�CUNA Mutual Group 2009,  10, 12 All Rights Reserved 10501861-MXC40-P-1-090414 (MXC403 CCM003)-e   
 
 
 
F1             
APPLICATION AND SOLI CITATION DISCLOSURE   
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases  F2             
This APR will vary with th e market based on the Prime Rate . 
APR for Balance Transfers  F3             
This APR will vary with th e market based on the Prime Rate . 
APR for Cash Advances  F4             
This APR will vary with th e market based on the Prime Rate . 
How to Avoid Paying Interest  on Purchases  Your 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 Pr otection Bureau  To learn more about factors to consider when applying for or 
using a credit card, visit the web site of the Consumer Financial 
Protection Bureau  at http://www. consumerfinance.gov/learnmore . 
Fees 
Annual Fee   
- Annual Fee  F5             
Transaction  Fees   
- Balance Transfer Fee  F6        of the amount of each balance transfer  (Maximum Fee: F7        ) 
- Foreign Transaction Fee  F8        of each multiple currency transaction in U.S. dollars  
 F9        of each single currency transaction in U.S. dollars  
Penalty  Fees   
- Late Payment Fee  Up to F10            
- Over -the-Credit Limit Fee  Up to F11           
 
How We Will Calculate Your Balance:  We use a method called � average daily bal ance (excluding new purchases).�  
Effective Date:  
The information about the costs of the card described in this application is accurate as of F12                             .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
OTHER DISCLOSURES 
Late Payment Fee F13         or the amount of the required minimum payment, whichever 
is less, if you are ten or more days late in making a payment. 
Over- the-Credit Limit Fee F14         or the amount of the transaction exceeding your approved 
credit limit, whichever is less. In the event you exceed your credit limit 
in the same or in any of the six billing cycles following the initial 
violation, you will be charged F15         or the amount of the transaction 
exceeding your approved credit limit, whichever is less.