APPLICATION AND SOLICITATION DISCLOSURE 

F1             

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

F2         Introductory APR for a period of F3              

After that your APR will be F4         to F5          based on 
your creditworthiness.  
F6         Introductory APR for a period of F7             

After that your APR will be F8             to F9             based on your 
creditworthiness.  
F10       Introductory APR for a period of F11            

After that your APR will be F12       to F13        based on your 
creditworthiness.  
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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. 

Fees 
Transaction Fees 
-  Balance Transfer Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F14           
F15        of each transaction in U.S. dollars 

Up to F16            
Up to F17           

How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).”  

Promotional Period for Introductory APR. The Introductory APR for purchases, balance transfers, and cash advances 
will apply to transactions posted to your account during the F18                                  following issuance of your card.  

Effective Date.  
The information about the costs of the card described in this application is accurate as of F19            
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 
Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 
Pay-by-Phone Fee 

F20       or the amount of the required minimum payment, whichever is 
less, if you are 15 or more days late in making a payment. 
F21       or the amount of the required minimum payment, whichever is 
less. 
F22           
F23           
F24           
F25           
F26       maximum 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DPAGH5  (MXC402 CCM002)