�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00902328-MXC10-C-1-051920 (MXC101-E)
APPLICATION & SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Low Rate
 Introductory APR  for a period of six billing cycles.
After that ,your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Platinum
 Introductory APR  for a period of six billing cycles.
After that ,your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Signature
 Introductory APR  for a period of six billing cycles.
After that ,your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Secured/Student
 Introductory APR  for a period of six billing cycles.
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 00902328-MXC10-C-1-051920 (MXC101-E)APR for Balance Transfers Visa Low Rate
 Introductory APR  for a period of six billing cycles .
After that,  your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Platinum
 Introductory APR  for a period of six billing cycles .
After that,  your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Signature
 Introductory APR  for a period of six billing cycles .
After that,  your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Secured/Student
 Introductory APR  for a period of six billing cycles .
After that,  your APR will be . This APR will vary with the market
based on the Prime Rate.
APR for Cash Advances Visa Low Rate
 Introductory APR  for a period of six billing cycles.
After that ,your APR will be to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Platinum
Introductory APR  for a period of six billing cycles.
After that ,your APR will be to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Signature
 Introductory APR  for a period of six billing cycles.
After that ,your APR will be to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Secured/Student
 Introductory APR  for a period of six billing cycles.
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 00902328-MXC10-C-1-051920 (MXC101-E)Penalty APR and When it Applies Visa Low Rate
Visa Platinum
Visa Signature
Visa Secured/Student
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 If you are charged interest, t he charge will be no less than $0.50 .
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 None
Transaction Fees
- Balance Transfer Fee None
-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
- Tra nsaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $27.00
- Returned 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 for Introductory APR :
The Introductory APR forpurchases, balance transfers and cash advances willapply totransactions posted toyour
account during the first six months  following the opening of your account.
Minimum Interest Charge :
The minimum interest charge will be charged on any dollar amount .
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.
For California Borrowers, theVisa Low Rate, Visa Platinum, Visa Signature and Visa Secured/Student are
secured credit cards. Credit extended under thiscredit card account issecured byvarious personal property and
money including, but not limited to:(a)any goods you purchase with this account, (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 theCredit Union excluding dwellings. Notwithstanding theforegoing, you acknowledge and
agree that during anyperiods whenyou areacovered borrower under theMilitary Lending Actyour credit card
willbesecured byanyspecific Pledge ofShares you grant usbutwillnotbesecured byallshares you have in
anyindividual orjoint account with theCredit Union. Forclarity, youwillnotbedeemed acovered borrower if:(i)
you establish your credit card account when you arenotacovered borrower; or(ii)you cease tobeacovered
borrower.
Other Fees & Disclosures:
Late Payment Fee $27.00 ortheamount oftherequired minimum payment, whichever isless, ifyoufailto
make your required minimum payment bythefinal calendar dayofthemonth inwhich
your payment is due.
Returned Payment Fee $27.00  or the amount of the required minimum payment, whichever is less.