*See application for disclosures.APPLY TODAY!*STATE LAW NOTICE(S)
Notice to NebraskaResidents :Acreditagreement mustbein writingtobe enforceableunderNebraska law. Toprotect youand us from any
misunderstandingsordisappointments, anycontract,promise, undertaking,orofferto forebear repayment of moneyorto make any otherfinancial accommodationin connectionwith this loanof moneyor grant or extension of credit,or any amendmentof,cancellationof,waiverof,or substitution for anyorallof thetermsor provisions of any instrumentor document executedin connectionwith this loan of moneyor grantorextension of credit, must bein writingtobe effective.Notice to New York Residents: New Yorkresidents may contact theNew York State Department ofFinancial Services toobt a i nac o mparativelisting of credit card rates, fees,and graceperiods. New York State Department of Financial Services: 1-800-342-3736orwww.dfs.ny.gov. Notice to Ohio Residents:The Ohio laws against discrimination requirethat all creditors make creditequally available to all creditworthy customers, andthatcreditreporting agencies maintain separate credit historiesoneach individualupon request.TheOhio Civil RightsCommission administers compliance with this law.Noticeto Wisconsin Residents:(1)Noprovision of anymaritalpropertyagreement,unilateral statementunderSection 766.59,orcourtdecree under Section 766.70willadversely affect the rights of theCredit Union unlesstheCredit Unionis furnishedacopy of the agreement, statementor decree,or has actualknowledge of its terms,beforethecredit isgranted or the account isopened.(2)Please sign if you arenotapplying for this accountorloan with yourspouse.Thecreditbeing appli
 ed for, if granted, willbeincurredin theinterest of the marriage orfamily of the undersigned.
SignatureforWisconsin Residents Only Date
X (Seal)
CONSENSUAL SECURITY INTEREST
You grant us asecurity interest in all individual and joint share and/or depositaccounts youhavewith us now and in the fu ture to secure
your credit cardaccount. Shares and deposits in an IRA or any other account thatwould lose special tax treatment under state orfederal law if givenas security arenotsubject to the security interestyouhavegiven in your sharesanddeposits. You may withdraw these other shares unlessyouare in default. When you are in default, y ouauthorize us to apply the balancein these accounts to any amounts due. Forexample, if youhave an unpaid credit card balance,youagreewe may usefunds inyouraccount(s) to pay any or allof the unpaid balance. By signing or otherwiseauthenticatingbelow, youare affirmatively agreeingthatyouare aware thatgranting asecurity interest is a condition for the creditcard and youintend to grant asecurity interest. Youacknowledge and agree that your pledgedoesnot applyduringany periods when youare a coveredborrowerunder the Military LendingAct.For clarity, youwillnot be deemed a coveredborrower, andyour pledge willapply, if: (i) you become obligatedona credit transaction orestablish an account for credit when youare not a coveredborrower;
or (ii) youceaset ob eac overedborrower.
Security Interest Acknowledgement andAgreement Date
X (Seal)Security Interest Acknowledgement andAgreement Date
X (Seal)
SIGNATURES
By signing or otherwise authenticating below:
1. You promise that everythingyou have statedin thisapplicationis correct to the bes to fyourknowledge,andthatthe above informationis a complete listing of whatyou owe. If there are any importantchangesyouwillnotify us in writingimmediately. Youauthorize the Credit Unionto obtain creditreports in connection with thisapplicationforcreditandfor anyupdate, increase, renewal, extension, or collection of the credit received. You understandthat the Credit Unionwillrelyonthe informationin thisapplication andyourcreditreportt om a k ei t sdecision.I fyou request,theCredit Unionwilltell youthenameand address of any creditbureau from which it receivedacreditreportonyou.Itis a crime to willfully and deliberately provide incomplete or incorrect information in this applicati on. 2.If you are applyingforacredit card,you understandthattheuse of yourcardwillconstitute acknowledgment of receiptand agreement totheterms
of the Consumer Credit CardAgreement andDisclosure.
