APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

,

or

, 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

 Introductory APR, for qualifying members, until

.

After that, or if you do not qualify for the Introductory APR, your APR will be
, based on your creditworthiness. This APR will

 or

,

APR for Cash Advances

Penalty APR and When it Applies

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Transaction Fees
- Balance Transfer Fee
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

vary with the market based on the Prime Rate.

,

or

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

This APR may be applied to your account if you:
- Make a late payment; or
- Make a payment that is returned.

How Long Will the Penalty APR Apply? If your APRs are increased for
any of these reasons, the Penalty APR will apply until you make six
consecutive minimum payments when due.

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.

$5.00 or 2.00% of the amount of each balance transfer, whichever is greater
3.00% of each transaction in U.S. dollars

Up to $27.00
Up to $27.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR:
The Introductory APR for balance transfers will apply to transactions posted to your account from

until
. Any existing balances on Financial Plus Credit Union loan or credit card accounts are not eligible for

the Introductory APR for balance transfers.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02105204-MXC10-C-2-092718 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Loss of Introductory APR:
We may end your Introductory APR for balance transfers and apply the Penalty APR if you are 60 days late in making a
payment. If your APRs are increased for this reason, the Penalty APR will apply until you make six (6) consecutive
minimum payments when due.

Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment or make a
payment that is returned. If your APRs are increased for this reason, the Penalty APR will apply until you make six (6)
consecutive minimum payments when due.

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 Platinum card, is a secured credit card. 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:
Up to $27.00 or the amount of the required minimum payment, whichever is less, if your payment has not been received
by the third calendar day of the month following the date that your payment is due.

Balance Transfer Fee (Finance Charge):
$5.00 or 2.00% of the amount of each balance transfer, whichever is greater. However, this fee is waived for transactions
posted after the promotional period.

Returned Payment Fee:
Up to $27.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$7.00.

Document Copy Fee:
$5.00.

Emergency Card Replacement Fee:
$85.00.

Pay-by-Phone Fee:
$9.95.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02105204-MXC10-C-2-092718 (MXC101-E)