�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01305160-MXC10-C-1-072621 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases Introductory APR  for12months from account opening.
After that ,your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
APR for Balance Transfers  Introductory APR  for a period of 12 billing cycles .
After that,  your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
APR for Cash Advances to ,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
PurchasesYour 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.
For Credit Card Tips from the
Consumer Financial Protection BureauTo 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
Annual Fee
- Annual Fee None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
- Tra nsaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $25.00
- Over-the-Credit Limit Fee None
- Returned Payment Fee Up to $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR :
TheIntroductory APR forpurchases willapply totransactions posted toyour account during thefirst12months following
the opening of your account.
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.
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01305160-MXC10-C-1-072621 (MXC102-E)ForCalifornia Borrowers, thePremier Advantage/Premier Rewards/World Premier isasecured credit card. Credit
extended under this credit card account issecured byvarious personal property and money including, butnot
limited to:(a)anygoods you purchase with this account, (b)anyshares you specifically pledge ascollateral for
this account onaseparate Pledge ofShares, (c)allshares you have inany individual orjoint account with the
Credit Union excluding shares inanIndividual Retirement Account orinany other account that would lose
special taxtreatment under state orfederal law, and (d)collateral securing other loans you have with theCredit
Union excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee :
$25.00 ortheamount oftherequired minimum payment, whichever isless, ifyouare11ormore days lateinmaking a
payment.
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less.
Emergency Card Replacement Fee :
None .
Pay-by-Phone Fee :
$5.00 .
Rush Fee :
$30.00  overnight .
Statement Copy Fee :
$5.00  per document .