APPLICATION AND
SOLICITATION
DISCLOSURE

, when you open your account, based on your

 to

creditworthiness. This APR will vary with the market based on the Prime
Rate.

 to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

This APR will vary with the market based on the Prime Rate.

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.

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.

$5.00 or 3.00% of the amount of each cash advance, whichever is greater
1.00% of each transaction in U.S. dollars

Up to $35.00
Up to $10.00

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

Penalty APR and When it Applies

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Transaction Fees
- Cash Advance Fee
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

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.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

03413076-MXC10-C-1-051117 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

For California Borrowers, the Visa Platinum Variable is a secured credit card. 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:
For balances of $250.00 or less, you will be charged $15.00 or the amount of the required minimum payment, if you are
one (1) or more days late in making a payment.
In the event you fail to make a payment in any of the six (6) billing cycles
following the violation, you will be charged $25.00 or the amount of the required minimum payment. For balances of
$250.01 or greater, you will be charged $25.00 or the amount of the required minimum payment, if you are one (1) or
In the event you fail to make a payment in any of the six (6) billing cycles following
more days late in making a payment.
the violation, you will be charged $35.00 or the amount of the required minimum payment.
If your Account is subject to a
Late Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or
within the number of days of the statement Payment Due Date set forth on this Disclosure.

Cash Advance Fee (Finance Charge):
$5.00 or 3.00% of the amount of each cash advance, whichever is greater.

Returned Payment Fee:
$10.00 or the amount of the required minimum payment, whichever is less.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

03413076-MXC10-C-1-051117 (MXC101-E)