APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM/VISA CASHBACK
VISA SIGNATURE REWARDS

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Everyday

 Introductory APR for a period of 12 billing cycles.

APR for Balance Transfers

After that, your APR will be
creditworthiness.

Visa Cashback

 to

, based on your

 Introductory APR for a period of 12 billing cycles.

After that, your APR will be
creditworthiness.

Visa Signature Rewards

 or

, based on your

 Introductory APR for a period of 12 billing cycles.

After that, your APR will be
creditworthiness.

Everyday

 or

, based on your

 Introductory APR for a period of 12 billing cycles.

After that, your APR will be
creditworthiness.

 to

, based on your

Visa Cashback

 Introductory APR for a period of 12 billing cycles.

After that, your APR will be
creditworthiness.

Visa Signature Rewards

or

, based on your

 Introductory APR for a period of 12 billing cycles.

After that, your APR will be
creditworthiness.

or

, based on your

APR for Cash Advances

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Your 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.

To 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.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04500386-MXC10-C-2-043021 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

Fees
Annual Fee
- Annual Fee

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee - Everyday,
Visa Cashback
- Foreign Transaction Fee - Visa
Signature Rewards
- Transaction Fee for Purchases
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None

None
None
1.00% of each transaction in U.S. dollars

None

None

Up to $25.00
None
Up to $25.00

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR: The Introductory APR for purchases and balance transfers will apply to
transactions posted to your account during the first 12 months following issuance of your card. Any existing balances on
Member One Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance
transfers.

Effective Date: The information about

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 costs of

the Credit Union.

For California Borrowers, the Everyday, Visa Cashback and Visa Signature Rewards are secured credit cards.
Credit extended under this credit card account is secured by various personal property and money including, but
not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral
for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the
Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose
special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit
Union excluding dwellings.

Other Fees & Disclosures:
Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if you are one or more
days late in making a payment.

Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee: $25.00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee: $10.00.

Rush Fee: $20.00.

Emergency Card Replacement Fee: $250.00.

Document Copy Fee: $20.00.

Pay-by-Phone Fee: $12.00.

Statement Copy Fee: $5.00.

Stop Payment on Convenience Check Fee: $25.00.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04500386-MXC10-C-2-043021 (MXC102-E)