APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum

 to

, based on your creditworthiness.

APR for Balance Transfers

Visa Platinum Rewards/Global Good

 to

Visa Platinum

, based on your creditworthiness.

Introductory APR, for qualifying members, until

.

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

Introductory APR, for qualifying members, until

.

After that, or if you do not qualify for the Introductory APR, your APR will be

 to

, based on your creditworthiness.

APR for Cash Advances

Visa Platinum

to

, based on your creditworthiness.

Visa Platinum Rewards/Global Good

to

, based on your creditworthiness.

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial Protection Bureau

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.

None
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
Annual Fee
- Annual Fee

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None

None
$3.00
1.00% of each transaction in U.S. dollars
None

Up to $25.00
None
Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

SEE NEXT PAGE for more important information about your account.
04800387-MXC10-C-2-073118 (MXC101-E)

VISA PLATINUM/VISA PLATINUM REWARDS/GLOBALGOOD9.90%17.90%11.90%19.90%0.99%September 23, 20199.90%17.90%0.99%September 23, 201911.90%19.90%9.90%17.90%11.90%19.90%Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to your account from
until
for the Introductory APR for balance transfers.

. Any existing balances on Summit Credit Union loan or credit card accounts are not eligible

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 Visa Platinum and Visa Platinum Rewards/Global Good are secured credit cards.
Credit extended under this credit card account is secured by various personal property and money including, but
not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral
for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the
Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose
special tax treatment under state or 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 covered borrower under the Military Lending Act your credit card will be secured by any specific
Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account
with the Credit 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, if you are five or more days late in making a
payment.

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 will donate 20.00% of the interchange fee on every purchase you make to the
Worldwide Foundation for Credit Unions. Donations from your purchases help provide access to the financial building
blocks needed to support families and strengthen economies in communities around the world.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04800387-MXC10-C-2-073118 (MXC101-E)

August 6, 2018September 15, 2018August 02, 2018