� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 02101062-MXC10-C-1-072621 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases 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  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 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
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.
Minimum Interest Charge None
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
Transaction Fees
- Balance Transfer Fee $5.00  or3.00%  of the amount of each balance transfer, whichever is greater
- Cash Advance Fee $5.00  or3.00%  of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
- Transaction Fee for Purchases None
Penalty Fees
- Late Payment Fee Up to $40.00
- Returned Payment Fee Up to $40.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and 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 Platinum Mastercard is a secured credit card. 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 :
$29.00 or the amount of the required minimum payment, whichever is less, if your payment is not made by the next
Statement Date. In the event you fail to make a payment on time in any of the six billing cycles following a violation, you
will be charged $40.00 or the amount of the required minimum payment, whichever is less.
SEE NEXT PAGE for more important information about your account. � CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 02101062-MXC10-C-1-072621 (MXC102-E)Balance Transfer Fee (Finance Charge) :
$5.00  or3.00%  of the amount of each balance transfer, whichever is greater.
Cash Advance Fee (Finance Charge) :
$5.00  or3.00%  of the amount of each cash advance, whichever is greater.
Returned Payment Fee :
$29.00 ortheamount oftherequired minimum payment, whichever isless. Intheevent apayment isreturned inthesame
orinanyofthesixbilling cycles following aviolation, youwillbecharged $40.00 ortheamount oftherequired minimum
payment, whichever is less.
Card Replacement Fee :
$10.00.
Rush Fee :
$35.00.
Statement Copy Fee :
$5.00 per document.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated .