�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01402665-MXC10AXX00-C-1-091621 (MXC102-E)APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesSMART Card
 Introductory APR  for a period of  billing cycles.
After that ,your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
UNlimited Cash
 Introductory APR  for a period of  billing cycles.
After that ,your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Priority Plus
 Introductory APR  for a period of  billing cycles.
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 SMART Card
 Introductory APR  for a period of  billing cycles .
After that,  your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
UNlimited Cash
 Introductory APR  for a period of  billing cycles .
After that,  your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Priority Plus
 Introductory APR  for a period of  billing cycles .
After that,  your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01402665-MXC10AXX00-C-1-091621 (MXC102-E)APR for Cash Advances SMART Card
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
UNlimited Cash
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Priority Plus
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
- Balance Transfer Fee None
- Cash Advance Fee $5.00  or3.00%  of the amount of each cash advance, whichever is greater
-Foreign Transaction Fee -SMART Card,
UNlimited Cash1.00%  of each transaction in U.S. dollars
-Foreign Transaction Fee -Priority Plus None
- Tra nsaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $29.00
- Returned Payment Fee Up to $29.00
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 andbalance transfers willapply totransactions posted toyour account during thefirst
following theopening ofyour account. Any existing balances onloan orcredit card accounts are
not eligible for the Introductory APR for balance transfers.
Loss of Introductory APR :
We may end your Introductory APR for purchases and balance transfers  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, theSMART Card, UNlimited Cash and Priority Plus aresecured credit cards. Credit
extended under this credit card account issecured byvarious personal property and money including, butnot
limited to:(a)anygoods you purchase with this account, (b)anyshares you specifically pledge ascollateral for
this account onaseparate Pledge ofShares, (c)allshares you have inany individual orjoint account with the
Credit Union excluding shares inanIndividual Retirement Account orinany other account that would lose
special taxtreatment under state orfederal law, and (d)collateral securing other loans you have with theCredit
Union excluding dwellings.
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01402665-MXC10AXX00-C-1-091621 (MXC102-E)Other Fees & Disclosures:
Late Payment Fee :
$29.00 ortheamount oftherequired minimum payment, whichever isless, ifyouarefiveormore days lateinmaking a
payment.
Cash Advance Fee (Finance Charge) :
$5.00  or3.00%  of the amount of each cash advance, whichever is greater.
Returned Payment Fee :
$29.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee :
$5.00 .
Emergency Card Replacement Fee :
None .
Rush Fee :
$30.00 .
Statement Copy Fee :
$5.00 .
SEE NEXT PAGE for more important information about your account.