�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01203204-MXC10-C-3-062419 (MXC101-E)APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Platinum
 to ,when you open your Account, based on
your creditworthiness.  This APR will vary with the market based on the
Prime Rate.
Visa Rewards
 to ,when you open your Account, based on
your creditworthiness.  This APR will vary with the market based on the
Prime Rate.
Visa Secured
This APR will vary  with the market based on the Prime Rate .
APR for Balance Transfers Visa Platinum
Introductory APR  for12months from Account opening.
After that,  your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Rewards
 to ,when you open your Account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Secured
This APR will vary  with the market based on the Prime Rate .
APR for Cash Advances Visa Platinum
to ,when you open your Account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Rewards
to ,when you open your Account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Secured
This APR will vary  with the market based on the Prime Rate .
SEE NEXT PAGE for more important information about your account.
VISA PLATINUM/VISA REWARDS/VISA SECURED
8.49%23.74%
9.99%25.24%
19.74%
0.00%
8.49%23.74%
9.99%25.24%
19.74%
8.49%23.74%
9.99%25.24%
19.74%Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
 �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01203204-MXC10-C-3-062419 (MXC101-E)Penalty APR and When it Applies Visa Platinum
Visa Rewards
Visa Secured
How to Avoid Paying Interest on
PurchasesYour due date is at least 21 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 None
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
- Annual Fee None
Transaction Fees
- Balance Transfer Fee $10.00  or3.00%  of the amount of each balance transfer, whichever is
greater
- Cash Advance Fee $10.00  or3.00%  of the amount of each cash advance, whichever is greater
-Foreign Transaction Fee 2.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $25.00
- Returned Payment Fee Up to $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR  -Visa Platinum :
The Introductory APR forbalance transfers applies totransactions posted toyour Account during thefirst 60days
following Account opening .Any existing balances onGreat Lakes Credit Union loan orcredit card accounts arenot
eligible for the Introductory APR for balance transfers.
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.
For California Borrowers, theVisa Secured isasecured credit card. Credit extended under this credit card
account issecured byvarious personal property and money including, butnotlimited 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 orinanyother 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 agreethat during any periods when you areacovered
borrower under theMilitary Lending Actyour credit card willbesecured byany specific Pledge ofShares you
grant usbutwillnotbesecured byallshares you have inanyindividual orjoint account with theCredit Union.
Forclarity, youwillnotbedeemed acovered borrower if:(i)youestablish your credit card account when youare
not a covered borrower; or (ii) you cease to be a covered borrower.
Other Fees & Disclosures:
Late Payment Fee :
$25.00 ortheamount oftherequired minimum payment, whichever isless, ifyouareoneormore days lateinmaking a
payment.
SEE NEXT PAGE for more important information about your account.None
None
None
April 20, 2020To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial 
Protection Bureau at
Annual Fee
 �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01203204-MXC10-C-3-062419 (MXC101-E)Balance Transfer Fee (Finance Charge) :
$10.00  or3.00%  of the amount of each balance transfer, whichever is greater.
Cash Advance Fee (Finance Charge) :
$10.00  or3.00%  of the amount of each cash advance, whichever is greater.
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee :
None .
Pay-by-Phone Fee :
$10.00 .
Rush Fee :
$60.00 .