©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved16300736-MXC10-C-1-050621 (MXC102-E)APPLICATIONANDSOLICITATIONDISCLOSUREInterest Rates and Interest ChargesAnnual Percentage Rate (APR) forPurchasesVisa PlatinumThis APR will vary with the market based on thePrime Rate.Visa Signature to,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.APR for Balance TransfersVisa PlatinumIntroductory APR for12months from account opening.After that, your APR will be. This APR will vary with the marketbased on the Prime Rate.Visa Signature Introductory APR for12months from account opening.After that, your APR will be to,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.APR for Cash AdvancesVisa PlatinumThis APR will vary with the market based on thePrime Rate.Visa Signatureto,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.How to Avoid Paying Interest onPurchasesYour due date is at least25 days after the close of each billing cycle. We willnot charge you any interest on purchases if you pay your entire balance bythe due date each month.For Credit Card Tips from theConsumer Financial Protection BureauTo learn more about factors to consider when applying for or using acredit card, visit the website of the Consumer Financial ProtectionBureau at http://www.consumerfinance.gov/learnmore.FeesAnnual Fee- Annual FeeNoneTransaction Fees- Balance Transfer FeeNone- Cash Advance FeeNone-Foreign Transaction FeeNoneSEE NEXT PAGE for more important information about your account.©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved16300736-MXC10-C-1-050621 (MXC102-E)Penalty Fees- Late Payment FeeUp to$25.00- Returned Payment FeeUp to$25.00How We Will Calculate Your Balance:We use a method called"average daily balance (including new purchases)."Promotional Period for Introductory APR:TheIntroductoryAPRforbalancetransferswillapplytotransactionspostedtoyouraccountduringthefirst90daysfollowingtheopeningofyouraccount.AnyexistingbalancesonHFSFederalCreditUnionloanorcreditcardaccountsare not 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.ForCaliforniaBorrowers,theVisaPlatinumandVisaSignaturearesecuredcreditcards.Creditextendedunderthiscreditcardaccountissecuredbyvariouspersonalpropertyandmoneyincluding,butnotlimitedto:(a)anygoodsyoupurchasewiththisaccount,(b)anysharesyouspecificallypledgeascollateralforthisaccountonaseparatePledgeofShares,(c)allsharesyouhaveinanyindividualorjointaccountwiththeCreditUnionexcludingsharesinanIndividualRetirementAccountorinanyotheraccountthatwouldlosespecialtaxtreatmentunderstateorfederallaw,and(d)collateralsecuringotherloansyouhavewiththeCreditUnionexcluding dwellings.Other Fees & Disclosures:Late Payment Fee:10.00%ofyourcurrentrequiredminimumpayment,ifyouare10ormoredayslateinmakingapayment.However,thefee will not exceed$25.00.Returned Payment Fee:$25.00or the amountofyour current required minimum payment, whichever is less.Emergency Card Replacement Fee:$100.00for requests originating and delivered inside the U.S.$165.00 for requests originating or delivered outside the U.S.Rush Fee:$80.00.Statement Copy Fee:$5.00per copy.Account Research Fee:$25.00per hour (minimum 1 hour).