�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00101679-MXC10-C-1-060321 (MXC102-E)APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesSmart Rewards Visa
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Platinum Visa- Variable
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Platinum Mastercard- Variable
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Secured Visa
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
MAX Signature Visa Rewards
 to ,when you open your account, 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 00101679-MXC10-C-1-060321 (MXC102-E)APR for Balance Transfers Smart Rewards Visa
Introductory APR  forsixmonths  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.
Platinum Visa- Variable
 Introductory APR  forsixmonths  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.
Platinum Mastercard- Variable
 Introductory APR  forsixmonths  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.
Secured Visa
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
MAX Signature Visa Rewards
 to ,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 Smart Rewards Visa
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Platinum Visa- Variable
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Platinum Mastercard- Variable
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Secured Visa
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
MAX Signature Visa Rewards
to ,when you open your account, based on your
creditworthiness.  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.
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00101679-MXC10-C-1-060321 (MXC102-E)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 None
-Foreign Transaction Fee 1.00%  of each 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 $29.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period forIntroductory APR -Smart Rewards Visa, Platinum Visa- Variable, Platinum Mastercard-
Variable :
The Introductory APR forbalance transfers willapply totransactions posted toyour account during thefirst60days
following theopening ofyour account. Any existing balances onMAX 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.
For California Borrowers, theSmart Rewards Visa, Platinum Visa- Variable, Platinum Mastercard- Variable,
Secured Visa and MAX Signature Visa Rewards aresecured credit cards. Credit extended under this credit card
account issecured byvarious personal property and money including, butnotlimited to:(a)any goods you
purchase with this account, (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 orinanyother account that would lose special taxtreatment under
state or federal law, and (d) collateral securing other loans you have with the Cr edit Union excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee :
5.00% oftheamount oftherequired minimum payment, ifyouareoneormore days lateinmaking apayment. However,
the fee will never be less then $0.50, and will not exceed $25.00 .
Returned Payment Fee :
$29.00 or the amount of the required minimum payment, whichever is less.
Pay-by-Phone Fee :
$5.00 .
Rush Fee :
$5.00 .
Statement Copy Fee :
$2.00  per document .
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorpor ated.