Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

F1 
APPLICATION AND SOLICITATION DISCLOSURE 

RateFirst MasterCard 
F2          to F3          when you open your account, based
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 

RewardsFirst MasterCard 
F4          to F5          when you open your account, based
on your creditworthiness. This APR will vary with the market based on 
the Prime Rate. 
RateFirst MasterCard 
F6  

 Introductory APR for a period of six billing cycles. 

After that your APR will be F7          to F8         , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

RewardsFirst MasterCard 
F9  

 Introductory APR for a period of six billing cycles. 

After that your APR will be F10        to F11        , based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
RateFirst MasterCard 
F12        to F13        when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 

Penalty APR and When it Applies 
How to Avoid Paying Interest on Purchases  Your due date is at least 25 days after the close of each billing cycle. 

RewardsFirst MasterCard 
F14        to F15        when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the 
Prime Rate. 
F16    

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

04802550-MXC40-C-1-062316 (MXC403 CCM003)-e

SEE NEXT PAGE for more important information about your account. 

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Application Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F17           
F18           

F19           
F20           
F21        of each transaction in U.S. dollars 
F22           

Up to F23            
Up to F24           

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 F25                        , until F26                       . Any existing balances on current Verve, a Credit Union 
credit card and/or loan accounts are not eligible for this balance transfer introductory APR. 

Effective Date:  
The information about the costs of the card described in this application is accurate as of F27                            .  
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Card Replacement Fee 
Additional Rush Fee 
Design Your Own Card 

F28        or the amount of the required minimum payment, whichever is 
less, if you are five or more days late in making a payment. 
F29        or the amount of the required minimum payment, whichever is 
less. 
F30        per document 
F31        per document 
F32           
F33           
F34           

04802550-MXC40-C-1-062316 (MXC403 CCM003)-e