� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01601330-MXC10-P-1-070620 (MXC101-E)
APPLICATION ANDSOLICITATIONDISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) forPurchasesVisa Platinum
 to , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Signature
 to , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.
APR for Balance TransfersVisa Platinum to, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Signature to, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.
APR for Cash AdvancesVisa PlatinumThis APR will vary with the market based on the Prime Rate.Visa SignatureThis APR will vary with the market based on the Prime Rate.
How to Avoid Paying Interest onPurchasesYour due date is at least 25 days after the close of each billing cycle. We willnot charge you any interest on purchases if you pay your entire balance bythe due date each month.
For Credit Card Tips from theConsumer Financial Protection BureauTo learn more about factors to consider when applying for or using acredit card, visit the website of the Consumer Financial ProtectionBureau at http://www.consumerfinance.gov/learnmore.
Fees
Transaction Fees
- Foreign Transaction Fee - Visa Platinum1.00% of each transaction in U.S. dollars - Foreign Transaction Fee - VisaSignatureNone
Penalty Fees
- Late Payment Fee Up to $29.00
- Over-the-Credit Limit Fee Up to $29.00
- Returned Payment Fee Up to $29.00
SEE NEXT PAGE for more important information about your account.VISA PLATINUM/VISA SIGNATURE
7.24% 16.24%9.74% 16.49%
7.24% 16.24%9.74% 16.49%16.24%16.24% � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01601330-MXC10-P-1-070620 (MXC101-E)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.For California Borrowers, the Visa Platinum and Visa Signature are secured credit cards. Credit extended underthis credit card account is secured by various personal property and money including, but not limited to: (a) anygoods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on aseparate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Unionexcluding shares in an Individual Retirement Account or in any other account that would lose special taxtreatment under state or federal law, and (d) collateral securing other loans you have with the Credit Unionexcluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods whenyou are a covered borrower under the Military Lending Act your credit card will be secured by any specificPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint accountwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit cardaccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.Other Fees & Disclosures:Late Payment Fee
:
$29.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making apayment.Over-the-Credit Limit Fee
:
$29.00 or the amount of the transaction exceeding your approved credit limit, whichever is less.Returned Payment Fee
:
$29.00 or the amount of the required minimum payment, whichever is less.Card Replacement Fee
:
$5.00.Rush Fee
:
$29.00.Statement Copy Fee
:
$2.00.Custom Card Design Fee
:
$12.95 per design.August 1, 2020