�CUNA Mutual Group 2009,  10, 12 All Rights Reserved 00103091-MXC40-P-1-040616 (MXC403 CCM003)-e  
SEE NEXT PAGE for more important information about your account.  
 
 
 
F1             
APPLICATION AND SOLI CITATION DISCLOSURE   
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases  Visa Platinum  
F2             
 
Visa Classic  
F3             
APR for Balance Transfers  Visa Platinum  
F4             
 
Visa Classic  
F5             
APR for Cash Advances  Visa Platinum  
F6             
 
Visa Classic  
F7             
Penalty APR and When it Applies  Visa Platinum  
F8             
 
Visa Classic  
F9             
This APR may be applied to your account if you:  
 - Make a late paym ent 
How Long Will the Penalty APR Apply?  If your APRs are increased 
for this reason, the Penalty APR will apply until you make six  
consecutive minimum payments when d ue. 
How to Avoid Paying Interest  on Purchases  Your due date is at least 25  days after the cl ose 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.   
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 web site of the Consumer Financial 
Protection Bureau  at http://www. consumerfinance.gov/learnmore . 
Fees 
Transaction  Fees   
- Foreign Transaction Fee  F10        of each multiple currency transaction in U.S. dollars  
 F11        of each single currency transaction in U.S. dollars  
Penalty  Fees   
- Late Payment Fee  Up to F12            
- Over -the-Credit Limit Fee  Up to F13           
- Returned Payment Fee  Up to F14           
 
How We Will Calculate Your Balance:  We use a method called � average daily bal ance (including new purchases).�  
Application of Penalty APR:  Your APR may be increased to the disclosed Penalty APR if you are 90 days late in making 
a payment. 
  
 
 00103091-MXC40-P-1-040616 (MXC403 CCM003)-e  Effective Date:  
The information about the costs of the card described in this application is accurate as of F15                          .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
OTHER DISCLOSURES 
Late Payment Fee  F16        or the amount of the required minimum payment, whichever is 
less, if you are one or more days late in making a payment.  
Over -the-Credit Limit Fee  F17        or the amount of the transaction exceeding your credit limit, 
whichever is less.  
Returned Paymen t Fee  F18        or the amount of the required minimum payment, whichever is 
less. 
Document Copy Fee  F19           
Rush Fee  F20           
Emergency Card Replacement Fee  F21           
Card Recovery Fee  F22           
Pay-by-Phone Fee  F23