� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 10429040-MXC10-C-1-090817 (MXC101-E)APPLICATION ANDSOLICITATIONDISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) forPurchasesPlatinum MasterCard Introductory APR for a period of 12 billing cycles.After that, your APR will be
to , based on your creditworthiness. This APR will vary with the market based on the PrimeRate.Platinum Rewards MasterCard Introductory APR for a period of 12 billing cycles.After that, your APR will be
to , based on your
APR for Balance TransfersPlatinum MasterCard Introductory APR for a period of 12 billing cycles.After that, your APR will be to, based on your creditworthiness. This APR will vary with the market based on the PrimeRate.Platinum Rewards MasterCard Introductory APR for a period of 12 billing cycles.After that, your APR will be to, based on your
APR for Cash AdvancesPlatinum MasterCardto, when you open your account, based on yourcreditworthiness. This APR will vary with the market based on the PrimeRate.Platinum Rewards MasterCardto, when you open your account, based on your
SEE NEXT PAGE for more important information about your account .PLATINUM MASTERCARD/PLATINUM REWARDSMASTERCARD/SECURED MASTERCARD
0.00%
9.24%  24.99%
0.00%
12.24%  26.99%
creditworthiness . This APR will vary with the mark et based on the Prime 
Rate.
Secured MasterCard
19.99%
This APR will vary with the market based on the Prime Rate.
0.00%
9.24% 24.99%
0.00%
12.24% 26.99%
creditworthiness. This APR will vary with the market based on the Prime 
Rate.
Secured MasterCard
19.99%
This APR will vary with the mark et bas ed on the Prime Rate.
22.74% 28.24%
22.74% 30.24%
creditworthines s. This APR will vary with the market based on the Prime 
Rate.
Secured MasterCard
25.49%
This APR will vary with the market based on the Prime Rate.
Rates Effective 03.17.2020 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 10429040-MXC10-C-1-090817 (MXC101-E)How to Avoid Paying Interest onPurchasesYour due date is at least 25 days after the close of each billing cycle. We willnot charge you any interest on purchases if you pay your entire balance bythe due date each month.
For Credit Card Tips from theConsumer Financial Protection BureauTo learn more about factors to consider when applying for or us ing a credit card, visit the website of the Consumer Financial ProtectionBureau at http://www.consumerfinance.gov/learnmore.
Fees
Transaction Fees
- Balance Transfer Fee$10.00 or3.00% of the amount of each balance transfer, whichever isgreater
- Cash Advance Fee$10.00 or4.00% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee - PlatinumMasterCard3.00% of each transaction in U.S. dollars - Foreign Transaction Fee - PlatinumRewards MasterCardNone- Foreign Transaction Fee - SecuredMasterCard1.00% of each transaction in U.S. dollars
Penalty Fees
- Late Payment FeeUp to$7.00
- Over-the-Credit Limit FeeUp to$25.00
- Returned Payment FeeUp to$25.00
How We Will Calculate Your Balance:We use a method called "average daily balance (including new pur chases)." Promotional Period for Introductory APR - Platinum MasterCard, Platinum Rewards MasterCard:The Introductory APR for purchases will apply to transactions posted to your account during the first 12 months following the opening of your account. The Introductory APR for balance transfers will apply to tra nsactions posted to your account during the first 90 days following the opening of your account. Any existing balances on Financial Partners Credit Union loan or creditcard accounts are not eligible for the Introductory APR for bal ance transfers. Loss of Introductory APR:We may end your Introductory APR for purchases and balance transfers and apply theprevailing non-introductory APR if you are 60 days late in making a payment.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 Secured MasterCard is a secured credit card . Credit extended under this credit card account is secured by various personal property and money including, but n ot limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as coll ateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excludingshares in an Individual Retirement Account or in any other account that would lose special tax treatment understate or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a coveredborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union.For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you arenot a covered borrower; or (ii) you cease to be a covered borrower.Other Fees & Disclosures:Late
Payment Fee:$7.00 or the amount of the required minimum payment, whichever is less, if y ou are five or more days late in making a payment.Balance Transfer Fee (Finance Charge)
:$10.00 or 3.00% of the amount of each balance transfer, whichever is greater.Cash Advance Fee (Finance Charge)
:$10.00 or 4.00% of the amount of each cash advance, whichever is greater.Over-the-Credit Limit Fee
:$25.00 or the amount of the transaction exceeding your approved credit limit, whichever is less.Returned Payment Fee
:$25.00 or the amount of the required minimum payment, whichever is less.Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.November 05, 201 9