advia 

550 S. Riverview 
Dr 
49004 
Parchment,  Ml 

credit union 

CONSUMER 

CREDIT CARD 

AGREEMENT 

AND 

VISA 

DISCLOSURE 

VISA 

Union" refers 

This Consumer Credit Card Agreement 
Account opening documents 
collectively 
referred 
"Credit 
applicant 
use, access or service 
renewals, 
credit 

or substitutions, 
by this Agreement 

the Account. 
including 

and co-applicant 

established 

to Advia Credit 

and Disclosure 

together 

with the Account Opening Disclosure 

and any other 

to as "Agreement") 

or any subsequent 

provided 
documents 
govern the terms and conditions 

of this Account. 

to You related 

"We," "Us," "Our'' 

to this Account {hereinafter 
and "Ours" and 
to each 

and "Yours" 

refers 

for the Account; 

Union with which this Agreement 
any person responsible 

is made. "You," "Your," 

for paying the Account; 

and anyone You authorize 

to 

"Card" means the Visa® credit 
checks, 
Your Card. 

convenience 
and includes 

card and any other access  devices, 

duplicates, 

the Credit Union issues to You. "Account" 

means the line of 

You grant the Credit 

Union a security interest 

under the Uniform 

Commercial 

Code and under any common law rights 

the Credit 

Union may have in any goods You purchase. 

SECURITY INTEREST 

If You give the Credit 
will secure Your Account. 

Union a specific 

pledge of shares by signing 

a separate 

pledge of shares, 

Your pledged 

shares 

You may not withdraw 

pledged 
amounts that have been specifically 

to secure Your Account 

until the Credit 

Union agrees to release 

all or part of the pledged 

amount. 

interest 

in all individual 

You grant Us a security 
and in the future to secure Your credit 
would lose special 
interest 
default. 
For example, 

under state or federal 
You have given in Your shares and deposits. 
When You are in default, 

if You have an unpaid credit 

You authorize 

tax treatment 

card Account. 

card balance, 
You acknowledge 

and joint share and/or deposit 

accounts 

You have with Us now 

Shares and deposits 

in an IRA or any other account that 

law if given as security 

are not subject 

to the security 

You may withdraw 

these other shares unless You are in 

Us to apply the balance in these accounts 

to any amounts due. 
to pay 
You agree We may use funds in Your account(s) 

any or all of the unpaid balance. 

and agree that Your pledge does not apply during any 

periods 
covered borrower, 

when You are a covered borrower 

under the Military 

and Your pledge will apply, if: (i) You established 

Lending Act. For clarity, 
Your credit 

You will not be deemed a 
card Account when You were 

not a covered borrower; 

or (ii) You cease to be a covered borrower. 

Unless otherwise 
prohibited 
may also secure this loan, except that a dwelling 

by federal 

and/or state law, collateral 

securing 
will never be considered 

other loans You have with the Credit 
for this Account, 
as security 
in any other Agreement. 

anything 

to the contrary 

Union 

notwithstanding 

the Card, You agree to the terms of this Agreement.

Your Account must only be used for lawful

limit as part of this Agreement, 

which You promise 

the amount which exceeds the credit 

limit, 
on Your Account 

not to exceed. 
If You
including 
amounts
only by a method

limit increase 

limit, 

refuse to make an advance and/or

a credit 

or keeping 

Your Account 

with this Agreement. 

to the Credit Union. We may increase 

You promise 
fees or other charges. 

to repay immediately 
You may request 

1.USING YOUR ACCOUNT - By using the Account 
You agree to use Your Account in accordance 
transactions.
2.CREDIT LIMIT - We may establish 
limit, 
exceed the credit 
charges, 
due to finance 
acceptable 
terminate 
3.CONVENIENCE 
Your Account. 
check, it will be posted to Your Account 
drawn on Your Account 
stop the payment of a convenience 
Agreement 
request 
the check for payment to give Us a reasonable  opportunity 
IOANUMIR.
©CUNA Mutual 

imposed to stop a payment on a convenience 

by law.
at any time for any reason permitted 

for any reason and such refusal 

check drawn on Your Account. 

shall not constitute 

as a cash advance. 

Convenience 

if permitted, 

or in writing. 

Your request 

or decrease 

We reserve 

Your credit 

Group 1991, 2006, 09, 10, 12, 14, 16 All Rights 

orally, 

a credit 

Reserved 

the right to refuse to pay a convenience 

check

wrongful 

dishonor. 

