5.25

18.00

18.00

18.00

October 1, 2019

©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved04211620-MXC10-P-1-052118 (MXC101-E)APPLICATIONANDSOLICITATIONDISCLOSUREInterest Rates and Interest ChargesAnnual Percentage Rate (APR) forPurchases      Your APR will be to,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.APR for Balance TransfersI      Your APR will be to,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.APR for Cash Advancesto,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.How to Avoid Paying Interest onPurchasesYour due date is at least25 days after the close of each billing cycle. We willnot charge you any interest on purchases if you pay your entire balance bythe due date each month.For Credit Card Tips from theConsumer Financial Protection BureauTo learn more about factors to consider when applying for or using acredit card, visit the website of the Consumer Financial ProtectionBureau at http://www.consumerfinance.gov/learnmore.FeesAnnual Fee-Annual FeeNoneTransaction Fees-Cash Advance Fee$10.00 or3.00% of the amount of each cash advance, whichever is greater(Maximum Fee:$25.00)-Foreign Transaction Fee1.00% of each transaction in U.S. dollarsPenalty Fees-Late Payment FeeUp to$25.00-Returned Payment FeeUp to$30.00How We Will Calculate Your Balance:We use a method called"average daily balance (including new purchases)."Promotional Period for Introductory APR:TheIntroductoryAPRforpurchasesandbalancetransferswillapplytotransactionspostedtoyouraccountduringthefirstsixmonthsfollowingtheopeningofyouraccount.AnyexistingbalancesonAMOCOFederalCreditUnionloanorcreditcard 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.SEE NEXT PAGE for more important information about your account.©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved04211620-MXC10-P-1-052118 (MXC101-E)ForCaliforniaBorrowers,theRewardsPlatinumMastercardisasecuredcreditcard.Creditextendedunderthiscreditcardaccountissecuredbyvariouspersonalpropertyandmoneyincluding,butnotlimitedto:(a)anygoodsyoupurchasewiththisaccount,(b)anysharesyouspecificallypledgeascollateralforthisaccountonaseparatePledgeofShares,(c)allsharesyouhaveinanyindividualorjointaccountwiththeCreditUnionexcludingsharesinanIndividualRetirementAccountorinanyotheraccountthatwouldlosespecialtaxtreatmentunderstateorfederallaw,and(d)collateralsecuringotherloansyouhavewiththeCreditUnionexcludingdwellings.Notwithstandingtheforegoing,youacknowledgeandagreethatduringanyperiodswhenyouareacoveredborrowerundertheMilitaryLendingActyourcreditcardwillbesecuredbyanyspecificPledgeofSharesyougrantusbutwillnotbesecuredbyallsharesyouhaveinanyindividualorjointaccountwiththeCreditUnion.Forclarity,youwillnotbedeemedacoveredborrowerif:(i)youestablishyourcreditcardaccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.Other Fees & Disclosures:Late Payment Fee:$25.00ortheamountoftherequiredminimumpayment,whicheverisless,ifyouare15ormoredayslateinmakingapayment.Cash Advance Fee (Finance Charge):$10.00 or3.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed$25.00.Returned Payment Fee:$30.00or the amount of the required minimum payment, whichever is less.Returned Convenience Check Fee:$30.00 or the amount of the returned convenience check, whichever is less.Copy of Paid Convenience Check Fee:$2.00per copy.Expedited Payment Service Fee:$5.00.Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.