APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

Visa Secured 
F2           Introductory APR for a period of six billing cycles.  

After that your APR will be F3          .  

Student Visa Secured 
F4           Introductory APR for a period of six billing cycles.  

After that your APR will be F5          .  
Visa Secured 
F6           Introductory APR for a period of six billing cycles.  

After that your APR will be F7          .  

Student Visa Secured 
F8           Introductory APR for a period of six billing cycles.  

After that your APR will be F9          .  
Visa Secured 
F10         Introductory APR for a period of six billing cycles.  

After that your APR will be F11        .  

Student Visa Secured 
F12         Introductory APR for a period of six billing cycles.  

After that your APR will be F13        .  
F14           

This APR may be applied to your account if you: 
  -  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six 
consecutive minimum payments when due. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DCARP2 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 

-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F15           

F16         of the amount of each balance transfer  
(Maximum Fee: F17        ) 
F18         of the amount of each cash advance  
(Maximum Fee: F19        ) 
F20         of each transaction in U.S. dollars 

Up to F21            
Up to F22           

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, balance transfers, and cash advances 
will apply to transactions posted to your account during the first 12 months following the opening of your account.  

Loss  of  Introductory  APR: We  may  end  your  Introductory  APR  for  purchases,  balance  transfers,  and  cash  advances 
and apply the prevailing non-introductory APR if you are 60 days late in making a payment.  

Application of Penalty APR: Your APR may be increased to the disclosed Penalty 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 F23                                
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 

F24         or the amount of the required minimum payment, whichever 
is less, if you are ten or more days late in making a payment. 
F25         or the amount of the required minimum payment, whichever 
is less. 

Visa  Secured  and  Student  Visa  Secured  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. 

DCARP2 (MXC403 CCM003)-e