APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

SMART Card

 Introductory APR for a period of

 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

 to

UNlimited Cash

 Introductory APR for a period of

 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

 to

Priority Plus

 Introductory APR for a period of

 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

 to

APR for Balance Transfers

SMART Card

 Introductory APR for a period of

 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

 to

UNlimited Cash

 Introductory APR for a period of

 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

 to

Priority Plus

 Introductory APR for a period of

 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

 to

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01402665-MXC10AXX00-C-1-091621 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

APR for Cash Advances

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Annual Fee
- Annual Fee

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee - SMART Card,
UNlimited Cash
- Foreign Transaction Fee - Priority Plus
- Transaction Fee for Purchases
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

SMART Card

to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

UNlimited Cash

to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Priority Plus

to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Your 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.

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.

None

None
$5.00 or 3.00% of the amount of each cash advance, whichever is greater
1.00% of each transaction in U.S. dollars

None
None

Up to $29.00
Up to $29.00

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 for purchases and balance transfers will apply to transactions posted to your account during the first
following the opening of your account. Any existing balances on loan or credit card accounts are

not eligible for the Introductory APR for balance transfers.

Loss of Introductory APR:
We may end your Introductory APR for purchases and balance transfers and apply the prevailing non-introductory 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 SMART Card, UNlimited Cash and Priority Plus are secured credit cards. Credit
extended under this credit card account is secured by various personal property and money including, but not
limited 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 Account or in any other account that would lose
special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit
Union excluding dwellings.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01402665-MXC10AXX00-C-1-091621 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

Other Fees & Disclosures:
Late Payment Fee:
$29.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a
payment.

Cash Advance Fee (Finance Charge):
$5.00 or 3.00% of the amount of each cash advance, whichever is greater.

Returned Payment Fee:
$29.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$5.00.

Emergency Card Replacement Fee:
None.

Rush Fee:
$30.00.

Statement Copy Fee:
$5.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01402665-MXC10AXX00-C-1-091621 (MXC102-E)

SEE NEXT PAGE for more important information about your account.