APPLICATION AND SOLICITATION DISCLOSURE
V/SA
VISA PLATINUM PREFERRED/VISA PLATINUM/VISA PLATINUM SHARE SECURED
Interest Rates and Interest Charges	
Annual Percentage Rate (APR) for Purchases	Visa Platinum Preferred 7.50% Introductory APR for a period of 12 billing cycles. Afterthat, yourAPRwillbe 12.50%, 13.00% Or 15.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum 13.25%, 13.75%, 16.00%, 17.00% or 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Share Secured 12.25% This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers	Visa Platinum Preferred 7.50% Introductory APR for a period of 12 billing cycles. Afterthat, yourAPR will be 12.50% , 13.00% or 15.25%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum 13.25%, 13.75%, 16.00%, 17.00% or 18.00% , whenyouopenyour account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Share Secured 12.25% This APR will vary with the market based on the Prime Rate.
OWNER
SEE NEXT PAGE for more important information about your account.
© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
10200094-MXC10-C-1-032517 (MXC101-E)
APR for Cash Advances	Visa Platinum Preferred 12.50% , 13.00% or 15.25%, when you open youraccount, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum 13.25%, 13.75%, 16.00%, 17.00% or 18.00% , whenyouopenyour account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Visa Platinum Share Secured 12.25% This APR will vary with the market based on the Prime Rate.
Howto Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases ifyou pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website ofthe Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees	
Transaction Fees - Foreign Transaction Fee	1.00% ofeach multiple currency transaction in U.S. dollars 1.00% ofeach single currencytransaction in U.S. dollars
Penalty Fees -	Late Payment Fee -	Returned Payment Fee	Upto $32.00 Up to $32.00
HowWe Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash advances)."
Promotional Period for IntroductoryAPR - Visa Platinum Preferred:
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first 12 months following the opening of your account. Any existing balances on Tucson Federal Credit Union loan or credit card accounts are not eligible forthe Introductory APR for balance transfers.
Effective Date:
The information about the costs ofthe card described in this application is accurate as of: November 1,2017.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
For California Borrowers, the Visa Platinum Preferred, Visa Platinum and Visa Platinum Share Secured 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.
Other Fees & Disclosures:
Late Payment Fee:
20.00% ofthe interest due, ifyou are 10 or more days late in making a payment. However, the fee will not exceed $32.00.
OWNER
SEE NEXT PAGE for more important information about your account.
© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
10200094-MXC10-C-1-032517 (MXC101-E)
Returned Payment Fee:
$32.00 orthe amount ofthe required minimum payment, whichever is less.
Returned Convenience Check Fee:
$32.00 orthe amount ofthe returned convenience check, whichever is less.
Card Replacement Fee: $10.00.
Document Copy Fee: $5.00.
Emergency Card Replacement Fee: $40.00.
Pay-by-Phone Fee: $20.00.
Rush Fee:
$40.00.
Statement Copy Fee: $2.00.
Non-TFCU ATM Fee: $2.00 per transaction.
Copy ofVisa Voucher Fee: $5.00 per copy.
OM1UNER
© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
10200094-MXC10-C-1-032517 (MXC101-E)