APPLICATION AND 
SOLICITATION 
DISCLOSURE 

RATEWISE MASTERCARD 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

How to Avoid Paying Interest on 
Purchases 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

to  18.00% , when you open your account, based on your 

8.90% 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

to  18.00% , when you open your account, based on your 
8.90% 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 
8.90% 
to  18.00% , when you open your account, based on your 
creditworthiness. This APR will vary with the market based on the Prime 
Rate. 

Your 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. 

To 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 

- Foreign Transaction Fee 
Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

$5.00 or 2.00% of the amount of each cash advance, whichever is greater 
(Maximum Fee: $25.00) 
1.00% of each transaction in U.S. dollars 

Up to $25.00 
Up to $25.00 

How We Will Calculate Your Balance: 
We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash 
advances)." 

Effective Date: 
The information about the costs of the card described in this application is accurate as of: October 3, 2017 
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 

For California Borrowers, the World MasterCard is a secured credit card. Credit extended under this credit card 
account  is  secured  by  various  personal  property  and  money  including,  but  not  limited  to:  (a)  any  goods  you 
purchase  with  this  account,  (b)  any  shares  you  specifically  pledge  as  collateral  for  this  account  on  a  separate 
Pledge  of  Shares,  (c)  all  shares  you  have  in  any  individual  or  joint  account  with  the  Credit  Union  excluding 
shares in an Individual Retirement Account or in any other account that would lose special tax treatment under 
state 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  covered 
borrower  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 are 
not a covered borrower; or (ii) you cease to be a covered borrower. 

© CUNA  utual Group 2009, 10, 12, 16 All Rights Reserved 

03118559- XC10-C-1-082717 ( XC101-E) 

SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
Other Fees & Disclosures: 
Late Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a 
payment. 

Cash Advance Fee (Finance Charge): 
$5.00 or 2.00% of the amount of each cash advance, whichever is greater, however, 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: 
The Minimum Payment Due is 2.00%  of Your total New Balance, or  $25.00 , whichever is greater, plus any amount past 
due  and  any  amount  by  which  You  have  exceeded  Your  applicable  credit  limit.  If  Your  total  New  Balance  is  less  than 
$25.00, then Your Minimum Payment Due is the amount of the total New Balance. 

Mastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated. 

© CUNA  utual Group 2009, 10, 12, 16 All Rights Reserved 

03118559- XC10-C-1-082717 ( XC101-E)