APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

 Introductory APR, for qualifying members, for one year from

account opening.

After that, or if you do not qualify for the Introductory APR, your APR will be

 to

, based on your creditworthiness. This APR

will vary with the market based on the Prime Rate.

APR for Balance Transfers

Introductory APR, for qualifying members, for one year from

account opening.

APR for Cash Advances

Penalty APR and When it Applies

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
For Credit Card Tips from the
Consumer Financial Protection Bureau

After that, or if you do not qualify for the Introductory APR, your APR will be
, based on your creditworthiness. This APR will vary with

 to

the market based on the Prime Rate.

Introductory APR, for qualifying members, for one year from

account opening.

After that, or if you do not qualify for the Introductory APR, your APR will be
, based on your creditworthiness. This APR will vary with

to

the market based on the Prime Rate.

Your 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.

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
None

Up to $25.00
None
Up to $25.00

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

01301054-MXC10-C-1-100621 (MXC102-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.

For California Borrowers, the Mastercard is a secured credit card. 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.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a
payment.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Document Copy Fee:
$5.00.

Statement Copy Fee:
$5.00.

Expedited 2-day Replacement Card Fee:
$35.00.

Expedited 1-day Replacement Card Fee:
$55.00.

Research Fee:
$30.00 per hour (minimum fee of $30.00).

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

01301054-MXC10-C-1-100621 (MXC102-E)