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One Credit Union Plaza, PO Box 1450
Coming. NY 14830-1050
Local: (607) 962-3144 Outside Coming/Elmira: (800) 677-6506
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APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges	
Annual Percentage Rate (APR) for Purchases	Visa Traditional 10.49% to 13.49% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Rewards 13.49% tO 16.49% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Signature Rewards + 12.49% to 15.49% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	Visa Traditional 10.49% to 13.49% when you open your account, based on your creditworthiness. This APR v/ilI vary with the market based on the Prime Rate. Visa Platinum Rewards 13,49% to 16.49% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Signature Rewards + 12.49% to 15.49% 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 Traditional 17.99% Visa Platinum Rewards 17.99% Visa Signature Rewards + 17.99%
Penalty APR and When it Applies	None
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 Protection Bureau	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.
eCUNA Mutual Group 2009,10,12 All Rights Resented
03112979-MXC40-C-1-110416 (MXC4O3 CCM»3)-e
SEE NEXT PAGE for more important information about your account.
Fees	
Set-up and Maintenance Fees	
- Annual Fee	None
- Account Set-up Fee	None
- Program Fee	None
- Participation Fee	None
- Additional Card Fee	None
- Application Fee	None
Transaction Fees	
- Balance Transfer Fee	2.00% of the amount of each balance transfer
- Cash Advance Fee	None
- Foreign Transaction Fee (Visa Traditional)	1.00% of each transaction in U.S. dollars
- Foreign Transaction Fee (Visa Platinum Rewards)	1.00% of each transaction in U.S. dollars
- Foreign Transaction Fee (Visa Signature Rewards +)	None
- Transaction Fee for Purchases	None
Penalty Fees	
- Late Payment Fee	Up to $25.00
- Over-the-Credit Limit Fee	None
- Returned Payment Fee	Up to $25.00
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases)."
Effective Date:
The information about the costs of the card described in this application is accurate as of July 1, 2017
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late Payment Fee
Returned Payment Fee
Statement Copy Fee
Rush Fee
Emergency Card Replacement Fee
PIN Replacement Fee
Card Replacement Fee
Unreturned Card Fee
Card Recovery Fee
Pay-by-Phone Fee
$25.00 or the amount of the required minimum payment, whichever is less, if you are three or more days late in making a payment.
$25.00 or the amount of the required minimum payment, whichever is less.
$2.50
$30.00
$10.00
None
$10.00
None
None
$10.00
0311297B-MXC40-C-M10416 (MXC403 CCM003)-e