APPLICATION AND 
SOLICITATION 
DISCLOSURE 

SECURED VISA PLATINUM/STANDARD MASTERCARD 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Secured Visa Platinum 
15.90% 

Standard Mastercard 
12.90% 
Secured Visa Platinum 
15.90% 

Standard Mastercard 
12.90% 
Secured Visa Platinum 
17.90% 

How to Avoid Paying Interest on 
Purchases 

Minimum Interest Charge 
For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Standard Mastercard 
17.90% 
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. 
If you are charged interest, the charge will be no less than $0.50. 
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 
Annual Fee 
- Annual Fee 

Transaction Fees 
- Balance Transfer Fee 
- Foreign Transaction Fee 

Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

None 

None 
1.00% of each transaction in U.S. dollars 

Up to $20.00 
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)." 

Minimum Interest Charge: 
The minimum interest charge will be charged on any dollar amount. 

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. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

03105847-MXC10-P-1-082517 (MXC101-E) 

SEE NEXT PAGE for more important information about your account. 

For  California  Borrowers,  the  Secured  Visa  Platinum  and  Standard  Mastercard  are  secured  credit  cards.  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. 

Other Fees & Disclosures: 
Late Payment Fee: 
$20.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a 
payment. 

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. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

03105847-MXC10-P-1-082517 (MXC101-E)