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DSSOLFDEOH\x03\nLQWHUHVW\x03DQG\x03IHHV\x11\x03:H\x03ZLOO\x03VHQG\x03\\RX\x03D\x03VWDWHPHQW\x03RI\x03WKH\x03DPRXQW\x03\\RX\x03RZH\x03DQG\x03WKH\x03GDWH\x03SD\\PHQW\x03LV\x03GXH\x11\x03:H\x03PD\\\x03WKHQ\x03\nUHSRUW\x03\\RX\x03DV\x03GHOLQTXHQW\x03LI\x03\\RX\x03GR\x03QRW\x03SD\\\x03WKH\x03DPRXQW\x03ZH\x03WKLQN\x03\\RX\x03RZH\x11\x03\n,I\x03\\RX\x03UHFHLYH\x03RXU\x03H[SODQDWLRQ\x03EXW\x03VWLOO\x03EHOLHYH\x03\\RXU\x03ELOO\x03LV\x03ZURQJ\x0f\x03\\RX\x03PXVW\x03ZULWH\x03WR\x03XV\x03ZLWKLQ\x03\x14\x13\x03GD\\V\x03WHOOLQJ\x03XV\x03WKDW\x03\\RX\x03VWLOO\x03\nUHIXVH\x03WR\x03SD\\\x11\x03,I\x03 \\RX\x03GR\x03VR\x0f\x03ZH\x03FDQQRW\x03UHSRUW\x03 \\RX\x03DV\x03GHOLQTXHQW\x03 ZLWKRXW\x03DOVR\x03UHSRUWLQJ\x03 WKDW\x03 \\RX\x03DUH\x03TXHVWLRQLQJ\x03 \\RXU\x03ELOO\x11\x03\n:H\x03PXVW\x03WHOO\x03\\RX\x03WKH\x03QDPH\x03RI\x03DQ\\RQH\x03WR\x03ZKRP\x03ZH\x03UHSRUWHG\x03\\RX\x03DV\x03GHOLQTXHQW\x0f\x03DQG\x03ZH\x03PXVW\x03OHW\x03WKRVH\x03RUJDQL]DWLRQV\x03NQRZ\x03\nZKHQ\x03WKH\x03PDWWHU\x03KDV\x03EHHQ\x03VHWWOHG\x03EHWZHHQ\x03XV\x11\x03\n,I\x03ZH\x03GR\x03QRW\x03IROORZ\x03DOO\x03RI\x03WKH\x03UXOHV\x03DERYH\x0f\x03\\RX\x03GR\x03QRW\x03KDYH\x03WR\x03SD\\\x03WKH\x03ILUVW\x03\x07\x18\x13\x03RI\x03WKH\x03DPRXQW\x03\\RX\x03TXHVWLRQ\x03HYHQ\x03LI\x03\\RXU\x03ELOO\x03LV\x03\nFRUUHFW\x11\x03\n<RXU\x035LJKWV\x03LI\x03<RX\x03$UH\x03'LVVDWLVILHG\x03:LWK\x03<RXU\x03&UHGLW\x03&DUG\x033XUFKDVHV\x03\n,I\x03 \\RX\x03 DUH\x03 GLVVDWLVILHG\x03 ZLWK\x03 WKH\x03 JRRGV\x03 RU\x03 VHUYLFHV\x03 WKDW\x03 \\RX\x03 KDYH\x03 SXUFKDVHG\x03 ZLWK\x03 \\RXU\x03 FUHGLW\x03 FDUG\x0f\x03 DQG\x03 \\RX\x03 KDYH\x03 WULHG\x03 LQ\x03\nJRRG\x03IDLWK\x03WR\x03FRUUHFW\x03WKH\x03SUREOHP\x03ZLWK\x03WKH\x03PHUFKDQW\x0f\x03\\RX\x03PD\\\x03KDYH\x03WKH\x03ULJKW\x03QRW\x03WR\x03SD\\\x03WKH\x03UHPDLQLQJ\x03DPRXQW\x03GXH\x03RQ\x03WKH\x03\nSXUFKDVH\x11\x03\n\x03\n\n\x03\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\nDXTG5 (MXC503 CCM004)\n\n\x0c7R\x03XVH\x03WKLV\x03ULJKW\x0f\x03DOO\x03RI\x03WKH\x03IROORZLQJ\x03PXVW\x03EH\x03WUXH\x1d\x03\n\x14\x11\x037KH\x03SXUFKDVH\x03PXVW\x03KDYH\x03EHHQ\x03PDGH\x03LQ\x03\\RXU\x03KRPH\x03VWDWH\x03RU\x03ZLWKLQ\x03\x14\x13\x13\x03PLOHV\x03RI\x03\\RXU\x03FXUUHQW\x03PDLOLQJ\x03DGGUHVV\x0f\x03DQG\x03WKH\x03\nSXUFKDVH\x03SULFH\x03PXVW\x03KDYH\x03EHHQ\x03PRUH\x03WKDQ\x03\x07\x18\x13\x11\x03 1RWH\x1d\x031HLWKHU\x03RI\x03WKHVH\x03DUH\x03QHFHVVDU\\\x03LI\x03\\RXU\x03SXUFKDVH\x03ZDV\x03EDVHG\x03RQ\x03\nDQ\x03DGYHUWLVHPHQW\x03ZH\x03PDLOHG\x03WR\x03\\RX\x0f\x03RU\x03LI\x03ZH\x03RZQ\x03WKH\x03FRPSDQ\\\x03WKDW\x03VROG\x03\\RX\x03WKH\x03JRRGV\x03RU\x03VHUYLFHV\x11 \x03\n\x15\x11\x03<RX\x03PXVW\x03KDYH\x03XVHG\x03 \\RXU\x03FUHGLW\x03FDUG\x03IRU\x03WKH\x03SXUFKDVH\x11\x033XUFKDVHV\x03PDGH\x03ZLWK\x03FDVK\x03DGYDQFHV\x03IURP\x03DQ\x03$70\x03RU\x03ZLWK\x03D\x03\nFKHFN\x03WKDW\x03DFFHVVHV\x03\\RXU\x03FUHGLW\x03FDUG\x03DFFRXQW\x03GR\x03QRW\x03TXDOLI\\\x11\x03 \x03\n\x16\x11\x03<RX\x03PXVW\x03QRW\x03\\HW\x03KDYH\x03IXOO\\\x03SDLG\x03IRU\x03WKH\x03SXUFKDVH\x11\x03\n,I\x03DOO\x03RI\x03WKH\x03FULWHULD\x03DERYH\x03DUH\x03PHW\x03DQG\x03\\RX\x03DUH\x03VWLOO\x03GLVVDWLVILHG\x03ZLWK\x03WKH\x03SXUFKDVH\x0f\x03FRQWDFW\x03XV\x03LQ\x03ZULWLQJ\x03RU\x03HOHFWURQLFDOO\\\x03DW\x03\nWKH\x03DGGUHVV\x03OLVWHG\x03RQ\x03\\RXU\x03VWDWHPHQW\x11\x03\n:KLOH\x03ZH\x03LQYHVWLJDWH\x0f\x03WKH\x03VDPH\x03UXOHV\x03DSSO\\\x03WR\x03WKH\x03GLVSXWHG\x03DPRXQW\x03DV\x03GLVFXVVHG\x03DERYH\x11\x03$IWHU\x03ZH\x03ILQLVK\x03RXU\x03LQYHVWLJDWLRQ\x0f\x03\nZH\x03 ZLOO\x03 WHOO\x03 \\RX\x03 RXU\x03 GHFLVLRQ\x11\x03 $W\x03 WKDW\x03 SRLQW\x0f\x03 LI\x03 ZH\x03 WKLQN\x03 \\RX\x03 RZH\x03 DQ\x03 DPRXQW\x03 DQG\x03 \\RX\x03 GR\x03 QRW\x03 SD\\\x0f\x03 ZH\x03 PD\\\x03 UHSRUW\x03 \\RX\x03 DV\x03\nGHOLQTXHQW\x11\x03\n\x03\n\n\x03\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\nDXTG5 (MXC503 CCM004)\n\n\x0c\x03\n\nNew EMV Chip Cards\nACU of Texas cards will include a new look and an embedded microchip for added security. Please be sure to\nactivate and begin using your new EMV Chip Card when it arrives within the next seven days.