�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 14605268-MXC10-C-1-091621 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Platinum
 Introductory APR  for a period of six billing cycles.
After that ,your APR will be .
Visa Classic
APR for Balance Transfers Visa Platinum
 Introductory APR  for a period of six billing cycles .
After that,  your APR will be .
Visa Classic
APR for Cash Advances Visa Platinum
Visa Classic
How to Avoid Paying Interest on
PurchasesYour due date is at least 30 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
-Foreign Transaction Fee Up to 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $20.00
- Returned Payment Fee Up to $15.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR  -Visa Platinum :
TheIntroductory APR forpurchases andbalance transfers willapply totransactions posted toyour account during thefirst
sixmonths following theopening ofyour account. Anyexisting balances onFibre Federal Credit Union loan orcredit 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.
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 14605268-MXC10-C-1-091621 (MXC102-E)ForCalifornia Borrowers, theVisa Platinum andVisa Classic aresecured credit cards. Credit extended under this
credit card account issecured byvarious personal property and money including, butnotlimited to:(a)any
goods you purchase with this account, (b)anyshares you specifically pledge ascollateral forthis account ona
separate Pledge ofShares, (c)allshares you have inany individual orjoint account with theCredit Union
excluding shares inanIndividual Retirement Account orinany other account that would lose special tax
treatment under state orfederal law, and (d)collateral securing other loans you have with theCredit Union
excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee :
$20.00 ortheamount oftherequired minimum payment, whichever isless, ifyouareoneormore days lateinmaking a
payment.
Returned Payment Fee :
$15.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee :
$10.00 .
Document Copy Fee :
$20.00 .
Rush Fee :
$50.00  second day .$80.00  overnight .
Unreturned Card Fee :
$2.00 .