APPLICATION AND
SOLICITATION
DISCLOSURE

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Regular Platinum MasterCard
 to

, based on your creditworthiness.

Secured Platinum MasterCard
 to

, based on your creditworthiness.

APR for Balance Transfers

Regular Platinum MasterCard

 to

, based on your creditworthiness.

APR for Cash Advances

Secured Platinum MasterCard

 to

, based on your creditworthiness.

Regular Platinum MasterCard

to

, based on your creditworthiness.

Secured Platinum MasterCard

to

, based on your creditworthiness.

Penalty APR and When it Applies

Regular Platinum MasterCard

Secured Platinum MasterCard

How to Avoid Paying Interest on
Purchases

For Credit Card Tips from the
Consumer Financial Protection Bureau

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.

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
Set-up and Maintenance Fees
- Annual Fee
- Additional Card Fee

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee
- Transaction Fee for Purchases

Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

None
None

None
None
2.00% of each transaction in U.S. dollars
None

Up to $25.00
None
Up to $25.00

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

03710779-MXC10-P-1-120321 (MXC102-E)

SEE NEXT PAGE for more important information about your account.

How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash
advances)."

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 Regular Platinum MasterCard and Secured Platinum 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.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a
payment.

Returned Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$5.00.

Document Copy Fee:
$5.00.

Pay-by-Phone Fee:
$10.00.

Statement Copy Fee:
$5.00.

Unreturned Card Fee:
None.

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

03710779-MXC10-P-1-120321 (MXC102-E)