�CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03710779-MXC10-P-1-012518 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesRegular Platinum MasterCard
 to , based on your creditworthiness.
Secured Platinum MasterCard
 to , based on your creditworthiness.
APR for Balance Transfers Regular Platinum MasterCard
 to , based on your creditworthiness.
Secured Platinum MasterCard
 to , based on your creditworthiness.
APR for Cash Advances Regular Platinum MasterCard
to , based on your creditworthiness.
Secured Platinum MasterCard
to , based on your creditworthiness.
Penalty APR and When it Applies Regular Platinum MasterCard
Secured Platinum MasterCard
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
Set-up and Maintenance Fees
- Annual Fee None
- Additional Card Fee None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
- Foreign Transaction Fee 2.00% of each transaction in U.S. dollars
- Transaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $25.00
- Over-the-Credit Limit Fee None
- Returned Payment Fee Up to $25.00
SEE NEXT PAGE for more important information about your account.REGULAR PLATINUM MASTERCARD/SECURED PLATINUM
MASTERCARD
8.99% 15.99%
6.99% 15.99%
8.99% 15.99%
6.99% 15.99%
8.99% 15.99%
6.99% 15.99%
None
None �CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03710779-MXC10-P-1-012518 (MXC101-E)How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash
advances)."
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 Regular Platinum MasterCard and Secured Platinum 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 10 or more days late in making a
payment.
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee :
$5.00.
Document Copy Fee :
$5.00.
Pay-by-Phone Fee :
$10.00.
Statement Copy Fee :
$5.00.
Unreturned Card Fee :
None.
Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.January 29, 2018