V/SA
VISA PLATINUM/VISA SECURED APPLICATION AND SOLICITATION DISCLOSURE
Interest Bates and interest Charges	
Annual Percentage Rate (APR) for Purchases	Visa Platinum 10.99% tO 17.99% when you open your account, based on your creditworthiness. Visa Secured 7.00%
APR for Balance Transfers	Visa Platinum 4.99% to 11.99% Introductory APR fora period of 12 billing cycles based on your creditworthiness. After that your APR will be 10.99% to 17.99% based on your creditworthiness. Visa Secured 7.00%
APR for Cash Advances	Visa Platinum 10.99% to 17.99% when you open your account, based on your creditworthiness. Visa Secured 7.00%
How to Avoid Paying Interest on Purchases	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.
For Credit Card Tips from the Consumer Financial Protection Bureau	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 - International Service Assessment Fee	1.00% of each multiple currency transaction in U.S. dollars 0.80% of each single currency transaction in U.S. dollars
Penalty Fees -	Late Payment Fee -	Over-the-Credit Limit Fee -	Returned Payment Fee	Up to $35.00 Up to $35.00 Up to $35.00
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”
Visa Platinum Balance Transfer Introductory Rate. The balance transfer Introductory APR as disclosed above applies to your initial balance transfer only.
Effective Date.
The information about the costs of the card described in this application is accurate as of January 1, 2013.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
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SEE BACK OF PAGE for more important information about your account.
©CUNA Mutual Group 2009.10. 12 Al! Rights Reserved
OTHER DISCLOSURES
Late Payment Fee	$25.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.
Over-the-Credit Limit Fee	$25.00 or the amount ofthe transaction exceeding your approved credit limit, whichever is less. In the event you exceed your credit limit in the same or in any ofthe six (6) billing cycles following the initial violation, you will be charged $35.00 or the amount of the transaction exceeding your approved credit limit, whichever is less.
Returned Payment Fee	$25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any ofthe six (6) billing cycles following the initial violation, you will be charged $35.00 or the amount of the required minimum payment, whichever is less.
Statement Copy Fee Document Copy Fee Rush Fee Emergency Card Replacement Fee Card Replacement Fee	$5.00 $5.00 $25.00 $25.00 $25.00
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