�CUNA Mutual Group 2009, 10, 12 All Rights Reserved DSCEC1 (MXC402 CCM002)-e  SEE BACK OF PAGE for more important information about your account.  
F1  APPLICATION AND SOLICITATION DISCLOSURE
 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases Visa Classic 
F2             Introductory APR for a period of six (6) billing cycles.  After that your APR will be 
F3             to F4             based on your creditworthiness. This APR will vary with the market based on the Prime Rate.  Visa Secured 
F5             to F6             when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
APR for Balance Transfers Visa Classic F7             Introductory APR for a period of six (6) billing cycles.  After that your APR will be F8             to F9             based on your creditworthiness. This APR will vary with the market based on the Prime Rate.  Visa Secured F10           to F11           when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
APR for Cash Advances Visa Classic F12           Introductory APR for a period of six (6) billing cycles.  After that your APR will be F13           to F14           based on your creditworthiness. This APR will vary with the market based on the Prime Rate.  Visa Secured F15           to F16           when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 
Penalty APR and When it Applies Visa Classic F17           Visa Secured F18           
How to Avoid Paying Interest on Purchases 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.  
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. 
    DSCEC1 (MXC402 CCM002)-e  Fees 
Transaction Fees  
- Balance Transfer Fee F19           
- Cash Advance Fee F20           
- Foreign Transaction Fee F21           of each multiple currency transaction in U.S. dollars 
 F22           of each single currency transaction in U.S. dollars 
- Transaction Fee for Purchases F23           
Penalty Fees  
- Late Payment Fee Up to F24            
- Over-the-Credit Limit Fee F25           
- Returned Payment Fee Up to F26           
 How We Will Calculate Your Balance. We use a method called �average daily balance (including new purchases).�  Loss of Introductory APR. We may end your Introductory APR if you fail to pay the minimum required payment by the payment due date shown on your statement. With the loss of  your Introductory APR, the prevailing non-introductory APR will apply. Effective Date.  The information about the costs of the card desc ribed in this application is accurate as of F27            This information may have changed after that date. To find out what may have changed, contact the Credit Union. OTHER DISCLOSURES Late Payment Fee F28           or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment. Returned Payment Fee F29           or the amount of the required minimum payment, whichever is less. Statement Copy Fee F30           First one free Document Copy Fee F31           Rush Fee F32           Emergency Card Replacement Fee F33           PIN Replacement Fee F34           Card Replacement Fee F35