�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03111048-MXC10-P-1-111517 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Platinum
Visa Gold
Visa Classic
APR for Balance Transfers Visa Platinum
Visa Gold
Visa Classic
APR for Cash Advances Visa Platinum
Visa Gold
Visa Classic
Penalty APR and When it Applies Visa Platinum
Visa Gold
Visa Classic
This APR may be applied to your account if you:
- Make a late payment .
How Long Will the Penalty APR Apply? Ifyour APRs are increased for
this reason , the Penalty  APR will apply until you make six consecutive
minimum payment s when due.
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.
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03111048-MXC10-P-1-111517 (MXC101-E)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
Transaction Fees
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash
advances)."
Application of Penalty APR :
Your APR may be increased t o the disclosed Penalty APR if y ou are60 days late in making a payment .
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, Visa Gold andVisa Classic 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)any shares you specifically pledge ascollateral forthis
account onaseparate Pledge ofShares, (c)allshares you have inanyindividual orjoint account with theCredit
Union excluding shares inanIndividual Retirement Account orinanyother account that would lose special tax
treatment under state orfederal law, and (d)collateral securing other loans you have with theCredit Union
excluding dwellings. Notwithstanding theforegoing, you acknowledge and agree that during any periods when
you areacovered borrower under theMilitary Lending Act your credit card will besecured byany specific
Pledge ofShares you grant usbutwillnotbesecured byallshares you have inany individual orjoint account
with theCredit Union. Forclarity, you willnotbedeemed acovered 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 ortheamount oftherequired minimum payment, whichever isless, ifyouareoneormore days lateinmaking a
payment.
Rush Fee :
$70.00 .
Statement Copy Fee :
$1.00 .
Express Card Fee :
$35.00 .