�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03118559-MXC10-C-1-052421 (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.
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
Transaction Fees
- Cash Advance Fee $5.00  or2.00%  of the amount of each cash advance, whichever is greater
(Maximum Fee: $25.00 )
-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 $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash
advances)."
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, theWorld MasterCard isasecured credit card. 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 inany individual orjoint account with theCredit Union excluding
shares inanIndividual Retirement Account orinanyother account that would lose special taxtreatment 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 :
$25.00 ortheamount oftherequired minimum payment, whichever isless, ifyouareoneormore days lateinmaking a
payment.
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03118559-MXC10-C-1-052421 (MXC102-E)Cash Advance Fee (Finance Charge) :
$5.00  or2.00%  of the amount of each cash advance, whichever is greater, howe ver, the fee will never exceed $25.00 .
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less.
Card Replacement Fee :
$10.00 .
Pay-by-Phone Fee :
$5.00 .
Rush Fee :
$15.00  overnight .
Statement Copy Fee :
$10.00 .
Minimum Payment:
TheMinimum Payment Due is ofYourtotal New Balance, or ,whichever isgreater, plus anyamount past
dueandanyamount bywhich You have exceeded Your applicable credit limit. IfYourtotal New Balance isless than
$25.00, then Your Minimum Payment Due is the amount of the total New Balance.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated .