� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  14605268-MXC10-C-1-091621 (MXC102-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 at least  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 FeeUp 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 01, 2021 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-C-1-091621 (MXC102-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 prope rty 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.  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.