9.70%

20.70%

11.70%

22.70%

11.99%

22.99%

11.99%

22.99%

9.70%

20.70%

11.70%

22.70%

11.99%

22.99%

11.99%

22.99%

©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved01214565-MXC10-P-1-040120 (MXC101-E)APPLICATIONANDSOLICITATIONDISCLOSUREInterest Rates and Interest ChargesAnnual Percentage Rate (APR) forPurchasesVisa Platinum to,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Platinum Rewards to,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Signature Rewards to,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Signature Cash Rebate to,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.APR for Balance TransfersVisa Platinum to,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Platinum Rewards to,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Signature Rewards to,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Signature Cash Rebate to,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.SEE NEXT PAGE for more important information about your account.VISA PLATINUMVISA PLATINUM REWARDSVISA SIGNATUREVISA SIGNATURE CASH REBATE9.70%

20.70%

11.70%

22.70%

11.99%

22.99%

11.99%

22.99%

None

None

None

None

©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved01214565-MXC10-P-1-040120 (MXC101-E)APR for Cash AdvancesVisa Platinumto,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Platinum Rewardsto,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Signature Rewardsto,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Visa Signature Cash Rebateto,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Penalty APR and When it AppliesVisa PlatinumVisa Platinum RewardsVisa Signature RewardsVisa Signature Cash RebateHow 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- Balance Transfer Fee -Visa PlatinumNone- Balance Transfer Fee -Visa PlatinumRewards, Visa Signature Rewards, VisaSignature Cash Rebate$5.00 or3.00% of the amount of each balance transfer, whichever is greater- Cash Advance Fee -Visa PlatinumNone- Cash Advance Fee -Visa PlatinumRewards, Visa Signature Rewards, VisaSignature Cash Rebate$5.00 or5.00% of the amount of each cash advance, whichever is greater-Foreign Transaction Fee1.00% of each multiple currencytransaction in U.S. dollars0.80% of each single currency transaction in U.S. dollarsPenalty Fees- Late Payment FeeUp to$25.00- Over-the-Credit Limit FeeNone- Returned Payment FeeUp to$25.00How We Will Calculate Your Balance:We use a method called"average daily balance (including new purchases)."SEE NEXT PAGE for more important information about your account.April 13, 2020

©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved01214565-MXC10-P-1-040120 (MXC101-E)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.ForCaliforniaBorrowers,theVisaPlatinum,VisaPlatinumRewards,VisaSignatureRewardsandVisaSignatureCashRebatearesecuredcreditcards.Creditextendedunderthiscreditcardaccountissecuredbyvariouspersonalpropertyandmoneyincluding,butnotlimitedto:(a)anygoodsyoupurchasewiththisaccount,(b)anysharesyouspecificallypledgeascollateralforthisaccountonaseparatePledgeofShares,(c)allsharesyouhaveinanyindividualorjointaccountwiththeCreditUnionexcludingsharesinanIndividualRetirementAccountorinanyotheraccountthatwouldlosespecialtaxtreatmentunderstateorfederallaw,and(d)collateralsecuringotherloansyouhavewiththeCreditUnionexcludingdwellings.Notwithstandingtheforegoing,youacknowledgeandagreethatduringanyperiodswhenyouareacoveredborrowerundertheMilitaryLendingActyourcreditcardwillbesecuredbyanyspecificPledgeofSharesyougrantusbutwillnotbesecuredbyallsharesyouhaveinanyindividualorjointaccountwiththeCreditUnion.Forclarity,youwillnotbedeemedacoveredborrowerif:(i)youestablishyourcreditcardaccountwhenyouarenotacoveredborrower;or (ii) you cease to be a covered borrower.Other Fees & Disclosures:Late Payment Fee:$25.00ortheamountoftherequiredminimumpayment,whicheverisless,ifyouaresixormoredayslateinmakingapayment.Balance Transfer Fee (Finance Charge) -Visa Platinum Rewards, Visa Signature Rewards, Visa Signature Cash Rebate:$5.00 or3.00% of the amount of each balance transfer, whichever is greater.Cash Advance Fee (Finance Charge) -Visa Platinum Rewards, Visa Signature Rewards, Visa Signature Cash Rebate:$5.00 or5.00% of the amount of each cash advance, whichever is greater.Returned Payment Fee:$25.00or the amount of the required minimum payment, whichever is less.Card Replacement Fee:$10.00.Statement Copy Fee:$10.00.Copy of Visa Draft:$10.00.Returned Visa Statement:$2.00.