� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 00901154-MXC10-C-1-092121 (MXC102-E)
APPLICATION ANDSOLICITATIONDISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) forPurchasesChildren�s Miracle Network Platinum
 to , based on your creditworthiness.Platinum Variable
 to , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Platinum Rewards
 to , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.
APR for Balance TransfersChildren�s Miracle Network Platinum to, based on your creditworthiness.Platinum Variable to, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Platinum Rewards to, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.
APR for Cash AdvancesChildren�s Miracle Network Platinumto, based on your creditworthiness.Platinum Variableto, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Platinum Rewardsto, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.
SEE NEXT PAGE for more important information about your account.CHILDREN�S MIRACLE NETWORK PLATINUM/PLATINUMVARIABLE/PLATINUM REWARDS
9.80% 12.25%7.15% 15.15%10.15% 17.15%
9.80% 12.25%7.15% 15.15%10.15% 17.15%9.80% 12.25%7.15% 15.15%10.15% 17.15% � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 00901154-MXC10-C-1-092121 (MXC102-E)Penalty APR and When it Applies Children�s Miracle Network PlatinumPlatinum VariablePlatinum RewardsThis 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 forthis reason, the Penalty APR will apply until you make two consecutiveminimum payments when due.
How to Avoid Paying Interest onPurchasesYour due date is at least 25 days after the close of each billing cycle. We willnot charge you any interest on purchases if you pay your entire balance bythe due date each month.
Minimum Interest Charge None
For Credit Card Tips from theConsumer Financial Protection BureauTo learn more about factors to consider when applying for or using acredit card, visit the website of the Consumer Financial ProtectionBureau at http://www.consumerfinance.gov/learnmore.
Fees
Set-up and Maintenance Fees
- Account Set-up FeeNone
- Program FeeNone
- Participation FeeNone
- Additional Card FeeNone
- Application FeeNone
Transaction Fees
- Balance Transfer FeeNone
- Foreign Transaction Fee1.00%of each transaction in U.S. dollars completed outside the U.S.1.00%of each transaction in U.S. dollars completed in a foreign currency
- Transaction Fee for PurchasesNone
Penalty Fees
- Late Payment Fee Up to $40.00
- Over-the-Credit Limit FeeNone
- Returned Payment Fee Up to $25.00
How We Will Calculate Your Balance:We use a method called "average daily balance (including new purchases)."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 described in this application is accurate as of:This information may have changed after that date. To find out what may have changed, contact the Credit Union.For California Borrowers, the Children�s Miracle Network Platinum, Platinum Variable and Platinum Rewards aresecured credit cards. Credit extended under this credit card account is secured by various personal property andmoney including, but not limited to: (a) any goods you purchase with this account, (b) any shares youspecifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in anyindividual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in anyother account that would lose special tax treatment under state or federal law, and (d) collateral securing otherloans you have with the Credit Union excluding dwellings.SEE NEXT PAGE for more important information about your account.17.99%17.99%17.99%
October 06, 2021 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 00901154-MXC10-C-1-092121 (MXC102-E)Other Fees & Disclosures:Late Payment Fee
:
$29.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making apayment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, youwill be charged $40.00 or the amount of the required minimum payment, whichever is less.Returned Payment Fee
:
$25.00 or the amount of the required minimum payment, whichever is less.Card Replacement Fee
:
$15.00.Document Copy Fee
:
None.Emergency Card Replacement Fee
:
None.PIN Replacement Fee
:
None.Rush Fee
:
None.Statement Copy Fee
:
None.Unreturned Card Fee
:
None.Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.