Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

APPLICATION AND SOLICITATION DISCLOSURE 

F1             

F2          to F3          Introductory APR for a period of 12 
billing cycles, based on your creditworthiness.  

After that your APR will be F4          to F5          , based on 
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F6          to F7          Introductory APR for a period of 12 billing cycles, 
based on your creditworthiness.  

After that your APR will be F8          to F9          , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F10        to F11        Introductory APR for a period of 12 billing cycles, 
based on your creditworthiness.  

After that your APR will be F12        to F13        , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

Minimum Interest Charge 
For Credit Card Tips from the Consumer 
Financial Protection Bureau 

We will not charge you any interest on purchases if you pay your entire 
balance by the due date each month.  
F14           
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. 

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Account Set-up Fee 
-  Program Fee 
-  Participation Fee 
-  Application Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F15           
F16           
F17           
F18           
F19           

F20           
F21           
F22        of each transaction in U.S. dollars 
F23           

Up to F24            
Up to F25           

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 12 months following the opening of your account.  

Loss  of  Introductory  APR: We  may  end  your  Introductory  APR  for  purchases,  balance  transfers,  and  cash  advances 
and apply the prevailing non-introductory APR if you are 60 days late in making a payment.  

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DPAWM2 (MXC403 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

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Effective Date:  
The information about the costs of the card described in this application is accurate as of F26                          .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Returned Convenience Check Fee 

Statement Copy Fee 
Rush Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Research Fee 

F27        or the amount of the required minimum payment, whichever is 
less, if you are 30 or more days late in making a payment. 
F28        or the amount of the required minimum payment, whichever is 
less. 
F29        or the amount of the returned convenience check, whichever is 
less. 
F30        per page 
F31        per card 
F32           
F33           
F34        per half hour 

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