�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 10502022-MXC10-P-1-081717 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases 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  to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
APR for Cash Advances to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Penalty APR and When it Applies
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
Set-up and Maintenance Fees
- Annual Fee None
-Account Set-up Fee None
-Program Fee None
-Participation Fee None
- Additional Card Fee None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
-Foreign Transaction Fee 1.00%  of each multiple currency transaction in U.S. dollars
0.80%  of each single currency transaction in U.S. dollars
- Tra nsaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $15.00
- Over-the-Credit Limit Fee None
- Returned Payment Fee Up to $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
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.
For California Borrowers, theVisa Classic isasecured credit card. Credit extended under this credit card
account issecured byvarious personal property and money including, butnotlimited to:(a)any goods you
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 10502022-MXC10-P-1-081717 (MXC101-E)purchase with this account, (b)any shares you specifically pledge ascollateral forthis account onaseparate
Pledge ofShares, (c)allshares you have inany individual orjoint account with theCredit Union excluding
shares inanIndividual Retirement Account orinanyother 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 agreethat during any periods when you areacovered
borrower under theMilitary Lending Actyour credit card willbesecured byany specific Pledge ofShares you
grant usbutwillnotbesecured byallshares you have inanyindividual orjoint account with theCredit Union.
Forclarity, youwillnotbedeemed acovered borrower if:(i)youestablish your credit card account when youare
not a covered borrower; or (ii) you cease to be a covered borrower.
Other Fees & Disclosures:
Late Payment Fee :
$15.00 ortheamount oftherequired minimum payment, whichever isless, ifyouare15ormore days lateinmaking a
payment.
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less.
Card Recovery Fee :
$65.00 .
Card Replacement Fee :
$5.00 .
Document Copy Fee :
$12.00 .
Emergency Card Replacement Fee :
$165.00 .
Pay-by-Phone Fee :
$10.00 .
PIN Replacement Fee :
None .
Rush Fee :
$15.00 .
Statement Copy Fee :
$2.00 .
Unreturned Card Fee :
None .