APPLICATION AND SOLICITATION DISCLOSURE

F1  

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Balance Transfers 
APR for Cash Advances 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

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For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
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 
Transaction Fees 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F5             of each multiple currency transaction in U.S. dollars 
F6             of each single currency transaction in U.S. dollars 

Up to F7              
Up to F8             

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 described in this application is accurate as of F9              
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 
Pay-by-Phone Fee 

F10           or the amount of the required minimum payment, whichever 
is less, if you are five (5) or more days late in making a payment. 
F11           or the amount of the required minimum payment, whichever 
is less. 
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©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DNYNX2 (MXC402 CCM002)