� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03202928-MXC10-C-1-021622 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Platinum
 Introductory APR for from account opening.
After that, your APR will be  to , based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Platinum Rewards
 Introductory APR for from account opening.
After that, your APR will be  to , based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Secured
APR for Balance Transfers Visa Platinum
Introductory APR for from account opening.
After that, your APR will be  to , based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Platinum Rewards
Introductory APR for from account opening.
After that, your APR will be  to , based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Secured
SEE NEXT PAGE for more important information about your account.
09.900%17.950%
09.900%
twelve months 0.00%13.200%
13.200%twelve monthstwelve months0.00%VISA PLATINUM/VISA PLATINUM REWARDS/VISA 
PLATINUM SECURED
0.00%
0.00% twelve months07.900%
09.900%17.950%
09.900%07.900% � CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03202928-MXC10-C-1-021622 (MXC102-E)APR for Cash Advances Visa Platinum
to ,when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Visa Platinum Rewards
This APR will vary  with the market based on the Prime Rate.
Visa Secured
Penalty APR and When it Applies Visa Platinum
Visa Platinum Rewards
Visa Secured
This APR may be applied to your account if you:
- Make a late payment.
How Long Will the Penalty APR Apply? Ifyour APRs are increased for
this reason, the Penalty  APR will apply until you make six consecutive
minimum payment s when due.
How to Avoid Paying Interest on
PurchasesYour due date is at least 28 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 BureauTo 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 None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $25.00
- Returned Payment Fee Up to $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Loss of Introductory APR:
We may end your Introductory APR for purchases and balance transfers  and apply the Penalty APR if you are one day
late in making a payment.
Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you  are60 days late in making a payment .
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.
SEE NEXT PAGE for more important information about your account.
DocuSign Envelope ID: C7E452E6-9F4C-47B9-84F2-F8B148BAE210
15.200%
04/01/20229.90%
17.95%
17.95%15.200%
17.95%17.950% � CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03202928-MXC10-C-1-021622 (MXC102-E)ForCalifornia Borrowers, theVisa Platinum, Visa Platinum Rewards and Visa Secured aresecured credit cards.
Credit extended under thiscredit card account issecured byvarious personal property andmoney including, but
notlimited to:(a)anygoods you purchase with this account, (b)anyshares you specifically pledge ascollateral
forthisaccount onaseparate Pledge ofShares, (c)allshares youhave inanyindividual orjoint account with the
Credit Union excluding shares inanIndividual Retirement Account orinany other account that would lose
special taxtreatment under state orfederal law, and (d)collateral securing other loans you have with theCredit
Union excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee:
$25.00 ortheamount oftherequired minimum payment, whichever isless, ifyouaresixormore days lateinmaking 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:
$ .
Rush Fee:
$50.00.
Statement Copy Fee:
$5.00.
DocuSign Envelope ID: C7E452E6-9F4C-47B9-84F2-F8B148BAE210
10.00