STATE LAW NOTICE(S) STATE LAW NOTICE(S)
 Notice to Nebraska Residents: A credit agreement must be in writing to be enforceable under Nebraska law. To protect you and us from any
 Notice to Nebraska Residents: A credit agreement must be in writing to be enforceable under Nebraska law. To protect you and us from any 
 misunderstandings or disappointments, any contract, promise, undertaking, or offer to forebear repayment of money or to make any other financial
 misunderstandings or disappointments, any contract, promise, undertaking, or offer to forebear repayment of money or to make any other financial  APPLICATION AND
 accommodation in connection with this loan of money or grant or extension of credit, or any amendment of, cancellation of, waiver of, or substitution for
 accommodation in connection with this loan of money or grant or extension of credit, or any amendment of, cancellation of, waiver of, or substitution for 
 any or all of the terms or provisions of any instrument or document executed in connection with this loan of money or grant or extension of credit, must
 any or all of the terms or provisions of any instrument or document executed in connection with this loan of money or grant or extension of credit, must  SOLICITATION
 be in writing to be effective.
 be in writing to be effective.                        DISCLOSURE
 Notice to New York Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing
 Notice to New York Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing
 of credit card rates, fees, and grace periods. New York State Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov.
 of credit card rates, fees, and grace periods. New York State Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov. VISA PLATINUM
 Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers,
 Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers,
 and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers
 and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers
 compliance with this law.
 compliance with this law. Interest Rates and Interest Charges
 Notice to Wisconsin Residents: (1) No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under
 Notice to Wisconsin Residents: (1) No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under
 Section 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, or Annual Percentage Rate (APR) for 
 Section 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, or
 has actual knowledge of its terms, before the credit is granted or the account is opened. (2) Please sign if you are not applying for this account or loan Purchases 9.50%, 12.50% or 16.50%, when you open your account, based on your
 has actual knowledge of its terms, before the credit is granted or the account is opened. (2) Please sign if you are not applying for this account or loan
 with your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.
 with your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.
 Signature for Wisconsin Residents Only Date
 Signature for Wisconsin Residents Only Date
      APR for Balance Transfers   12.50%, 16.50% or 18.00%, when you open your account, based on your 
                                  creditworthiness. This APR will vary with the market based on the Prime Rate. 
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      APR for Cash Advances       12.50%, 16.50% or 18.00%, when you open your account, based on your 
                                  creditworthiness. This APR will vary with the market based on the Prime Rate.
 CONSENSUAL SECURITY INTEREST
 CONSENSUAL SECURITY INTEREST
 You grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure
 You grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure  Penalty APR and When it Applies 18.00% 
 your credit card account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law
 your credit card account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law
 if given as security are not subject to the security interest you have given in your shares and deposits. You may withdraw these other shares This APR may be applied to your account if you:
 if given as security are not subject to the security interest you have given in your shares and deposits. You may withdraw these other shares
 unless you are in default. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. For example,
 unless you are in default. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. For example, 
 if you have an unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance. - Make a late payment
 if you have an unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance. - Make a payment that is returned
 By signing or otherwise authenticating below, you are affirmatively agreeing that you are aware that granting a security interest is a condition
 By signing or otherwise authenticating below, you are affirmatively agreeing that you are aware that granting a security interest is a condition
 for the credit card and you intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the
 for the credit card and you intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any 
 periods when you are a covered borrower under the Military Lending Act. For clarity, you will not be dee med a covered borrower, and your
 periods when you are a covered borrower under the Military Lending Act. For clarity, you will not be deemed a covered borrower, and your  Penalty APR will apply until you make six (6) consecutive minimum payments when due. 
 pledge will apply, if: (i) you become obligated on a credit transaction or establish an account for credit when you are not a covered borrower;
 pledge will apply, if: (i) you become obligated on a credit transaction or establish an account for credit when you are not a covered borrower; 
 or (ii) you cease to be a covered borrower.
 or (ii) you cease to be a covered borrower. How to Avoid Paying Interest on  Your due date is at least 25 days after the close of each billing cycle. We will not charge you
 Security Interest Acknowledgement and Agreement Date Security Interest Acknowledgement and Agreement Date Purchases any interest on purchases if you pay your entire balance by the due date each month.
