©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved10400483-MXC10-C-1-111620 (MXC101-E)APPLICATIONANDSOLICITATIONDISCLOSUREInterest Rates and Interest ChargesAnnual Percentage Rate (APR) forPurchasesVisa Platinum to,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Rewards to,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.APR for Balance TransfersVisa Platinum to,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Rewards to,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.APR for Cash AdvancesVisa Platinumto,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Rewardsto,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Penalty APR and When it AppliesVisa Platinumto,when you open your account,based on yourcreditworthiness.This APR will vary with the market based on the Prime Rate.Visa Rewardsto,when you open your account,based on yourcreditworthiness.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?Ifyour APRs are increased forthis reason, the Penalty APR will apply until you makesix consecutiveminimum payments when due.SEE NEXT PAGE for more important information about your account.©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved10400483-MXC10-C-1-111620 (MXC101-E)How to Avoid Paying Interest onPurchasesYour due date is at least23 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.FeesTransaction Fees- Balance Transfer Fee$5.00 or2.00% of the amount of each balance transfer, whichever is greater- Cash Advance Fee$5.00 or2.00% of the amount of each cash advance, whichever is greater-Foreign Transaction Fee2.00% of each transaction in U.S. dollarsPenalty Fees- Late Payment FeeUp to$10.00- Returned Payment FeeUp to$29.00How We Will Calculate Your Balance:We use a method called"average daily balance (excluding new purchases) (including new balance transfers and cashadvances)."Application of Penalty APR:Your APR may be increased to the disclosed Penalty APR if you are60 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.ForCaliforniaBorrowers,theVisaPlatinumandVisaRewardsaresecuredcreditcards.Creditextendedunderthiscreditcardaccountissecuredbyvariouspersonalpropertyandmoneyincluding,butnotlimitedto:(a)anygoodsyoupurchasewiththisaccount,(b)anysharesyouspecificallypledgeascollateralforthisaccountonaseparatePledgeofShares,(c)allsharesyouhaveinanyindividualorjointaccountwiththeCreditUnionexcludingsharesinanIndividualRetirementAccountorinanyotheraccountthatwouldlosespecialtaxtreatmentunderstateorfederallaw,and(d)collateralsecuringotherloansyouhavewiththeCreditUnionexcludingdwellings.Notwithstandingtheforegoing,youacknowledgeandagreethatduringanyperiodswhenyouareacoveredborrowerundertheMilitaryLendingActyourcreditcardwillbesecuredbyanyspecificPledgeofSharesyougrantusbutwillnotbesecuredbyallsharesyouhaveinanyindividualorjointaccountwiththeCreditUnion.Forclarity,youwillnotbedeemedacoveredborrowerif:(i)youestablishyourcreditcardaccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.Other Fees & Disclosures:Late Payment Fee:$10.00ortheamountoftherequiredminimumpayment,whicheverisless,ifyouare11ormoredayslateinmakingapayment.Balance Transfer Fee (Finance Charge):$5.00 or2.00% of the amount of each balance transfer, whichever is greater.Cash Advance Fee (Finance Charge):$5.00 or2.00% of the amount of each cash advance, whichever is greater.Returned Payment Fee:$29.00or the amount of the required minimum payment, whichever is less.