APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Rate Platinum

 to

Visa Reward Platinum

 to

, based on your creditworthiness.

, based on your creditworthiness.

MasterCard Reward Platinum
 to

, based on your creditworthiness.

APR for Balance Transfers

Visa Rate Platinum
 to

, based on your creditworthiness.

Visa Reward Platinum

 to

, based on your creditworthiness.

MasterCard Reward Platinum

APR for Cash Advances

 to
Visa Rate Platinum
to

, based on your creditworthiness.

, based on your creditworthiness.

Visa Reward Platinum

to

, based on your creditworthiness.

MasterCard Reward Platinum

to

, based on your creditworthiness.

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.

Fees
Annual Fee
- Annual Fee

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee - Visa Rate
Platinum, Visa Reward Platinum
- Foreign Transaction Fee - MasterCard
Reward Platinum

None

None
None
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
1.00% of each transaction in U.S. dollars completed outside the U.S.
1.00% of each transaction in U.S. dollars completed in a foreign currency

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04502957-MXC10-P-1-073117 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Up to $25.00
Up to $25.00

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:
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Rate Platinum, Visa Reward Platinum and MasterCard Reward Platinum 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. Notwithstanding the foregoing, you acknowledge and
agree that during any periods when you are a covered borrower under the 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 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.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are three 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:
$5.00.

Rush Fee:
$25.00.

Statement Copy Fee:
$5.00.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04502957-MXC10-P-1-073117 (MXC101-E)