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. 

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)