�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01402665-MXC10-C-2-041519 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases Introductory APR , for Q ualifying Purchases , for a period of
 billing cycles.
After that ,your APR will be . This APR will vary with the market
based on the Prime Rate.
APR for Balance Transfers
This APR will vary  with the market based on the Prime Rate .
APR for Cash Advances
This APR will vary  with the market based on the Prime Rate .
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
Annual Fee
- Annual Fee None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee $5.00  or3.00%  of the amount of each cash advance, whichever is greater
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
- Tra nsaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $15.00
- Returned Payment Fee Up to $28.00
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Qualifying Purchases: Anypurchase made during apromotional period atamerchant identified onCommunity Choice
Credit Union�s approved merchant listwillqualify fortheintroductory APR. This approved merchant listisprovided toYou
along with theAccount Opening Disclosure atAccount Opening. You willneed topaytheentire balance within
months to avoid any interest being assessed against the remaining balance.
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:$15.00 ortheamount oftherequired minimum payment, whichever isless, ifyouare10ormore days
late in making a payment.
Cash Advance Fee (Finance Charge) :$5.00  or3.00%  of the amount of each cash advance, whichever is greater.
Returned Payment Fee :$28.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee :$5.00 .
Emergency Card Replacement Fee :None .
Rush Fee :$30.00 .
Statement Copy Fee :$5.00 .
Design Your Own Card Fee :$10.00 per card .