� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01301041-MXC10-C-1-061819 (MXC101-E) APPLICATION AND 
SOLICITATION 
DISCLOSURE 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases Platinum Visa 
 to , based on your creditworthiness. 
Platinum Visa Rewards 
Share Secured Visa Platinum 
Global Good 
 to , based on your creditworthiness. 
APR for Balance Transfers Platinum Visa 
 to , based on your creditworthiness. 
Platinum Visa Rewards 
Share Secured Visa Platinum 
Global Good 
 to , based on your creditworthiness. 
APR for Cash Advances Platinum Visa 
to , based on your creditworthiness. 
Platinum Visa Rewards 
Share Secured Visa Platinum 
Global Good 
to , based on your creditworthiness. 
How to Avoid Paying Interest on 
Purchases Your due date is at least 25 days after the close of each bil ling cycle. We will 
not charge you any interest on purchases if you pay your entire ba lance 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 fo r or using a 
credit card, visit the website of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore. 
SEE NEXT PAGE for more important information about your accoun t. 
Platinum Visa 1 
9.99% 17.99% 
13.99% 
17.99% 
9.99% 17.99% 
9.99% 17.99% 
13.99% 
17.99% 
9.99% 17.99% 
9.99% 17.99% 
13.99% 
17.99% 
9.99% 17.99%  � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01301041-MXC10-C-1-061819 (MXC101-E) Fees 
Transaction Fees 
- Cash Advance Fee $5.00  or 4.00%  of the amount of each cash advance, whichever is greater 
- Foreign Transaction 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 Up to $25.00 
- Returned Payment Fee Up to $25.00 
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:
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
For California Borrowers, the Platinum Visa, Platinum Visa Rewa rds, Share Secured Visa Platinum and Global 
Good are secured credit cards. Credit extended under this cred it card account is secured by various personal 
property and money including, but not limited to: (a) any goods yo u purchase with this account, (b) any shares 
you specifically pledge as collateral for this account on a separ ate Pledge of Shares, (c) all shares you have in 
any individual or joint account with the Credit Union excludin g shares in an Individual Retirement Account or in 
any other account that would lose special tax treatment under state o r federal law, and (d) collateral securing 
other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you 
acknowledge and agree that during any periods when you are a co vered borrower under the Military Lending Act 
your credit card will be secured by any specific Pledge of Shar es you grant us but will not be secured by all 
shares you have in any individual or joint account with the Cred it Union. For clarity, you will not be deemed a
covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you 
cease to be a covered borrower. 
Other Fees & Disclosures: 
Late Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less, i f you are 14 or more days late in making a
payment. 
Cash Advance Fee (Finance Charge) :
$5.00 or 4.00% of the amount of each cash advance, whichever is greater. 
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less. 
Global Good: Inova Federal Credit Union will donate 15.00% of the interchange f ee on every purchase you make to the 
Worldwide Foundation for Credit Unions. Donations from your purcha ses help provide access to the financial building 
blocks needed to support families and strengthen economies in co mmunities around the world. 4/15/2020