APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM/CASH REWARDS/TRAVEL
REWARDS/BUSINESS CASH REWARDS/SECURED VISA

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum
3.99%

 Introductory APR for a period of nine billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

10.15% 19.49%
 to

, based on your

Cash Rewards
3.99%

 Introductory APR for a period of nine billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

12.15% 21.49%
 to

, based on your

Travel Rewards
3.99%

 Introductory APR for a period of nine billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

12.15% 21.49%
 to

, based on your

Business Cash Rewards
3.99%

 Introductory APR for a period of nine billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

14.99% 21.49%
 to

, based on your

Secured Visa
16.99%

This APR will vary with the market based on the Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10406597-MXC10-C-1-121117 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

APR for Balance Transfers

Visa Platinum
3.99%

 Introductory APR for a period of nine billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

21.49%

12.15%

 to

Cash Rewards
3.99%

 Introductory APR for a period of nine billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

23.49%

14.15%

 to

Travel Rewards
3.99%

 Introductory APR for a period of nine billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

23.49%

14.15%

 to

Business Cash Rewards
3.99%

 Introductory APR for a period of nine billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

23.49%

16.99%

 to

APR for Cash Advances

Secured Visa
18.99%

This APR will vary with the market based on the Prime Rate.
Visa Platinum
12.15% 21.49%.
to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Cash Rewards
14.15%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

23.49%

to

Travel Rewards
14.15%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

23.49%

to

Business Cash Rewards
16.99%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

23.49%

to

Secured Visa
18.99%

This APR will vary with the market based on the Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10406597-MXC10-C-1-121117 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Penalty APR and When it Applies

Visa Platinum
17.49%

Cash Rewards
17.49%

Travel Rewards
17.49%

Business Cash Rewards
17.49%

Secured Visa
17.49%

This APR may be applied to your account if you:
- Make a late payment;
- Go over your credit limit two times in any 12-month period; or
- Make a payment that is returned.

How Long Will the Penalty APR Apply? If your APRs are increased for
making a late payment, the Penalty APR will apply until you make six
consecutive minimum payments when due. If Your APRs are increased for
going over Your credit limit two times in a 12-month period or making a
payment that is returned, we may keep the APR at this higher level
indefinitely.

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.

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.

None
None
3.00% of each transaction in U.S. dollars

None

Up to $10.00
None
Up to $25.00

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee –
Visa Platinum, Cash Rewards, Business
Cash Rewards, Secured Visa
- Foreign Transaction Fee –
Travel Rewards
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR – Visa Platinum, Cash Rewards, Travel Rewards, Business Cash
Rewards: The Introductory APR for purchases and balance transfers will apply to transactions posted to your account
during the first nine months following issuance of your card. Any existing balances on Alliance Credit Union loan or credit
card accounts are not eligible for the Introductory APR for balance transfers.

Loss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the
Penalty APR if you are 60 days late in making a payment.

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making
a payment, go over your credit limit two times in any 12-month period or make a payment that is returned.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10406597-MXC10-C-1-121117 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

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.

January 1, 2019

.

For California Borrowers, the Visa Platinum, Cash Rewards, Travel Rewards, Business Cash Rewards and
Secured Visa 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:
$10.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a
payment.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10406597-MXC10-C-1-121117 (MXC101-E)