� CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03700712-MXC10-P-2-121621 (MXC102-E)APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesPlatinum Awards
 Introductory APR for 12months from account opening.
After that,  your APR will be  to ,based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Traditional
 Introductory APR for 12months  from account opening.
After that,  your APR will be  to ,based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
APR for Balance Transfers Platinum Awards
 to ,when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Traditional
 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 Platinum Awards
to ,when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Traditional
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.
SEE NEXT PAGE for more important information about your account.
PLATINUM AWARDS/TRADITIONAL RATE
0.00%
7.95%
12.95%
0.00%
6.95%
17.95%
7.95%
12.95%
6.95%
17.95%
7.95%
12.95%
6.95%
17.95% � CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03700712-MXC10-P-2-121621 (MXC102-E)Fees
Set-up and Maintenance Fees
- Annual Fee None
-Account Set-up Fee None
-Program Fee None
-Participation Fee None
- Additional Card Fee None
- Application Fee None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
- Transaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $27.00
- Returned Payment Fee Up to $10.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR:
TheIntroductory APR forpurchases willapply totransactions posted toyour account during thefirst12months following
the opening of your account.
Loss of Introductory APR:
We may end your Introductory APR for purchases  and apply the prevailing non-introductory 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.
ForCalifornia Borrowers, thePlatinum Awards and Traditional 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.
Other Fees & Disclosures:
Late Payment Fee:
$27.00 ortheamount oftherequired minimum payment, whichever isless, ifyouareoneormore days lateinmaking a
payment.
Returned Payment Fee:
$10.00  or the amount of the required minimum payment, whichever is less.
November 1, 2019