�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03413076-MXC10-C-1-082421 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
APR for Balance Transfers  to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
APR for Cash Advances
This APR will vary  with the market based on the Prime Rate .
Penalty APR and When it Applies
This APR may be applied to your account if you:
- Make a late payment .
How Long Will the Penalty APR Apply? Ifyour APRs are increased for
this reason , the Penalty  APR will apply until you make six consecutive
minimum payment s when due.
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 $5.00  or3.00%  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 $35.00
- Returned Payment Fee Up to $10.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
Application of Penalty APR :
Your APR may be increased t o the disclosed Penalty APR if y ou are60 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.
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03413076-MXC10-C-1-082421 (MXC102-E)ForCalifornia Borrowers, theVisa Platinum Variable isasecured credit card. Credit extended under this credit
card account issecured byvarious personal property andmoney including, butnotlimited to:(a)anygoods 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 orinanyother account that would lose special taxtreatment under
state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee :
Forbalances of$250.00 orless, youwillbecharged $15.00 ortheamount oftherequired minimum payment, ifyouare
one(1)ormore days lateinmaking apayment. Intheevent youfailtomake apayment inanyofthesix(6)billing cycles
following theviolation, youwillbecharged $25.00 ortheamount oftherequired minimum payment. Forbalances of
$250.01 orgreater, youwillbecharged $25.00 ortheamount oftherequired minimum payment, ifyouareone(1)or
more days lateinmaking apayment. Intheevent youfailtomake apayment inanyofthesix(6)billing cycles following
theviolation, youwillbecharged $35.00 ortheamount oftherequired minimum payment. Ifyour Account issubject toa
Late Payment Fee, thefeewillbecharged toYour Account when You donotmake therequired minimum payment byor
within the number of days of the statement Payment Due Date set forth on this Disclosure.
Cash Advance Fee (Finance Charge) :
$5.00  or3.00%  of the amount of each cash advance, whichever is greater.
Returned Payment Fee :
$10.00 or the amount of the required minimum payment, whichever is less.