� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04213945-MXC10-P-1-033017 (MXC101-E)
APPLICATION ANDSOLICITATIONDISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) forPurchasesVisa Platinum Introductory APR for a period of six billing cycles.After that, your APR will be
,,,or
, based on your creditworthiness.Visa Platinum Rewards Introductory APR for a period of six billing cycles.After that, your APR will be
,,,or
, based on your creditworthiness.
APR for Balance TransfersVisa Platinum Introductory APR for a period of six billing cycles.After that, your APR will be,,, o r, based on your creditworthiness.Visa Platinum Rewards Introductory APR for a period of six billing cycles.After that, your APR will be,,, o r, based on your creditworthiness.
APR for Cash AdvancesVisa Platinum Introductory APR for a period of six billing cycles.After that, your APR will be,,, o r, based on your creditworthiness.Visa Platinum RewardsIntroductory APR for a period of six billing cycles.After that, your APR will be,,, o r, based on your creditworthiness.
How to Avoid Paying Interest onPurchasesYour due date is at least 25 days after the close of each billin g 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 theConsumer Financial Protection BureauTo learn more about factors to consider when applying for or us ing a credit card, visit the website of the Consumer Financial Protec tion Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
- Annual FeeNone
SEE NEXT PAGE for more important information about your account .VISA PLATINUM/VISA PLATINUM REWARDS
2.99%7.90% 8.90% 10.90%13.90% 15.90%2.99%9.90% 10.90% 12.90%15.90% 17.90%
2.99%7.90% 8.90% 10.90% 13.90% 15.90%2.99%9.90% 10.90% 12.90% 15.90% 17.90%2.99%7.90% 8.90% 10.90% 13.90% 15.90%2.99%9.90% 10.90% 12.90% 15.90% 17.90% � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04213945-MXC10-P-1-033017 (MXC101-E)Transaction Fees
- Foreign Transaction Fee1.00% of each transaction in U.S. dollars
Penalty Fees
- Late Payment FeeNone
- Over-the-Credit Limit FeeNone
- Returned Payment Fee Up to $26.00
How We Will Calculate Your Balance:We use a method called "average daily balance (excluding new pur chases and balance transfers) (including new cash advances)."Promotional Period for Introductory APR:The Introductory APR for purchases, balance transfers and cash a dvances will apply to transactions posted to your account during the first six months following the opening of you r account. Effective Date:The information about the costs of the card described in this a pplication is accurate as of: This information may have changed after that date. To find out what may have changed, contact the Credit Union. Missouri Fee Notice:Credit card fees are governed by �408.140 of the Missouri Revised Statutes , unless we charge fees as permitted by applicable federal law.For California Borrowers, the Visa Platinum and Visa Platinum Rewards are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifical ly pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any indivi dual 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 lo ans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge an d agree that during any periods when you are a covered borrower under the Military Lending Act your credit card w ill 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 borrowe r 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:The following fees do not apply to borrowers in the State of Mi ssouri: Account Set-up Fee, Program Fee, Participation Fee, Additional Card Fee, Application Fee, Balance Transfer Fee , Transaction Fee for Purchases, Foreign Transaction Fee, Over-the-Credit Limit Fee, Statement Copy Fee, Document Co py Fee, Rush Fee, Emergency Card Replacement Fee, PIN Replacement Fee, Card Replacement Fee, Unreturned Card  Fee, and Pay-by-Phone Fee. Returned Payment Fee
:
$26.00 or the amount of the required minimum payment, whichever is less. Pay-by-Phone Fee
:
$5.00.Rush Fee
:
$42.00.Statement Copy Fee
:
$2.00.April 20, 2017