APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Visa Rate Platinum

 to

Visa Reward Platinum

 to

, based on your creditworthiness.

, based on your creditworthiness.

MasterCard Reward Platinum
 to

, based on your creditworthiness.

APR for Balance Transfers

Visa Rate Platinum

 Introductory APR for a period of six billing cycles.

After that, your APR will be
creditworthiness.

Visa Reward Platinum

 to

, based on your

 Introductory APR for a period of six billing cycles.

After that, your APR will be
creditworthiness.

 to

, based on your

MasterCard Reward Platinum

 Introductory APR for a period of six billing cycles.

APR for Cash Advances

After that, your APR will be
creditworthiness.
Visa Rate Platinum
to

, based on your creditworthiness.

 to

, based on your

Visa Reward Platinum

to

, based on your creditworthiness.

MasterCard Reward Platinum

to

, based on your creditworthiness.

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
Annual Fee
- Annual Fee

None

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04502957-MXC10-P-2-073117 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee - Visa Rate
Platinum, Visa Reward Platinum
- Foreign Transaction Fee - MasterCard
Reward Platinum
Penalty Fees
- Late Payment Fee
- Returned Payment Fee

None
None
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
1.00% 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

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  05/01/2018  until 
05/31/2018.

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  Visa  Rate  Platinum,  Visa  Reward  Platinum  and  MasterCard  Reward  Platinum  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 three or more days late in making a 
payment.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Returned Convenience Check Fee:
$25.00 or the amount of the returned convenience check, whichever is less.

Card Replacement Fee:
$5.00.

Rush Fee:
$25.00.

Statement Copy Fee:
$5.00.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04502957-MXC10-P-2-073117 (MXC101-E)