STATE LAW NOTICE(S)

Notice to Nebraska Residents: A credit agreement must be in writing to be enforceable under Nebraska law. To protect you and us from any

misunderstandings or disappointments, any contract, promise, undertaking, or offer to forebear repayment of money or to make any other financial

accommodation in connection with this loan of money or grant or extension of credit, or any amendment of, cancellation of, waiver of, or substitution for

any or all of the terms or provisions of any instrument or document executed in connection with this loan of money or grant or extension of credit, must

be in writing to be effective.

Notice to New York Residents: New York residents may contact the New York State Department of Financial Services to obtain a comparative listing

of credit card rates, fees, and grace periods. New York State Department of Financial Services: 1-800-342-3736 or www.dfs.ny.gov.

Notice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers,

and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers

compliance with this law.

Notice to Wisconsin Residents: (1) No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under

Section 766.70 will adversely affect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, or

has actual knowledge of its terms, before the credit is granted or the account is opened. (2) Please sign if you are not applying for this account or loan

with your spouse. The credit being applied for, if granted, will be incurred in the interest of the marriage or family of the undersigned.

Signature for Wisconsin Residents Only

CONSENSUAL SECURITY INTEREST

You grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure

your credit card account. Shares and deposits in an IRA or any other account that would lose special tax treatment under state or federal law

if given as security are not subject to the security interest you have given in your shares and deposits. You may withdraw these other shares

unless you are in default. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. For example,

if you have an unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.

By signing or otherwise authenticating below, you are affirmatively agreeing that you are aware that granting a security interest is a condition

for the credit card and you intend to grant a security interest. You acknowledge and agree that your pledge does not apply during any

periods when you are a covered borrower under the Military Lending Act. For clarity, you will not be deemed a covered borrower, and your

pledge will apply, if: (i) you become obligated on a credit transaction or establish an account for credit when you are not a covered borrower;

or (ii) you cease to be a covered borrower.

Security Interest Acknowledgement and Agreement

Date

Security Interest Acknowledgement and Agreement

Date

SIGNATURES

By signing or otherwise authenticating below:

You promise that everything you have stated in this application is correct to the best of your knowledge, and that the above information is a

complete listing of what you owe. If there are any important changes you will notify us in writing immediately. You authorize the Credit Union to

obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit

received. You understand that the Credit Union will rely on the information in this application and your credit report to make its decision. If you

request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. It is a crime to

willfully and deliberately provide incomplete or incorrect information in this application.

2.

If you are applying for a credit card, you understand that the use of your card will constitute acknowledgment of receipt and agreement to the terms

of the Consumer Credit Card Agreement and Disclosure.

Applicant’s Signature

Date

Other Signature

CREDIT UNION USE ONLY

APPROVED

DECLINED

(Adverse Action Notice Sent)

LOAN OFFICER COMMENTS:

Credit Committee or Loan Officer Signatures

APPROVED

SIGNATURE

LINE OF CREDIT

OTHER

LIMITS:

$

$

$

OTHER

$

DEBT RATIO/SCORE

BEFORE

AFTER

Date

(Seal)

(Seal)

X

(Seal)

X

Date

(Seal)

X

Date

(Seal)

Date

(Seal)

X

X

1.

X

DATE

X

APPLY TODAY!*

*See application for disclosures.

APPLICATION AND
SOLICITATION
DISCLOSURE

VISA PLATINUM

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for 
Purchases

APR for Balance Transfers

APR for Cash Advances

9.00%, 12.00% or 16.00%, when you open your account, based 
on your creditworthiness. This APR will vary with the market based on the Prime Rate.

12.00%, 16.00% or 18.00%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate. 

12.00%, 16.00% or 18.00%, when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime Rate.

Penalty APR and When it Applies

18.00% 

This APR may be applied to your account if you:

- Make a late payment
- Make a payment that is returned

How Long Will the Penalty APR Apply? If your APRs are increased for this reason, the
Penalty APR will apply until you make six (6) consecutive minimum payments when due. 

How to Avoid Paying Interest on 
Purchases

Your 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.

(Seal)

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

Transaction Fees
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

3.00% of each transaction in U.S. dollars

Up to $27.00
Up to $27.00

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 to the disclosed Penalty APR if you are 60 days late in making a payment or make a payment that is returned.  If your APRs 
are increased for this reason, the Penalty APR will apply until you make six (6) consecutive minimum payments when due.

Effective Date:
The information about the costs of the card described in this application is accurate as of: October 1, 2019. 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    is  a  secured  credit  card.  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: 

Up  to  $27.00  or  the  amount  of  the  required  minimum  payment,  whichever  is  less, 
if  your  payment  has  not  been  received  by  the  third  calendar  day  of  the  month  

Returned  Payment  Fee: 
Up  to  $27.00  or  the  amount  of  the  required  minimum  payment,  whichever  is  less. 

d  Replacement  Fee: 

$7.00. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02105204-MXC10-C-1-062117 (MXC101-E)