\nWhy the Chip Makes a Difference\nSecurity is a top priority at ACU of Texas and that\xe2\x80\x99s why we offer chip card technology to help protect your\ninformation. The embedded chip provides enhanced security and protection when you make purchases at chipenabled terminals.\x03\x03\nBelow are multiple ways to use your new ACU of Texas EMV chip card for your security and convenience.\nATM\nATM machines will continue to operate in the same fashion you have become accustomed\nto. However, on ATMs upgraded with EMV readers, your new EMV chip card will remain\nin the ATM machine while your transaction is being processed. To properly ensure your\nATM transaction, follow these steps:\nInsert the card into the ATM.\nEnter your PIN.\nLeave the card in the terminal during the transaction.\nRemove card from the machine.\n\nSwipe\nSome payment processors will not be equipped with the\ntechnology needed to handle EMV chip and PIN credit\ntransactions. The chip card still has a magnetic stripe, just in case\nyou need to use it with a traditional terminal.\n\nEMV Reader\nInsert the card.\nInstead of swiping, insert the card into the terminal, chip first, face up.\nLeave the card in the terminal.\nThe card must remain in the terminal during the entire transaction.\nSign the receipt or enter a PIN.\nEither sign the receipt or enter your PIN to complete the transaction.\nRemove your card.\nWhen the purchase is complete, remember to take your card with you.\n\x03\n\n\x03\n\n\x0c"


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA PLATINUM\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n5.90%\n\nIntroductory APR for a period of 12 billing cycles.\n\nAfter that, Your APR will be\n\n9.99%\n\nAPR for Balance Transfers\n\n5.90%\n\nAPR for Cash Advances\n\nAfter that, Your APR will be 9.99% .\n17.99%\n\n.\n\nIntroductory APR for a period of 12 billing cycles.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nNone\nNone\nNone\n1.00% of each transaction in U.S. dollars\nNone\nUp to $25.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See\nYour Account Agreement for more details.\nPromotional Period for Introductory APR: The Introductory APR for purchases and balance transfers will apply to\ntransactions posted to Your Account during the first 12 months following issuance of Your Card. Any existing balances on\nMember One Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance\ntransfers.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\nproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nPlease call us at (800) 666-8811 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04500386-MXC20-C-1-032917 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if You are 1 or more days\nlate in making a payment. Your Account is subject to a Late Payment Fee, which will be charged to Your Account when\nYou do not make the required minimum payment by the statement Payment Due Date set forth on this Disclosure.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. Your Account is\nsubject to a Returned Payment Fee, which will be charged to Your Account when a payment is returned for any reason.\nReturned Convenience Check Fee: $25.00 or the amount of the returned convenience check, whichever is less. Your\nAccount is subject to a Returned Convenience Check Fee, which will be charged to Your Account when a convenience\ncheck is returned for any reason.