APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

VISA SIGNATURE CONNECT REWARDS

 Introductory APR, for qualifying members, until December 31,

2022.

After that, or if you do not qualify for the Introductory APR, your APR will be

will vary with the market based on the Prime Rate.

, based on your creditworthiness. This APR

CONNECT

for a period of six billing cycles, based on your creditworthiness.

 Introductory APR, for qualifying members,

After that, or if you do not qualify for an Introductory APR, your APR will be

will vary with the market based on the Prime Rate.

, based on your creditworthiness. This APR

 to

 or

 to

APR for Balance Transfers

VISA SIGNATURE CONNECT REWARDS

 Introductory APR, for qualifying members, until December 31, 2022.

After that, or if you do not qualify for the Introductory APR, your APR will be
, based on your creditworthiness. This APR will vary with

 to

the market based on the Prime Rate.

CONNECT
 or

 Introductory APR, for qualifying members, for a period

of six billing cycles, based on your creditworthiness.

After that, or if you do not qualify for an Introductory APR, your APR will be

 to

, based on your creditworthiness. This APR will vary with

the market based on the Prime Rate.
VISA SIGNATURE CONNECT REWARDS

to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

CONNECT
 to

Introductory APR, for qualifying members, for six billing

cycles from account opening, based on your creditworthiness.

After that, or if you do not qualify for an Introductory APR, your APR will be

to

, based on your creditworthiness. This APR will vary with

the market based on the Prime Rate.

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.

APR for Cash Advances

How to Avoid Paying Interest on
Purchases

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200764-MXC10-C-1-120821 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

For Credit Card Tips from the
Consumer Financial Protection Bureau

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
Annual Fee
- Annual Fee - VISA SIGNATURE
CONNECT REWARDS
- Annual Fee - CONNECT

Transaction Fees
- Balance Transfer Fee
- Overdraft Transfer Fee
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee

None

$25.00, based on your creditworthiness

None
$5.00
1.00% of each transaction in U.S. dollars

Up to $27.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR - VISA SIGNATURE CONNECT REWARDS: The Introductory APR for
purchases and balance transfers will apply to transactions posted to your account from 12/20/2021 until 12/31/2022. Any
existing balances on Vantage West Credit Union loan or credit card accounts are not eligible for the Introductory APR for
balance transfers.

Promotional Period for Introductory APR - CONNECT: The Introductory APR for purchases, balance transfers and
cash advances will apply to transactions posted to your account during the first six months following the opening of your
account. Any existing balances on Vantage West Credit Union loan or credit card accounts are not eligible for the
Introductory APR for balance transfers.

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.

.

Other Fees & Disclosures:
Late Payment Fee: $27.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days
late in making a payment.

Annual Fee - CONNECT: $25.00 based on your creditworthiness

Pay-by-Phone Fee: $15.00.

Rush Fee: $33.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

10200764-MXC10-C-1-120821 (MXC102-E)