�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03112979-MXC10-P-1-071717 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Traditional
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Platinum Rewards
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards +
 to ,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
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Platinum Rewards
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards  +
 to ,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
Visa Platinum Rewards
Visa Signature Rewards  +
How to Avoid Paying Interest on
PurchasesYour 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.
Minimum Interest Charge None
For Credit Card Tips from the
Consumer Financial Protection BureauTo 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.
SEE NEXT PAGE for more important information about your account.
VISA TRADITIONAL/VISA PLATINUM REWARDS/VISA 
SIGNATURE REWARDS
10.99%
13.99%
13.99%
16.99%
12.99%
15.99%
10.99%
13.99%
13.99%
16.99%
12.99%
15.99%
17.99%
17.99%
17.99% �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03112979-MXC10-P-1-071717 (MXC101-E)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, Visa Platinum Rewards1.00%  of each transaction in U.S. dollars
-Foreign Transaction Fee -Visa
Signature RewardsNone
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 :
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
ForCalifornia Borrowers, theVisa Traditional, Visa Platinum Rewards and Visa Signature Rewards aresecured
credit cards. Credit extended under this credit card account issecured byvarious personal property and money
including, butnotlimited to:(a)any goods you purchase with this account, (b)any shares you specifically
pledge ascollateral forthis account onaseparate Pledge ofShares, (c)allshares you have inanyindividual or
joint account with theCredit Union excluding shares inanIndividual Retirement Account orinanyother account
that would lose special taxtreatment under state orfederal law, and (d)collateral securing other loans you have
with theCredit Union excluding dwellings. Notwithstanding theforegoing, you acknowledge and agree that
during any periods whenyou areacovered borrower under theMilitary Lending Actyour credit card willbe
secured byany specific Pledge ofShares you grant usbutwillnotbesecured byallshares you have inany
individual orjoint account with theCredit Union. Forclarity, youwillnotbedeemed acovered borrower if:(i)you
establish your credit card account when you arenotacovered borrower; or(ii)you cease tobeacovered
borrower.
Other Fees & Disclosures:
Late Payment Fee :
$25.00 ortheamount oftherequired minimum payment, whichever isless, ifyouarethree ormore days lateinmaking a
payment.
Balance Transfer Fee (Finance Charge) :
2.00% of each balance transfer.
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less.
Card Recovery Fee :
None .
Card Replacement Fee :
$10.00 .
Emergency Card Replacement Fee :
$10.00 .
SEE NEXT PAGE for more important information about your account.
April 1, 2018 �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03112979-MXC10-P-1-071717 (MXC101-E)Pay-by-Phone Fee :
$10.00 .
PIN Replacement Fee :
None .
Rush Fee :
$30.00 .
Statement Copy Fee :
$2.50 .
Unreturned Card Fee :
None .