\nCard Replacement Fee: $10.00. Your Account is subject to a Card Replacement Fee, which will be charged for each\nreplacement Card that is issued to You for any reason. Your Card should be received within 10 to 15 days.\nRush Fee: $20.00. Your Account is subject to a Rush Fee, except as limited by applicable law, which may be charged to\nYour Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail\nservice, without paying a fee for delivery. Your Card should be received within 3 to 4 business days.\nEmergency Card Replacement Fee: $250.00. Your Account is subject to an Emergency Card Replacement Fee, which\nwill be charged to Your Account for each emergency replacement Card that is issued to You. Your Card should arrive\nwithin 24 hours by courier.\nDocument Copy Fee: $20.00. Your Account is subject to a Document Copy Fee, except as limited by applicable law,\nwhich may be charged to Your Account for each copy of a sales draft or transactional documentation that You request\n(except when the request is made in connection with a billing error made by the Credit Union).\nPay-by-Phone Fee: Up to $12.00. Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law,\nwhich will be charged for each time You make an expedited payment by telephone or electronic means with a Customer\nService Representative. If the expedited payment is made through our card processor, the fee will be $5.00. If the\nexpedited payment is made through the Member One FCU contact center, the fee will be $12.00.\nStatement Copy Fee: $5.00. Your Account is subject to a Statement Copy Fee, except as limited by applicable law and\nwhen the request is made in connection with a billing error made by the Credit Union, which may be charged to Your\nAccount for each copy of a sales draft or statement that You request.\nStop Payment on Convenience Check Fee: $25.00. Your Account is subject to a Stop Payment on Convenience Check\nFee, which may be charged to Your Account for each Stop Payment placed on a Convenience Check associated with\nYour Account.\nPeriodic Rates:\nThe Introductory Purchase APR is 5.90% which is a monthly periodic rate of 0.4917% .\nThe Purchase APR is 9.99% which is a monthly periodic rate of 0.8325% .\nThe Introductory Balance Transfer APR is 5.90% which is a monthly periodic rate of 0.4917% .\nThe Balance Transfer APR is 9.99% which is a monthly periodic rate of 0.8325% .\nThe Cash Advance APR is 17.99% which is a monthly periodic rate of 1.4992% .\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04500386-MXC20-C-1-032917 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA CASHBACK\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n5.90%\n\nIntroductory APR for a period of 12 billing cycles.\n\nAfter that, Your APR will be 16.99% .\nAPR for Balance Transfers\n\n5.90%\n\nAPR for Cash Advances\n\nAfter that, Your APR will be 16.99% .\n17.99%\n\nIntroductory APR for a period of 12 billing cycles.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\n1.00% of each transaction in U.S. dollars\n\n- Transaction Fee for Purchases\n\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $25.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases and balance transfers will apply to transactions posted to Your Account during the\nfirst 12 months following issuance of Your Card. Any existing balances on Member One Federal Credit Union loan or\ncredit card accounts are not eligible for the Introductory APR for balance transfers.