�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00100968-MXC10-C-2-072121 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Signature
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate plus a margin.
Visa Traditional Variable
 Introductory APR  for a period of six 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 plus a margin.
Visa Traditional Secured
 Introductory APR  for a period of six billing cycles.
After that ,your APR will be . This APR will vary with the market
based on the Prime Rate plus a margin.
Visa Traditional Non-Variable
 Introductory APR  for a period of six billing cycles.
After that ,your APR will be .
APR for Balance Transfers Visa Signature
 Introductory APR  for a period of six 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 plus a margin.
Visa Traditional Variable
 Introductory APR  for a period of six 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 plus a margin.
Visa Traditional Secured
 Introductory APR  for a period of six billing cycles .
After that,  your APR will be . This APR will vary with the market
based on the Prime Rate plus a margin.
Visa Traditional Non-Variable
 Introductory APR  for a period of six billing cycles .
After that,  your APR will be .
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00100968-MXC10-C-2-072121 (MXC102-E)APR for Cash Advances Visa Signature
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate plus a margin.
Visa Traditional Variable
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate plus a margin.
Visa Traditional Secured
This APR will vary  with the market based on the Prime Rate  plus a margin .
Visa Traditional Non-Variable
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
Transaction Fees
-Foreign Transaction Fee None
Penalty Fees
- Late Payment Fee Up to $39.00
- Over-the-Credit Limit Fee Up to $39.00
- Returned Payment Fee Up to $35.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR � Visa Signature:
The Introductory APR forbalance transfers willapply totransactions posted toyour account during thefirst30days
following theopening ofyour account. Any existing balances onRedstone Federal Credit Union loan orcredit card
accounts are not eligible for the Introductory APR for balance transfers .
Promotional Period forIntroductory APR �Visa Traditional Variable, Visa Traditional Secured, Visa Traditional
Non-Variable:
TheIntroduc toryAPR forpurchases willapply totransactions posted toyour account during thefirstsixmonths following
the opening of your account.
The Introductory APR forbalance transfers willapply totransactions posted toyour account during thefirst30days
following theopening ofyour account. Any existing balances onRedstone Federal Credit Union loan orcredit card
accounts are not eligible for the Introductory APR for balance transfers
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 Signature, Visa Traditional Variable, Visa Traditional Secured and Visa
Traditional Non-Variable aresecured credit cards. Credit extended under this credit card account issecured by
various personal property andmoney including, butnotlimited to:(a)anygoods youpurchase with thisaccount,
(b)anyshares youspecifically pledge ascollateral forthisaccount onaseparate Pledge ofShares, (c)allshares
you have inany individual orjoint account with theCredit Union excluding shares inanIndividual Retirement
Account orinany other account that would lose special tax treatment under state orfederal law, and
(d)collateral securing other loans you have with the Credit Union excluding dwellings .
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00100968-MXC10-C-2-072121 (MXC102-E)Other Fees & Disclosures:
Late Payment Fee :
$28.00 ortheamount oftherequired minimum payment, whichever isless, ifyouarefiveormore days lateinmaking a
payment .Intheevent youfailtomake apayment ontime inanyofthesixbilling cycles following theinitial latepayment ,
you will be charged $39.00  or the amount of the required minimum payment, whichever is less.
Over-the-Credit Limit Fee :
$28.00 ortheamount ofthetransaction exceeding your approved credit limit, whichever isless. Intheevent youexceed
your credit limitinanyofthesixbilling cycles following theinitial violation, youwillbecharged $39.00 ortheamount ofthe
transaction exceeding your approved credit limit, whichever is less.
Returned Payment Fee :
$25.00 ortheamount oftherequired minimum payment, whichever isless. Intheevent apayment isreturned inthesame
orinanyofthesixbilling cycles following theinitial violation ,youwillbecharged $35.00 ortheamount oftherequired
minimum payment, whichever is less.
Returned Convenience Check Fee :
$35.00  or the amount of the returned convenience check, whichever is less.
Card Replacement Fee :
$5.00 .
Document Copy Fee :
$12.00  per document .
Expedited Payment  Fee:
$8.00  per payment  when processed by a customer service representative .
Credit Card Rush Order Fee:
$35.00 .
Statement Copy Fee :
$3.00  per document .