APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM (VARIABLE)/VISA PLATINUM (NON-
VARIABLE)/VISA PLATINUM SECURED (VARIABLE)

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Platinum (Variable)
10.20% 18.00%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Visa Platinum (Non-Variable)
9.95%

Visa Platinum Secured (Variable)
16.20%

APR for Balance Transfers

This APR will vary with the market based on the Prime Rate.

Visa Platinum (Variable)
2.99%

 Introductory APR for a period of 12 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

18.00%

10.20%

 to

Visa Platinum (Non-Variable)
9.95%

Visa Platinum Secured (Variable)
16.20%

 Introductory APR for a period of 12 billing cycles.

APR for Cash Advances

16.20%

. This APR will vary with the market

After that, your APR will be
based on the Prime Rate.
Visa Platinum (Variable)
12.20%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

18.00%

to

Visa Platinum (Non-Variable)
11.95%

Visa Platinum Secured (Variable)
18.00%

This APR will vary with the market based on the Prime Rate.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01001985-MXC10-C-1-070717 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Penalty APR and When it Applies

Visa Platinum (Variable)
18.00%

Visa Platinum (Non-Variable)
18.00%

Visa Platinum Secured (Variable)
18.00%

This APR may be applied to your account if you:
- Make a late payment.

How Long Will the Penalty APR Apply? If your APRs are increased for
this reason, 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 1.00% of the amount of each cash advance, whichever is greater
(Maximum Fee: $50.00)
1.00% of each transaction in U.S. dollars

Up to $25.00
Up to $25.00

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees
Transaction Fees
- Cash Advance Fee

- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR - Visa Platinum (Variable), Visa Platinum Secured (Variable):
The Introductory APR for balance transfers will apply to transactions posted to your account from
01/25/18
Introductory APR for balance transfers.

until
. Any existing balances on Robins Financial Credit Union loan or credit card accounts are not eligible for the

12/26/17

Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.

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.

December 26, 2017

For California Borrowers, the Visa Platinum (Variable), Visa Platinum (Non-Variable) and Visa Platinum Secured
(Variable) 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.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01001985-MXC10-C-1-070717 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

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.

Cash Advance Fee (Finance Charge):
$5.00 or 1.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $50.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01001985-MXC10-C-1-070717 (MXC101-E)