� CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 10200764-MXC10-C-1-120821 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVISA SIGNATURE CONNECT REWARDS
 Introductory APR , for qualifying members,  until December 31,
2022.
After that,  or if you do not qualify for the Introductory APR, your APR will be
 to ,based on your creditworthiness. This APR
will vary with the market based on the Prime Rate.
CONNECT
 or  Introductory APR, for qualifying members,
for a period of six billing cycles, based on your creditworthiness.
After that, or if you do not qualify for an  Introductory APR, your APR will be
 to ,based on your creditworthiness. This APR
will vary with the market based on the Prime Rate.
APR for Balance Transfers VISA SIGNATURE CONNECT REWARDS
 Introductory APR , for qualifying members,  until December 31, 2022.
After that, or if you do not qualify for the  Introductory APR, your APR will be
 to ,based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.
CONNECT
 or  Introductory APR, for qualifying members,  for a period
ofsix billing cycles, based on your creditworthiness.
After that, or if you do not qualify for an  Introductory APR, your APR will be
 to ,based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.
APR for Cash Advances VISA SIGNATURE CONNECT REWARDS
to ,when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
CONNECT
 to Introductory APR, for qualifying members,  forsixbilling
cycles  from account opening, based on your creditworthiness.
After that, or if you do not qualify for an  Introductory APR, your APR will be
to ,based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.
How to Avoid Paying Interest on
PurchasesYour 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.
SEE NEXT PAGE for more important information about your account. � CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 10200764-MXC10-C-1-120821 (MXC102-E)For Credit Card Tips from the
Consumer Financial Protection BureauTo 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
Annual Fee
- Annual Fee  -VISA SIGNATURE
CONNECT REWARDSNone
- Annual Fee  -CONNECT $25.00 , based on your creditworthiness
Transaction Fees
- Balance Transfer Fee None
- Overdraft Transfer Fee $5.00
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $27.00
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Promotional Period forIntroductory APR -VISA SIGNATURE CONNECT REWARDS: The Introductory APR for
purchases andbalance transfers willapply totransactions posted toyour account from 12/20/2021 until 12/31/2022. Any
existing balances onVantage West Credit Union loan orcredit card accounts arenoteligible fortheIntroductory APR for
balance transfers.
Promotional Period forIntroductory APR -CONNECT: The Introductory APR forpurchases, balance transfers and
cash advances willapply totransactions posted toyour account during thefirstsixmonths following theopening ofyour
account. Any existing balances onVantage West Credit Union loan orcredit card accounts arenoteligible forthe
Introductory APR for balance transfers.
EffectiveDate:Theinformationaboutthecostsofthecarddescribedinthisapplicationisaccurateasof: .
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
Other Fees & Disclosures:
Late Payment Fee:$27.00 ortheamount oftherequired minimum payment, whichever isless, ifyouare10ormore days
late in making a payment.
Annual Fee  -CONNECT :$25.00 based on your creditworthiness
Pay-by-Phone Fee :$15.00.
Rush Fee :$33.00.