9009 SYM FI17619 Rev 2 -201 5 COPYRIGHT 2009 Securian Financial G roup, Inc. All rights reserved. 
Mazuma Credit Union 
 
www.mazuma.org 
IMPORTANT CREDIT CARD DISCLOSURES 
The following disclosure represents important detai ls concerning your credit card. The information abo ut costs of the card is 
accurate as of _______________. You can contact us toll free at the number or address above to inquire  if any changes 
occurred since the effective date. 
INTEREST RATES and INTEREST CHARGES:
Annual Percentage Rate (APR) for 
Purchases & Balance Transfers 0% Introductory APR for _____ months. 
After that, your Standard APR will be 
9.90 %, 11.90%, 14.90%, or 18.90%
depending on your credit history. 
APR for Cash Advances 9.90%, 11.90%, 14.90%, or 18.90% depending on your credit history. 
Paying Interest Your due date is at least 21 days after the date of y our billing statement. We 
will not charge you interest on purchases if you pay your entire new 
purchase balance by the due date each month. We wil l begin charging 
interest on cash advances an d balance transfers on the date the cash 
advance or balance transfer is posted to your account. 
Minimum Interest Charge None 
For Credit Card Tips from the 
Consumer Financial Protection 
Bureau 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: 
Fees to Open or Maintain your 
Account 
�Annual Fee: 
�Application Fee: None 
None 
Transaction Fees 
�Balance Transfer: 
�Cash Advance: 
�Foreign Transaction: None 
None 
None 
Penalty Fees 
�Late Payment: 
�Over-the-Credit Limit: 
�Returned Payment: $15 .00 if the minimum payment is more than $25.00, or $5.00 if the 
minimum payment is $25 .00 or less. 
None 
$15.00 , plus the actual amount of any charges assessed ag ainst us by 
another financial institution for processing a refus ed check, share draft, or 
other payment method used by you for payment on your a ccount. 
How We Will Calculate Your Balance:  We use a method called "average daily balance (excl uding new purchases)." 
Loss of Introductory Rate:  There will be no loss of the Introductory APR durin g the first _____ months. 7260 W. 135th Street 
Overland Park, KS 66223 
(913) 574.5000  (888) 361.4194