�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 02101376-MXC10-P-1-031519 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesPlatinum Elite Visa
, , , or ,
when you open your account, based on your creditworthiness.  This APR will
vary with the market based on the Prime Rate.
Platinum Elite Rewards Visa
, , , or ,
when you open your account, based on your creditworthiness.  This APR will
vary with the market based on the Prime Rate.
Secured Classic Visa
This APR will vary  with the market based on the Prime Rate .
APR for Balance Transfers Platinum Elite Visa
, , , or ,when you open your
account, based on your creditworthiness.  This APR will vary with the market
based on the Prime Rate.
Platinum Elite Rewards Visa
, , , or ,when you open your
account, based on your creditworthiness.  This APR will vary with the market
based on the Prime Rate.
Secured Classic Visa
This APR will vary  with the market based on the Prime Rate .
APR for Cash Advances Platinum Elite Visa
, , , or ,when you open your
account, based on your creditworthiness.  This APR will vary with the market
based on the Prime Rate.
Platinum Elite Rewards Visa
, , , or ,when you open your
account, based on your creditworthiness.  This APR will vary with the market
based on the Prime Rate.
Secured Classic Visa
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 02101376-MXC10-P-1-031519 (MXC101-E)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
Transaction Fees
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $35.00
- Returned Payment Fee Up to $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
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, thePlatinum Elite Visa, Platinum Elite Rewards Visa and Secured Classic Visa are
secured credit cards. Credit extended under thiscredit card account issecured byvarious personal property and
money including, but not limited 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 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. Notwithstanding theforegoing, you acknowledge and
agree that during anyperiods whenyou areacovered borrower under theMilitary Lending Actyour credit card
willbesecured byanyspecific Pledge ofShares you grant usbutwillnotbesecured byallshares you have in
anyindividual orjoint account with theCredit Union. Forclarity, youwillnotbedeemed acovered borrower if:(i)
you establish your credit card account when you arenotacovered borrower; or(ii)you cease tobeacovered
borrower.
Other Fees & Disclosures:
Late Payment Fee :
$25.00 ortheamount oftherequired minimum payment, whichever isless, ifyouareoneormore days lateinmaking a
payment. Intheevent youfailtomake apayment ontime inanyofthesixbilling cycles following theinitial violation, you
will be charged $35.00  or the amount of the required minimum payment, whichever is less.
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less.
Sales Draft Copy Fee :
$5.00 per copy .
Card Personalization Fee :
$5.00 per card .
Rush Fee :
$30.00 per card .
Statement Copy Fee :
$2.00 per statement .