A division or Lhartway hederal uredit union
V/SA
APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges	
Annual Percentage Rate (APR) for Purchases	Visa Platinum Rewards 8.99% tO 17.89% when you open your account, based on your creditworthiness. Visa Secured 17.89%
APR for Cash Advances	Visa Platinum Rewards 8.99% to 17.89% when you open your account, based on your creditworthiness. Visa Secured 17.89%
APR for Balance Transfers	Visa Platinum Rewards 8.99% to 17.89% when you open your account, based on your creditworthiness. Visa Secured 17.89%
Minimum Interest Charge	If you are charged interest, the charge will be no less than $.01	. The minimum interest charge will be charged on any dollar amount.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer 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.
Fees	
Annual Fee - Annual Fee	None
Transaction Fees -	Balance Transfer Fee -	Cash Advance Fee -	Foreign Transaction Fee	None None 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 -	Over-the-Credit Limit Fee -	Returned Payment Fee	Up to $25.00 None Upto $15.00
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED
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SEE BACK OF PAGE for more important information about your account.
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
July 1,2014.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late Payment Fee
Returned Payment Fee
Document Copy Fee
Emergency Card Replacement Fee
Card Replacement Fee
$20.00 or 5.00% of the required minimum payment, whichever is greater, if you are 15 days late in making a payment. However, the fee will not exceed $25.00 .
$15.00 or the amount of the required minimum payment, whichever is less.
$5.00
$20.00
$15.00
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