�CUNA Mutual Group 2009, 10, 12 All Rights Reserved DGAGD2 (MXC402 CCM002)-e   
F1  
APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases F2          to F3          when you open your account, based 
on your creditworthiness. 
APR for Balance Transfers F4          to F5          when you open your account, based on your 
creditworthiness. 
APR for Cash Advances F6          to F7          when you open your account, based on your 
creditworthiness. 
Penalty APR and When it Applies F8             
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 F9             
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 F10           
Transaction Fees  
- Balance Transfer Fee F11           
- Cash Advance Fee F12        or F13        of the amount of each cash advance, whichever is 
greater 
- Foreign Transaction Fee F14           
Penalty Fees  
- Late Payment Fee Up to F15            
- Returned Payment Fee Up to F16           
How We Will Calculate Your Balance.  We use a method called �average daily balance (including new purchases).�  
Effective Date.  
The information about the costs of the card desc ribed in this application is accurate as of F17            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
OTHER DISCLOSURES 
Late Payment Fee F18        or the amount of the required minimum payment, whichever is 
less, if you are ten (10) or more days late in making a payment. 
Returned Payment Fee F19        or the amount of the required minimum payment, whichever is 
less. In the event a payment is retur ned in the same or in any of the six 
(6) billing cycles following the init ial violation, you will be charged F20           
or the amount of the required minimum payment, whichever is less. 
Document Copy Fee F21           
Rush Fee F22           
Card Replacement Fee F23           
 
18.00 8.90
8.90 18.00 
8.90 18.00
None
None
None
None
$ 5.00 2.00 %
None
$ 25.00
$ 32.00
April 1, 2010.
$ 25.00
$ 25.00
$ 32.00
$ 5.00
$ 15.00
$ 10.00