~METRO 
u  CREDIT UNION 

200 Revere Beach  Parkway 
Chelsea , MA  02150 
877-696-3876 

APPLICATION AND 
SOLICITATION 
DISCLOSURE 

V ISA 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 

How to Avoid Paying Interest on 
Purchases 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Annual Fee 
- Annual Fee 

Transaction Fees 
- Cash Advance Fee 
- Foreign Transaction Fee 

Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

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 six 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. 
If you are charged interest, the charge will be no less than $0.50. 
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. 

$59.00 

$0.95 
1.00% of each transaction in U.S. dollars 

Up to $10.00 
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. 

Minimum Interest Charge: 
The minimum interest charge will be charged on any dollar amount. 

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  Secured  is  a  secured  credit  card.  Credit  extended  under  this  credit  card 
account  is  secured  by  various  personal  property  and  money  including,  but  not  limited  to:  (a)  any  goods  you 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02006646-MXC10-P-3-072817 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

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. 

Other Fees & Disclosures: 
Late Payment Fee: 
$10.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making a 
payment. 

Annual Fee: 
$59.00. 

Cash Advance Fee (Finance Charge): 
$0.95. 

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. 

Card Replacement Fee: 
$10.00. 

Emergency Card Replacement Fee: 
$20.00. 

Pay-by-Phone Fee: 
$5.00. 

Rush Fee: 
$20.00. 

Statement Copy Fee: 
$5.00. 

Copy of Sales Draft Fee: 
$2.00. 

Original Sales Draft Fee: 
$6.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02006646-MXC10-P-3-072817 (MXC101-E)