�  CUNA Mutual Group 2009, 10, 12, 16 All Rights Rese rved 10428834-MXC10-C-1-020922 (MXC102-E)APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Signature Rewards
Visa Platinum Rewards
 to , based on your creditworthiness.
Visa Platinum Best Rate
 to , based on your creditworthiness.
APR for Balance Transfers Visa Signature Rewards
Visa Platinum Rewards
 to , based on your creditworthiness.
Visa Platinum Best Rate
 to , based on your creditworthiness.
APR for Cash Advances Visa Signature Rewards
Visa Platinum Rewards
to , based on your creditworthiness.
Visa Platinum Best Rate
to , based on your creditworthiness.
How to Avoid Paying Interest on
PurchasesYour due date is at least 25 days after the close of each bill ing cycle. We will
not charge you any interest on purchases if you pay your entire ba lance by
the due date each month.
For Credit Card Tips from the
Consumer Financial Protection BureauTo learn more about factors to consider when applying fo r or us ing a
credit card, visit the website of the Consumer Financial Protec tion
Bureau at https://www.consumerfinance.gov/learnmore.
Fees
Annual Fee
- Annual Fee None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
- Foreign Transaction Fee None
- Transaction Fee for Purchases None
Penalty Fees
- Late Payment Fee $10.00
- Returned Payment Fee Up to $15.00
SEE NEXT PAGE for more important information about your account . �  CUNA Mutual Group 2009, 10, 12, 16 All Rights Rese rved 10428834-MXC10-C-1-020922 (MXC102-E)How We Will Calculate Your Balance:
We use a method called "average daily balance (including new p urchases)."
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.
Other Fees & Disclosures:
Late Payment Fee:
$10.00, if you are 10 or more days late in making a payment.
Returned Payment Fee:
$15.00 or the amount of the required minimum payment, whicheve r is less.
Minimum Payment:
The required minimum payment will be 2.50% of your outstandin g balance or $20.00, whichever is greater.