SEE NEXT PAGE for more important information about your  account.  
03202928 -MXC10 -C-1-090517  (MXC101 -E) � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  APPLICATION AND  
SOLICITATION  
DISCLOSURE  
VISA PLATINUM / PLATINUM REWARDS  
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases  Visa Platinum 
0.00% Introductory APR for twelve months from account opening.
After that, your APR will be 7.65% to 17.95% , based on
your creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
Visa platinum Rewards 
0.00% Introductory APR for twelve months from account opening.
After that, your APR will be 9.65% to 12.95% , based on your
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
APR for Balance Transfers  Visa Platinum 
0.00% Introductory APR for twelve months from account opening.
After that, your APR will be 7.65% to 17.95% , based on your 
creditworthiness . This APR will var y with the market base d on the Prime 
Rate. 
Visa platinum Rewards 
0.00% Introductory APR for twelve months from account opening.
After that, your APR will be 9.65% to 12.95% , based on your 
creditworthiness . This APR will var y with the market base d on the Prime 
Rate. 
APR for Cash Advances  Visa Platinum 
14.95% to 17.95% , when you open your account, based on your 
creditworthiness . This APR will var y with the market base d on the Prime 
Rate. 
Visa platinum Rewards 
14.95%
This APR will var y with the market base d on the Prime Rate. 
 SEE NEXT PAGE for more important information about your  account.  
03202928 -MXC10 -C-1-090517  (MXC101 -E) � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  Penalty APR and When it Applies  Visa Platinum 
17.95%  
Visa platinum  Rewards 
17.95%  
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 consecutiv e 
minimum payments when due.  
How to Avoid Paying Interest on 
Purchases  Your due date is at least 28 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 Bureau  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.  
Fees  
Annual Fee  
-Annual Fee None  
Transaction Fees  
-Balance Transfer  Fee
-Cash Advance  Fee
-Foreign Transaction  FeeNone 
None  
1.00% of each transaction in U.S. dollars  
Penalty Fees  
-Late Payment  Fee
-Returned Payment  FeeUp to  $25.00  
Up to  $25.00  
How We Will Calculate Your Balance:  
We use a method called "average daily balance (including new purchases)."  
Loss of Introductory APR:  
We may end your Introductory APR for purchases and balance transfers and apply the Penalty APR if you are one day 
late in making a payment.  
Application of Penalty APR:  
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a pay ment.  
Effective Date:  
The information about the costs of the card described in this application is accurate as of: November 1, 2018  
This information may have changed after that date. To find out what may have changed, contact the Credit Union.  
For California Borrowers, the Visa Platinum and Visa platinum Rewards 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 whe n
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  03202928 -MXC10 -C-1-090517 (MXC101 -E) Other Fees & Disclosures: 
Late Paymen t Fee: 
$25.00 or the amoun t of the required minimum payment, whichever is less, if you are six or more days late in making a 
payment. 
Returned Paymen t Fee: 
$25.00 or the amoun t of the required minimum payment, whichever is less. 
Returned Convenience Check Fee: 
$25.00 or the amoun t of the returned convenience check, whichever is less. 
Card Replacement Fee: 
$10.00. 
Rush Fee: 
$50.00. 
Statemen t Copy Fee: 
$5.00.