�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04500386-MXC10-C-2-043021 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
VISA PLATINUM/VISA CASHBACK
VISA SIGNATURE REWARDS
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesEveryday
 Introductory APR  for a period of 12 billing cycles.
After that ,your APR will be  to ,based on your
creditworthiness.
Visa Cashback
 Introductory APR  for a period of 12 billing cycles.
After that ,your APR will be  or ,based on your
creditworthiness.
Visa Signature Rewards
 Introductory APR  for a period of 12 billing cycles.
After that ,your APR will be  or ,based on your
creditworthiness.
APR for Balance Transfers Everyday
 Introductory APR  for a period of 12 billing cycles .
After that,  your APR will be  to ,based on your
creditworthiness.
Visa Cashback
 Introductory APR  for a period of 12 billing cycles .
After that,  your APR will be or ,based on your
creditworthiness.
Visa Signature Rewards
 Introductory APR  for a period of 12 billing cycles .
After that,  your APR will be or ,based on your
creditworthiness.
APR for Cash Advances
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.
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04500386-MXC10-C-2-043021 (MXC102-E)Fees
Annual Fee
- Annual Fee None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
-Foreign Transaction Fee -Everyday,
Visa Cashback1.00%  of each transaction in U.S. dollars
-Foreign Transaction Fee -Visa
Signature RewardsNone
- Tra nsaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $25.00
- 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)."
Promotional Period forIntroductory APR :The Introductory APR forpurchases and balance transfers willapply to
transactions posted toyour account during thefirst12months following issuance ofyour card. Anyexisting balances on
Member One Federal Credit Union loan orcredit card accounts arenoteligible fortheIntroductory APR forbalance
transfers.
Effective Date: The information about the costs ofthe card described inthis application isaccurate asof:
.This information may have changed after thatdate. Tofindoutwhat may have changed, contact
the Credit Union.
ForCalifornia Borrowers, theEveryday, Visa Cashback and Visa Signature Rewards aresecured credit cards.
Credit extended under thiscredit card account issecured byvarious personal property andmoney including, but
notlimited to:(a)anygoods you purchase with this account, (b)anyshares you specifically pledge ascollateral
forthisaccount onaseparate Pledge ofShares, (c)allshares youhave inanyindividual orjoint account with the
Credit Union excluding shares inanIndividual Retirement Account orinany other account that would lose
special taxtreatment under state orfederal law, and (d)collateral securing other loans you have with theCredit
Union excluding dwellings .
Other Fees & Disclosures:
Late Payment Fee:$25.00 ortheamount oftherequired minimum payment, whichever isless, ifyouareoneormore
days late in making a payment.
Returned Payment Fee :$25.00 or the amount of the required minimum payment, whichever is less.
Returned Convenience Check Fee :$25.00  or the amount of the returned convenience check, whichever is less.
Card Replacement Fee :$10.00 .
Rush Fee: $20.00.
Emergency Card Replacement Fee: $250.00.
Document Copy Fee :$20.00 .
Pay-by-Phone Fee :$12.00 .
Statement Copy Fee :$5.00 .
Stop Payment on Convenience Check Fee :$25.00 .