� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01227196-MXC10-P-1-050317 (MXC101-E) 
APPLICATION AND 
SOLICITATION 
DISCLOSURE 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases Visa Platinum 
 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. 
Visa Platinum Rewards 
 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. 
Visa Platinum Cash Back 
 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. 
APR for Balance Transfers Visa Platinum 
 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. 
Visa Platinum Rewards 
 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. 
Visa Platinum Cash Back 
 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. 
SEE NEXT PAGE for more important information about your account. VISA PLATINUM/VISA PLATINUM REWARDS/VISA 
PLATINUM CASH BACK 
0.00% 
 9.65% 18.65% 
0.00% 
11.65% 20.65% 
0.00% 
10.24% 19.24% 
0.00% 
 9.65% 18.65% 
0.00% 
11.65% 20.65% 
0.00% 
10.24% 19.24%  � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01227196-MXC10-P-1-050317 (MXC101-E) APR for Cash Advances Visa Platinum 
to , when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Visa Platinum Rewards 
to , when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
Visa Platinum Cash Back 
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 
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 if you 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 of the Consumer Financial Protection 
Bureau at http://www.consumerfinance.gov/learnmore. 
Fees 
Transaction Fees 
- Cash Advance Fee $5.00  or 3.00%  of the amount of each cash advance, whichever is greater 
- Foreign Transaction Fee 2.00%  of each transaction in U.S. dollars 
Penalty Fees 
- Late Payment Fee Up to $20.00 
- 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: 
The Introductory APR for purchases will apply to transactions posted to your account during the first six billing cycles 
following the opening of your account. 
The Introductory APR for balance transfers will apply to transactions posted to your account until \RXUVHYHQWKELOOLQJ 
F\FOH
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 Platinum, Visa Platinum Rewards and Visa Platinum Cash Back 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 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
payment. 
SEE NEXT PAGE for more important information about your account.  9.65% 18.65% 
11.65% 20.65% 
10.24% 19.24% 
April 09, 2020.  � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 01227196-MXC10-P-1-050317 (MXC101-E) Cash Advance Fee (Finance Charge) :
$5.00 or 3.00% of the amount of each cash advance, whichever is greater. 
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less. 
Card Recovery Fee :
$65.00. 
Document Copy Fee :
$12.00. 
Emergency Card Replacement Fee :
$150.00. 
Rush Fee :
$15.00. 
Representative-Assisted Expedited Payment Fee :
$5.00.