You may request 

that We

check issued on Your Account. 

You agree to pay any fee as identified 
You may make a stop payment
time in advance of the presentment 

in this

must be made with sufficient 

to act on Your request. 

In addition, 

of
must
Your request 

02113364·MXC30·P-1-080417 

(MXC302-E) 

CHECKS - We may, from time to time, issue convenience 

checks to You that may be drawn on

checks may not be used to make a payment on Your Account. 

If You use a convenience

You must pay at least the Minimum Payment Due by the Payment Due Date. 

whichever 
limit. 
then Your Minimum Payment Due is the amount of the total New Balance. 

or $10.00, 
credit 

is greater, 
If Your total New Balance 

plus any amount past 
is less than 

pay more than the Minimum Payment Due or pay the total New Balance 

in full. 

including 

attorney's 

fees, damages, 

to stop payment of an item as a result 

or claims, 
of incorrect 
Note: A convenience 

time to act upon a stop payment request. 

Commercial 
under this Agreement 

with Us. 

Code. It is an advance from Your credit 

card 

to repay all amounts You owe under this Agreement. 

to repay includes
to use Your Account as well as all interest

Your promise 

You may make a stop payment request 

orally 

but such a request 

will 

the payee, any check number that may be applicable, 

that time. Written 

stop payment orders are effective 

by requesting 

in writing 

that the stop payment 

You when a stop payment order expires. 

Your Account after paying a check over a valid and timely stop payment order, You agree to sign a 
of 

with the payee, to assign to Us all of Your rights 

the payee or other holders 

the dispute 

against 

made to Your Account by You or anyone You authorize 

from all costs and expenses, 
or in failing 

(other 

period, 

number, 

to notify 

required 

describe 

in writing 

You are still 

payments, 

than a credit 

describing 

as permitted 

the exact Account 

Your applicable 

the check including 

with Us and Your stop payment rights 

balance). 
Union confirms 

to Our honoring 
provided 

under the Uniform 
are provided 

within 
six month periods 

Us in any legal action. 
and hold Us harmless 

Your stop payment request 
to Us or the giving of inadequate 

Minimum Payment Due may be applied 
by applicable 

accurately 
and the exact amount of the check. If permitted, 
expire after 14 days unless You confirm 
Your request 
only for six months and may be renewed for additional 
order be renewed. 
We are not required 
If We re-credit 
statement 
the check and to assist 
You agree to indemnify 
related 
information 
check is not a check as that term is defined 
Account 
4.REPAYMENT - You promise 
all transactions 
and fees.
charges 
For each billing 
The Minimum Payment Due is 3.00% of Your total New Balance, 
due and any amount by which You have exceeded 
$10.00, 
You may pay more frequently, 
If You make extra or larger 
Account has a balance 
date the payment is posted or the Credit 
Your payment of the required 
the Credit Union chooses, 
Payment Due, the Credit Union will allocate 
and any remaining 
rate ("APR") 
otherwise 
without 
losing 
5.INTEREST AND FINANCE CHARGES - We will begin charging 
transaction 
the date of the transaction 
is later (transaction 
credit  balance 
statement 
purchases, 
How We Calculate 
Interest 
Type"). 
("Transaction 
"average 
corresponding 
balance 
for that Transaction 
other finance  charges 
Then, for each Transaction 
number of days in the billing  cycle. 
6.FEES - In addition 
Account, 
Agreement.
7.FOREIGN TRANSACTIONS 
Account 
in U.S. dollars. 
international 
applicable 
processing 
rate in effect for the applicable 
the rate that would have been used on the purchase 
A fee (finance 
on the transaction 
Transaction 
Foreign 

of that billing  cycle, 
by the Payment Due Date of that statement. 
on the billing 
You must pay the entire 
Your Balance: 

day of the billing 
We will not charge You any interest 

amount after it is converted 
Fee is set forth on the Disclosure 

charges on Your Account are calculated 

the fee amounts and explanations 

Type, We add up all the daily balances 

rate between the transaction 

or the first 
However, 

is posted to Your Account. 

on all transactions 

We will begin charging 

the excess amount first 

to the other balances 

and any applicable 

date or cardholder 

To get the "average 

date. The exchange 

and cash advances 

rate, additional 

at the beginning 

accompanying 

transactions 

is a rate selected 

to U.S. dollars. 

by applicable 

daily balance." 

to the periodic 

are disclosed 

any of Our rights 

of Your Account 

- Purchases 

the full balance 

will be charged 

The exchange 

processing 

prescribed 

separately 

the interest 

new balance 

or credits. 

completed 

statement 

to collect 

We figure 

payments 

charge) 

portion 

central 

central 

date). 

daily balance" 

with Us. 

