�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 16300736-MXC10-C-1-050621 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Platinum
This APR will vary  with the market based on the Prime Rate .
Visa Signature
 to ,when you open your account, based on your
creditworthiness.  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 . This APR will vary with the market
based on the Prime Rate.
Visa Signature
 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.
APR for Cash Advances Visa Platinum
This APR will vary  with the market based on the Prime Rate .
Visa Signature
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
How to Avoid Paying Interest on
PurchasesYour 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.
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 None
- Cash Advance Fee None
-Foreign Transaction Fee None
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 16300736-MXC10-C-1-050621 (MXC102-E)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 :
The Introductory APR forbalance transfers willapply totransactions posted toyour account during thefirst90days
following theopening ofyour account. Any existing balances onHFS Federal Credit Union loan orcredit card accounts
are not 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.
ForCalifornia Borrowers, theVisa Platinum and Visa Signature aresecured credit cards. 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)anyshares you specifically pledge ascollateral forthis account ona
separate Pledge ofShares, (c)allshares you have inany individual orjoint account with theCredit Union
excluding shares inanIndividual Retirement Account orinany other account that would lose special tax
treatment under state orfederal law, and (d)collateral securing other loans you have with theCredit Union
excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee :
10.00% ofyour current required minimum payment, ifyouare10ormore days lateinmaking apayment. However, the
fee will not exceed $25.00 .
Returned Payment Fee :
$25.00 or the amount ofyour current  required minimum payment, whichever is less.
Emergency Card Replacement Fee :
$100.00 for request s originating and delivered inside the U.S.
$165.00 for requests originating or delivered outside the U.S.
Rush Fee :
$80.00 .
Statement Copy Fee :
$5.00 per copy .
Account Research Fee :
$25.00 per hour (minimum 1 hour) .