APPLICATION AND
SOLICITATION
DISCLOSURE

EGLIN PLATINUM MASTERCARD
EGLIN PLATINUM REWARDS MASTERCARD

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Eglin Platinum Mastercard
 to

, based on your creditworthiness.

Eglin Platinum Rewards Mastercard

 to

, based on your creditworthiness.

APR for Balance Transfers

Eglin Platinum Mastercard

 to

, based on your creditworthiness.

APR for Cash Advances

Eglin Platinum Rewards Mastercard

 to

, based on your creditworthiness.

Eglin Platinum Mastercard

to

, based on your creditworthiness.

Eglin Platinum Rewards Mastercard

to

, based on your creditworthiness.

Penalty APR and When it Applies

Eglin Platinum Mastercard

Eglin Platinum Rewards Mastercard

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial Protection Bureau

Your due date is at least 24 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.

None
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

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None

None
None
1.10% of each international transaction in U.S. dollars

Up to $20.00
None
Up to $28.00

How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00904672-MXC10-C-1-040717 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

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.

The APR is determined at account opening and is based on the applicant’s credit score. Eglin Federal Credit Union
reserves the right to change fees and APR after giving you any advance notice required by law.

For California Borrowers, the Eglin Platinum Mastercard and Eglin Platinum Rewards 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:
$20.00 or the amount of the required minimum payment, whichever is less, if you are 12 or more days late in making a
payment.

Returned Payment Fee:
$28.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$5.00.

Document Copy Fee:
$1.00 per page.

Rush Fee:
$35.00 plus shipping charges.

Statement Copy Fee:
$1.00 per page.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

00904672-MXC10-C-1-040717 (MXC101-E)