The following disclosure represents important details concerning your credit card. The information about costs of the card isaccurate as of _______________. You can contact us at (602) 631-3200, toll free at (800) 621-0287, or the address on page 1,to inquire if any changes occurred since the effective date.
INTEREST RATES and INTEREST CHARGES:Credit Union West Credit Card Agreement Pricing Addendum
Annual Percentage Rate (APR)for Purchases & BalanceTransfers
Your due date is at least 21 days after we mail your billing statement. We will notcharge you interest on purchases if you pay your entire new purchase balance by thedue date each month. We will begin charging interest on cash advances and balancetransfers on the date the cash advance or balance transfer is posted to your account.
For Credit Card Tips from theConsumer FinancialProtection BureauNone
NoneMinimum Interest ChargePaying Interest
Fees to Open or Maintain yourAccountFEES:
� Annual Fee:To learn more about factors to consider when applying for or using a credit card, visitthe website of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmoreMasterCard Platinum RewardsMasterCard Platinum
Up to $28.00 the first time your payment is late 2 days or more (fee will not exceedpayment if payment due is under $28.00). If you make a subsequent late paymentwithin the following 6 billing cycles, you will be charged up to $39.00 for each late payment (fee will not exceed payment if payment due is under $39.00).NoneUp to $28.00 the first time your payment is returned for any reason (fee will not exceedpayment if payment due is under $28.00). If a subsequent payment is returned for anyreason within the following 6 billing cycles, you will be charged up to $35.00 for each returned payment (fee will not exceed payment if payment due is under $35.00).None2.00% of the amount of each cash advance2.00%of each transaction in U.S. dollars� Late Payment:Transaction Fees
Penalty Fees� Balance Transfer:� Cash Advance:� Foreign Transaction:
How We Will Calculate Your Balance: We use a method called "average daily balance (including new trans actions)." See 
the "How We Calculate Interest" section of the Credit Car d Agreement for more details.� Over-the-Credit Limit:� Returned Payment:.9% to .%
depending on your credit history. ThisAPR will vary with the market based onthe Prime Rate.8.49% to .%
depending on your credit history. ThisAPR will vary with the market based onthe Prime Rate. APR for Cash Advances
_____% to _____% depending on yourcredit history. This APR will vary with themarket based on the Prime Rate._____% to _____% depending on yourcredit history. This APR will vary with themarket based on the Prime Rate.May 1, 2022
11.4924.008.4924.00