� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04502863-MXC10-C-2-112219 (MXC101-E)
APPLICATION ANDSOLICITATIONDISCLOSURE
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Interest Rates and Interest Charges
Annual Percentage Rate (APR) forPurchasesVisa Signature Rewards
to , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Rewards
 to , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Secured
 to , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.
APR for Balance TransfersVisa Signature Rewards Introductory APR for a period of six billing cycles.After that, your APR will beto, based on your creditworthiness. This APR will vary with the market based on the PrimeRate.Visa Rewards to, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Secured to, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.
APR for Cash AdvancesVisa Signature Rewardsto, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Rewardsto, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Securedto, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.
How to Avoid Paying Interest onPurchasesYour due date is at least 25 days after the close of each billing cycle. We willnot charge you any interest on purchases if you pay your entire balance bythe due date each month.
SEE NEXT PAGE for more important information about your account. 8.99 6.99  6.99
 8.99  6.99 6.99 8.99 6.996.99 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04502863-MXC10-C-2-112219 (MXC101-E)For Credit Card Tips from theConsumer Financial Protection BureauTo learn more about factors to consider when applying for or using acredit card, visit the website of the Consumer Financial ProtectionBureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
- Annual FeeNone
Transaction Fees
- Balance Transfer FeeNone
- Cash Advance FeeNone
- Foreign Transaction Fee - VisaSignature RewardsNone- Foreign Transaction Fee - VisaRewards, Visa Secured1.00% of each multiple currency transaction in U.S. dollars0.80% of each single currency transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $29.00
- Over-the-Credit Limit FeeNone
- 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 Signature Rewards: The Introductory APR for balance transfers will apply to transactions posted to your account during the first six billing cycles following the opening of your account. Anyexisting balances on Chartway Federal Credit Union loan or credit card accounts are not eligible for the Introductory APRfor 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.For California Borrowers, the Visa Signature Rewards, Visa Rewards and Visa Secured are secured credit cards.Credit extended under this credit card account is secured by various personal property and money including, butnot limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateralfor this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with theCredit Union excluding shares in an Individual Retirement Account or in any other account that would losespecial tax treatment under state or federal law, and (d) collateral securing other loans you have with the CreditUnion excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periodswhen you 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.Other Fees & Disclosures:Late
Payment Fee:$29.00 or the amount of the required minimum payment, whichever is less, if you are more than fivedays late in making a payment.Returned Payment Fee
:$15.00 or the amount of the required minimum payment, whichever is less.Card Replacement Fee
:$15.00.Document Copy Fee
:$5.00.Emergency Card Replacement Fee
:$20.00.April 1, 2020