Charter Oak Federal Credit Union  � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  00607254 -MXC10 -P-1-051517 (MXC101 -E) APPLICATION AND SOLICITATION DISCLOSURE 
VISA PLATINUM VARIABLE/VISA PLATINUM 
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases Visa Platinum Variable 
9.25% 
This A PR will vary with th e market bas ed on th e Prime Rate. 
Visa Platinum 
13.99% 
APR for Balance Transfers  Visa Platinum Variable 
9.25% 
This A PR will vary with th e market bas ed on th e Prime Rate. 
Visa Platinum 
13.99% 
APR for Cash Advances  Visa Platinum Variable 
9.25% 
This A PR will vary with th e market bas ed on th e Prime Rate. 
Visa Platinum 
13.99% 
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.  
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  
Transaction Fees  
-Balance Transfer Fee None  
-Cash Advance Fee None  
-Foreign Transaction Fee 1.00% of each transaction in U.S. dollars  
Penalty Fees  
-Late Payment Fee
-Returned Payment FeeUp to $25.00 
Up to $25.00  
How W e Will Calculate Your B alan ce: 
We us e a method call ed "average daily  balance ( including new pur c hases)." 
Effective Date: 
The information about the costs of the card described in this application is accurate as of: April 21, 2020  
This i nformation may have changed after t hat d ate. T o find out what m ay have changed, c ontact the Credit Union. 
         SEE NEXT PAGE f or more important information about your account. 
 Charter Oak Federal Credit Union  � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  00607254 -MXC10 -P-1-051517 (MXC101 -E) For California Borrowers, the Visa Platinum Variable and Visa Platinum 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 specifically pledge as collateral for thisaccount on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credi
t
Union excluding shares in an Individual Retirement Account or in any other account that would lose special taxtreatment under state or federal law, and (d) collateral securing other loans you have with the Credit Unionexcluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods whenyou are a covered borrower under the Military Lending Act your credit card will be secured by any specificPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint accountwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit cardaccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.
O
ther Fees & Disclosures: 
Late Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment. 
Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less.  
Card Replacement Fee: 
$25.00. 
Rush Fee: 
$25.00.