©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved04207126-MXC10-P-1-072117 (MXC101-E)APPLICATIONANDSOLICITATIONDISCLOSUREInterest Rates and Interest ChargesAnnual Percentage Rate (APR) forPurchasesVisa Platinum Introductory APR for a period of twelve billing cycles.After that,your APR will be to,based on yourcreditworthiness.Visa Secured Platinum Introductory APR for a period of twelve billing cycles.After that,your APR will be to,based on yourcreditworthiness.APR for Balance TransfersVisa Platinum Introductory APR for a period of twelve billing cycles.After that, your APR will be to,based on yourcreditworthiness.Visa Secured Platinum Introductory APR for a period of twelve billing cycles.After that, your APR will be to,based on yourcreditworthiness.APR for Cash Advancesto, based on your creditworthiness.Visa PlatinumYour APR will be Visa Secured Platinumto, based on your creditworthiness.Your APR will be SEE NEXT PAGE for more important information about your account.©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved04207126-MXC10-P-1-072117 (MXC101-E)Penalty APR and When it AppliesVisa PlatinumVisa Secured PlatinumThis APR may be applied to your account if you:-Make a late payment.How Long Will the Penalty APR Apply?Ifyour APRs are increased forthis reason, the Penalty APR will apply until you makesix consecutiveminimum payments when due.How 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.FeesTransaction Fees-Balance Transfer Fee$2.00 or2.00% of the amount of each balance transfer, whichever is greater-Cash Advance Fee$2.00 or2.00% of the amount of each cash advance, whichever is greater-Foreign Transaction Fee1.00% of each transaction in U.S. dollarsPenalty Fees-Late Payment FeeUp to$25.00-Returned Payment FeeUp to$35.00How 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 60 days 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 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.For California Borrowers, the Visa Platinum and Visa Secured Platinum 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 when 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.Other Fees & Disclosures:Late Payment Fee:$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a payment.SEE NEXT PAGE for more important information about your account.©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved04207126-MXC10-P-1-072117 (MXC101-E)Balance Transfer Fee (Finance Charge):$2.00 or2.00% of the amount of each balance transfer, whichever is greater.Cash Advance Fee (Finance Charge):$2.00 or2.00% of the amount of each cash advance, whichever is greater.Returned Payment Fee:$25.00ortheamountoftherequiredminimumpayment,whicheverisless.Intheeventapaymentisreturnedinthesameorinanyofthesixbillingcyclesfollowingtheinitialviolation,youwillbecharged$35.00ortheamountoftherequiredminimum payment, whichever is less.