�CUNA Mutual Group 2009, 10, 12 All Rights Reserved DNCHE4 (MXC402 CCM002)-e  
SEE BACK OF PAGE for more importan t information about your account.  
F1  
APPLICATION AND SOLICITATION DISCLOSURE 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases Visa Platinum 
F2           to F3           when you open your account, based 
on your creditworthiness. 
 
Visa Secured 
F4             
 
Visa Platinum Rewards 
F5           to F6           when you open your account, based 
on your creditworthiness. 
APR for Balance Transfers Visa Platinum 
F7           to F8           when you open your account, based on your 
creditworthiness. 
 
Visa Secured 
F9             
 
Visa Platinum Rewards 
F10         to F11         when you open your account, based on your 
creditworthiness. 
APR for Cash Advances Visa Platinum 
F12         to F13         when you open your account, based on your 
creditworthiness. 
 
Visa Secured 
F14           
 
Visa Platinum Rewards 
F15         to F16         when you open your account, 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 
balance 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 for or 
using a credit card, visit the website of the Consumer Fi nancial 
Protection Bureau at http://www.consumerfinance.gov/learnm ore. 
Fees 
Annual Fee  
- Annual Fee F17           
Transaction Fees  
- Balance Transfer Fee F18           
- Cash Advance Fee F19           
- Foreign Transaction Fee F20           
  DNCHE4 (MXC402 CCM00)-e    
Penalty Fees  
- Late Payment Fee Up to F21            
- Over-the-Credit Limit Fee F22           
- Returned Payment Fee Up to F23           
 
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 desc ribed in this application is accurate as of F24            
This information may have changed after that date. To find out what may have changed, contact the Credit Union.  
OTHER DISCLOSURES 
Late Payment Fee F25         or the amount of the required minimum payment, whichever 
is less, if you are five (5) or more days late in making a payment . 
Returned Payment Fee F26         or the amount of the required minimum payment, whichever 
is less. 
Lost or Stolen Card Replacement Fee F27           
Visa Receipt Copy Fee F28