� CUNA  Mutual  Group  2009,  10, 12, 16 All Rights  Reserved  14605268 -MXC10 -P-1-092017    (MXC101 -E)  
  
 
APPLICATION AND SOLICITATION  DISCLOSURE 
 
 
VISA PLATINUM/VISA CLASSIC 
  
 
Interest  Rates  and Interest  Charges  
Annual  Percentage  Rate  (APR)  for 
Purchases Visa Platinum 
1.90% Introductory APR for a period of six billing cycles.  
After that, your APR will be 8.90% . Visa Classic 
10.50% 
APR  for Balance  Transfers  Visa Platinum  
1.90% Introductory APR for a period of six billing cycles.  
After that, your APR will be 8.90%. Visa Classic
 
10.50% 
APR  for Cash  Advances  Visa Platinum  
10.50% 
 
Visa Classic  
10.50% 
How  to Avoid  Paying  Interest  on 
Purchases Your due date is an average of 30 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 Bureau 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  
Up to  1.00%  of each  transaction  in U.S. dollars  
Penalty  Fees  
- Late Payment Fee 
- Returned Payment Fee  
Up to $20.00 Up to $15.00 
 
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 for purchases and balance transfers will apply to transactions posted to your account during the first
 
six months following the opening of your account. Any existing balances on Fibre Federal Credit Union loan or credit 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: October 03, 2017 This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
  
� CUNA  Mutual  Group  2009,  10, 12, 16 All Rights  Reserved  14605268 -MXC10 -P-1-092017    (MXC101 -E)  
  
For California Borrowers, the Visa Platinum and Visa Classic 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 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: 
$20.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a  
payment.  
Returned Payment Fee: 
$15.00 or the amount of the required minimum payment, whichever is less. 
 
Card Replacement Fee: 
$10.00.  
Document Copy Fee: 
$20.00. 
 
Rush Fee: 
$50.00 second day. $80.00 overnight.  
Unreturned Card Fee: 
$2.00.