Type each day, add any new transactions 

to make at least the Minimum Payment Due each month Your 
limit until the 

The Credit Union may delay replenishing 

Your credit 

the payment has cleared. 

law. If You make a payment in excess of the required 

to what You owe the Credit Union in any manner 
Minimum 

to the balance 

with the highest 

in descending 

order based on applicable 

annual percentage 
APR, unless 

law. We may accept checks marked "payment 

in full" 

or with words of similar 

effect 

You interest 

on purchases 

on the date the

You interest 
cycle in which the transaction 

on cash advances 

is posted to Your Account, 

on
transfers 
whichever

and balance 

or You paid the entire 

on new purchases 
new balance 
To avoid an additional 

if Your Account 
on the previous  cycle's 

had a zero or

billing

charge on the balance of
by the Payment Due Date of that statement.

finance 

for purchases, 

balance transfers 

and cash advances 

charge for each Transaction 

the periodic 

rate to each 

Type by applying 
for a Transaction 
of that type, and subtract 

This gives Us the daily  balance 

for each Transaction 

any unpaid interest 

or 
Type. 

for the billing 

cycle and divide each total by the 

Type We take the beginning 

This gives Us the "average  daily balance" 

Type. 
for each Transaction 
fees may be imposed on Your Account. 

on the Account Opening Disclosure 

If applicable 
this

accompanying 

to Your

by Visa from a range of rates available 

date, which rate may vary from the rate Visa itself 

currency 

for the
markets 
or the  government-mandated

made in foreign 
currency 

currencies 

will be debited 

from Your

and the billing 

currency 

used for processing

in wholesale 
receives 
rate used on the processing 
statement 

posting 
date.
currency. 

date may differ from

in a foreign 

based 
All fees are calculated 
The 
These fees are charged except where excluded. 

this Agreement. 

Page 2 of6 

02113364-MXC30-P-1-080417 

(MXC302-E) 

You agree that We will not be liable 

authorization 

of a transaction, 
either 
for failing 

by Us or by a third party, 
to give an authorization. 

even if
We also

that may be approved 

to the transaction 

for default, 

in one day. We reserve 
suspected 
or the Account. 
If We detect unusual 
or We may close the Account.

the right to deny certain
or unlawful 
You agree that We have no
We
or suspicious 
activity, 

fraudulent 

activity,

reason We denied a transaction. 

with third party vendors. 

if the Card is lost or stolen, 

charges 
If preauthorized 

or We change the Account for any
You are
are suspended, 
the automatic

the third party to reinstate 

payment for such charges until You contact 

if You fail to pay the Minimum Payment Due by its Payment

that is not honored or that We must return because it cannot be

make any false or misleading 

statements 

in any credit

or die. You will also be in default 

if You fail to comply with the terms of this

You to pay any unpaid balance 
You gave Us a security 
Us, if You defaulted, 

immediately, 

subject 

interest 

in all individual 

to applicable 
or joint share 
in these accounts 
apply any 

to apply the balance 

and authorization 

to, upon Your default, 

use that occurs before Your notice to Us. You will have no liability 

CARD NOTIFICATION 
use of Your Card, You should write to Us immediately 

- If You notice the loss or theft of

Dr.,
at 550 S. Riverview 

seven days a week 24 hours a day.
use that occurs after You notify 

Us. You may, however, 
for unauthorized 

be liable 
use unless You are 

for 

or Card. In any case, Your liability 

for unauthorized 

until We can verify the activity, 

including 

credit 

risk related 

available. 

of increased 

for making direct 

- We do not guarantee 

We may suspend automatic 

the right to limit the number of transactions 

for any reason and at Our sole discretion, 

pay by automatic 
or credit 
update; 
or any other Agreement 

under this Agreement 
instrument 
debit that is returned 

privileges 
CHARGES - If You default, 
charges 

8.AUTHORIZATIONS 
You have sufficient 
reserve 
transactions 
or any indication 
internet 
gambling 
to notify You of the specific 
requirement 
may suspend 
Your credit 
9.PREAUTHORIZED 
reason, 
responsible 
charges.
10.DEFAULT - You will be in default 
Due Date; pay by a check or similar 
processed; 
application 
Agreement 
If You default, 
law. In this Agreement 
and/or deposit 
to any amounts due. You agree We may rely on Your agreement 
balance 
11.LIABILITY 
Your credit 
Parchment, 
You will not be liable 
unauthorized 
found to be fraudulent 
transactions 
12.CHANGING OR TERMINATING 
of this Agreement 
and any attached 
applicable 
well as to future 

card or a possible unauthorized 
Ml, 49004 or call Us at (844) 238-4228, 

to any amounts due on Your Account. 
FOR UNAUTHORIZED 

law. To the extent permitted 
transactions.

