� CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03710779-MXC10-P-1-120321 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesRegular 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.
Secured Platinum MasterCard
 to ,based on your creditworthiness.
APR for Cash Advances 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
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
- Additional Card Fee None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
-Foreign Transaction Fee 2.00%  of each transaction in U.S. dollars
- Transaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $25.00
- Over-the-Credit Limit Fee None
- Returned Payment Fee Up to $25.00
SEE NEXT PAGE for more important information about your account. � CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03710779-MXC10-P-1-120321 (MXC102-E)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.
ForCalifornia Borrowers, theRegular Platinum MasterCard and Secured Platinum MasterCard aresecured credit
cards. Credit extended under this credit card account issecured byvarious personal property and money
including, butnotlimited to:(a)any goods you purchase with this account, (b)any shares you specifically
pledge ascollateral forthis account onaseparate Pledge ofShares, (c)allshares you have inanyindividual or
joint account with theCredit Union excluding shares inanIndividual Retirement Account orinanyother account
that would lose special taxtreatment under state orfederal law, and (d)collateral securing other loans you have
with the Credit Union excluding dwellings.
Other Fees & Disclosures:
Late Payment Fee:
$25.00 ortheamount oftherequired minimum payment, whichever isless, ifyouare10ormore days lateinmaking 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.
Masterc ardis a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.