�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04802550-MXC10-P-1-092617 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesRateFirst Mastercard
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
RewardsFirst Mastercard
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
APR for Balance Transfers RateFirst Mastercard
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
RewardsFirst Mastercard
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
APR for Cash Advances RateFirst Mastercard
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
RewardsFirst Mastercard
to ,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 RateFirst Mastercard
RewardsFirst Mastercard
How to Avoid Paying Interest on
PurchasesYour 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.
For Credit Card Tips from the
Consumer Financial Protection BureauTo 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 None
- Application Fee None
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04802550-MXC10-P-1-092617 (MXC101-E)Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee $5.00
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
- Tra nsaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $25.00
- Returned Payment Fee Up to $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
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.
ForCalifornia Borrowers, theRateFirst Mastercard and RewardsFirst Mastercard aresecured credit cards. Credit
extended under this credit card account issecured byvarious personal property and money including, butnot
limited to:(a)anygoods you purchase with this account, (b)anyshares you specifically pledge ascollateral for
this account onaseparate Pledge ofShares, (c)allshares you have inany individual orjoint account with the
Credit Union excluding shares inanIndividual Retirement Account orinany other account that would lose
special taxtreatment under state orfederal law, and (d)collateral securing other loans you have with theCredit
Union excluding dwellings. Notwithstanding theforegoing, you acknowledge and agree that during any periods
whenyou areacovered borrower under theMilitary Lending Actyour credit card willbesecured byanyspecific
Pledge ofShares you grant usbutwillnotbesecured byallshares you have inany individual orjoint account
with theCredit Union. Forclarity, you willnotbedeemed acovered 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 :
$25.00 ortheamount oftherequired minimum payment, whichever isless, ifyouarefiveormore days lateinmaking a
payment.
Cash Advance Fee (Finance Charge) :
$5.00 .
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less.
Document Copy Fee :
$2.00  per document .
Statement Copy Fee :
$2.00  per document .
Design Your Own Card :
$10.00 .
Convenience Check Stop Payment Fee :
$32.00 .
Master card and the Master card Brand Mark are registered trademarks of Master card International Incorporated.