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04500386-MXC20-C-5-110717 (MXC201-E)\n\n\x0cmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (800) 666-8811 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if You are 1 or more days late in making a\npayment. Your Account is subject to a Late Payment Fee, which will be charged to Your Account when You do not make\nthe required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. Your Account is subject to a Returned\nPayment Fee, which will be charged to Your Account when a payment is returned for any reason.\nReturned Convenience Check Fee:\n$25.00 or the amount of the returned convenience check, whichever is less. Your Account is subject to a Returned\nConvenience Check Fee, which will be charged to Your Account when a convenience check is returned for any reason.\nCard Replacement Fee:\n$10.00. Your Account is subject to a Card Replacement Fee, which will be charged for each replacement Card that is\nissued to You for any reason.\nDocument Copy Fee:\n$20.00 . Your Account is subject to a Document Copy Fee, except as limited by applicable law, which may be charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nEmergency Card Replacement Fee:\n$250.00. Your Account is subject to an Emergency Card Replacement Fee, which will be charged to Your Account for\neach emergency replacement Card that is issued to You.\nPay-by-Phone Fee:\nUp to $12.00. Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, which will be\ncharged for each time You make an expedited payment by telephone or electronic means as disclosed on this\nDisclosure. If the expedited payment is made through our card processor, the fee will be $5.00. If the expedited payment\nis made through the Member One FCU contact center, the fee will be $12.00.\nRush Fee:\n$20.00. Your Account is subject to a Rush Fee, except as limited by applicable law, which may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$5.00 . Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, which may be charged to Your Account for each copy of\na sales draft or statement that You request.\nStop Payment on Convenience Check Fee:\n$25.00. Your Account is subject to a Stop Payment on Convenience Check Fee, which may be charged to Your Account\nfor each Stop Payment placed on a Convenience Check associated with Your Account.\nPeriodic Rates:\nThe Introductory Purchase APR is 5.90% which is a monthly periodic rate of 0.4917% .\nThe Purchase APR is 16.99% which is a monthly periodic rate of 1.4158%.\nThe Introductory Balance Transfer APR is 5.90% which is a monthly periodic rate of 0.4917% .\nThe Balance Transfer APR is 16.99% which is a monthly periodic rate of 1.4158%.\nThe Cash Advance APR is 17.99% which is a monthly periodic rate of 1.4992% .\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04500386-MXC20-C-5-110717 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA SIGNATURE REWARDS\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n5.90%\n\nIntroductory APR for a period of 12 billing cycles.\n\nAfter that, Your APR will be\n\n13.99%\n\nAPR for Balance Transfers\n\n5.90%\n\nAPR for Cash Advances\n\nAfter that, Your APR will be 13.99% .\n17.99%\n\n.\n\nIntroductory APR for a period of 12 billing cycles.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\n\nNone\nNone\nNone\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nUp to $25.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases and balance transfers will apply to transactions posted to Your Account during the\nfirst 12 months following issuance of Your Card. Any existing balances on Member One Federal Credit Union loan or\ncredit card accounts are not eligible for the Introductory APR for balance transfers.