�CUNA Mutual Group 2009, 10, 12 All Rights Reserved DILFZ8 (MXC403 CCM003)-e  
SEE NEXT PAGE for more important information about yo ur account. F1            
APPLICATION AND SOLICITATION DISCLOSURE 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases  Visa Platinum 
F2 Introductory APR for a period of F3                       .
After that your APR will be F4 to F5         based on 
your creditworthiness. 
Visa Platinum Rewards  
F6 Introductory APR for a period of F7                        .
After that your APR will be F8 to F9          based on 
your creditworthiness. 
Visa Platinum Cash Back  
F10 Introductory APR for a period of F11                         .
After that your APR will be F12 to F13      based on 
your creditworthiness. This APR will vary with th e market based on the 
Prime Rate.
APR for Balance Transfers Visa Platinum 
F14        Introductory APR for a period of F15                          .
After that your APR will be F16         to F17        based on your 
creditworthiness. 
Visa Platinum Rewards  
F18        Introductory APR for a period of F19       .
After that your APR will be F20         to F21        based on your 
creditworthiness. 
Visa Platinum Cash Back  
F22        Introductory APR for a period of F23                         .
After that your APR will be F24         to F25        based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.
APR for Cash Advances Visa Platinum 
F26       to F27        when you open your account, based on your 
creditworthiness. 
Visa Platinum Rewards  
F28     to F29        when you open your account, based on your 
creditworthiness. 
Visa Platinum Cash Back  
F30        to F31        when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate.
VISA PLATINUM/VISA PLATINUM REWARDS/ 
VISA PLATINUM CASH BACK 
0.00% six billing cycles 
9.90% 18.90% 
0.00% six billing cycles 
11.90% 20.90% 
0.00% six billing cycles 
10.49% 19.49% 
0.00% six billing cycles 
9.90% 18.90% 
0.00% six billing cycles 
11.90% 20.90% 
0.00% six billing cycles 
10.49% 19.49% 
9.90% 18.90% 
11.90% 20.90% 
10.49% 19.49%  DILFZ8 (MXC403 CCM003)-e How to Avoid Paying Interest  on Purchases  You r due date is at least 25 days after the cl ose 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 applyin g for or 
using a credit card, visit the web site of the Consu mer Financial 
Protection Bureau at http://www.consumerfinance.gov/ learnmore. 
Fees 
Transaction Fees 
- Cash Advance Fee F32        or F33     of the amount of each cash advance, whichever is 
greater 
- Foreign Transaction Fee F34        of each transaction in U.S. dollars 
Penalty Fees 
- Late Payment Fee Up to F35          
- Returned Payment Fee Up to F36          
How We Will Calculate Your Balance: We use a method called � average daily bal ance (including new purchases).� 
Promotional Period for Introductory APR:  The Introductory APR for purchases will apply to t ransactions posted to your 
account during the first F37                          following issuance of your card. The Introductory AP R for balance transfers 
will apply to transactions posted to your account un til F38                              . 
Effective Date:  
The information about the costs of the card describe d in this application is accurate as of F39                             . 
This information may have changed after that date. T o find out what may have changed, contact the Credit  Union. 
OTHER DISCLOSURES 
Late Payment Fee F40        or the amount of the required minimum payment, whiche ver 
is less, if you are one or more days late in making a payment. 
Returned Payment Fee F41        or the amount of the required minimum payment, whiche ver 
is less. 
Document Copy Fee F42          
Rush Fee F43          
Emergency Card Replacement Fee F44          
Card Recovery Fee F45          
Representative-Assisted Expedited Payment Fee F46          $5.00 3.00% 
2.00% 
$20.00 
$25.00 
six billing cycles 
the seventh billing cycle
December 30, 2015 
$20.00 
$25.00 
$12.00 
$15.00 
$150.00 
$65.00 
$5.00