�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00906230-MXC10-P-1-041918 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Signature Rewards
 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
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Traditional
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Secured
This APR will vary  with the market based on the Prime Rate .
APR for Balance Transfers Visa Signature Rewards
 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
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Traditional
 Introductory APR  for a period of 36 billing cycles .
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
This APR will vary  with the market based on the Prime Rate .
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00906230-MXC10-P-1-041918 (MXC101-E)APR for Cash Advances Visa Signature Rewards
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
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Traditional
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Secured
This APR will vary  with the market based on the Prime Rate .
How to Avoid Paying Interest on
PurchasesYour 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 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
Transaction Fees
- Cash Advance Fee $10.00  or2.00%  of the amount of each cash advance, whichever is greater
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $30.00
- Returned Payment Fee Up to $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash
advances)."
Promotional Period for Introductory APR  -Visa Traditional :
The Introductory APR forbalance transfers willapply totransactions posted toyour account during thefirst90days
following theopening ofyour account. Any existing balances onUSF Federal Credit Union loan orcredit 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 :
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
ForCalifornia Borrowers, theVisa Signature Rewards, Visa Platinum Rewards, Visa Traditional and Visa Secured
aresecured credit cards. Credit extended under this credit card account issecured byvarious personal property
and money including, butnotlimited to:(a)any goods you purchase with this account, (b)any shares you
specifically pledge ascollateral forthis account onaseparate Pledge ofShares, (c)allshares you have inany
individual orjoint account with theCredit 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. Notwithstanding theforegoing, you acknowledge and
agree that during anyperiods whenyou areacovered borrower under theMilitary Lending Actyour credit card
willbesecured byanyspecific Pledge ofShares you grant usbutwillnotbesecured byallshares you have in
anyindividual orjoint account with theCredit Union. Forclarity, youwillnotbedeemed acovered borrower if:(i)
you establish your credit card account when you arenotacovered borrower; or(ii)you cease tobeacovered
borrower.
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00906230-MXC10-P-1-041918 (MXC101-E)Other Fees & Disclosures:
Late Payment Fee :
$27.00 ortheamount oftherequired minimum payment, whichever isless, ifyouareoneormore days lateinmaking a
payment. Intheevent youfailtomake apayment ontime inanyofthesixbilling cycles following theinitial violation, you
will be charged $30.00  or the amount of the required minimum payment, whichever is less.
Cash Advance Fee (Finance Charge) :
$10.00  or2.00%  of the amount of each cash advance, whichever is greater.
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee :
$10.00 .