11.45%

22.45%

13.45%

24.45%

13.74%

24.74%

11.45%

22.45%

13.45%

24.45%

13.74%

24.74%

11.45%

22.45%

13.45%

24.45%

13.74%

24.74%

©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved01214565-MXC10-P-1-071817 (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 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 to,when you open your account,based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.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 Signatureto,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 SIGNATUREMISC_VISA_Solic_Discl_NonPromo 20180501None

None

None

08/31/2018

©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved01214565-MXC10-P-1-071817 (MXC101-E)Penalty APR and When it AppliesVisa PlatinumVisa Platinum RewardsVisa SignatureHow 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 FeeNone- Cash Advance FeeNone-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)."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,VisaPlatinumRewardsandVisaSignaturearesecuredcreditcards.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,ifyouaresixormoredayslateinmakingapayment.Returned Payment Fee:$25.00or the amount of the required minimum payment, whichever is less.Card Replacement Fee:$10.00.SEE NEXT PAGE for more important information about your account.©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved01214565-MXC10-P-1-071817 (MXC101-E)Statement Copy Fee:$10.00.Copy of Visa Draft:$10.00.Returned Visa Statement:$2.00.