Applicant�s Signature Date
X (Seal)OtherSignature Date
X (Seal)
CREDIT UNION USE ONLY
DATE APPROVED
DECLINEDAPPROVED
LIMITS:SIGNATURE
$LINE OFCREDIT
$OTHER
$OTHER
$DEBT RATIO/SCORE
BEFORE AFTER
(Adverse ActionNotice Sent)
LOAN OFFICER COMMENTS:
Credit Committee or Loan Officer Signatures
Date
X (Seal)Date
X (Seal)APPLICATION ANDSOLICITATIONDISCLOSUREVISA PLATINUM
Interest Ratesand Interest Charges
Annual Percentage Rate (APR) for Purchases
APR forBalance Transfers 13.25%, 17.25% or 18.00% , when you open your account, based on your 
creditworthi ness . This APR will  vary with the market based on the Prime Rate. 
APR forCash Advances 13.25%, 17.25% or 18.00% , when you open your account, based on your 
creditworthin ess. 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 returnedHow Long Will the Penalty APR Apply?If yourAPRs are increased forthisreason,the Penalty APR will apply until youmakesix (6) consecutive minimum payments when due. 
How toAvoid Paying Interest on Purchases Yourduedate is at least 25daysafter the close of each billing cycle.We willnot chargeyou anyinterest on purchases ifyou payyour entire balance by the duedate each month.
For CreditCard Tips from the ConsumerFinancial Protection BureauTo learn more about factors to consider when applying for or using acredit card, visit the website of the Consumer F inancial Protection Bureau at http://www.consumerfinance.gov/learnmore.
Fees
Transaction Fees- Foreign Transaction Fee 3.00%of each transaction in U.S. dollarsPenalty Fees
Up to$27.00 -Late Payment Fee- Returned Payment Fee Up to$27.00
How W e Will C alculate Your B alance:
We us e a m ethod called "average dai ly balance (in cluding new purc hases )."
Application of Penalty APR:
Your APR may be increased to the disclosed Penalty APR if you are 60 days late in m aking a payment or make a payment that is  returned.  If your APRs 
are inc reased for this reason, th e Penalty APR will app ly until yo u make six (6) consecutive minimum payments when due.
Effective  Date:
The information about the costs of the card described  in this applicatio n is accurate as of: December 1 1, 2020. This informat ion may have changed after 
that date. To find out what may have changed, contact the Credit Union.
For California Bo rrowers, th e VISA Platinum  is a secu red credit card. Credit extende d under t his credit card account is secu red by 
various p ersonal pr operty a nd m oney inc luding, but not limited to: ( a) an y goods y ou purch ase with t his account, (b) any shares 
you specifically ple dge as c ollateral for t his account on a sep arate Ple dge o f Shares, (c) a ll shares y ou h ave in any indiv idual or joint 
account with th e Credit U nion excluding shares in an Indivi dual Reti remen t Account or in any o ther account th at would lose special 
tax treatmen t under state or fed eral la w, and (d) c ollateral securing other loans y ou h ave with the Credit U nion excluding dwellings. 
Notwithstanding the foregoing, you acknowle dge a nd agree that dur ing any periods when y ou are a co vered borrower under the 
Military Lending Act yo ur credit card will be secu red by any sp ecific Ple dge o f Shares y ou g rant us but will not b e secu red by a ll 
shares y ou h ave in any indiv idual o r joint account with th e Credit U nion. For cla rity, y ou will not be d eemed a co vered borrower if: (i) 
you establish y our credit card account when you are not a covered borrower; or ( ii) you cease t o be a co vered borrower.  
Other F ees & Disclosures: 
Up to $27. 00 or t he amount of t he required m inimum pay ment, whic hever is less, 
if your payment has not been rec eived by t he third c alendar day of t he month  
$7.00. Returned Payment Fee: Up to $27.00 or the amount of the required minimum payment, whichever is less. 
d Replacement Fee: 
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 02105204-MXC10-C-1-062117 (MXC101-E)10.25%, 13.25% or 17.25%, when you open your account, based  on 
your creditworthiness. This APR will vary with the market based on the Prime Rate.