APPLICATION ANDSOLICITATIONDISCLOSURE
VISA PLATINUM OPTIMUM/VISA PLATINUM CASH REWARDSPO Box 7850
Ann Arbor, MI 48107(734) 662-8200 � (800) 968-UMCUUMCU.ORG
Interest Rates and Interest ChargesAnnual Percentage Rate (APR) for Purchases Visa Platinum Optimum
8.99%
Visa Platinum Cash Rewards
12.99%
APR for Balance Transfers Visa Platinum Optimum8.99%Visa Platinum Cash Rewards12.99% APR for Cash Advances Visa Platinum Optimum8.99%Visa Platinum Cash Rewards12.99% Penalty APR and When it Applies Visa Platinum OptimumNoneVisa Platinum Cash RewardsNone How to Avoid Paying Interest onPurchases Your due date is at least 27 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 None For Credit Card Tips from theConsumer 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. FeesSet-up and Maintenance Fees- Annual Fee- Account Set-up Fee- Program Fee- Participation Fee- Additional Card Fee- Application FeeNoneNoneNoneNone$5.00None Transaction Fees- Balance Transfer Fee- Foreign Transaction Fee- Non-UMCU/Non-CO-OP- Network ATM Transaction Fee- Overdraft Protection Transfer FeeNone1.00% of each transaction in U.S. dollars$2.00$2.00SEE NEXT PAGE for more important information about your account.
02107749-MXC10-C-1-043019 (MXC101-E) � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
 Page 1 of 3 SEE NEXT PAGE for more important information about your account.
02107749-MXC10-C-1-043019 (MXC101-E) � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
Penalty Fees- Late Payment Fee- Over-the-Credit Limit Fee- Return Payment Fee Up to $35.00NoneNone
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 described in this application is accurate as of: April 13, 2020This information may have changed after that date. To find out what may have changed, contact the Credit Union.For California Borrowers, the Visa Platinum Optimum and Visa Platinum Cash Rewards 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.Cash Back Bonus for Visa Platinum Cash Rewards:All purchases made will earn a cashback bonus. Cash advances, balance transfers, and transfers for overdraft do not earn the cashback bonus. The Visa Platinum Cash Rewards cashback bonus rate is 1.10%. Credits for returned merchandise and credits for disputed transactions will be deducted from the bonus total. The bonus will be paid at least annually and will be deposited to a University of Michigan Credit Union share savings account. Any earned and unpaid cashback bonus will be forfeited upon closure of the card. The Credit Union reserves the right to change or terminate the cashback bonus at any time.Other Fees & Disclosures:Late Payment Fee:$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making apayment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, youwill be charged $35.00 or the amount of the required minimum payment, whichever is less.Additional Card Fee:$5.00.Non-UMCU/Non-CO-OP Network ATM Transaction Fee:$2.00.Overdraft Protection Transfer Fee:$2.00.Card Recovery Fee:None.Card Replacement Fee:$5.00.Document Copy Fee:$10.00.Emergency Card Replacement Fee:None.
Page 2 of 3 Pay-by-Phone Fee:$10.00.PIN Replacement Fee:None.Rush Fee:None.Statement Copy Fee:$5.00 per document.Unreturned Card Fee:None.Account Research Fee:$30.00 per hour.
02107749-MXC10-C-1-043019 (MXC101-E) � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
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