� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reser ved 10400483-MXC10-C-1-111620 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa Platinum
 to , when you open your account, based on your
creditworthiness. This APR will vary with the marke t based on the Prime
Rate.
Visa Rewards
 to , when you open your account, based on your
creditworthiness. This APR will vary with the marke t based on the Prime
Rate.
APR for Balance Transfers Visa Platinum
 to , when you open your account, based on your
creditworthiness. This APR will vary with the marke t based on the Prime
Rate.
Visa Rewards
 to , when you open your account, based on your
creditworthiness. This APR will vary with the marke t based on the Prime
Rate.
APR for Cash Advances Visa Platinum
to , when you open your account, based on your
creditworthiness. This APR will vary with the marke t based on the Prime
Rate.
Visa Rewards
to , when you open your account, based on your
creditworthiness. This APR will vary with the marke t based on the Prime
Rate.
Penalty APR and When it Applies Visa Platinum
to , when you open your account, based on your
creditworthiness.
This APR will vary with the market based on the Pri me Rate.
Visa Rewards
to , when you open your account, based on your
creditworthiness.
This APR will vary with the market based on the Pri me Rate.
This APR may be applied to your account if you:
- Make a late payment.
How Long Will the Penalty APR Apply? If your APRs are increased for
this reason, the Penalty APR will apply until you m ake six consecutive
minimum payments when due.
SEE NEXT PAGE for more important information about your account. � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reser ved 10400483-MXC10-C-1-111620 (MXC101-E)How to Avoid Paying Interest on
PurchasesYour due date is at least 23 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 applyi ng for or using a
credit card, visit the website of the Consumer Fina ncial Protection
Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Transaction Fees
- Balance Transfer Fee $5.00  or2.00%  of the amount of each balance transfer, whichever is greater
- Cash Advance Fee $5.00  or2.00%  of the amount of each cash advance, whichever is g reater
- Foreign Transaction Fee 2.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $10.00
- Returned Payment Fee Up to $29.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (exclu ding new purchases) (including new balance transfer s and cash
advances)."
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 describ ed in this application is accurate as of:
This information may have changed after that date. To find out what may have changed, contact the Cred it Union.
For California Borrowers, the Visa Platinum and Visa Reward s are secured credit cards. Credit extended under
this credit card account is secured by various personal prop erty and money including, but not limited to: (a) any
goods you purchase with this account, (b) any shares you spec ifically pledge as collateral for this account on a
separate Pledge of Shares, (c) all shares you have in any indi vidual or joint account with the Credit Union
excluding shares in an Individual Retirement Account or in a ny other account that would lose special tax
treatment under state or federal law, and (d) collateral sec uring other loans you have with the Credit Union
excluding dwellings. Notwithstanding the foregoing, you a cknowledge and agree that during any periods when
you are a covered borrower under the Military Lending Act you r credit card will be secured by any specific
Pledge of Shares you grant us but will not be secured by all sha res you have in any individual or joint account
with the Credit Union. For clarity, you will not be deemed a co vered 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 :
$10.00 or the amount of the required minimum payment, whiche ver is less, if you are 11 or more days late in making a
payment.
Balance Transfer Fee (Finance Charge) :
$5.00 or 2.00% of the amount of each balance transfe r, whichever is greater.
Cash Advance Fee (Finance Charge) :
$5.00 or 2.00% of the amount of each cash advance, w hichever is greater.
Returned Payment Fee :
$29.00 or the amount of the required minimum payment , whichever is less.