�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 02200808-MXC10-P-1-120718 (MXC101-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.
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
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
APR for Balance Transfers Visa Signature
 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.
Visa Platinum Rewards
 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.
Visa Platinum
 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.
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 02200808-MXC10-P-1-120718 (MXC101-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.
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
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 $5.00  or2.00%  of the amount of each cash advance, whichever is greater
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $37.00
- 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 forbalance transfers willapply totransactions posted toyour account during thefirst90days
following theopening ofyour account. Anyexisting balances onSPIRE Credit Union loan orcredit card accounts arenot
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.
ForCalifornia Borrowers, theVisa Signature, Visa Platinum Rewards and Visa Platinum aresecured credit cards.
Credit extended under thiscredit card account issecured byvarious personal property andmoney including, but
notlimited to:(a)anygoods you purchase with this account, (b)anyshares you specifically pledge ascollateral
forthisaccount onaseparate Pledge ofShares, (c)allshares youhave inanyindividual 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. Notwithstanding theforegoing, you acknowledge and agree that during any periods
whenyou areacovered borrower under theMilitary Lending Actyour credit card willbesecured byanyspecific
Pledge ofShares you grant usbutwillnotbesecured byallshares you have inany individual orjoint account
with theCredit Union. Forclarity, you willnotbedeemed acovered 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.
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 02200808-MXC10-P-1-120718 (MXC101-E)Other Fees & Disclosures:
Late Payment Fee :
$27.00 ortheamount oftherequired minimum payment, whichever isless, ifyouarefourormore days lateinmaking a
payment. Intheevent youfailtomake apayment ontime inanyofthesixbilling cycles following theinitial violation, you
will be charged $37.00  or the amount of the required minimum payment, whichever is less.
Cash Advance Fee (Finance Charge) :
$5.00  or2.00%  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 Replacement Fee :
$10.00 .
Rush Fee :
$25.00 .