�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03204256-MXC10-P-3-070621 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Platinum
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Platinum Secured
This APR will vary  with the market based on the Prime Rate .
APR for Balance Transfers Visa Platinum
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Platinum Secured
This APR will vary  with the market based on the Prime Rate .
APR for Cash Advances Visa Platinum
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Signature Rewards
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Platinum Secured
This APR will vary  with the market based on the Prime Rate .
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03204256-MXC10-P-3-070621 (MXC102-E)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
Annual Fee
- Annual Fee None
Transaction Fees
- Cash Advance Fee $10.00  or2.00%  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 $25.00
- Returned Payment Fee Up to $25.00
How 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.
ForCalifornia Borrowers, theVisa Platinum, Visa Signature Rewards and Visa Platinum Secured aresecured
credit cards. Credit extended under this credit card account issecured byvarious personal property and money
including, butnotlimited to:(a)any goods you purchase with this account, (b)any shares you specifically
pledge ascollateral forthis account onaseparate Pledge ofShares, (c)allshares you have inanyindividual or
joint account with theCredit Union excluding shares inanIndividual Retirement Account orinanyother account
that would lose special taxtreatment under state orfederal law, and (d)collateral securing other loans you have
with the Credit Union excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee :
$25.00 ortheamount oftherequired minimum payment, whichever isless, ifyouareoneormore days lateinmaking a
payment.
Cash Advance Fee (Finance Charge) :
$10.00  or2.00%  of the amount of each cash advance, whichever is greater.
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less.
Pay-by-Phone Fee :
$12.00 .
Rush Fee :
$35.00 .
Statement Copy Fee :
$2.00 .