VISA SIGNATURE

11.99%

22.99%

11.99%

22.99%

11.99%

22.99%

None

None

None
None
1.00%
0.80%

None

$35.00

$35.00

$25.00

$25.00

$10.00
$10.00
$10.00

November 1, 2013.

1

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved DILUP0 (MXC402 CCM002)    F1     APPLICATION AND SOLICITATION DISCLOSURE  Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases F2             to F3             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 F4             to F5             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 F6             to F7             when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies F8             How to Avoid Paying Interest on Purchases 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.  For Credit Card Tips from the Consumer Financial Protection Bureau 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. Fees Annual Fee  - Annual Fee F9             Transaction Fees  - Balance Transfer Fee  F10           - Cash Advance Fee F11           - Foreign Transaction Fee F12        of each multiple currency transaction in U.S. dollars  F13        of each single currency transaction in U.S. dollars Penalty Fees  - Late Payment Fee Up to F14            - Over-the-Credit Limit Fee F15           - Returned Payment Fee Up to F16           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  F17            This information may have changed after that date. To find out what may have changed, contact the Credit Union. OTHER DISCLOSURES Late Payment Fee F18        or the amount of the required minimum payment, whichever is less, if you are six (6) or more days late in making a payment. In the event you fail to make a payment on time in any of the six (6) billing cycles following the initial violation, you will be charged F19           or the amount of the required minimum payment, whichever is less. Returned Payment Fee F20        or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same or in any of the six (6) billing cycles following the initial violation, you will be charged F21           or the amount of the required minimum payment, whichever is less. Statement Copy Fee F22           Rush Fee F23           Card Replacement Fee F24