�CUNA Mutual Group 2009, 10, 12 All Rights Reserved 00907475-MXC40-P-1-121416 (MXC403 CCM003)-eF1 APPLICATION AND SOLICITATION DISCLOSURE 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases F2 Introductory APR for a period of F3  . After that your APR will be 
F4to F5    , based on your creditworthiness. 
APR for Balance Transfers F6  Introductory APR for a period of F7    . After that your APR will be F8   to F9   ,based on your creditworthiness. 
APR for Cash Advances F10     toF11     when you open your account, based on your creditworthiness.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billin g cycle. We will not charge you any interest on purchases if you pay your en tire 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. 
Fees 
Annual Fee 
- Annual Fee F12    
Transaction Fees 
- Balance Transfer Fee F13    
- Cash Advance Fee F14    
- Foreign Transaction Fee F15    of each multiple currency transaction in U.S. dollars
F16    of each single currency transaction in U.S. dollars
- Transaction Fee for Purchases F17    
Penalty Fees 
- Late Payment Fee Up to F18   
- Over-the-Credit Limit Fee F19    
- Returned Payment Fee Up to F20   
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 purchases and balance transfers will apply to transactions posted to your account during the first F21              following issuance of your card. Any existing balances on current Launch Federal Credit Union loan and/or credit card programs are not eligible for the introductory APR. Effective Date:  The information about the costs of the card described in this a pplication is accurate as of F22                            .  This information may have changed after that date. To find out what may have changed, contact the Credit Union. OTHER DISCLOSURES 
Late Payment Fee F23    or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment.
Returned Payment Fee F24    or the amount of the required minimum payment, whichever is less.
Statement Copy Fee F25     
Rush Fee Up to F26   
Card Replacement Fee F27     
VISA PLATINUM
3.90% six billin gcycles
8.90% 17.50%
3.90%six billin gcycles
8.90% 17.50%8.90% 17.50%
NoneNoneNone1.00%1.00%None$25.00None$25.0060 da
ysJanuar
y1, 2017$25.00$25.00$5.00$65.00
$5.00