� CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04800387-MXC10-C-1-110221 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
VISA PLATINUM
VISA PLATINUM REWARDS/GLOBAL  GOOD /
STUDENT REWARDS
VISA SIGNATURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Platinum
 Introductory APR, for qualifying members,  for a period of 12
billing cycles from account opening.
After that,  or if you do not qualify for the Introductory APR, your APR will be
 to ,based on your creditworthiness.
Visa Platinum Rewards/Global Good/Student Rewards
 Introductory APR, for qualifying members,  for a period of 12
billing cycles from account opening.
After that,  or if you do not qualify for theIntroductory APR,  your APR will be
 to ,based on your creditworthiness.
Visa Signature
 Introductory APR, for qualifying members,  for a period of 12
billing cycles from account opening.
After that,  your APR will be . This APR will vary with the market
based on the Prime Rate.
APR for Balance Transfers Visa Platinum
 Introductory APR, for qualifying members,  for a period of 12 billing
cycles from account opening.
After that,  or if you do not qualify for the Introductory APR, your APR will be
 to ,based on your creditworthiness.
Visa Platinum Rewards/Global Good/Student Rewards
 Introductory APR, for qualifying members,  for a period of 12 billing
cycles from account opening.
After that,  or if you do not qualify for theIntroductory APR,  your APR will be
 to ,based on your creditworthiness.
Visa Signature
 Introductory APR, for qualifying members,  for a period of 12 billing
cycles from account opening.
After that,  your APR will be . This APR will vary with the market
based on the Prime Rate.
SEE NEXT PAGE for more important information about your account. � CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04800387-MXC10-C-1-110221 (MXC102-E)APR for Cash Advances Visa Platinum
to ,based on your creditworthiness.
Visa Platinum Rewards/Global Good/Student Rewards
to ,based on your creditworthiness.
Visa Signature
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.
Minimum Interest Charge None
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 None
Transaction Fees
- Balance Transfer Fee $10.00  or3.00%  of the amount of each balance transfer, whichever is
greater
- Cash Advance Fee $3.00
-Foreign Transaction Fee -Visa
Platinum, Visa Platinum Rewards/Global
Good/Student Rewards1.00%  of each transaction in U.S. dollars
-Foreign Transaction Fee -Visa
SignatureNone
- Transaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $25.00
- Over-the-Credit Limit Fee None
- Returned Payment Fee Up to $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR:
TheIntroductory APR forpurchases andbalance transfers willapply totransactions posted toyour account during thefirst
12months following theopening ofyour account. Any existing balances onSummit Credit Union loan orcredit card
accounts are not eligible for the Introductory APR for balance transfers.
Effective Date:
The information about thecosts ofthecard described inthisapplication isaccurate asof: .This
information may have changed after that date. To find out what may have changed, contact the Credit Union.
ForCalifornia Borrowers, theVisa Platinum, Visa Platinum Rewards, Global Good, Student Rewards, and Visa
Signature aresecured credit cards. Credit extended under this credit card account issecured byvarious
personal property andmoney including, butnotlimited to:(a)anygoods youpurchase with thisaccount, (b)any
shares you specifically pledge ascollateral forthis account onaseparate Pledge ofShares, (c)allshares you
have inany individual orjoint account with theCredit Union excluding shares inanIndividual Retirement
Account orinany other account that would lose special taxtreatment under state orfederal law, and (d)
collateral securing other loans you have with the Credit Union excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee :
$25.00 ortheamount oftherequired minimum payment, whichever isless, ifyouarefiveormore days lateinmaking a
payment.
SEE NEXT PAGE for more important information about your account. � CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04800387-MXC10-C-1-110221 (MXC102-E)Balance Transfer Fee (Finance Charge) :
$10.00  or3.00%  of the amount of each balance transfer, whichever is greater.
Cash Advance Fee (Finance Charge) :
$3.00.
Returned Payment Fee :
$25.00  or the amount of the required minimum payment, whichever is less.
Card Replacement Fee :
$5.00.
Document Copy Fee :
$3.00 .
Rush Fee :
$55.00.
Statement Copy Fee :
$5.00.
Global Good: Summit Credit Union willdonate 15.00% oftheinterchange feeonevery purchase you make tothe
Worldwide Foundation forCredit Unions. Donations from your purchases help provide access tothefinancial building
blocks needed to support families and strengthen economies in communities around the world.