APPLICATION ANDSOLICITATIONDISCLOSURE
Interest Rates and Interest ChargesAnnual Percentage Rate (APR) forMastercard StandardPurchases
3.99%  Introductory APR for a period of six billing cycles.After that, your APR will be
7.75% to17.95% , based on your creditworthiness. This APR will vary with the market based on the PrimeRate.Mastercard Rewards
10.15% to17.95% , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Mastercard World Card
12.99% to17.95% , when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.APR for Balance TransfersMastercard Standard3.99% Introductory APR for a period of six billing cycles.After that, your APR will be7.75% to17.95%, based on your creditworthiness. This APR will vary with the market based on the PrimeRate.Mastercard Rewards10.15% to17.95%, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Mastercard World Card12.99% to17.95%, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
SEE NEXT PAGE for more important information about your account.
04501990-MXC10-P-1-051820 (MXC101-E) APR for Cash AdvancesMastercard Standard7.75%to17.95%, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Mastercard Rewards10.15%to17.95%, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Mastercard World Card12.99%to17.95%, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Penalty APR and When it Applies Mastercard Standard17.95%Mastercard Rewards17.95%Mastercard World Card17.95%This 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 six consecutiveminimum payments when due.How to Avoid Paying Interest onYour due date is at least 25 days after the close of each billing cycle. We willPurchasesnot charge you any interest on purchases if you pay your entire balance bythe due date each month.Minimum Interest ChargeNoneFor Credit Card Tips from theTo learn more about factors to consider when applying for or using aConsumer Financial Protection Bureau credit card, visit the website of the Consumer Financial ProtectionBureau at http://www.consumerfinance.gov/learnmore.FeesTransaction Fees- Foreign Transaction Fee1.00% of each transaction in U.S. dollars Penalty Fees- Late Payment FeeUp to$28.00 - Returned Payment FeeUp to$28.00 How We Will Calculate Your Balance:We use a method called
"average daily balance (including new purchases)."Promotional Period for Introductory APR - Mastercard Standard:The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the firstsix billing cycles following issuance of your card. Any existing balances on 1st Advantage Federal Credit Union loan orcredit card accounts are not eligible for the Introductory APR for balance transfers.Loss of Introductory APR:We may end your Introductory APR for purchases and balance transfers and apply the prevailing non-introductory APR ifyou are 60 days late in making a payment.Application of Penalty APR:Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.
� CUNA Mutual Group 2009, 10, 12, 16 All Rights ReservedSEE NEXT PAGE for more important information about your account.
04501990-MXC10-P-1-051820 (MXC101-E) Effective Date:The information about the costs of the card described in this application is accurate as of: 6/1/2020 This information may have changed after that date. To find out what may have changed, contact the Credit Union.For California Borrowers, the Mastercard Standard, Mastercard Rewards and Mastercard World Card are securedcredit cards. Credit extended under this credit card account is secured by various personal property and moneyincluding, but not limited to: (a) any goods you purchase with this account, (b) any shares you specificallypledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual orjoint account with the Credit Union excluding shares in an Individual Retirement Account or in any other accountthat would lose special tax treatment under state or federal law, and (d) collateral securing other loans you havewith the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree thatduring any periods when you are a covered borrower under the Military Lending Act your credit card will besecured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in anyindividual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) youestablish your credit card account when you are not a covered borrower; or (ii) you cease to be a coveredborrower.Other Fees & Disclosures:Late Payment Fee:$28.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making apayment.Returned Payment Fee:$28.00 or the amount of the required minimum payment, whichever is less.Card Replacement Fee:$5.00.Rush Fee:$15.00 overnight.Statement Copy Fee:$3.00 per document.Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04501990-MXC10-P-1-051820 (MXC101-E)