� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 10401000-MXC10-P-1-080817 (MXC101-E)
APPLICATION ANDSOLICITATIONDISCLOSURE
VISA GOLD/VISA CLASSIC
Interest Rates and Interest Charges
Annual Percentage Rate (APR) forPurchasesVisa Gold
10.15%
This APR will vary with the market based on the Prime Rate.Visa Classic
14.90%
APR for Balance TransfersVisa Gold10.15%This APR will vary with the market based on the Prime Rate.Visa Classic14.90%
APR for Cash AdvancesVisa Gold10.15%This APR will vary with the market based on the Prime Rate.Visa Classic14.90%
Penalty APR and When it AppliesVisa GoldNoneVisa ClassicNone
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 ChargeNone
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
-Foreign Transaction Fee
Penalty Fees
-Late Payment FeeUp to$10.00
-Returned Payment FeeUp to$10.00
SEE NEXT PAGE for more important information about your account.
April 1,2020
1.00%of each multiple currency transaction in U.S. dollars 1.00%of each single currency transaction in U.S. dollars 10401000-MXC10-P-1-080817 (MXC101-E)How We Will Calculate Your Balance:We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cashadvances)."Effective Date:The information about the costs of the card described in this application is accurate as of: April 1, 2020 This information may have changed after that date. To find out what may have changed, contact the Credit Union.Other Fees & Disclosures:Late Payment Fee:
$10.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making apayment.Returned Payment Fee:
$10.00 or the amount of the required minimum payment, whichever is less.
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved April 1, 2020