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04500386-MXC20-C-6-110717 (MXC201-E)\n\n\x0caccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (800) 666-8811 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if You are 1 or more days late in making a\npayment. Your Account is subject to a Late Payment Fee, which will be charged to Your Account when You do not make\nthe required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. Your Account is subject to a Returned\nPayment Fee, which will be charged to Your Account when a payment is returned for any reason.\nReturned Convenience Check Fee:\n$25.00 or the amount of the returned convenience check, whichever is less. Your Account is subject to a Returned\nConvenience Check Fee, which will be charged to Your Account when a convenience check is returned for any reason.\nCard Replacement Fee:\n$10.00. Your Account is subject to a Card Replacement Fee, which will be charged for each replacement Card that is\nissued to You for any reason.\nDocument Copy Fee:\n$20.00 . Your Account is subject to a Document Copy Fee, except as limited by applicable law, which may be charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nEmergency Card Replacement Fee:\n$250.00. Your Account is subject to an Emergency Card Replacement Fee, which will be charged to Your Account for\neach emergency replacement Card that is issued to You.\nPay-by-Phone Fee:\nUp to $12.00. Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, which will be\ncharged for each time You make an expedited payment by telephone or electronic means as disclosed on this\nDisclosure. If the expedited payment is made through our card processor, the fee will be $5.00. If the expedited payment\nis made through the Member One FCU contact center, the fee will be $12.00.\nRush Fee:\n$20.00. Your Account is subject to a Rush Fee, except as limited by applicable law, which may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$5.00 . Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, which may be charged to Your Account for each copy of\na sales draft or statement that You request.\nStop Payment on Convenience Check Fee:\n$25.00. Your Account is subject to a Stop Payment on Convenience Check Fee, which may be charged to Your Account\nfor each Stop Payment placed on a Convenience Check associated with Your Account.\nPeriodic Rates:\nThe Introductory Purchase APR is 5.90% which is a monthly periodic rate of 0.4917% .\nThe Purchase APR is 13.99% which is a monthly periodic rate of 1.1658% .\nThe Introductory Balance Transfer APR is 5.90% which is a monthly periodic rate of 0.4917% .\nThe Balance Transfer APR is 13.99% which is a monthly periodic rate of 1.1658% .\nThe Cash Advance APR is 17.99% which is a monthly periodic rate of 1.4992% .\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04500386-MXC20-C-6-110717 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA PLATINUM\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n5.90%\n\nIntroductory APR for a period of 12 billing cycles.\n\nAfter that, Your APR will be 14.99% .\nAPR for Balance Transfers\n\n5.90%\n\nAPR for Cash Advances\n\nAfter that, Your APR will be 14.99% .\n17.99%\n\nIntroductory APR for a period of 12 billing cycles.\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nNone\nNone\nNone\n1.00% of each transaction in U.S. dollars\nNone\nUp to $25.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See\nYour Account Agreement for more details.\nPromotional Period for Introductory APR: The Introductory APR for purchases and balance transfers will apply to\ntransactions posted to Your Account during the first 12 months following issuance of Your Card. Any existing balances on\nMember One Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance\ntransfers.