� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 02006646-MXC10-P-1-042222 (MXC102-E)APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesMetro Rewards
, , or , when you
open your account, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.
Metro Saver
, , or , when you
open your account, based on your creditworthiness. This APR will vary with
the market based on the Prime Rate.
Metro Builder
APR for Balance Transfers Metro Rewards
 Introductory APR for a period of 12 billing cycles.
After that, your APR will be , ,  or , based on
your creditworthiness. This APR will vary with the market based on the
Prime Rate.
Metro Saver
 Introductory APR for a period of 12 billing cycles.
After that, your APR will be , ,  or , based on
your creditworthiness. This APR will vary with the market based on the
Prime Rate.
Metro Builder
APR for Cash Advances Metro Rewards
Metro Saver
Metro Builder
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.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50 .
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.
SEE NEXT PAGE for more important information about your account.
 � CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 02006646-MXC10-P-1-042222 (MXC102-E)Fees
Annual Fee
- Annual Fee  -Metro Builder $69.00
Transaction Fees
- Cash Advance Fee $0.95
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $10.00
- Returned Payment Fee Up to $25.00
How We 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 Introductory APR  -Metro Rewards, Metro Saver:
The Introductory APR forbalance transfers willapply totransactions posted toyour account during thefirst120 days
following theopening ofyour account. Anyexisting balances onMetro Credit Union loan orcredit card accounts arenot
eligible for the Introductory APR for balance transfers.
Loss of Introductory APR:
We may end your Introductory APR for balance transfers  and apply the prevailing non-introductory APR if you are 60 days
late in making a payment.
Minimum Interest Charge:
The minimum interest charge will be charged on any dollar amount.
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.
ForCalifornia Borrowers, theMetro Rewards, Metro Saver and Metro Builder aresecured credit cards. 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:
$10.00 ortheamount oftherequired minimum payment, whichever isless, ifyouare16ormore days lateinmaking a
payment.
Annual Fee  -Metro Builder:
$69.00.
Cash Advance Fee (Finance Charge):
$0.95.
Returned Payment Fee:
$25.00  or the amount of the required minimum payment, whichever is less.
Card Replacement Fee:
$10.00.
Emergency Card Replacement Fee:
$20.00.
SEE NEXT PAGE for more important information about your account. � CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 02006646-MXC10-P-1-042222 (MXC102-E)Pay-by-Phone Fee:
$5.00.
Rush Fee:
$20.00.
Statement Copy Fee:
$5.00.
Copy of Sales Draft Fee:
$2.00.
Original Sales Draft Fee:
$6.00.