�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00903275-MXC10-C-3-062821 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Platinum
 Introductory APR  for a period of .
After that ,your APR will be  to ,based on your
creditworthiness.
Visa Secured
 Introductory APR  for a period of .
After that ,your APR will be .
Visa Platinum Rewards
 Introductory APR  for a period of .
After that ,your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
APR for Balance Transfers Visa Platinum
 Introductory APR  for a period of .
After that,  your APR will be  to ,based on your
creditworthiness.
Visa Secured
 Introductory APR  for a period of .
After that,  your APR will be .
Visa Platinum Rewards
 Introductory APR  for a period of .
After that,  your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00903275-MXC10-C-3-062821 (MXC102-E)APR for Cash Advances Visa Platinum
 Introductory APR  for a period of .
After that ,your APR will be to ,based on your
creditworthiness.
Visa Secured
 Introductory APR  for a period of .
After that ,your APR will be .
Visa Platinum Rewards
 Introductory APR  for a period of .
After that ,your APR will be to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
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.
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
-International Service Assessment Fee 1.00%  of each multiple currency transaction in U.S. dollars
0.80%  of each single currency transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $38.00
- Over-the-Credit Limit Fee Up to $35.00
- Returned Payment Fee Up to $35.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR :
The Introductory APR forpurchases, balance transfers and cash advances willapply totransactions posted toyour
account during thefirst following theopening ofyour account. Any existing balances onCommunity
Credit Union of Florida  loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
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 Platinum, Visa Secured and Visa Platinum Rewards aresecured credit cards.
Credit extended under thiscredit card account issecured byvarious personal property andmoney including, but
notlimited to:(a)anygoods you purchase with this account, (b)anyshares you specifically pledge ascollateral
forthisaccount onaseparate Pledge ofShares, (c)allshares youhave inanyindividual orjoint account with the
Credit Union excluding shares inanIndividual Retirement Account orinany other account that would lose
special taxtreatment under state orfederal law, and (d)collateral securing other loans you have with theCredit
Union excluding dwellings .
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00903275-MXC10-C-3-062821 (MXC102-E)Other Fees & Disclosures:
Late Payment Fee :
$27.00 ortheamount oftherequired minimum payment, whichever isless, ifyouaremore than 10days lateinmaking a
payment. Intheevent youfailtomake apayment ontime inanyofthesixbilling cycles following theinitial violation, you
will be charged $38.00  or the amount of the required minimum payment, whichever is less.
Over-the-Credit Limit Fee :
$25.00 ortheamount ofthetransaction exceeding your approved credit limit, whichever isless. Intheevent youexceed
your credit limitinanyofthesixbilling cycles following theinitial violation, youwillbecharged $35.00 ortheamount ofthe
transaction exceeding your approved credit limit, whichever is less.
Returned Payment Fee :
$25.00 ortheamount oftherequired minimum payment, whichever isless. Intheevent apayment isreturned inthesame
orinanyofthesixbilling cycles following theinitial violation, youwillbecharged $35.00 ortheamount oftherequired
minimum payment, whichever is less.
Card Replacement Fee :
$5.00 .
Document Copy Fee :
$5.00 .
Emergency Card Replacement Fee :
$25.00 .
Rush Fee :
$25.00 .
Statement Copy Fee :
$5.00 .
Skip A Payment Fee :
$15.00 .