�CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04501631-MXC10-C-2-060321 (MXC102-E)APPLICATION AND
SOLICITATION
DISCLOSURE
MASTERCARD PLATINUM PREFERRED
MASTERCARD PLATINUM CASH BACK
MASTERCARD PLATINUM REWARDSMASTERCARD
PLATINUM SECURED
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesMastercard Platinum Preferred
 to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Mastercard Platinum Rewards
 to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Mastercard Platinum Cash Back
 to , when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Mastercard Platinum Secured
APR for Balance Transfers Mastercard Platinum Preferred
Introductory APR for 12 months from account opening.
After that, your APR will be  to , based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Mastercard Platinum Rewards
Introductory APR for 12 months from account opening.
After that, your APR will be  to , based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Mastercard Platinum Cash Back
Introductory APR for 12 months from account opening.
After that, your APR will be  to , based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Mastercard Platinum Secured
Introductory APR for 12 months from account opening.
After that, your APR will be .
SEE NEXT PAGE for more important information about your account.
9.49% 18.99%
9.99% 19.49%
10.49% 19.99%
14.99%
3.99%
9.49% 18.99%
3.99%
9.99% 19.49%
3.99%
10.49% 19.99%
3.99%
14.99% �CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04501631-MXC10-C-2-060321 (MXC102-E)APR for Cash Advances
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
Annual Fee
- Annual Fee None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
- Foreign Transaction Fee 1.10%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to$20.00
- Over-the-Credit Limit Fee None
- Returned Payment Fee Up to$20.00
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted
to your account during the first 30 days following the opening of your account. Any existing balances on BayPort Credit
Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
For California Borrowers, the Mastercard Platinum Preferred, Mastercard Platinum Rewards, Mastercard Platinum
Cash Back and Mastercard Platinum Secured 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.
Other Fees & Disclosures:
LatePayment Fee:$20.00 or the amount of the required minimum payment, whichever is less, if your payment is not
received 5 days after your statement closing date.
Returned Payment Fee:$20.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee:$5.00.
Pay-by-Phone Fee:$10.00.
Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.Mastercard Platinum Preferred
9.49% to 18.99%, when you open your account, based on your 
creditworthiness. Thi s APR will vary with the market based on the Prime 
Rate.
Mastercard Platinum Rewards
9.99% to 19.49%, when you open your account, based on your 
creditworthiness. Thi s APR will vary with the market based on the Prime 
Rate.
Mastercard Platinu m Cash Back
10.49% to 19.99%, when you open your account, based on your 
creditworthiness. Thi s APR will vary with the market based on the Prime 
Rate.
Mastercard Platinu m Secured
14.99%
Effective Date: The information about the costs of the card described in this application is accurate as of: 07-01-22.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.