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\nproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nPlease call us at (800) 666-8811 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04500386-MXC20-C-1-032917 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if You are 1 or more days\nlate in making a payment. Your Account is subject to a Late Payment Fee, which will be charged to Your Account when\nYou do not make the required minimum payment by the statement Payment Due Date set forth on this Disclosure.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. Your Account is\nsubject to a Returned Payment Fee, which will be charged to Your Account when a payment is returned for any reason.\nReturned Convenience Check Fee: $25.00 or the amount of the returned convenience check, whichever is less. Your\nAccount is subject to a Returned Convenience Check Fee, which will be charged to Your Account when a convenience\ncheck is returned for any reason.\nCard Replacement Fee: $10.00. Your Account is subject to a Card Replacement Fee, which will be charged for each\nreplacement Card that is issued to You for any reason. Your Card should be received within 10 to 15 days.\nRush Fee: $20.00. Your Account is subject to a Rush Fee, except as limited by applicable law, which may be charged to\nYour Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail\nservice, without paying a fee for delivery. Your Card should be received within 3 to 4 business days.\nEmergency Card Replacement Fee: $250.00. Your Account is subject to an Emergency Card Replacement Fee, which\nwill be charged to Your Account for each emergency replacement Card that is issued to You. Your Card should arrive\nwithin 24 hours by courier.\nDocument Copy Fee: $20.00. Your Account is subject to a Document Copy Fee, except as limited by applicable law,\nwhich may be charged to Your Account for each copy of a sales draft or transactional documentation that You request\n(except when the request is made in connection with a billing error made by the Credit Union).\nPay-by-Phone Fee: Up to $12.00. Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law,\nwhich will be charged for each time You make an expedited payment by telephone or electronic means with a Customer\nService Representative. If the expedited payment is made through our card processor, the fee will be $5.00. If the\nexpedited payment is made through the Member One FCU contact center, the fee will be $12.00.\nStatement Copy Fee: $5.00. Your Account is subject to a Statement Copy Fee, except as limited by applicable law and\nwhen the request is made in connection with a billing error made by the Credit Union, which may be charged to Your\nAccount for each copy of a sales draft or statement that You request.\nStop Payment on Convenience Check Fee: $25.00. Your Account is subject to a Stop Payment on Convenience Check\nFee, which may be charged to Your Account for each Stop Payment placed on a Convenience Check associated with\nYour Account.\nPeriodic Rates:\nThe Introductory Purchase APR is 5.90% which is a monthly periodic rate of 0.4917% .\nThe Purchase APR is 14.99% which is a monthly periodic rate of 1.2549%.\nThe Introductory Balance Transfer APR is 5.90% which is a monthly periodic rate of 0.4917% .\nThe Balance Transfer APR is 14.99% which is a monthly periodic rate of 1.2549%.\nThe Cash Advance APR is 17.99% which is a monthly periodic rate of 1.4992% .\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04500386-MXC20-C-1-032917 (MXC201-E)\n\n\x0c'