We may close Your Account 
and on Your Credit 

and require 
Card Application, 

with the Credit Union and authorized 

for any unauthorized 

USE-LOST/STOLEN 

file for bankruptcy; 

in the handling 

will not exceed $50. 

of Your Account 

or negligent 

You have with Us.

accounts 

unpaid; 

New Mexico, 

the property 

this Agreement 

California, 

You or the Credit 

to pay the account 

of this Agreement 

to all applicable 

Your obligation 

to all applicable 

Your obligation 

Idaho, Louisiana, 

or upon termination 

of all other states -Either 

Arizona, 
You, Your spouse or the Credit Union may terminate 
the Credit Union will not affect Your obligation 
spouse owe under this Agreement. 
are subject 
owe under this agreement 
or Cards You receive  remain 
Cards upon request 
Residents 
by You or the Credit Union will not affect Your obligation 
You owe under this Agreement. 
under this agreement 
are subject 
Cards You receive  remain 
Cards upon request 
13.AUTHORIZED USERS - Upon Your request, 
designate. 
You must notify Us in writing 
notice 
the authorized 
authorized 
closed, 
issue You a new Account 
number and a new Card.
14.CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION 
reports 
Account 
Union to disclose 
standing. 
defaults 

the name of the authorized 
user along with the authorized 

regarding 
information 
We may report information 

and any other information 
increase, 
and for any update, 

of the Credit  Union 
whether 
of this Agreement 

about Your Account 
on Your credit 

We will close Your Account 

user. If You cannot return 

or upon termination 

of any termination 

Your Account to credit 

may be reflected 

on Your Account 

the property 

must include 

to credit 

report.

YOUR ACCOUNT-As permitted 
Disclosure 

from time to time. Notice of any change will be given in accordance 

by law, the Credit Union may change the terms
with
as

may apply to Your existing 

account 

balance 

by law, changes to the Agreement 

Nevada, Texas, Washington, 

and Wisconsin 
at any time, but termination 

Residents 

-Either 

by You, Your spouse or 
You or Your 

and other charges 

to pay the account  balance plus 
to pay the account  balance 
regarding 

laws and regulations 

any finance 

of the Credit Union and You must recover 
whether 

by You or the Credit 

Union may terminate 
to pay the account 
balance 

Union. 
this Agreement 
balance 
plus any finance 

plus any finance 
repayment 
and surrender 

and other  charges You 
The Card 
requirements. 
to the Credit Union all 

at any time, but termination 

plus any finance 

and other charges 

laws and regulations 

regarding 

and You must recover 

to the Credit Union all 

You owe 
and other charges 
The Card or 
requirements. 

repayment 
and surrender 

by You or the Credit 
We may issue additional 
of an authorized 

Union. 

Cards for authorized 

users that You

user and Your Account 
user's Card and any convenience 

number and/or any subaccount 

user's right to access Your Account. 
number issued to
or other access checks issued 

Your

the authorized 

user's 
and You may apply for a new Account. 

Card or access checks and if You request 

Alternatively, 

to the
to be
Your Account 
We may, at Our sole discretion,

-You authorize 

the Credit Union to obtain credit

We may need to verify Your identity 
extension, 

collection 

renewal, 

or review of Your Account. 

Your
and use of the Account when opening 
the Credit
about Your credit

You authorize 

who inquire 

bureaus and creditors 

bureaus. 

Late payments, 

missed payments, 

or other

Page 3 of6 

02113364-MXC30-P-1-080417 

(MXC302-E) 

- You agree that You will not use Your Card for any transaction, 

including

or local law.
incurred 
in 
for all amounts and  charges 
that is 
any transaction 

or authorizing 

responsible 

and jointly 
any one of You individually 
to make transactions 

for paying all
to repay

on the Account

even
on Your Account 

of the terms and conditions 

of

oral Agreement. 

