APPLICATION AND
SOLICITATION
DISCLOSURE

RATEFIRST MASTERCARD/REWARDSFIRST MASTERCARD

RateFirst Mastercard
10.15% 19.15%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

RewardsFirst Mastercard
12.15% 21.15%
 to
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

RateFirst Mastercard
10.15%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

19.15%

 to

 to

21.15%

, when you open your account, based on your

RewardsFirst Mastercard
12.15%
creditworthiness. This APR will vary with the market based on the Prime
Rate.
RateFirst Mastercard
10.15%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

19.15%

to

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

APR for Balance Transfers

APR for Cash Advances

RewardsFirst Mastercard
12.15%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

21.15%

to

Penalty APR and When it Applies

RateFirst Mastercard
None

RewardsFirst Mastercard
None

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.

Fees
Set-up and Maintenance Fees
- Annual Fee
- Application Fee

None
None

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

SEE NEXT PAGE for more important information about your account.

10.01.2018

04802550-MXC10-P-1-092617 (MXC101-E)

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

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)."

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.

October 1, 2018

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

10.01.2018

04802550-MXC10-P-1-092617 (MXC101-E)