�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00100803-MXC20-P-1-081717 (MXC201-E)CREDIT CARD
ACCOUNT
OPENING
DISCLOSURE
This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement &
Disclosure . Please keep this attached to Y our LOANLINER Consumer Credit Card Agreement & Disclosure.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
APR for Balance Transfers
APR for Cash Advance s
Penalty APR and When it Applies
Paying Interest 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. We will begin charging interest on cash advances
and balance transfers on the transaction date.
Minimum Interest Charge None
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
Annual Fee
- Annual Fee None
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
- Transaction Fee for Purchases None
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment FeeUpto$10.00
None
Up to $25.00
How We Will Calculate Your Balance:
Weuseamethod called "average daily balance (including new purchases)." See Your Account Agreement formore
details.
Billing Rights:
Information onYour rights todispute transactions and how toexercise those rights isprovided inYour Account
Agreement.
Military Lending Act Disclosures:
Federal lawprovides important protections tomembers oftheArmed Forces andtheir dependents relating toextensions
ofconsumer credit. Ingeneral, thecost ofconsumer credit toamember oftheArmed Forces andhisorherdependent
may notexceed anannual percentage rateof36percent. This ratemust include, asapplicable tothecredit transaction or
account: The costs associated with credit insurance premiums; fees forancillary products sold inconnection with the
credit transaction; anyapplication feecharged (other than certain application fees forspecified credit transactions or
accounts); and any participation fee charged (other than certain participation fees for a credit card account).
SEE NEXT PAGE for more important information about Your Account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 00100803-MXC20-P-1-081717 (MXC201-E)Other Fees & Disclosures:
Late Payment Fee:
$10.00 ortheamount oftherequired minimum payment, whichever isless, ifYou are10ormore days lateinmaking a
payment. IfYour Account issubject toaLate Payment Fee, thefeewillbecharged toYour Account when You donot
make therequired minimum payment byorwithin thenumber ofdays ofthestatement Payment Due Date setforth onthis
Disclosure.
Returned Payment Fee :
$25.00 ortheamount oftherequired minimum payment, whichever isless. IfYour Account issubject toaReturned
Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason.
Card Recovery Fee:
$35.00 .IfYour Account issubject toaCard Recovery Fee, afeewillbecharged foranyexpenses involved inthe
recovery of the Card.
Card Replacement Fee:
$10.00 .IfYour Account issubject toaCard Replacement Fee, afeewillbecharged foreach replacement Card thatis
issued to You for any reason.
Document Copy Fee:
$5.00 .IfYour Account issubject toaDocument Copy Fee, except aslimited byapplicable law, afeemay becharged to
Your Account foreach copy ofasales draft orstatement that You request (except when therequest ismade in
connection with a billing error made by the Credit Union).
Emergency Card Replacement Fee:
$35.00 .IfYour Account issubject toanEmergency Card Replacement Fee, afeewillbecharged toYour Account for
each emergency replacement Card that is issued to You.
PIN Replacement Fee:
$5.00 .IfYour Account issubject toaPINReplacement Fee, afeewillbecharged toYour Account whenever Yourequest
a new PIN number for Your Account.
Rush Fee:
$35.00 .IfYour Account issubject toaRush Fee, except aslimited byapplicable law, afeemay becharged toYour
Account foreach rush Card thatYourequest, providing thatdelivery oftheCard isalso available bystandard mail service,
without paying a fee for delivery.
Statement Copy Fee:
$5.00 .IfYour Account issubject toaStatement Copy Fee, except aslimited byapplicable lawandwhen therequest is
made inconnection with abilling error made bytheCredit Union, afeemay becharged toYour Account foreach copy of
a sales draft or statement that You request.
Collection Costs:
ForAlabama Borrowers: After default andupon referral toanattorney, who isnotanemployee oftheCredit Union, You
agree topayallcosts ofcollecting theamount You owe under thisAgreement, including, iftheunpaid balance under this
plan is greater than $300.00 at the time of collection, reasonable attorney's fees.
ForAllOther Borrowers: You agree topayallcosts ofcollecting theamount You owe under thisAgreement, including
court costs and reasonable attorney's fees.
Periodic Rates:
The Purchase APR is  which is amonthly  periodic rate of .
TheBalance Transfer APR is  which is amonthly  periodic rate of .
TheCash Advance APR is  which is amonthly  periodic rate of .