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IMPORTANT: Please detach and retain the section below for your records.

MEMBER INFORMATION

Full legal name:

Social Security number: Date o birth:

My signature indicates that I am aware that i I use the Pentagon Federal Credit Union (Pen-Fed) credit card account, authorize its use, or do not cancel it within 30 days afer the card isreceived, the PenFed agreement provided with the card is binding on me. I AUTHORIZE A SECU-RITY INTEREST IN MY PENFED SHARE ACCOUNT AND ANY OTHER PENFED ACCOUNTS I MAYHAVE (EXCLUDING MY IRA ACCOUNTS) UP TO THE AMOUNT OF MY OUTSTANDING BALANCE TOPROTECT PENFED IF I DEFAULT ON ANY CREDIT EXTENDED OR CASH ADVANCED UNDER THIS/THESE ACCOUNTS.

Signature: Date:

Mailing address:

Day phone: Evening phone:

Email address:

Annua l income*: $ Monthly housing pmnt: $

Employer name:

Years there: Are you sel employed?Yes No

Job title/rank: Not employed Student

*Note: Alimony, child support or separate maintenance income need not be revealed i you do notwish to have it considered as a basis or repaying this obligation.

ADDITIONAL C ARDHOLDERS (optional)

Full legal name:

Social Security number: Date o birth:

By signing below, I understand and agree that in the event o the death o the membercardholder(s), the additional card assigned to me is no longer valid. Any subsequent chargesincurred by me, including recurring charges and charges made without the use o the card,become my responsibility to repay.

Signature:

Relationship to member:

JOINT APPLICANT IN FORMATION optional

Full legal name:

Social Security number: Date o birth:

My signature indicates that I am aware that i I use the Pentagon Federal Credit Union Fed) credit card account, authorize its use, or do not cancel it within 30 days afer the creceived, the PenFed agreement provided with the card is binding on me. I AUTHORIZE A SRITY INTEREST IN MY PENFED SHARE ACCOUNT AND ANY OTHER PENFED ACCOUNTS IHAVE (EXCLUDING MY IRA ACCOUNTS) UP TO THE AMOUNT OF MY OUTSTANDING BALANPROTECT PENFED IF I DEFAULT ON ANY CREDIT EXTENDED OR CASH ADVANCED UNDERTHESE ACCOUNTS.

Signature: Date:

Mailing address:

Day phone: Evening phone:

Email address:

Annua l income*: $ Monthly housing pmnt: $

Employer name:

Years there: Are you sel employed?Yes No

Job title/rank: Not employed Stu

*Note: Alimony, child support or separate maintenance income need not be revealed i you dwish to have it considered as a basis or repaying this obligation.

Full legal name:

Social Security number: Date o birth:

By signing below, I understand and agree that in the event o the death o the memcardholder(s), the additional card assigned to me is no longer valid. Any subsequent chincurred by me, including recurring charges and charges made without the use o the become my responsibility to repay.

Signature:

Relationship to member:

OFFICE

USEMember number: Credit card account number: Application number: Card Serv

A

B

C

D

PenFed Platinum Rewards Visa Card or PenFed Platinum Rewards Visa Signature Card

PenFed Platinum Rewards Visa Card or PenFed Platinum Rewards Visa Signature Card

INTEREST RATES AND INTEREST CHARGES

Annual Percentage Rate (APR)For Purchases And Cash Advances 9.99%*introductory rate through June 30, 2014. After that, your APR will vary w ith the market based on the Prime Rate.APRs For Balance Transfer

4.99%promotional rate for life of the balance on transfers made between April 1, 2013 and June 30, 2013. 1After June 30, 2013, the APR for new balance transfers will varwith the market based on the Prime Rate, and is currently 9.99%.

Penalty APR And When It Applies17.99% If your minimum payment is not received within 60 days, your entire account is subject to change to the non-variable Penalty APR. The Penalty APR will remain inplace until you make three consecutive monthly payments on or before the due date.

How To Avoid PayingInterest On Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month

Minimum Interest Charge None

For Credit Card Tips From TheConsumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau website athttp://www.consumerfnance.gov/learnmore

FEES

Annual Fee None

Transaction Fees

Balance Transfer 3%(minimum $10, maximum $250) per transaction 2

Cash Advance None

Foreign Transaction None

Penalty Fees

Late Payment Up to $10if balance is less than $1000, Up to $20if balance is $1000-$2000, Up to $25if balance is greater than $2000Over Credit Limit None

Returned Payment Up to $25

2013 Pentagon Federal Credit Union. All rights reserved. Form 363 Visa Platinum Rewards

How We Calculate Your Balance:We use a method called average daily balance (including new purchases). See your account agreement for more details. Billing Rights:Information on your rights to dispute transaand how to exercise those rights is provided in your account agreement. Balance Transfers:1This transaction is subject to credit approval. 2There is no balance transfer fee on transfers made between April 1, 2013 and Ju2013. Promotional APR offer ends June 30, 2013. Loss of Balance Transfer APR:We may end your promotional Balance Transfer APR and apply the Penalty APR if we do not receive your payment within 60 days of thdate. Platinum Rewards: Cash advances, credit card checks, balances transfers and account fees are excluded from earning Platinum Rewards points. If your acount is closed, accrued points may be forfeited. PenFed rethe right to modify this program at any time. Other Notes:Terms, conditions and restrictions apply to the use of this card. Refer to the Cardholder Agreement at PenFed.org for more details. The information on this discloscurrent as of April 2013, but is subject to change. To determine if any changes have occurred since this date, call 800-247-5626. *How the Annual Percentage Rate (APR) on Purchases and Cash AdvancCalculated During the Int roductory Period: The variable introductory APR is based on the U.S. Prime Rate (Prime Rate) plus a margin of 6.74% and has a cap of 9.99% on all new purchases and cash advancesPrime Rate decreases, the APR will also decrease. If the Prime Rate increases, the APR will not increase above the cap of 9.99%. How the Annual Percentage Rate (APR) on Purchases and Cash AdvancCalculated After the Introductory Period ends on June 30, 2014: The cap will be removed, so that if the Prime Rate increases, the APR on any existing balances, new purchases and new cash advances may incabove 9.99% star ting July 1, 2014.Annual Percentage Rate (APR) on Purchases and Cash Advances: Your APR can change in Janua ry and July of each year. Ohio Residents: The Ohio laws against discrimrequire that all creditors make credit equally available to all credit worthy customers, and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission admincompliance with this law. Wisconsin Residents:No provision of a marital property agreement, unilateral statement or court decree adversely affects the interest of the creditor unless the creditor, prior to the time the crgranted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision when the obligation to the creditor is incurred.