Should any
shall remain in effect and

them.

by law.

state, 

credit 

extent 

as to all of You.

federal, 

gambling 

by federal 

applicant 

may contain 

card Account 

- A married 

by evidence 

use the credit 

to the fullest 

or to the extent 

of any alleged 

of Your Account 

is the contract 

the Internet, 

the Account 

will be effective 

This paragraph 

as permitting 

shall be governed 

of this Agreement 

- This Agreement 

under applicable 

under this Agreement 

is the final expression 

AND FINAL EXPRESSION 

with the transaction. 

shall not be interpreted 

plus the costs and expenses 

Any one of You may terminate 

or other slips You sign or receive 

all other parts of this Agreement 

This written Agreement 

to a lawyer who is not Our salaried 

each of You will be individually 

amount owed under this Agreement. 

LAW - The terms and enforcement 

As required 
to a credit 

through 
transaction, 

for any reasonable 
on this Agreement, 

to all transactions 
terms.
different 

and the termination 
which applies 

that is illegal 
You will be responsible 

This means that the Credit Union can require 
the other(s) 
Each of You authorizes 

- We may assign any or all of Our rights 
RESIDENTS 

and obligations 
may apply for a separate 
2) may be liable 

may not be contradicted 
or unenforceable, 
under this Agreement.

up to its credit 
by law, You are hereby notified 
reporting 

be found to be invalid 
possible 
PROHIBITED 
transaction 

losing 
COSTS - If We refer collection 
fees We incur, 
attorney's 
allowed 

15.JOINT ACCOUNTS - If this is a joint Account, 
amounts owed under this Agreement. 
the entire 
individually. 
16.EFFECT OF AGREEMENT - This Agreement 
though the sales, 
cash advances, 
17.SEVERABILITY 
Your Account. 
part of this Agreement 
fully enforceable 
18.ILLEGAL TRANSACTIONS 
any type of electronic 
Even if You use Your Card for an illegal 
connection 
illegal. 
19.APPLICABLE 
Michigan.
20.ENFORCING THIS AGREEMENT - We can delay in enforcing or fail to enforce any of Our rights 
Agreement 
without 
21.COLLECTION 
are liable 
disclosed 
22.ASSIGNMENT 
23.CALIFORNIA 
approval, 
joint applicant. 
may be submitted 
24.FLORIDA RESIDENTS - You (borrower) 
Your disposable 
and Federal 
law.
25.MARYLAND RESIDENTS 
Card Account 
26.MISSOURI RESIDENTS - Oral Agreements 
enforcing 
You (borrower(s)) 
covering 
Agreement 
27.NEW YORK RESIDENTS 
modification, 
renewal 
report 
residents 
comparative 
28.OHIO RESIDENTS 
all creditworthy 
request. 
29.SOUTH  DAKOTA  RESIDENTS 
lender's 
SD 57501, or by phone at 605.773.3421.
30.WISCONSIN RESIDENTS 
address 
required 
31.NOTICE TO UTAH BORROWERS - This written 
and the Credit 
law, You are hereby notified 
reporting 

Agreement 
may not be contradicted 
credit 
the terms of Your credit 

please contact 
or phone number listed 
and provide 
to inform Your spouse that We have opened an Account 

compliance 
there have been any improprieties 

which is the complete 
to modify it.
in connection 

of the consumer 
the New York State Banking Department 

from misunderstanding 
in this writing, 

or collections 
and, if so, the name and address 

was requested 
may contact 
listing 

Us with the name and address 
for You.

- We may obtain a credit 
associated 

of the Agreement 
of any oral Agreement. 

of a debt including 
and Us (creditor) 

- If You are married, 
on this Agreement 

for amounts extended 
credit 

between Us, except as We may later agree in writing 

Agreement 
that a negative 

reflecting 
obligations.

agree that, should We obtain a judgment 

by evidence 
on Your credit 

(paid to Us by Your employer), 

The Ohio Civil Rights Commission 

such matters are contained 

the South Dakota Division 

agency if You fail to fulfill 

agency if You fail to fulfill 

- The Ohio laws against 

is a final expression 

discrimination 

the terms of Your credit 

fees and grace periods.

at 800.342.3736 

agency furnishing 

You will be informed 

at 1601 N. Harrison 

Upon Your request, 

report reflecting 

if any, that Maryland 

to Title 12, Subtitle 

Us immediately 

or commitments 

that all creditors 

Union. This written 

loan practices, 

with this Account. 

may be attached 

9 of the Maryland 

- If You believe 

to Your Account, 

- To the extent, 

You may contact 

and exclusive 

Applicants: 

obligations.

that a negative 

or garnished 

and that credit 

Commercial 

upon receipt 

Law Article.

reporting 

repayment 

customers 

law applies 

make credit 

of Banking 

card rates, 

earnings 

promises 

pursuant 

Account. 

of credit 

equally 

require 

against 

with this law.

report 

report 

limit; 

law and the law of

under this

of any legal action, 

employee, 

You
as further

to a third party.

