APPLICATION AND
SOLICITATION
DISCLOSURE

MASTERCARD PLATINUM PREFERRED
                         MASTERCARD PLATINUM REWARDS
MASTERCARD PLATINUM CASH BACK
                          MASTERCARD PLATINUM SECURED

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

Mastercard Platinum Preferred
 to
8.74%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

18.24%

Mastercard Platinum Rewards
 to
18.99%
9.49%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Mastercard Platinum Cash Back
 to
10.49%      19.99%
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, when you open your account, based on your

Mastercard Platinum Secured
14.99%

APR for Balance Transfers

Mastercard Platinum Preferred
3.99%

Introductory APR for 12 months from account opening.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

, based on your

18.24%

8.74%

 to

Mastercard Platinum Rewards
3.99%

 Introductory APR for 12 months from account opening.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

 to
 9.49%        18.99%

 , based on your

Mastercard Platinum Cash Back
3.99%

 Introductory APR for 12 months from account opening.

After that, your APR will be
creditworthiness. This APR will vary with the market based on the Prime
Rate.

 to
10.49%       19.99%

, based on your

Mastercard Platinum Secured
3.99%

 Introductory APR for 12 months from account opening.

After that, your APR will be

14.99%

.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04501631-MXC10-C-1-120717 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

APR for Cash Advances

Mastercard Platinum Preferred
8.74%  to  18.24%, when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.

Mastercard Platinum Rewards
9.49%  to  18.99%, when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.

Mastercard Platinum Cash Back                                                                
10.49%  to  19.99%, when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.

Mastercard Platinum Secured
14.99%

Penalty APR and When it Applies               None

How to Avoid Paying Interest on
Purchases

Minimum Interest Charge
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.

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
1.10% of each transaction in U.S. dollars

Up to $20.00
None
Up to $20.00

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 during the first 30 days
following the opening of your account. Any existing balances on loan or credit card accounts are not eligible for the
Introductory APR for balance transfers.

Effective Date:
The information about the costs of the card described in this application is accurate as of:  November 5, 2019
This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Mastercard Platinum Preferred, Mastercard Platinum Rewards, Mastercard Platinum
Cash Back and Mastercard Platinum Secured 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.
Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04501631-MXC10-C-1-120717 (MXC101-E)

SEE NEXT PAGE for more important information about your account.

borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you
grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union.
For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are
not a covered borrower; or (ii) you cease to be a covered borrower.

Other Fees & Disclosures:
Late Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less, if Your payment is not received five days after
statement closing date.

Returned Payment Fee:
$20.00 or the amount of the required minimum payment, whichever is less.

Card Replacement Fee:
$5.00.

Pay-by-Phone Fee:
$10.00.

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04501631-MXC10-C-1-120717 (MXC101-E)