�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03105847-MXC10-P-1-052920 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesVisa
Standard Mastercard
APR for Balance Transfers Visa
Standard Mastercard
APR for Cash Advances Visa
Standard 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.
Minimum Interest Charge If you are charged interest, t he charge will be no less than $0.50 .
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
Annual Fee
- Annual Fee None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee $10.00  or3.00%  of the amount of each cash advance, whichever is greater
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Up to $25.00
- Returned Payment Fee Up to $28.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash
advances)."
Minimum Interest Charge :
The minimum interest charge will be charged on any dollar amount .
Effective Date:
The information about the costs of the card described in this application is accurate as of :
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03105847-MXC10-P-1-052920 (MXC101-E)This information may have changed after that date. To find out what may have changed, contact the Credit Union.
ForCalifornia Borrowers, theVisa and Standard 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)anyshares you specifically pledge ascollateral forthis account ona
separate Pledge ofShares, (c)allshares you have inany individual orjoint account with theCredit Union
excluding shares inanIndividual Retirement Account orinany other account that would lose special tax
treatment 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 when
you areacovered borrower under theMilitary Lending Act your credit card will besecured byany specific
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, ifyouarethree ormore days lateinmaking a
payment.
Cash Advance Fee (Finance Charge) :
$10.00  or3.00%  of the amount of each cash advance, whichever is greater.
Returned Payment Fee :
$28.00 or the amount of the required minimum payment, whichever is less.
Master card and the Master card Brand Mark are registered trademarks of Master card International Incorporated.