APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum

 Introductory APR for a period of 12 billing cycles.

After that, your APR will be

,

,

or

, based on your creditworthiness.

Visa Platinum Rewards

 Introductory APR for a period of 12 billing cycles.

After that, your APR will be

,

,

,

,

will vary with the market based on the Prime Rate.

, based on your creditworthiness. This APR

Visa Signature

 Introductory APR for a period of 12 billing cycles.

After that, your APR will be

,

,

,

, based on your creditworthiness. This APR

will vary with the market based on the Prime Rate.

or

or

APR for Balance Transfers

Visa Platinum

 Introductory APR for a period of 12 billing cycles.

After that, your APR will be
based on your creditworthiness.

,

,

,

or

,

Visa Platinum Rewards

 Introductory APR for a period of 12 billing cycles.

,
After that, your APR will be
based on your creditworthiness. This APR will vary with the market based on
the Prime Rate.

or

,

,

,

Visa Signature

 Introductory APR for a period of 12 billing cycles.

After that, your APR will be
,
based on your creditworthiness. This APR will vary with the market based on
the Prime Rate.

or

,

,

,

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00910226-MXC10-P-2-071117 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

VISA PLATINUM/VISA PLATINUM REWARDS/VISA SIGNATURE1.99%9.74%11.99%14.40%14.49%14.89%1.99%10.74%11.74%12.74%15.74%17.74%1.99%11.74%12.74%15.74%16.74%17.74%1.99%9.74%11.99%14.40%14.49%14.89%1.99%10.74%11.74%12.74%15.74%17.74%1.99%11.74%12.74%15.74%16.74%17.74%APR for Cash Advances

Visa Platinum
,
creditworthiness.

,

Visa Platinum Rewards

,

or

, based on your

,

or
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

Visa Signature
,

or
account, based on your creditworthiness. This APR will vary with the market
based on the Prime Rate.

, when you open your

,

,

Penalty APR and When it Applies

Visa Platinum

Visa Platinum Rewards

Visa Signature

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.

How to Avoid Paying Interest on
Purchases

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.

Fees
Annual Fee
- Annual Fee - Visa Platinum, Visa
Platinum Rewards
- Annual Fee - Visa Signature

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee - Visa Platinum, Visa
Platinum Rewards
- Cash Advance Fee - Visa Signature

- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None

$75.00

None
$5.00 or 2.00% of the amount of each cash advance, whichever is greater
(Maximum Fee: $500.00)
$10.00 or 3.00% of the amount of each cash advance, whichever is greater
(Maximum Fee: $500.00)
1.00% of each transaction in U.S. dollars

Up to $25.00
None
Up to $25.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00910226-MXC10-P-2-071117 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

9.74%11.99%14.40%14.49%14.89%10.74%11.74%12.74%15.74%17.74%11.74%12.74%15.74%16.74%17.74%17.90%17.90%17.90%Promotional Period for Introductory APR:
The Introductory APR for purchases and balance transfers will apply to transactions posted to your account from
10/01/2017 until 12/31/2017. Any existing balances on 121 Financial Credit Union loan or credit card accounts are not
eligible for the Introductory APR for balance transfers.

Loss of Introductory APR:
We may end your Introductory APR for purchases and balance transfers and apply the Penalty APR if you are 60 days
late in making a payment.

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 Rewards and 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:
$25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a
payment.

Annual Fee - Visa Signature:
$75.00.

Cash Advance Fee (Finance Charge) - Visa Platinum, Visa Platinum Rewards:
$5.00 or 2.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $500.00.

Cash Advance Fee (Finance Charge) - Visa Signature:
$10.00 or 3.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $500.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee:
$27.00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee:
$10.00.

Document Copy Fee:
$2.00 per document.

Pay-by-Phone Fee:
$5.00.

Rush Fee:
$50.00 second day.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00910226-MXC10-P-2-071117 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

July 1, 2017Statement Copy Fee:
$5.00 per page.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00910226-MXC10-P-2-071117 (MXC101-E)