�CUNA Mutua l Group  2009, 10, 12 All Rights Reserved  DMAFX1  (MXC4 02 CCM002 ) 
SEE BACK OF PAGE for more important information about your account.   
 
 
 
F1             
APPLICATION AND SOLI CITATION DISCLOSURE   
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases  Visa Platinum  
F2           Introductory APR for a period of 12 billing cycles.  
After that  your APR wil l be F3           to F4           based on 
your creditworthiness. This APR will vary with th e market based on the 
Prime Rate . 
 
Visa Signature  
F5           Introductory APR for a period of 12 billing cycles.  
After that  your APR wil l be F6           to F7           based on 
your creditworthiness. This APR will vary with th e market based on the 
Prime Rate . 
APR for Balance Transfers  Visa Platinum  
F8             Introductory APR for a period of 12 billing cycles.  
After that  your APR wil l be F9             to F10           based on your 
creditworthiness. This APR will vary with th e market based on the 
Prime Rate . 
 
Visa Signature  
F11           Introductory APR for a period of 12 billing cycles.  
After that  your APR wil l be F12           to F13           based on your 
credit worthiness. This APR will vary with th e market based on the 
Prime Rate . 
APR for Cash Advances  Visa Platinum  
F14         to F15         when you open your account , based on your 
creditworthiness.  This APR will vary with th e market based on the 
Prime Rate . 
 
Visa Signature  
F16         to F17         when you open your account , based on your 
creditworthiness.  This APR will vary with th e market based on the 
Prime Rate . 
Penalty APR and When it Applies  Visa Platinum  
F18           
This APR will vary with th e mark et based on the Prime Rate . 
 
Visa Signature  
F19           
This APR will vary with th e market based on the Prime Rate . 
This APR may be applied to your account if you:  
 - Make a late paym ent 
How Long Will the Penalty APR Apply?  If your APRs are increased   DMAFX1 (MXC402  CCM00) -e  for this reason, the Penalty APR will apply until you make six (6)  
consecutive minimum payments when due.  
How to Avoid Paying Interest  on Purchases  Your due date is at least 25  days after the cl ose of each billing cycle. 
We will  not charge you  any interest o n 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 web site of the Consumer Financial 
Protection Bureau  at http://www. consumerfinance.gov/learnmore . 
Fees 
Set-up and Maintenance Fees   
- Annual Fee  F20           
- Application Fee  F21           
Transaction  Fees   
- Balance Transfer Fee  F22           
- Cash Advance Fee  F23         or F24         of the amount of each cash advance, whichever 
is greater  
- Foreign Transaction Fee  F25         of each transaction in U.S. dollars  
Penalty  Fees   
- Late Payment Fee  Up to F26            
- Returned Payment Fee  Up to F27           
 
How We Will Calculate Your Balance.  We use a method called � average daily bal ance (including new purchases).�  
Promotional Period for Introductory APR . The Introductory APR for  purchases and balance transfers  will apply to 
transactions posted to your account  during the first 12 months  following the opening of your account .  
Loss of Introductory APR.  We may end your Introductory APR for purchases and balance transfers and apply the 
Penalty APR if you  are 60  days  late in making a payment.  
Application of Penalt y APR.  Your APR may be increased to the disclosed Penalty APR if you are 60  days  late in making 
a payment.  
Effective Date.  
The information about the costs of the card described in this application is accurate as of  F28            
This information may have  changed after that date. To find out what may have changed, contact the Credit Union.  
OTHER DISCLOSURES  
Late Payment Fee  F29         or the amount of the required minimum payment, whichever 
is less, if you are 15 or more days late in making a payment.  
Returned Payment Fee  F30         or the amount of the required minimum payment, whichever 
is less.  
Statement Copy Fee  F31           
Emergency Card Replacement Fee  F32           
Pay-by-Phone Fee  F33