APPLICATION AND
SOLICITATION
DISCLOSURE

Platinum Select Visa
Signature Cash Back Visa
Platinum Essential Visa

Platinum Select Visa
8.50%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

16.50%

 to

Signature Cash Back Visa
12.50% 18.00%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Platinum Essential Visa
18.00%

This APR will vary with the market based on the Prime Rate.

Platinum Select Visa
8.50%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

16.50%

 to

Signature Cash Back Visa
12.50% 18.00%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Platinum Essential Visa
18.00%

This APR will vary with the market based on the Prime Rate.
Platinum Select Visa
8.50%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

16.50%

to

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

Signature Cash Back Visa
12.50% 18.00%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Platinum Essential Visa
18.00%

This APR will vary with the market based on the Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04505268-MXC10-C-1-091919 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Penalty APR and When it Applies

Platinum Select Visa
11.50%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

18.00%

to

Signature Cash Back Visa
15.50% 18.00%
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Platinum Essential Visa
18.00%

This APR will vary with the market based on the Prime Rate.

This APR may be applied to your account if you:
- Make a late payment.

How Long Will the Penalty APR Apply? If your APRs are increased for
this reason, the Penalty APR will apply until you make three consecutive
minimum payments when due.

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.

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Annual Fee
- Annual Fee - Platinum Essential Visa

$25.00

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

3.00% of the amount of each balance transfer
3.00% of the amount of each cash advance
1.00% of each transaction in U.S. dollars

Up to $25.00
Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

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.

November 1, 2019

For California Borrowers, the Platinum Select Visa, Signature Cash Back Visa and Platinum Essential Visa 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

04505268-MXC10-C-1-091919 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a
payment.

Annual Fee - Platinum Essential Visa:
$25.00.

Balance Transfer Fee (Finance Charge):
3.00% of each balance transfer.

Cash Advance Fee (Finance Charge):
3.00% of each cash advance.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Rush Fee:
$25.00.

Stop Payment Fee:
$30.00.

Statement Copy Fee:
$3.00.

Document Copy Fee:
$10.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04505268-MXC10-C-1-091919 (MXC101-E)