�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04202655-MXC20-P-2-052318 (MXC201-E)CREDIT CARD
ACCOUNT
OPENING
DISCLOSURE
Approved Credit Limit:
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
PurchasesThis APR will vary with the market based on the Prime Rate .
APR for Balance Transfers
This APR will var y with the market based on the Prime Rate .
APR for Cash Advance s
This APR will var y with the market based on the Prime Rate .
Penalty APR and When it Applies
This APR may be applied to Your Account if You:
- Make a late payment .
How Long Will the Penalty APR Apply?  If Your APRs are increased for
this reason , the Penalty  APR will apply until You make six consecutive
minimum payment s when due.
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.
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
Set-up and Maintenance Fees
- Annual Fee
- Account Set-up Fee
- Program Fee
- Additional Card FeeNone
None
None
None
Transaction Fees
- Balance Transfer Fee $5.00  or3.00% of the amount of each balance transfer, whichever is greater
- 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$20.00
None
Up to $20.00
How We Will Calculate Your Balance:
Weuseamethod called "average daily balance (including new purchases)." See Your Account Agreement formore
details.
SEE NEXT PAGE for more important information about Your Account.
 �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04202655-MXC20-P-2-052318 (MXC201-E)Application of Penalty APR:
Your APR may be increased to the di sclosed Penalty APR if You  are60 days late in making a paym ent.
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).
Please callusat1(800) 232-8178 toreceive oral disclosures oftheMilitary Lending Actdisclosure above and a
description of the payment obligation.
Other Fees & Disclosures:
Late Payment Fee:
$20.00 ortheamount oftherequired minimum payment, whichever isless, ifYou are15ormore 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.
Balance Transfer Fee (Finance Charge):
$5.00 or3.00% oftheamount ofeach balance transfer, whichever isgreater. IfYour Account issubject toaBalance
Transfer Fee(finance charge), thefeewillbecharged toYour Account when You transfer abalance from anaccount of
another creditor to the Account subject to Your Agreement.
Returned Payment Fee :
$20.00 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 Replacement Fee:
$5.00 .IfYour Account issubject toaCard Replacement Fee, afeewillbecharged foreach replacement Card thatis
issued to You for any reason.
Document Copy Fee:
None .
Pay-by-Phone Fee:
$5.00 .IfYour Account issubject tothePay-by-Phone Fee, except aslimited byapplicable law, afeewillbecharged for
each time You make a payment by telephone as disclosed on this Disclosure.
PIN Replacement Fee:
None .
Rush Fee:
$35.00 second day.$55.00 overnight .IfYour Account issubject toaRush Fee, except aslimited byapplicable law, afee
may becharged toYour Account foreach rush Card thatYourequest, providing thatdelivery oftheCard isalso available
by standard mail service, without paying a fee for delivery.
Statement Copy Fee:
$2.00 .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.
Unreturned Card Fee:
None .
SEE NEXT PAGE for more important information about Your Account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04202655-MXC20-P-2-052318 (MXC201-E)Collection Costs:
You agree topayallcosts ofcollecting theamount You owe under thisAgreement, including court costs andreasonable
attorney's fees.
Periodic Rates:
The Purchase APR is  which is adaily periodic rate of .
TheBalance Transfer APR is  which is adaily periodic rate of .
TheCash Advance APR is  which is adaily periodic rate of .
ThePenalty Rate APR is  which is adaily periodic rate of .
Variable Rate:
TheANNUAL PERCENTAGE RATE may increase inthefuture. TheANNUAL PERCENTAGE RATE issubject tochange
onthefirstdayofthebilling cycle quarterly toreflect anychange intheIndex andwillbedetermined bythePrime Rate on
2nd Tuesday ofeach calendar quarter; January, April July &October ,towhich Weadd amargin. The ANNUAL
PERCENTAGE RATE willnever begreater than 18.00% .Anyincrease intheANNUAL PERCENTAGE RATE willresult in
anincrease intheamount oftheinterest Youwillpay, may increase Yourminimum payment, and may increase the
number ofpayments topayoffYourbalance. IftheIndex isnolonger available, theCredit Union willchoose anew index
which is based upon comparable information.
Margin:
Purchases will be charged at  above the Index.
Balanc e Transfers will be charged at  above the Index.
Cash Advances will be charged at  above the Index.