APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

F2           to F3           when you open your account, based 
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
F4           to F5           when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F6           to F7           when you open your account, 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. 

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.  
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 
Transaction Fees 
-  Balance Transfer Fee 

-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F8           or F9           of the amount of each balance transfer, 
whichever is greater 
F10         or F11         of the amount of each cash advance, whichever 
is greater 
F12         of each transaction in U.S. dollars 

Up to F13            
Up to F14           

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).”  

Effective Date.  
The information about the costs of the card described in this application is accurate as of F15            
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 

Statement Copy Fee 
Card Replacement Fee 

F16         or the amount of the required minimum payment, whichever 
is less, if you are 15 or more days late in making a payment. 
F17         or the amount of the required minimum payment, whichever 
is less. 
F18           
F19           for the first replacement card you request; F20         for each 
replacement card you request thereafter within a 12-month period 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DMIOW0 (MXC402 CCM002)-e