©CUNA Mutual Group 2009, 10, 12 All Rights Reserved DILQP0 (MXC402 CCM002)-e SEE BACK OF PAGE for more important information about your account.  F1  APPLICATION AND SOLICITATION DISCLOSURE Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Visa Platinum F2             Introductory APR for a period of six (6) billing cycles.  After that your APR will be F3             to F4             based on your creditworthiness.   Visa Platinum With Rewards F5             Introductory APR for a period of six (6) billing cycles.  After that your APR will be F6             to F7             when you open your account, based on your creditworthiness. APR for Balance Transfers Visa Platinum F8             Introductory APR for a period of six (6) billing cycles. After that your APR will be F9             to F10           based on your creditworthiness.   Visa Platinum With Rewards F11           Introductory APR for a period of six (6) billing cycles. After that your APR will be F12           to F13           based on your creditworthiness.  APR for Cash Advances Visa Platinum F14           Introductory APR for a period of six (6) billing cycles.  After that your APR will be F15           to F16           based on your creditworthiness.   Visa Platinum With Rewards F17           Introductory APR for a period of six (6) billing cycles.  After that your APR will be F18           to F19           based on your creditworthiness.  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. VISA PLATINUM AND VISA PLATINUM WITH REWARDS6.90%6.90%6.90%6.90%6.90%6.90%8.80% to 19.80%8.80% to 19.80%8.80% to 19.80%9.80% to 20.80%9.80% to 20.80%9.80% to 20.80% DILQP0 (MXC402 CCM002)-e  Fees Annual Fee  - Annual Fee F20           Transaction Fees  - Balance Transfer Fee  F21           - Cash Advance Fee F22           or F23           of the amount of each cash advance, whichever is greater - Foreign Transaction Fee F24           of each transaction in U.S. dollars - Transaction Fee for Purchases F25           Penalty Fees  - Late Payment Fee Up to F26            - Returned Payment Fee Up to F27            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 F28            This information may have changed after that date. To find out what may have changed, contact the Credit Union. OTHER DISCLOSURES Late Payment Fee F29           or the amount of the required minimum payment, whichever is less, if you are one (1) or more days late in making a payment. Returned Payment Fee F30           or the amount of the required minimum payment, whichever is less. Statement Copy Fee F31           Document Copy Fee F32           Rush Fee F33           Card Replacement Fee F34            NONENONE$20.002.00%1.00%NONE$25.00$25.00January 1, 2013$25.00$25.00$5.00$5.00$20.00$5.00