�CUNA Mutual Group 2009, 10, 12 All Rights Reserved DMABY6 (MXC403 CCM003)-e  SEE NEXT PAGE for more important information about your account. 
 F1  APPLICATION AND SOLICITATION DISCLOSURE 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases
 Visa Platinum Secured 
)
Visa Platinum  

This APR will vary with th e market based on the Prime Rate.
Onyx Smart Rewards  
)WR) when you open your account, based on your creditworthiness.
This APR will vary with th e market based on the Prime Rate
.
MIT Alumni  
)WR) when you open your account, based on your creditworthiness.
This APR will vary with th e market based on the Prime Rate.
APR for Balance Transfers Visa Platinum Secured )Visa Platinum
 
)This APR will vary with th
e market based on the Prime Rate.
Onyx Smart Rewards  
)WR)when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate .
MIT Alumni  
)WR)when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.
APR for Cash Advances Visa Platinum Secured )Visa Platinum
 
)This APR will vary with th
e market based on the Prime Rate.
Onyx Smart Rewards  
)WR)when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate .
MIT Alumni  
)WR)when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.
VISA PLATINUM SECURED/VISA PLATINUM/ONYX SMART REWARDS/MIT ALUMNI
9.24%9.24%12.24% 15.24%12.24% 15.24%
9.24%9.24%12.24% 15.24%12.24% 15.24%9.24%9.24%12.24% 15.24%12.24% 15.24% DMABY6 (MXC403 CCM003)-ePenalty APR and When it Applies Visa Platinum Secured )Visa Platinum
 
)Onyx Smart Rewards
 
)MIT Alumni
 
)This
APR may be applied to your account if you:-M a k e  a  l a t e  p a y m e n t
+RZ/RQJ:LOOWKH3HQDOW\$35$SSO\"If your APRs are increased for this reason, 
the Penalty APR will apply until you make six
consecutive minimum payments when due.
How to Avoid Paying Interest on Purchases 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.
For Credit Card Tips from the Consumer Financial Prot
ection 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 
Transaction Fees 
- Foreign Transaction Fee )of each multiple currency transaction in U.S. dollars
-Foreign Transaction Processing Fee)of each single currency transaction in U.S. dollars)
of each International transaction in U.S. dollars (maximum 
fee: )of the amount)
Penalty Fees 
- Late Payment Fee Up to )
- Returned Payment Fee Up to )
+RZ:H:LOO&DOFXODWH<RXU%DODQFHWe use a method called �average daily balance (including new purchases).� $SSOLFDWLRQRI3HQDOW\$35 Your APR may be increased to the disclosed Pe nalty APR if you are 60 days late in making a payment. Effective Date:  The information about the costs of the card desc ribed 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. OTHER DISCLOSURES 
Late Payment Fee )or the amount of the required minimum payment, whichever is less, if you are ten or more days late in making 
a
payment.
Returned Payment Fee )or the amount of the required minimum payment, whichever is less.
Statement Copy Fee )
Document Copy Fee )
Rush Fee )
Emergency Card Replacement Fee )
Card Replacement Fee )
Copy of Entertainment and Entertainment Draft Fee )
16.99%
16.99%
16.99%
16.99%
1.00%0.80%
1.00%
2.00%$25.00$25.00
Januar y1, 2016
$25.00$25.00$5.00$5.00$50.00$75.00$15.00$25.00