� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03706194-MXC10-C-2-020119 (MXC101-E)APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Classic
Visa Gold
Visa Platinum
APR for Balance Transfers Visa Classic
 Introductory APR until December 31, 2020.
After that, your APR will be .
Visa Gold
 Introductory APR until December 31, 2020.
After that, your APR will be .
Visa Platinum
 Introductory APR until December 31, 2020.
After that, your APR will be .
APR for Cash Advances Visa Classic
Visa Gold
Visa Platinum
Penalty APR and When it Applies Visa Classic
Visa Gold
Visa Platinum
How to Avoid Paying Interest on
PurchasesYour 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 None
SEE NEXT PAGE for more important information about your account.
 �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03706194-MXC10-C-2-020119 (MXC101-E)For Credit Card Tips from the
Consumer Financial Protection BureauTo 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
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $20.00
- Over-the-Credit Limit Fee None
- Returned Payment Fee Up to $27.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash
advances)."
Promotional Period for Introductory APR :
TheIntroductory APR forbalance transfers willapply totransactions posted toyour account until 12/31/2020 .Anyexisting
balances onNew Cumberland Federal Credit Union loan orcredit card accounts arenoteligible fortheIntroductory APR
for balance transfers.
Loss of Introductory APR :
We may end your Introductory APR for balance transfers  and apply the prevailing non-introductory APR if you are 60 days
late in making a payment.
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.
ForCalifornia Borrowers, theVisa Classic, Visa Gold andVisa Platinum aresecured credit cards. Credit extended
under this credit card account issecured byvarious personal property and money including, butnotlimited to:
(a)any goods you purchase with this account, (b)any shares you specifically pledge ascollateral forthis
account onaseparate Pledge ofShares, (c)allshares you have inanyindividual orjoint account with theCredit
Union excluding shares inanIndividual Retirement Account orinanyother account that would lose special tax
treatment under state orfederal law, and (d)collateral securing other loans you have with theCredit Union
excluding dwellings. Notwithstanding theforegoing, you acknowledge and agree that during any periods when
you areacovered borrower under theMilitary Lending Act your credit card will besecured byany specific
Pledge ofShares you grant usbutwillnotbesecured byallshares you have inany individual orjoint account
with theCredit Union. Forclarity, you willnotbedeemed acovered borrower 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:
Late Payment Fee :
$20.00 ortheamount oftherequired minimum payment, whichever isless, ifyouarefiveormore days lateinmaking a
payment.
Returned Payment Fee :
$27.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee :
$5.00 .
Rush Fee :
$75.00  overnight .$50.00  second day .
Statement Copy Fee :
$1.00  per document .