www.itcu.org P.O. Box 250169 Plano, TX 75025-0169 Phone: 800-337-3328 Fax: 214-291-1310 APPLICATION AND SOLICITATION DISCLOSURE mastercard   PLATINUM MASTERCARD /PLATINUM WITH REWARDS MASTERCARD   Interest Rates and Interest Charges   Annual Percentage Rate (APR) for Purchases Platinum MasterCard 10.00% to 1 7.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Platinum with Rewards MasterCard 1 1 .50% to 1 7.75% , 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 10.00% to 17.75%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Platinum with Rewards MasterCard 11.50% to 17.75% , 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 17.75% This APR will vary with the market based on the Prime Rate. Platinum with Rewards MasterCard 17.75% This APR will vary with the market based on the Prime Rate.   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.   Minimum Interest Charge If you are charged interest, the charge will be no less than $2.00.   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:/Awww.consumerfinance.gov/learnmore.   Fees     Annual Fee - Annual Fee - Platinum with Rewards MasterCard   None   LQANLINER. © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved SEE NEXT PAGE for more important information about your account. 042204754MXC10-P-1-013019 (MXC101-E)        Transaction Fees - Balance Transfer Fee $10.00 or 3.00% of the amount of each balance transfer, whichever is greater - Cash Advance Fee $10.00 or 3.00% of the amount of each cash advance, whichever is greater (Maximum Fee: $35.00) - 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)." Minimum Interest Charge - Platinum MasterCard : The minimum interest charge will be charged on any dollar amount. Minimum Interest Charge - Platinum with Rewards MasterCard : The minimum interest charge will not be charged on amounts below $2.00. Effective Date: The information about the costs of the card described in this application is accurate as of: April 17, 2019 This information may have changed after that date. To find out what may have changed, contact the Credit Union. For California Borrowers, the Platinum MasterCard and Platinum with Rewards MasterCard 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 15 or more days late in making a payment. Balance Transfer Fee (Finance Charge): $10.00 or 3.00% of the amount of each balance transfer, whichever is greater.   Cash Advance Fee (Finance Charge): $10.00 or 3.00% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $35.00.   Returned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.   Returned Convenience Check Fee: $25.00 or the amount of the returned convenience check, whichever is less.   Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. LQANLINER. © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04220475-MXC10-P-1-013019 (MXC101-E)