APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Visa Share Secured 
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Visa Classic 
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Visa  Student 
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Visa Share Secured 
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Visa Classic 
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Visa  Student 
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Visa Share Secured 
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Visa Classic 
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Visa  Student 
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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. 

Fees 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

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F12           
F13        of each transaction in U.S. dollars 

Up to F14            
Up to F15           
Up to F16           

How We Will Calculate Your Balance: We use a method called “average daily balance (excluding new purchases).”  

Effective Date:  
The information about the costs of the card described in this application is accurate as of F17                          .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DCALO6 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
OTHER DISCLOSURES 

Late Payment Fee 

Over-the-Credit Limit Fee 

Returned Payment Fee 

Returned Convenience Check Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 
Visa Check Stop Payment Fee 

F18        or the amount of the required minimum payment, whichever is 
less, if you are ten (10) or more days late in making a payment. 
F19        or the amount of the transaction exceeding your credit limit, 
whichever is less. 
F20        or the amount of the required minimum payment, whichever is 
less. 
F21        or the amount of the returned convenience check, whichever is 
less. 
F22        per page 
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F24           
F25           
F26           

Visa Share Secured Card: 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. 

DCALO6 (MXC403 CCM003)-e