APPLICATION AND
SOLICITATION
DISCLOSURE

VISA

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Advantage/Advantage Rebate/Advantage Rewards
11.90% 19.90%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Platinum Advantage/Platinum Advantage Rebate/Platinum
Advantage Rewards
9.90%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

13.90%

, when you open your account, based on your

 to

APR for Balance Transfers

Visa Advantage/Advantage Rebate/Advantage Rewards
11.90% 19.90%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Platinum Advantage/Platinum Advantage Rebate/Platinum
Advantage Rewards
9.90%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

13.90%

 to

APR for Cash Advances

Visa Advantage/Advantage Rebate/Advantage Rewards
11.90% 19.90%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Platinum Advantage/Platinum Advantage Rebate/Platinum
Advantage Rewards
9.90%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

13.90%

Penalty APR and When it Applies

Visa Advantage/Advantage Rebate/Advantage Rewards
None

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Visa Platinum Advantage/Platinum Advantage Rebate/Platinum
Advantage Rewards
None

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.

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.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01212392-MXC10-C-2-120821 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

Fees
Transaction Fees
- Balance Transfer Fee
- Currency Conversion Fee
- International Service Assessment Fee

Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None
1.00% of each transaction in U.S. dollars
1.00% of each transaction in U.S. dollars

Up to $39.00
None
Up to $30.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash
advances)."

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.

January 01, 2022

For California Borrowers,
the Visa Advantage/Advantage Rebate/Advantage Rewards and Visa Platinum
Advantage/Platinum Advantage Rebate/Platinum Advantage 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.

Other Fees & Disclosures:
Late Payment Fee:
$30.00 or the amount of the required minimum payment, whichever is less, if you are six or more days late in making a
payment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you
will be charged $39.00 or the amount of the required minimum payment, whichever is less.

Returned Payment Fee:
$30.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$20.00.

Document Copy Fee:
$15.00.

Emergency Card Replacement Fee:
$30.00.

Rush Fee/Overnight Delivery Fee:
$30.00.

Statement Copy Fee:
$5.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01212392-MXC10-C-2-120821 (MXC102-E)