� CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01214565-MXC10-C-2-012122 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Platinum
 Introductory APR for 365days from account opening.
After that,  your APR will be  to ,based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Platinum Rewards
 Introductory APR for 365days  from account opening.
After that,  your APR will be  to ,based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards
 Introductory APR for 365days  from account opening.
After that,  your APR will be  to ,based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Cash Rebate
 Introductory APR for 365days  from account opening.
After that,  your APR will be  to ,based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
SEE NEXT PAGE for more important information about your account. � CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01214565-MXC10-C-2-012122 (MXC102-E)APR for Balance Transfers Visa Platinum
Introductory APR  for365days  from account opening.
After that,  your APR will be  to ,based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Platinum Rewards
Introductory APR  for365days  from account opening.
After that,  your APR will be  to ,based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards
Introductory APR  for365days  from account opening.
After that,  your APR will be  to ,based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Cash Rebate
Introductory APR  for365days  from account opening.
After that,  your APR will be  to ,based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
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 Rewards
to ,when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards
to ,when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Signature Cash Rebate
to ,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
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
SEE NEXT PAGE for more important information about your account. � CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01214565-MXC10-C-2-012122 (MXC102-E)Transaction Fees
- Balance Transfer Fee $5.00  or3.00%  of the amount of each balance transfer, whichever is greater
- Cash Advance Fee $5.00  or5.00%  of the amount of each cash advance, whichever is greater
-Foreign Transaction Fee 1.00%  of each multiple currency transaction in U.S. dollars
0.80%  of each single currency transaction in U.S. dollars
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)."
Introductory APR: Anyexisting balances onConsumers Cooperative Credit Union loan orcredit card accounts arenot
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.
ForCalifornia Borrowers, theVisa Platinum, Visa Platinum Rewards, Visa Signature Rewards and Visa Signature
Cash Rebate aresecured credit cards. Credit extended under this credit card account issecured byvarious
personal property andmoney including, butnotlimited to:(a)anygoods youpurchase with thisaccount, (b)any
shares you specifically pledge ascollateral forthis account onaseparate Pledge ofShares, (c)allshares you
have inany individual orjoint account with theCredit Union excluding shares inanIndividual Retirement
Account orinany other account that would lose special tax treatment under state orfederal law, and
(d)collateral securing other loans you have with the Credit Union excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee:
$25.00 ortheamount oftherequired minimum payment, whichever isless, ifyouaresixormore days lateinmaking a
payment.
Balance Transfer Fee (Finance Charge):
$5.00  or3.00%  of the amount of each balance transfer, whichever is greater.
Cash Advance Fee (Finance Charge):
$5.00  or5.00%  of the amount of each cash advance, whichever is greater.
Returned Payment Fee:
$25.00  or the amount of the required minimum payment, whichever is less.
Statement Copy Fee:
$10.00.
Copy of Visa Draft:
$10.00.
Returned Visa Statement:
$2.00.