Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

APPLICATION AND
SOLICITATION
DISCLOSURE

Visa Platinum

 to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Visa Platinum Share Secured

This APR will vary with the market based on the Prime Rate.

Earned Rewards
 to

creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Earned Premium Visa Signature

 to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Visa Platinum

 to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Visa Platinum Share Secured

This APR will vary with the market based on the Prime Rate.

Earned Rewards
 to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Earned Premium Visa Signature

 to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04202655-MXC10-P-1-052318 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

APR for Cash Advances

Visa Platinum

to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Visa Platinum Share Secured

This APR will vary with the market based on the Prime Rate.

Earned Rewards

This APR will vary with the market based on the Prime Rate.

Earned Premium Visa Signature

Penalty APR and When it Applies

Visa Platinum

This APR will vary with the market based on the Prime Rate.

Visa Platinum Share Secured

Earned Rewards

Earned Premium Visa Signature

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

This APR may be applied to your account if you:
- Make a late payment.

How Long Will the Penalty APR Apply? If your APRs are increased for
this reason, the Penalty APR will apply until you make six consecutive
minimum payments when due.

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.

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
Set-up and Maintenance Fees
- Annual Fee
- Account Set-up Fee
- Program Fee
- Additional Card Fee

None
None
None
None

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04202655-MXC10-P-1-052318 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Transaction Fees
- Balance Transfer Fee - Visa Platinum,
Visa Platinum Share Secured
- Balance Transfer Fee - Earned
Rewards, Earned Premium Visa
Signature
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None

$5.00 or 3.00% of the amount of each balance transfer, whichever is greater

None
1.00% of each transaction in U.S. dollars
None

Up to $20.00
None
Up to $20.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

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, the Visa Platinum, Visa Platinum Share Secured, Earned Rewards and Earned Premium
Visa Signature are secured credit cards. Credit extended under this credit card account is secured by various
personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any
shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you
have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement
Account or in any other account that would lose special tax treatment under state or federal law, and (d)
collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the
foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the
Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be
secured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be
deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower;
or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:
Late Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a
payment.

Balance Transfer Fee (Finance Charge) - Earned Rewards, Earned Premium Visa Signature:
$5.00 or 3.00% of the amount of each balance transfer, whichever is greater.

Returned Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$5.00.

Document Copy Fee:
None.

Pay-by-Phone Fee:
$5.00.

PIN Replacement Fee:
None.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04202655-MXC10-P-1-052318 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Rush Fee:
$35.00 second day. $55.00 overnight.

Statement Copy Fee:
$2.00.

Unreturned Card Fee:
None.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04202655-MXC10-P-1-052318 (MXC101-E)