APPLICATION AND SOLICITATION DISCLOSURE

F1  

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

Visa Platinum 

F2             to F3             when you open your account, 
based on your creditworthiness. 

APR for Cash Advances 

Visa Platinum Secured 

F4             
Visa Platinum 

F5             to F6             when you open your account, based on your 
creditworthiness. 

APR for Balance Transfers 

Visa Platinum Secured 

F7             
Visa Platinum 

F8             to F9             Introductory APR for a period of 12 billing 
cycles, bases on your creditworthiness. When the discounted period 
expires, the APR on existing balances will increase to the non-discount 
rate on the first day of the billing cycle. 

After that your APR will be F10           to F11          , based on your 
creditworthiness.  

Visa Platinum Secured 

F12           to F13           Introductory APR for a period of 12 billing 
cycles, based on your creditworthiness. When the discounted period 
expires, the APR on existing balances will increase to the non-discount 
rate on the first day of the billing cycle. 

After that your APR will be             . F14           

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 Federal 
Reserve Board 

Fees 
Transaction Fees 
-  International Service Assessment Fee 

Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

We do not charge you 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 Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

F15           of each multiple currency transaction in U.S. dollars 
F16           of each single currency transaction in U.S. dollars 

Up to F17            
Up to F18           
Up to F19           

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  

Effective Date.  
The information about the costs of the card described in this application is accurate as of F20           
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

DFLTB1 (MXC400 CCM001)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
OTHER DISCLOSURES 

Late Payment Fee 

Over-the-Credit Limit Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 

F21           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 violation, you will be charged F22           or the 
amount of the required minimum payment, whichever is less. 
F23           or the amount of the transaction, exceeding your credit limit 
if you are more than $0.01 over your credit limit, whichever is less. In 
the event you exceed your credit limit in any of the six (6) billing cycles 
following the violation, you will be charged F24           or the amount of 
the transaction, whichever is less. 
F25           or the amount of the required minimum payment, whichever 
is less. In the event a payment is returned in any of the six (6) billing 
cycles following the violation, you will be charged F26           or the 
amount of the required minimum payment, whichever is less. 
F27           
F28           
F29           
F30           
F31           

DFLTB1 (MXC400 CCM001)-e