APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM REWARDS/GLOBAL GOOD 
STUDENT REWARDS/VISA SIGNATURE

VISA PLATINUM

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum

 to

, based on your creditworthiness.

Visa Platinum Rewards/Global Good/Student Rewards

 to

, based on your creditworthiness.

Visa Signature

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

Visa Platinum

Introductory APR, for qualifying members, until

.

After that, or if you do not qualify for the Introductory APR, your APR will be

 to

, based on your creditworthiness.

Visa Platinum Rewards/Global Good

/Student Rewards

Introductory APR, for qualifying members, until

.

After that, or if you do not qualify for the Introductory APR, your APR will be

 to

, based on your creditworthiness.

Visa Signature

Introductory APR, for qualifying members, until

.

After that, or if you do not qualify for an Introductory APR, your APR will be

. This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

Visa Platinum

to

, based on your creditworthiness.

Visa Platinum Rewards/Global Good/Student Rewards

to

, based on your creditworthiness.

Visa Signature

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial Protection Bureau

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.

None
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

04800387-MXC10-C-2-110419 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

9.90%17.90%11.90%19.90%12.65%0.99%March 28, 20219.90%17.90%0.99%March 28, 202111.90%19.90%0.99%March 28, 202112.65%9.90%17.90%11.90%19.90%12.65%Fees
Annual Fee
- Annual Fee

Transaction Fees
- Balance Transfer Fee

- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None

$10.00 or 3.00% of the amount of each balance transfer, whichever is
greater
$3.00
1.00% of each transaction in U.S. dollars
None

Up to $25.00
None
Up to $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted
to your account from
. Any existing balances on Summit Credit Union
loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

until

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,  Visa  Platinum  Rewards/Global  Good/Student  Rewards  and  Visa 
Signature  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  five  or  more 
days late in making a payment.

Balance Transfer Fee (Finance Charge):
$10.00  or  3.00%  of  the  amount  of  each  balance  transfer,  whichever  is  greater.  However,  this  fee  is  waived  during  the 
promotional period as stated in the Promotional Period for Introductory APR section above.

Cash Advance Fee (Finance Charge): $3.00.

Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee: $5.00.

Document Copy Fee: $3.00.

Rush Fee: $55.00.

Statement Copy Fee: $5.00.

Global  Good:  Summit  Credit  Union  will  donate  15.00%  of  the  interchange  fee  on  every  purchase  you  make  to  the 
Worldwide  Foundation  for  Credit  Unions.  Donations  from  your  purchases  help  provide  access  to  the  financial  building 
blocks needed to support families and strengthen economies in communities around the world.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04800387-MXC10-C-2-110419 (MXC101-E)

January 6, 2020February 29, 2020January 06, 2020