Tra nsaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $25.00
- Returned Payment Fee Up to $25.00
How WeWill Calculate Your Balance: Weuseamethod called "average daily balance (excluding new purchases)
(including new balance transfers and cash advances)."
Introductory APR forBalance Transfers -Visa Credit Card, Visa Rewards Credit Card, and Visa Signature
Rewards Card: Wepermit balance transfers from most non-University ofWisconsin Credit Union accounts. Anyexisting
balances onUniversity OfWisconsin Credit Union loan orcredit card accounts arenoteligible fortheIntroductory APR for
balance transfers.
Minimum Interest Charge :The minimum interest charge will be charged on any dollar amount .
SEE NEXT PAGE for more important information about your account.
9.15%
20.50%
11.75%
23.10%
15.41%
23.50%
13.95% �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04804927-MXC10-C-1-030119 (MXC101-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 Credit Card, Visa Rewards Credit Card, Visa Signature Rewards Card and Visa
Secured aresecured credit cards .Credit extended under this credit card account issecured byvarious personal
property and money including, butnotlimited to:(a)anygoods you purchase with this account, (b)anyshares
you specifically pledge ascollateral forthis account onaseparate Pledge ofShares, (c)allshares you have in
anyindividual orjoint account with theCredit Union excluding shares inanIndividual Retirement Account orin
any other account that would lose special taxtreatment under state orfederal law, and (d)collateral securing
other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you
acknowledge and agree that during anyperiods whenyou areacovered borrower under theMilitary Lending Act
your credit card willbesecured byany specific Pledge ofShares you grant usbutwillnotbesecured byall
shares you have inany individual orjoint account with theCredit Union. Forclarity, you willnotbedeemed a
covered borrower if:(i)you establish your credit card account when you arenotacovered borrower; or(ii)you
cease to be a covered borrower.
Other Fees & Disclosures:
Late Payment Fee:$25.00 ortheamount oftherequired minimum payment, whichever isless, ifyouareoneormore
days late in making a payment.
Balance Transfer Fee(Finance Charge) -Visa Credit Card, Visa Reward sCredit Card, andVisa Signature Rewards Card :
$10.00 or3.00% oftheamount ofeach balance transfer, whichever isgreater. However, thisfeeiswaived fornon-
introductory balance transfers .
Cash Advance Fee (Finance Charge) :$2.00 .
Returned Payment Fee :$25.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee :$5.00 .
Rush Fee: $25.00 Monday through Friday fordomestic delivery. $45.00 International delivery and Saturday domestic
delivery.
September 01, 2021