�CUNA Mutual Group 2009,  10, 12 All Rights Reserved DTXWO5 (MXC403 CCM003)-eF1 
APPLICATION AND SOLI CITATION DISCLOSURE  
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases  F2      Introductory APR , for qualifying members,  for a period of 
six months.  
After that , or if you do not qualify for the Introductory APR,  your APR 
will be F3          to F4         , based on your
creditworthiness. This APR will vary with th e market based on the 
Prime Rate . 
APR for Balance Transfers  F5   Introductory APR , for qualifying members,  for a period of six 
months.  
After that , or if you do not qualify for the Introductory APR,  your APR 
will be F6          to F7   , based on your creditworthiness. This APR 
will vary with th e market based on the Prime Rate . 
APR for Cash Advances  F8          to F9          when you open your account , based on your 
creditworthiness.  This APR will vary with th e market based on the 
Prime Rate . 
How to Avoid Paying Interest  on Purchases  Your due date is at least 25  days after the cl ose 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.   
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 web site of the Consumer Financial 
Protection Bureau  at http://www. consumerfinance.gov/learnmore . 
Fees 
Transaction  Fees  
- Foreign Transaction Fee  F10     of each transaction in U.S. dollars  
Penalty  Fees  
- Late Payment Fee  Up to $30.00 F11   
- Returned Payment Fee  Up to $30.00 F12   
How We Will Calculate Your Balance:  We use a method called � average daily bal ance (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 six months following the opening of your account .  
Effective Date:  
The information about the costs of the card described in this application is accurate as of F13                          .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
OTHER DISCLOSURES 
Late Payment Fee  F14     or the amount of the required minimum payment, whichever is 
less, if you are ten or more days late in making a payment.  
Returned Payment Fee  F15     or the amount of the required minimum payment, whichever is 
less. 
Rush Fee  F16    
Card Replacement Fee  F17    
1.00%
$30.00
$30.00
$30.00
$5.00