APPLICATION AND
SOLICITATION
DISCLOSURE

Visa Platinum

 to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum CU Rewards
 to

creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

APR for Balance Transfers

Visa Platinum

APR for Cash Advances

Visa Platinum

 to

 to

to

to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Visa Platinum CU Rewards

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Visa Platinum CU Rewards

, 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
Purchases

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial Protection Bureau

Your 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.
If you are charged interest, the charge will be no less than $0.50.
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
- Cash Advance Fee
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

$3.00 or 1.00% of the amount of each cash advance, whichever is greater
None

Up to $25.00
Up to $25.00

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

13001067-MXC10-P-1-080417 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

VISA PLATINUM/VISA PLATINUM CU REWARDS8.00%18.00%8.50%18.00%8.00%18.00%8.50%18.00%8.00%18.00%8.50%18.00%How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Minimum Interest Charge:
The minimum interest charge will be charged on any dollar amount.

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 and Visa Platinum CU Rewards 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:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
payment.

Cash Advance Fee (Finance Charge):
$3.00 or 1.00% 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:
$10.00.

Document Copy Fee:
$2.50.

Statement Copy Fee:
$2.50.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

13001067-MXC10-P-1-080417 (MXC101-E)

January 1, 2019