VISA PLATINUM/VISA SECURED

9.90%

22.90%

11.50%

9.90%

22.90%

11.50%

9.90%

22.90%

11.50%

$10.00

3.00%

1.00%
0.80%

$25.00
$25.00

$3.00
$25.00
$5.00
$5.00
$26.00

September 1, 2012.

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved DCALD2 (MXC4XX CCM002)  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             APR for Balance Transfers Visa Platinum F5             to F6             when you open your account, based on your creditworthiness.  Visa Secured F7             APR for Cash Advances Visa Platinum F8             to F9             when you open your account, based on your creditworthiness.  Visa Secured F10           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 Transaction Fees  - Cash Advance Fee F11           or F12           of the amount of each cash advance, whichever is greater - Foreign Transaction Fee F13           of each multiple currency transaction in U.S. dollars  F14           of each single currency transaction in U.S. dollars Penalty Fees  - Late Payment Fee Up to F15            - Returned Payment Fee Up to F16           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 F17            This information may have changed after that date. To find out what may have changed, contact the Credit Union. OTHER DISCLOSURES Late Payment Fee F18           or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. Returned Payment Fee F19           or the amount of the required minimum payment, whichever is less. Statement Copy Fee F20           Emergency Card Replacement Fee F21           plus the amount of domestic or international freight Card Replacement Fee F22           Pay-by-Phone Fee F23           Stop Payment Fee F24           (Checks, ACH, Loan Drafts) Primary Applicant Initial