~METRO u CREDIT UNION 200 Revere Beach Parkway Chelsea, MA 02150 877-696-3876 VISA 
APPLICATION AND SOLICITATION DISCLOSURE 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases 
APR for Balance Transfers 
APR for Cash Advances 
Penalty APR and When it Applies 
This APR may be applied to your account if you: - Make a late payment. How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the Penalty APR will apply until you make six consecutive minimum payments when due. 
How to Avoid Paying Interest on Purchases 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. 
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50. 
For Credit Card Tips from the Consumer Financial Protection Bureau 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 
Annual Fee - Annual Fee 
$59.00 
Transaction Fees - Cash Advance Fee - Foreign Transaction Fee 
$0.95 1.00% of each transaction in U.S. dollars 
Penalty Fees - Late Payment Fee - Returned Payment Fee 
Up to $10.00 Up to $25.00 
How We Will Calculate Your Balance: 
We use a method called "average daily balance (including new purchases)." 
Application of Penalty APR: 
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. 
Minimum Interest Charge: 
The minimum interest charge will be charged on any dollar amount. 
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 Secured is a secured credit card. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you 
SEE NEXT PAGE for more important information about your account. 
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 02006646-MXC10-P-3-072817 (MXC101-E)  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: 
$10.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making a payment. 
Annual Fee: 
$59.00. 
Cash Advance Fee (Finance Charge): 
$0.95. 
Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 
Card Replacement Fee: 
$10.00. 
Emergency Card Replacement Fee: 
$20.00. 
Pay-by-Phone Fee: 
$5.00. 
Rush Fee: 
$20.00. 
Statement Copy Fee: 
$5.00. 
Copy of Sales Draft Fee: 
$2.00. 
Original Sales Draft Fee: 
$6.00. 
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 02006646-MXC10-P-3-072817 (MXC101-E)