APPLICATION AND yi 5 A SOLICITATION A DISCLOSURE Ey YOUR CREDIT UNION FOR LIFE Ra Signature   REWARDS VISA/SIMPLE VISA   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases Rewards Visa 10.90%, 12.75%, 14.75% or 19.49% _ when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Simple Visa 8.49% 7 10.73% ; 12.73% or 17.23%, based on your creditworthiness.   APR for Balance Transfers Rewards Visa 2.99% Introductory APR for a period of 12 billing cycles. After that, your APR will be 10.90%, 12.75% , 14.75% or 19.49% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Simple Visa 2.99% Introductory APR for a period of 12 billing cycles. After that, your APR will be 8.49% , 10.73% , 12.73% or 17.23% , based on your creditworthiness.   APR for Cash Advances Rewards Visa 10.90%, 12.75% , 14.75% or 19.49% , when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Simple Visa 8.49% , 10.73%, 12.73% or 17.23% , based on your creditworthiness.   Penalty APR and When it Applies Rewards Visa None Simple Visa None   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 None     Transaction Fees - Foreign Transaction Fee   1.00% of each transaction in U.S. dollars   LQANLINER. © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved SEE NEXT PAGE for more important information about your account. 02100212-MXC10-C-1-010319 (MXC101-E)      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)." Balance Transfer Introductory APR: Any existing balances on LAFCU loan or credit card accounts are not eligible for the Introductory APR for balance transfers. Effective Date: The information about the costs of the card described in this application is accurate as of: January 21, 2019 This information may have changed after that date. To find out what may have changed, contact the Credit Union. For California Borrowers, the Rewards Visa and Simple Visa 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 10 or more days late in making a payment.   Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.   LOANLINER. © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 02100212-MXC10-C-1-010319 (MXC101-E)