SEE NEXT PAGE for more important information about your account.  
04208549-MXC10-C-1-030220 (MXC101-E) � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved    
APPLICATION AND SOLICITATION  DISCLOSURE 
 
 VISA PLATINUM/VISA SECURED 
  
 
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases Visa Platinum  
1.90%  to 5.90% Introductory APR, for qualifying  members,  
 for a period of 12 billing cycles, based on your creditworthiness.  
 After that, or if you do not qualify for an Introductory APR, your APR will be  
 8.90%  to 18.00%  , based on your creditworthiness. 
 Visa Secured  
 14.90%  
APR for Balance Transfers  Visa Platinum  
1.90% to  5.90% Introductory APR, for qualifying members, for a period of 12 billing cycles, based on your creditworthiness.  
 
After that, or if you do not qualify for an Introductory APR, your APR will be  8.90%   to 18.00% , based on your creditworthiness. 
 
Visa Secured 14.90% 
APR for Cash Advances  Visa Platinum  
1.90% to  5.90% Introductory APR, for qualifying members, for a period of 12 billing cycles, based on your creditworthiness.  
 
After that, or if you do not qualify for an Introductory APR, your APR will be  11.90% to 18.00% , based on your creditworthiness. 
 
Visa Secured 17.90% 
Penalty APR and When it Applies  Visa Platinum 
None 
 
Visa Secured None 
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 $1.00 . 
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  
None  
 SEE NEXT PAGE for more important information about your account.  
04208549-MXC10-C-1-030220 (MXC101-E) � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved   Transaction Fees  
- Balance Transfer Fee 
- Cash Advance Fee 
- Foreign Transaction Fee  
None None 1.00% of each transaction in U.S. dollars 
Penalty Fees   
- Late Payment Fee  Up to $25.00  
- Over -the-Credit Limit Fee  None  
- Returned Payment Fee  Up to $32.00  
 
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."   Promotional Period for Introductory APR - Visa Platinum: The Introductory APR for purchases, balance transfers, and cash advances will apply to transactions posted to your account during the first 12 billing cycles following the opening of your account. Any existing balances on FirstLight Federal Credit Union credit card accounts are not eligible for the Introductory APR for balance transfers.   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:  March 05, 2020  This information may have changed after that date. To find out what may have changed, contact the Credit Union.  
 
For California Borrowers, the Visa Platinum and Visa Secured 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 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 borr ower 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: All of these fees will be charged to Your Credit Card Account.   
Stop Payment Fee: 
$32.00.  
Returned Payment Fee: 
$28.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six billing cycles following the initial violation, you will be charged $32.00 or the amount of the required minimum payment, whichever is less.  
Rush Fee: 
$30.00.  
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.  
Card Replacement Fee: 
$10.00.  
Document Copy Fee: 
$5.00.  � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  04208549 -MXC10 -C-1-030220 (MXC101 -E)  Statement Copy Fee: 
$5.00.  
Pay-by-Phone Fee: 
$5.00 when payment is processed by a live agent. There is no fee when you process the payment yourself via online banking.  
Expedited Payment Fee: 
$5.00.  
Returned Visa Statement: 
$5.00.