APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

F2             
This APR will vary with the market based on the Prime Rate. 
F3             
This APR will vary with the market based on the Prime Rate. 
F4             
This APR will vary with the market based on the Prime Rate. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
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 
Transaction Fees 
-  Balance Transfer Fee 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 

F5             

F6        of the amount of each balance transfer (Maximum Fee: F7        ) 
F8        of each multiple currency transaction in U.S. dollars 
F9        of each single currency transaction in U.S. dollars 

Up to F10            
Up to F11           

How We Will Calculate Your Balance: We use a method called “average daily balance (excluding new purchases).”  

Effective Date:  
The information about the costs of the card described in this application is accurate as of F12                             .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Over-the-Credit Limit Fee 

F13         or the amount of the required minimum payment, whichever 
is less, if you are ten or more days late in making a payment. 
F14         or the amount of the transaction exceeding your approved 
credit limit, whichever is less. In the event you exceed your credit limit 
in the same or in any of the six billing cycles following the initial 
violation, you will be charged F15         or the amount of the transaction 
exceeding your approved credit limit, whichever is less. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

10501861-MXC40-P-1-090414 (MXC403 CCM003)-e