�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03100017-MXC10-C-1-112017 (MXC101-E)
APPLICATION AND
SOLICITATION
DISCLOSURE
LIGHTNING CREDIT CARD
WORLD MASTERCARD/MASTERCARD
MASTERCARD SECURED
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesSEFCU Lightning Credit Card
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
SEFCU World Mastercard
This APR will vary  with the market based on the Prime Rate .
SEFCU Mastercard
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
SEFCU Mastercard Secured
This APR will vary  with the market based on the Prime Rate .
APR for Balance Transfers SEFCU Lightning Credit Card
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
SEFCU World Mastercard
This APR will vary  with the market based on the Prime Rate .
SEFCU Mastercard
 to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
SEFCU Mastercard Secured
This APR will vary  with the market based on the Prime Rate .
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03100017-MXC10-C-1-112017 (MXC101-E)APR for Cash Advances SEFCU Lightning Credit Card
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
SEFCU World Mastercard
This APR will vary  with the market based on the Prime Rate .
SEFCU Mastercard
to ,when you open your account, based on your
creditworthiness.  This APR will vary with the market based on the Prime
Rate.
SEFCU Mastercard Secured
This APR will vary  with the market based on the Prime Rate .
Penalty APR and When it Applies None
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
- Balance Transfer Fee None
- Cash Advance Fee None
-Foreign Transaction Fee None
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 (including new purchases)."
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, theSEFCU Lightning Credit Card, SEFCU World Mastercard, SEFCU Mastercard and
SEFCU Mastercard Secured 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 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 orfederal law, and
(d)collateral securing other loans you have with thecredit union excluding dwellings. Notwithstanding the
foregoing, you acknowledge and agree that during any periods whenyou areacovered borrower under the
Military Lending Actyour credit card willbesecured byanyspecific Pledge ofShares yougrant usbutwillnotbe
secured byallshares youhave inanyindividual orjoint account with thecredit union .Forclarity, youwillnotbe
deemed acovered borrower if:(i)you establish your credit card account when you arenotacovered borrower;
or (ii) you cease to be a covered borrower.
Other Fees & Disclosures:
Late Payment Fee:$25.00 or5.00% oftheamount oftherequired minimum payment, whichever isless ifyouare15or
more days late in making a payment.
Returned Payment Fee :$25.00 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.