� CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 14900170-MXC10-P-1-032422 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesMastercard Low-Variable
 to ,when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Mastercard Variable Rewards
 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 Mastercard Low-Variable
 to ,when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Mastercard Variable Rewards
 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 Mastercard Low-Variable
to ,when you open your account, based on your
creditworthiness. This APR will vary with the market based on the Prime
Rate.
Mastercard Variable Rewards
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 Mastercard Low-Variable
Mastercard Variable Rewards
Paying Interest We will begin charging you interest on purchases on the transaction date.
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  completed outside the U.S.
1.00% of each transaction in U.S. dollars completed in a foreign currency
- Transaction Fee for Purchases $5.00  or3.00%  of the amount of each transaction, whichever is greater
SEE NEXT PAGE for more important information about your account. � CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 14900170-MXC10-P-1-032422 (MXC102-E)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.
For California Borrowers, theMastercard Low-Variable and Mastercard Variable Rewards 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, ifyouare11ormore days lateinmaking a
payment.
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.
Transaction Fee for Purchases (Finance Charge) :
$5.00  or3.00%  of the amount of each purchase, whichever is greater.
Returned Payment Fee:
$25.00  or the amount of the required minimum payment, whichever is less.
Returned Convenience Check Fee :
$25.00  or the amount of the returned convenience check, whichever is less.
Card Replacement Fee :
$7.00.
Emergency Card Replacement Fee:
$35.00.
Pay-by-Phone Fee :
$25.00.
PIN Replacement Fee:
$35.00.
Rush Fee:
$35.00.
Statement Copy Fee:
$3.00 per document.
Masterc ardis a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.