©CUNA Mutual Group 2009, 10, 12 All Rights Reserved DNCHE4 (MXC402 CCM002)-e SEE BACK OF PAGE for more important information about your account.  F1  APPLICATION AND SOLICITATION DISCLOSURE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Visa Platinum F2           to F3           when you open your account, based on your creditworthiness.  Visa Secured F4              Visa Platinum Rewards F5           to F6           when you open your account, based on your creditworthiness. APR for Balance Transfers Visa Platinum F7           to F8           when you open your account, based on your creditworthiness.  Visa Secured F9              Visa Platinum Rewards F10         to F11         when you open your account, based on your creditworthiness. APR for Cash Advances Visa Platinum F12         to F13         when you open your account, based on your creditworthiness.  Visa Secured F14            Visa Platinum Rewards F15         to F16         when you open your account, based on your creditworthiness. 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 F17           Transaction Fees  - Balance Transfer Fee F18           - Cash Advance Fee F19           - Foreign Transaction Fee F20            DNCHE4 (MXC402 CCM00)-e   Penalty Fees  - Late Payment Fee Up to F21            - Over-the-Credit Limit Fee F22           - Returned Payment Fee Up to F23            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 F24            This information may have changed after that date. To find out what may have changed, contact the Credit Union. OTHER DISCLOSURES Late Payment Fee F25         or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment. Returned Payment Fee F26         or the amount of the required minimum payment, whichever is less. Lost or Stolen Card Replacement Fee F27           Visa Receipt Copy Fee F28