�CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserv ed 04207126-MXC10-P-1-072117 (MXC101-E)A
PPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Platinum
 Introductory APR for a period of twelve billing c ycles.
After that, your APR will be  to , based on your
creditworthiness.
Visa Secured Platinum
 Introduc tory APR for  a period of twelve billing c ycles.
After that, your APR will be  to , based on your
creditworthiness.
APR for Balance Transfers Visa Platinum
 Introductory APR for a period  of twelve billing cycles.
After that, your APR will be  to , based on your
creditworthiness.
Visa Secured Platinum
 Introductory APR for a period  of twelve billing cycles.
After that, your APR will be  to , based on your
creditworthiness.
APR for Cash Advances
to , based on your cr editworthiness .Visa Platinum
Your APR will be 
Visa Secured Platinum
to , based on your creditworthiness. Your APR will be 
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserv ed 04207126-MXC10-P-1-072117 (MXC101-E)Pe
nalty APR and When it Applies Visa Platinum
Visa Secured Platinum
This 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 for
this reason, the Penalty APR will apply until you make six conse cutive
minimum payments when due.
How to Avoid Paying Interest on
Pu
rchasesYour 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.
For Credit Card Tips from the
C
onsumer Financial Protection BureauTo learn more about factors to consider when applying for or us ing a
credit card, visit the website of the Consumer Financial Protec tion
Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Transaction Fees
- Balance Transfer Fee $ 2.00 or2.00%  of the amount of each balance transfer, whichever is greater
- Cash Advance Fee $ 2.00 or2.00%  of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee 1 .00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $ 25.00
- Returned Payment Fee Up to $ 35.00
How We Will Calculat e Your Balance:
We use a method c alled "average daily  balance (includ ing new pur chases)."
Loss of Introductory APR:
We may end your Introductory APR for purchases and balance transfers and apply the Penalty  APR if you are 60 days late 
in making a payment.
Application of Penalty APR:
Your APR may be increased to the disclosed P enalty A PR if you are 60 days late in making a payment.
Effective Date:
The information about the costs of the card describe d 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 U nion.
For California Borrowers, the Visa Platinum and Visa Secured Platinum are secured credit cards. Credit extended 
under this credit card account is secured by various personal property and mon ey including, but not limite d to:
(a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this 
account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit 
Union excluding shares in an Individual Retirement Acco unt or in any other account that would lose special tax 
treatment under state or feder al law, and (d) collateral securing other loans you have with the Credit Union 
excluding dwellings. Notwi thstanding the foregoing, you acknowledge and agree that during any period s when 
you are a covered borrower under the Military Lending Act your credit card will be secured by any specific 
Pledge of Shares you grant us but will not be secured by all shares you have in any indivi dual or joint account 
with the Credit Union. For clarity, you will not be deemed a covered borrow er if: (i) you establish your credit card 
account when you are n ot a covered borrower; or (ii) you ceas e to be a covered bor rower.
Other Fees & Disclosures:
Late Payment Fee :
$25.00 or the amount of the required minimum  payment, whichev er is less, if you are one or more days late in making a 
payment.
SEE NEXT PAGE for more important information about your account . �CUNA Mutual Group 2009, 10, 12, 16 All Rights Reser ved 04207126-MXC10-P-1-072117 (MXC101-E)Balance Transfer Fee (Finance Charge) :
$2.00 or 2.00% of the amount of each balance transfer, whi chever is greater.
Cash Advance Fee (Finance Charge) :
$2.00 or 2.00% of the amount of each cash advance, whichever is greater.
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less. I n the event a payment is returned in the same
or in any of the six billing cycles following the initial violation , you will be charged $35.00 or the amount of the required
minimum payment, whichever is less.