�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 02113173-MXC10-P-1-040417 (MXC101-E)APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesPlatinum Mastercard
, , , or ,
based on your creditworthiness.
Platinum Rewards Mastercard
, , or ,when you
open your account, based on your creditworthiness.  This APR will vary with
the market based on the Prime Rate.
APR for Balance Transfers Platinum Mastercard
, , , or ,based on your
creditworthiness.
Platinum Rewards Mastercard
, ,  or ,when you open your account, based
on your creditworthiness.  This APR will vary with the market based on the
Prime Rate.
APR for Cash Advances Platinum Mastercard
, , , or ,based on your
creditworthiness.
Platinum Rewards Mastercard
, , or ,when you open your account, based
on your creditworthiness.  This APR will vary with the market based on the
Prime Rate.
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
Transaction Fees
-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 (excluding new purchases and balance transfers) (including new cash
advances)."
Effective Date:
The information about the costs of the card described in this application is accurate as of :
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 02113173-MXC10-P-1-040417 (MXC101-E)This information may have changed after that date. To find out what may have changed, contact the Credit Union.
ForCalifornia Borrowers, thePlatinum Mastercard and Platinum Rewards Mastercard aresecured credit cards.
Credit extended under thiscredit card account issecured byvarious personal property andmoney including, but
notlimited to:(a)anygoods you purchase with this account, (b)anyshares you specifically pledge ascollateral
forthisaccount onaseparate Pledge ofShares, (c)allshares youhave inanyindividual orjoint account with the
Credit Union excluding shares inanIndividual Retirement Account orinany other 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 agree that during any periods
whenyou areacovered borrower under theMilitary Lending Actyour credit card willbesecured byanyspecific
Pledge ofShares you grant usbutwillnotbesecured byallshares you have inany individual orjoint account
with theCredit Union. Forclarity, you willnotbedeemed acovered 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 ortheamount oftherequired minimum payment, whichever isless, ifyouaresixormore days lateinmaking a
payment.
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less.
Rush Fee :
$30.00 .
Master card and the Master card Brand Mark are registered trademarks of Master card International Incorporated.