� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 02102922-MXC10-P-1-090117 (MXC101-E)APPLICATION ANDSOLICITATIONDISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) forPurchasesVisa Platinum
 to , based on your creditworthiness.Visa Signature
 to , based on your creditworthiness.Visa Secured
 to , based on your creditworthiness.
APR for Balance TransfersVisa Platinum to, based on your creditworthiness.Visa Signature to, based on your creditworthiness.Visa Secured to, based on your creditworthiness.
APR for Cash AdvancesVisa Platinumto, based on your creditworthiness.Visa Signatureto, based on your creditworthiness.Visa Securedto, based on your creditworthiness.
Penalty APR and When it Applies Visa PlatinumVisa SignatureVisa SecuredThis APR may be applied to your account if you:- Make a late payment.How Long Will the Penalty APR Apply?If your APRs are increased forthis reason, the Penalty APR will apply until you make six consecutiveminimum payments when due.
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.
Minimum Interest Charge None
SEE NEXT PAGE for more important information about your account.
VISA PLATINUM/VISA SIGNATURE/VISA SECURED
8.90% 18.00%9.90% 18.00%8.90% 18.00%
8.90% 18.00%9.90% 18.00%8.90% 18.00%8.90% 18.00%9.90% 18.00%8.90% 18.00%16.90% to 18.00%16.90% to 18.00%16.90% to 18.00% � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 02102922-MXC10-P-1-090117 (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 FeeNone
Penalty Fees
- Late Payment Fee Up to $25.00
- Over-the-Credit Limit Fee Up to $25.00
- Returned Payment Fee Up to $25.00
How We Will Calculate Your Balance:We use a method called "average daily balance (including new purchases)."Application of Penalty APR:Your APR may be increased to the disclosed Penalty 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.For California Borrowers, the Visa Secured is a secured credit card. Credit extended under this credit cardaccount is secured by various personal property and money including, but not limited to: (a) any goods youpurchase with this account, (b) any shares you specifically pledge as collateral for this account on a separatePledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excludingshares in an Individual Retirement Account or in any other account that would lose special tax treatment understate 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 coveredborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares yougrant 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 borrower if: (i) you establish your credit card account when you arenot a covered borrower; or (ii) you cease to be a covered borrower.Other Fees & Disclosures: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 apayment.Over-the-Credit Limit Fee
:
$25.00 or the amount of the transaction exceeding your approved credit limit, whichever is less.Returned Payment Fee
:
$25.00 or the amount of the required minimum payment, whichever is less.Card Replacement Fee
:
$5.00.Rush Fee
:
$35.00.10/01/2017