1) may, after credit

under the plan to any
on Your credit 

record

You, a portion 
by Florida

as provided 

of

We elect to offer Your

in making this loan or in the

Ave, Suite 1, Pierre,

of this Agreement 
of Your spouse. 

at the
We are

As required 
by
to a credit
record may be submitted 

between You

from
to loan money, extend credit or to forbear 
To protect
to extend or renew such debt are not enforceable. 
We reach
of the
statement 

or disappointment, 

any Agreements 

for any review,
with this Account, including 

whether 
such
New York
to obtain a
or www.dfs.ny.gov 

the report. 

reporting  agencies  maintain  separate  credit  histories 
administers 

on each individual  upon

to
available 

Page 4 of6 

02113364-MXC30-P-1-080417 

(MXC302-E) 

32.THE FOLLOWING IS REQUIRED BY VERMONT LAW - NOTICE TO CO-SIGNER - YOUR SIGNATURE ON
THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER
DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.

Page 5 of6 

02113364-MXC30-P-1-080417 

(MXC302-E) 

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APPLICATION AND
SOLICITATION
DISCLOSURE

Visa Platinum Credit Card

Platinum Variable
8.25%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

16.25%

 to

Platinum Variable with Advantage Points
10.25% 18.00%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Platinum Non-Variable
8.90%

 to

16.90%

, based on your creditworthiness.

APR for Balance Transfers

Platinum Variable
9.99%
0.00%
to
18 billing cycles, based on your creditworthiness.

 Introductory APR, for qualifying members, for a period of

After that, or if you do not qualify for an Introductory APR, your APR will be
8.25%
the market based on the Prime Rate.

, based on your creditworthiness. This APR will vary with

16.25%

 to

Platinum Variable with Advantage Points
0.00%
18 billing cycles, based on your creditworthiness.

9.99%

to

 Introductory APR, for qualifying members, for a period of

After that, or if you do not qualify for an Introductory APR, your APR will be
10.25% 18.00%
 to
the market based on the Prime Rate.

, based on your creditworthiness. This APR will vary with

Platinum Non-Variable
0.00%
18 billing cycles, based on your creditworthiness.

9.99%

to

 Introductory APR, for qualifying members, for a period of

After that, or if you do not qualify for an Introductory APR, your APR will be
8.90%
, based on your creditworthiness.

16.90%

 to

©CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

SEE NEXT PAGE for more important information about your account.
02113364-MXC10-P-1-121619 (MXC101-E)

APR for Cash Advances

Platinum Variable
16.25%
8.25%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Platinum Variable with Advantage Points
10.25% 18.00%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Platinum Non-Variable
8.90%

16.90%

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
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None

$10.00 or 3.00% of the amount of each balance transfer, whichever is
greater
None
1.00% of each transaction in U.S. dollars

Up to $35.00
None
Up to $32.00

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 for balance transfers will apply to transactions posted to your account from 02/01/2020 until
. 09/30/21
09/30/2020. Any existing balances on Advia Credit Union loan or credit card accounts are not eligible for the Introductory
APR for balance transfers.

Loss of Introductory APR:
We may end your Introductory APR for balance transfers and apply the Penalty APR if you are 60 days late in making a
payment.

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.

April 1, 2020

For California Borrowers, the Platinum Variable, Platinum Variable with Advantage Points and Platinum Non-
Variable 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

©CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

SEE NEXT PAGE for more important information about your account.
02113364-MXC10-P-1-121619 (MXC101-E)

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 one or more days late in making a
payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you
will be charged $35.00 or the amount of the required minimum payment, whichever is less.

Balance Transfer Fee (Finance Charge):
$10.00 or 3.00% of the amount of each balance transfer, whichever is greater.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same
or in any of the six billing cycles following the initial violation, you will be charged $32.00 or the amount of the required
minimum payment, whichever is less.

©CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02113364-MXC10-P-1-121619 (MXC101-E)