�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 02401461-MXC10-C-1-101619 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesPreferred Platinum
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Platinum Points
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Signature
 Introductory APR  for12months  from account opening.
After that ,your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Platinum
 to ,based on your creditworthiness.
Secured Platinum
APR for Balance Transfers Preferred Platinum
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Platinum Points
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Signature
 Introductory APR  for12months  from account opening.
After that,  your APR will be  to ,based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Platinum
 to ,based on your creditworthiness.
Secured Platinum
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 02401461-MXC10-C-1-101619 (MXC101-E)APR for Cash Advances Preferred Platinum
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Platinum Points
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Visa Signature
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
Platinum
to ,based on your creditworthiness.
Secured Platinum
Penalty APR and When it Applies
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.
Minimum Interest Charge If you are charged interest, t he charge will be no less than $0.50 .
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
- Balance Transfer Fee None
- Cash Advance Fee  -Preferred Platinum $2.00
- Cash Advance Fee - Platinum Points $2.00
- Cash Advance Fee - Platinum $2.00
- Cash Advance Fee - Secured Platinum $2.00
- Cash Advance Fee - Visa Signature $10.00  or3.00%  of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee - Preferred
Platinum1.00%  of each transaction in U.S. dollars
- Foreign Transaction Fee - Platinum
Points1.00%  of each transaction in U.S. dollars
- Foreign Transaction Fee - Platinum 1.00%  of each transaction in U.S. dollars
- Foreign Transaction Fee - Visa
SignatureNone
- Foreign Transaction Fee - Secured
PlatinumNone
Penalty Fees
- Late Payment Fee � Preferred Platinum,
Platinum Points, Visa Signature, PlatinumUp to $25.00
- Late Payment Fee - Secured Platinum Up to $5.00
- Returned Payment Fee Up to $25.00
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Promotional Period forIntroductory APR -Visa Signature :TheIntroductory APR forpurchases andbalance transfers
willapply totransactions posted toyour account during thefirst12months following theopening ofyour account. Any
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 02401461-MXC10-C-1-101619 (MXC101-E)existing balances onTogether Credit Union loan orcredit card accounts arenoteligible fortheIntroductory APR for
balance transfers.
Minimum Interest Charge :The minimum interest charge will be charged on any dollar amount .
EffectiveDate:Theinformationaboutthecostsofthecarddescribedinthisapplicationisaccurateasof: .
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
Missouri Fee Notice -Preferred Platinum, Platinum Points, Visa Signature and Platinum :Credit card fees are
governed by �408.145 of the Missouri Revised Statutes .
Missouri Fee Notice -Secured Platinum :Credit card fees are governed by �408.140 of the Missouri Revised Statutes .
ForCalifornia Borrowers, theSecured Platinum isasecured credit card. 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 inany individual orjoint 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 theCredit Union excluding dwellings.
Notwithstanding theforegoing, you acknowledge and agreethat during any periods when you areacovered
borrower under theMilitary Lending Actyour credit card willbesecured byany specific Pledge ofShares you
grant usbutwillnotbesecured byallshares you have inanyindividual orjoint account with theCredit Union.
Forclarity, youwillnotbedeemed acovered borrower if:(i)youestablish your credit card account when youare
not a covered borrower; or (ii) you cease to be a covered borrower.
Other Fees & Disclosures:
ForSecured Platinum Only: The following fees donotapply toborrowers intheState ofMissouri: Account Set-up Fee,
Program Fee, Participation Fee, Additional Card Fee, Application Fee, Balance Transfer Fee, Transaction Fee for
Purchases, Foreign Transaction Fee, Over-the-Credit Limit Fee, Statement Copy Fee, Document Copy Fee, Rush Fee,
Emergency Card Replacement Fee, PIN Replac ement Fee, Card Replacement Fee and  Unreturned Card Fee.
Late Payment Fee -Preferred Platinum, Platinum Points, Visa Signature and Platinum :$25.00 ortheamount ofthe
required minimum payment, whichever is less, if you are five or more days late in making a payment.
Late Payment Fee-Secured Platinum :$5.00 ortheamount oftherequired minimum payment, whichever isless, ifyou
are 15 or more days late in making a payment.
Cash Advance Fee (Finance Charge)  -Preferred Platinum, Platinum Points, Platinum and Secured Platinum :$2.00 .
Cash Advance Fee (Finance Charge)  -Visa Signature :$10.00  or3.00%  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:$10.00 .Ifyour account issubject tothePay-By-Phone Fee, except asapplicable bylaw,afeewillbe
charged for each time you make an expedited payment by telephone.
Rush Fee  -Preferred Platinum, Platinum Points, Visa Signature and Platinum :Up to $30.00.
Statement Copy Fee-Preferred Platinum, Platinum Points, Visa Signature andPlatinum :$2.00 perdocument .However,
this fee is waived if youare an Eagle Advantage member.