 Security Interest Acknowledgement and Agreement Date Security Interest Acknowledgement and Agreement Date
      For Credit Card Tips from the Consumer To learn more about factors to consider when applying for or using a credit
 X (Seal) X (Seal) Financial Protection Bureau card, visit the website of the Consumer Financial Protection Bureau at
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                                  http://www.consumerfinance.gov/learnmore.
 SIGNATURES
 SIGNATURES Fees
 By signing or otherwise authenticating below:
 By signing or otherwise authenticating below:
 1. You promise that everything you have stated in this application is correct to the best of your knowledge, and that the above information is a Transaction Fees 3.00% of each transaction in U.S. dollars
 complete listing of what you owe. If there are any important changes you will notify us in writing immediately. You authorize the Credit Union to
 1. You promise that everything you have stated - Foreign Transaction Fee
 obtain credit reports in connection with this application in this application for credit is correct to the and for any update, best of your increase, knowledge, and renewal, extension, that the or above information collection of the credit is a
 complete listing received. You of what you understand that owe. If there the Credit are Union any important changes you will rely on the information will in notify us in writing this application and immediately. You your credit report to make its authorize the Credit Union to decision. If you
 obtain credit reports in connection with this application Penalty Fees
 request, the Credit Union will tell you the name and address for credit and of any credit for any update, increase, renewal, extension, or collection bureau from which it received a credit report on you. It of the is a crime credit to
 received. You understand willfully and deliberately provide incomplete or incorrect information in this application. that the Credit Union will rely on the information in this application and your credit report to make its decision. If you - Late Payment Fee Up to $27.00
 request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a crime to
 2. If you are applying for a credit card, you understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms - Returned Payment Fee Up to $27.00
 willfully and deliberately provide incomplete or incorrect information in this application.
 of the Consumer Credit Card Agreement and Disclosure.
 2. If you are applying for a credit card, you understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms
 Applicant�s Signature of the Consumer Credit Card Agreement and Disclosure. Date Other Signature Date How We Will Calculate Your Balance:
 3. I/We agree it is my/our responsibility to ensure on-time payments are made to any Third Parties listed above.  Any late fees assessed and/or  We use a method called "average daily balance (including new purchases)."
 additional interest accrued by the Third Parties will not be the responsibility of or paid by Financial Plus Credit Union.
      Application of Penalty APR:
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 Applicant�s Signature Date Other Signature Date Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment or make a payment that is returned.  If your APRs 
      are increased for this reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.
 CREDIT UNION USE ONLY
 X DATE APPROVED APPROVED SIGNATURE (Seal) LINE OF CREDIT X OTHER OTHER DEBT RATIO/SCORE (Seal) Effective Date:
 LIMITS: $ $ $ $ The information about the costs of the card described in this application is accurate as of: January 1, 2019. This information may have changed after 
 DECLINED BEFORE AFTER
      that date. To find out what may have changed, contact the Credit Union.
 CREDIT UNION USE ONLY (Adverse Action Notice Sent)
 DATE LOAN OFFICER COMMENTS: APPROVED APPROVED  SIGNATURE LINE OF CREDIT OTHER OTHER DEBT RATIO/SCORE For California Borrowers, the VISA Platinum  is a secured credit card. Credit extended under this credit card account is secured by 
 LIMITS: $ $ $ $ various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares 
 BEFORE AFTER
 Credit Committee or Loan Officer Signatures DECLINED
      you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual o r joint 
 (Adverse Action Notice Sent)
 Date Date account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special 
 LOAN OFFICER COMMENTS: 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 
 Credit Committee or Loan Officer Signatures
      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 
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      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.  
 X (Seal) X (Seal) Other Fees & Disclosures: 
      Up to $27.00 or the amount of the required minimum payment, whichever is less, 
 *    if your payment has not been received by the third calendar day of the month  
                                                        $7.00. 
 APPLY TODAY! * Returned Payment Fee: 
      Up to $27.00 or the amount of the required minimum payment, whichever is less.  d Replacement Fee: 
 APPLY TODAY! *See application for disclosures.
 *See application for disclosures.
      � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved     02105204-MXC10-C-1-062117 (MXC101-E)