APPLICATION AND
SOLICITATION
DISCLOSURE

, when you open your account, based on your

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Credit Card
 to

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Visa Rewards Credit Card
 to

creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Signature Rewards Card
 to

creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Secured

APR for Balance Transfers

This APR will vary with the market based on the Prime Rate.

Visa Credit Card

 Introductory APR for a period of 18 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

 to

Visa Rewards Credit Card

 Introductory APR for a period of 18 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

 to

Visa Signature Rewards Card

 Introductory APR for a period of 18 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

 to

Visa Secured

This APR will vary with the market based on the Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04804927-MXC10-C-1-030119 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

9.15%20.50%11.75%23.10%15.41%23.50%13.95%0.00%9.15%20.50%0.00%11.75%23.10%0.00%15.41%23.50%13.95%APR for Cash Advances

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Set-up and Maintenance Fees
- Annual Fee
- Additional Card Fee

Transaction Fees
- Introductory APR Balance Transfer Fee
  Visa Credit Card
  Visa Rewards Credit Card
  Visa Signature Rewards Card
- Balance Transfer Fee
  Visa Secured
- Cash Advance Fee
- Foreign Transaction Fee
  Visa Credit Card
  Visa Rewards Credit Card
  Visa Secured
- Foreign Transaction Fee
  Visa Signature Rewards Card
- Transaction Fee for Purchases
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Visa Credit Card
to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Visa Rewards Credit Card

to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Visa Signature Rewards Card

to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Visa Secured

This APR will vary with the market based on the Prime Rate.

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 $1.00.
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.

None
None

$10.00 or 3.00% of the amount of each balance transfer, whichever is
greater

None

$2.00
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars

None

None

Up to $25.00
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)."

Introductory APR for Balance Transfers - Visa Credit Card, Visa Rewards Credit Card, and Visa Signature
Rewards Card: We permit balance transfers from most non-University of Wisconsin Credit Union accounts. Any existing
balances on University Of Wisconsin Credit Union loan or credit card accounts are not eligible for the Introductory APR for
balance transfers.

Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04804927-MXC10-C-1-030119 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

9.15%20.50%11.75%23.10%15.41%23.50%13.95%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 Credit Card, Visa Rewards Credit Card, Visa Signature Rewards Card and Visa
Secured 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.

Balance Transfer Fee (Finance Charge) - Visa Credit Card, Visa Rewards Credit Card, and Visa Signature Rewards Card:
$10.00 or 3.00% of the amount of each balance transfer, whichever is greater. However, this fee is waived for non-
introductory balance transfers.

Cash Advance Fee (Finance Charge): $2.00.

Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee: $5.00.

Rush Fee: $25.00 Monday through Friday for domestic delivery. $45.00 International delivery and Saturday domestic
delivery.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04804927-MXC10-C-1-030119 (MXC101-E)

September 01, 2021