APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM/VISA SIGNATURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum
8.75%

This APR will vary with the market based on the Prime Rate.

Visa Signature
10.75% 16.75%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

APR for Balance Transfers

Visa Platinum
1.99%

Introductory APR for 12 months from account opening.

After that, your APR will be
based on the Prime Rate.

8.75%

. This APR will vary with the market

Visa Signature
1.99%

 Introductory APR for 12 months from account opening.

APR for Cash Advances

10.75% 16.75%
 to

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Platinum
8.75%

, based on your

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

This APR will vary with the market based on the Prime Rate.

Visa Signature
10.75% 16.75%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

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.

Fees
Annual Fee
- Annual Fee

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee

None

None
None
None

©CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

16300736-MXC10-C-1-050621 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Up to $25.00
Up to $25.00

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 balance transfers will apply to transactions posted to your account during the first 90 days
following the opening of your account. Any existing balances on HFS Federal Credit Union 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.

June 03, 2021

For California Borrowers, the Visa Platinum and Visa Signature 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.

Other Fees & Disclosures:
Late Payment Fee:
10.00% of your current required minimum payment, if you are 10 or more days late in making a payment. However, the
fee will not exceed $25.00.

Returned Payment Fee:
$25.00 or the amount of your current required minimum payment, whichever is less.

Emergency Card Replacement Fee:
$100.00 for requests originating and delivered inside the U.S.
$165.00 for requests originating or delivered outside the U.S.

Rush Fee:
$80.00.

Statement Copy Fee:
$5.00 per copy.

Account Research Fee:
$25.00 per hour (minimum 1 hour).

©CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

16300736-MXC10-C-1-050621 (MXC102-E)