� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03204256-MXC10-C-1-082418 (MXC101-E)
APPLICATION ANDSOLICITATIONDISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) forPurchasesVisa Platinum Introductory APR .After that, your APR will be
 to , based on your creditworthiness. This APR will vary with the market based on the PrimeRate.Visa Signature Rewards Introductory APR .After that, your APR will be
 to , based on your creditworthiness. This APR will vary with the market based on the PrimeRate.Visa Platinum SecuredThis APR will vary with the market based on the Prime Rate.
APR for Balance TransfersVisa PlatinumIntroductory APR .After that, your APR will be to, based on your creditworthiness. This APR will vary with the market based on the PrimeRate.Visa Signature RewardsIntroductory APR .After that, your APR will be to, based on your creditworthiness. This APR will vary with the market based on the PrimeRate.Visa Platinum SecuredThis APR will vary with the market based on the Prime Rate.
SEE NEXT PAGE for more important information about your account.VISA PLATINUM/VISA SIGNATURE REWARDS/VISAPLATINUM SECURED
0.00% for aperiod of 12 months
8.1513.15%0.00%
for aperiod of 12 months
11.15%13.15%15.15%
0.00%for aperiod of 12 months8.15%13.15%0.00%for aperiod of 12 months11.15%13.15%15.15% � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03204256-MXC10-C-1-082418 (MXC101-E)APR for Cash AdvancesVisa Platinumto, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Signature Rewardsto, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Platinum SecuredThis APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest onPurchasesYour due date is at least 25 days after the close of each billing cycle. We willnot charge you any interest on purchases if you pay your entire balance bythe due date each month.
For Credit Card Tips from theConsumer Financial Protection BureauTo learn more about factors to consider when applying for or using acredit card, visit the website of the Consumer Financial ProtectionBureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
- Annual FeeNone
Transaction Fees
- Balance Transfer Fee - Visa Platinum,Visa Signature Rewards $5.00 or1.50% of the amount of each balance transfer, whichever is greater
- Cash Advance Fee $10.00 or2.00% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee1.00% 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, Visa Signature Rewards:The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first. Any existing balances on Allegacy Federal Credit Union loan or credit cardaccounts 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.For California Borrowers, the Visa Platinum, Visa Signature Rewards and Visa Platinum Secured are securedcredit cards. Credit extended under this credit card account is secured by various personal property and moneyincluding, but not limited to: (a) any goods you purchase with this account, (b) any shares you specificallypledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual orjoint account with the Credit Union excluding shares in an Individual Retirement Account or in any other accountthat would lose special tax treatment under state or federal law, and (d) collateral securing other loans you havewith the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree thatduring any periods when you are a covered borrower under the Military Lending Act your credit card will besecured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in anyindividual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) youestablish your credit card account when you are not a covered borrower; or (ii) you cease to be a coveredborrower.SEE NEXT PAGE for more important information about your account.8.15%13.15%11.15%13.15%15.15%
90days following account openingMarch 19, 2020 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03204256-MXC10-C-1-082418 (MXC101-E)Other Fees & Disclosures:Late Payment Fee
:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making apayment.Balance Transfer Fee (Finance Charge)
 -Visa Platinum, Visa Signature Rewards :
$5.00 or 1.50% of the amount of each balance transfer, whichever is greater. This fee is in effect for transactions postedduring the promotional period. There will be no balance transfer fee on transactions posted after the promotional period.Cash Advance Fee (Finance Charge)
:
$10.00 or 2.00% 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.Pay-by-Phone Fee
:
$12.00.Rush Fee
:
$35.00.Statement Copy Fee
:
$2.00.