APPLICATION AND
SOLICITATION
DISCLOSURE

RateFirst Mastercard

 to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

RewardsFirst Mastercard
 to

creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

APR for Balance Transfers

RateFirst Mastercard

 Introductory APR for a period of

 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

 to

APR for Cash Advances

RewardsFirst Mastercard

 Introductory APR for a period of

 billing cycles.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.
RateFirst Mastercard

, based on your

 to

to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

RewardsFirst Mastercard

to

, when you open your account, based on your

creditworthiness. This APR will vary with the market based on the Prime
Rate.

Penalty APR and When it Applies

RateFirst Mastercard

RewardsFirst Mastercard

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

Your 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.

To 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.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04802550-MXC10-C-2-090817 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Fees
Set-up and Maintenance Fees
- Annual Fee
- Application Fee

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

None
None

None
$5.00
1.00% of each transaction in U.S. dollars
None

Up to $25.00
Up to $25.00

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 from

until
. Any existing balances on Verve, a Credit Union loan or credit card accounts are not eligible for the

Introductory APR for balance transfers.

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 RateFirst Mastercard and RewardsFirst Mastercard 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. Notwithstanding the foregoing, you acknowledge and agree that during any periods
when you are a covered borrower under the Military Lending Act your credit card will be secured by any specific
Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account
with the Credit Union. For clarity, you will not be deemed a covered 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:
$25.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a
payment.

Cash Advance Fee (Finance Charge):
$5.00.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Document Copy Fee:
$2.00 per document.

Statement Copy Fee:
$2.00 per document.

Design Your Own Card:
$10.00.

Convenience Check Stop Payment Fee:
$32.00.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04802550-MXC10-C-2-090817 (MXC101-E)