APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

VISA SIGNATURE CONNECT REWARDS

 Introductory APR, for qualifying members, for a period of six

billing cycles.

After that, or if you do not qualify for the Introductory APR, your APR will be

will vary with the market based on the Prime Rate.

, based on your creditworthiness. This APR

CONNECT

for a period of six billing cycles, based on your creditworthiness.

 Introductory APR, for qualifying members,

After that, or if you do not qualify for an Introductory APR, your APR will be

will vary with the market based on the Prime Rate.

, based on your creditworthiness. This APR

 to

to

 to

APR for Balance Transfers

VISA SIGNATURE CONNECT REWARDS

 Introductory APR, for qualifying members, for a period of six billing

cycles.

After that, or if you do not qualify for the Introductory APR, your APR will be
, based on your creditworthiness. This APR will vary with

 to

the market based on the Prime Rate.

CONNECT
to

 Introductory APR, for qualifying members, for a period of

six billing cycles, based on your creditworthiness.

After that, or if you do not qualify for an Introductory APR, your APR will be

 to

, based on your creditworthiness. This APR will vary with

the market based on the Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200764-MXC10-C-1-101917 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

APR for Cash Advances

VISA SIGNATURE CONNECT REWARDS

 Introductory APR, for qualifying members, for a period of six billing

cycles.

After that, or if you do not qualify for the Introductory APR, your APR will be
, based on your creditworthiness. This APR will vary with

to

the market based on the Prime Rate.

CONNECT
to

 Introductory APR, for qualifying members, for a period of

six billing cycles, based on your creditworthiness.

After that, or if you do not qualify for an Introductory APR, your APR will be

to

, based on your creditworthiness. This APR will vary with

the market based on the Prime Rate.

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.

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.

None

Up to $25.00, based on your creditworthiness

None
$8.00
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars

Up to $27.00

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Annual Fee
- Annual Fee - VISA SIGNATURE
CONNECT REWARDS
- Annual Fee - CONNECT

Transaction Fees
- Balance Transfer Fee
- Overdraft Transfer Fee
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee

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, balance transfers and cash advances will apply to transactions posted to your
account during the first six months following the opening of your account. Any existing balances on Vantage West Credit
Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

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 SIGNATURE CONNECT REWARDS and CONNECT are secured credit cards.
Credit extended under this credit card account is secured by various personal property and money including, but
not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral
for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the
Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose
special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit
Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods
when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific
Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account
with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card
account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200764-MXC10-C-1-101917 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Other Fees & Disclosures:
Late Payment Fee:
$27.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a
payment.

Annual Fee - CONNECT:
Up to $25.00, based on your creditworthiness.

Card Replacement Fee:
$10.00.

Pay-by-Phone Fee:
$10.00.

Rush Fee:
$33.00.

Statement Copy Fee:
$3.00.

Account Research Fee:
$25.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200764-MXC10-C-1-101917 (MXC101-E)