�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01301054-MXC10-C-1-100621 (MXC102-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases Introductory APR , for qualifying members,  foroneyear from
account opening.
After that , or if you do not qualify for the Introductory APR, your APR will be
 to ,based on your creditworthiness.  This APR
will vary with the market based on the Prime Rate.
APR for Balance Transfers Introductory APR , for qualifying members,  foroneyear from
account opening.
After that, or if you do not qualify for the Introductory APR,  your APR will be
 to ,based on your creditworthiness.  This APR will vary with
the market based on the Prime Rate.
APR for Cash Advances Introductory APR , for qualifying members,  foroneyear from
account opening.
After that ,or if you do not qualify for the Introductory APR, your APR will be
to ,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
Annual Fee
- Annual Fee None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
-Foreign Transaction Fee None
Penalty Fees
- Late Payment Fee Up to $25.00
- Over-the-Credit Limit Fee None
- Returned Payment Fee Up to $25.00
How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01301054-MXC10-C-1-100621 (MXC102-E)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, theMastercard 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 of
Shares, (c)allshares you have inany individual orjoint account with theCredit Union excluding shares inan
Individual Retirement Account orinany other account that would lose special taxtreatment under state or
federal law, and (d) collateral securing other loans you have with the Credit Union ex cluding dwellings .
Other Fees & Disclosures:
Late Payment Fee :
$25.00 ortheamount oftherequired minimum payment, whichever isless, ifyouareoneormore days lateinmaking a
payment .
Returned Payment Fee :
$25.00 or the amount of the required minimum payment, whichever is less.
Document Copy Fee :
$5.00 .
Statement Copy Fee :
$5.00 .
Expedited 2-day Replacement Card Fee :
$35.00 .
Expedited 1-day Replacement Card Fee :
$55.00 .
Research Fee :
$30.00 per hour (minimum fee of $30.00) .
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.