�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04802327-MXC10-C-2-092818 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Platinum
 to ,based on your creditworthiness.
Visa Signature
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
APR for Balance Transfers Visa Platinum
 to ,based on your creditworthiness.
Visa Signature
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
APR for Cash Advances Visa Platinum
to ,based on your creditworthiness.
Visa Signature
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
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
- Cash Advance Fee $3.00  or2.00%  of the amount of each cash advance, whichever is greater
-Foreign Transaction Fee None
Penalty Fees
- Late Payment Fee Up to $25.00
- Over-the-Credit Limit Fee None
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.
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04802327-MXC10-C-2-092818 (MXC101-E)ForCalifornia Borrowers, theVisa Platinum and Visa Signature aresecured credit cards. Credit extended under
this credit card account issecured byvarious personal property and money including, butnotlimited to:(a)any
goods you purchase with this account, (b)anyshares you specifically pledge ascollateral forthis account ona
separate 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 tax
treatment 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 any periods when
you areacovered borrower under theMilitary Lending Act your credit card will besecured byany specific
Pledge ofShares you grant usbutwillnotbesecured byallshares you have inany individual orjoint account
with theCredit Union. Forclarity, you willnotbedeemed acovered 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 10 or more days
late in making a payment.
Cash Advance Fee (Finance Charge) :$3.00  or2.00%  of the amount of each cash advance, whichever is greater.
Returned Convenience Check Fee :$26.00  or the amount of the returned convenience check, whichever is less.
Card Replacement Fee :$5.00 .
Document Copy Fee :$5.00 .
Rush Fee :$25.00 .
Statement Copy Fee :$5.00 .
Picture My Card Fee :$10.00 .