�CUNA Mutual Group 2009, 10, 12 All Rights Reserved 11100245-MXC45-P-2-051616 (MXC453 CCM003)-e 
SEE NEXT PAGE for more important information about yo ur account. F1 
CREDIT CARD ACCOUNT OPENING DISCLOSURE 
This Disclosure is incorporated into and becomes part  of your LOANLINER � Consumer Credit Card Agreement. 
Please keep this attached to your LOANLINER Consumer Credit Card Agreement. 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases   Introductory APR for a period of six billing cycles. 
After that your APR will be F3 
7KLV$35ZLOOYDU\ZLWKWKH market based on the Prime Rate. 
APR for Balance Transfers  Introductory APR for a period of six billing cycles.
After that your APR will be F5  
7KLV$35ZLOOYDU\ZLWKWKHPDUNHW based on the Prime Rate. 
APR for Cash Advances F6      
This APR will vary with the market based on the Prim e 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 payments when due. 
Paying Interest Your due date is at least 21 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 ch arging interest on 
balance transfers and cash advances on the transacti on date. 
For Credit Card Tips from the Consumer 
Financial Protection Bureau  To learn more about factors to consider when applyin g 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 1RQH 
- Account Set-up Fee 1RQH 
- Program Fee 1RQH 
- Participation Fee 1RQH 
- Additional Card Fee 1RQH 
- Application Fee 1RQH 
Transaction Fees 
- Balance Transfer Fee 
- Cash Advance Fee 
- Foreign Transaction Fee 
- Transaction Fee for Purchases 1RQH 
1RQH 
  of each multiple currency transaction in U.S. dollars 
  of each single currency transaction in U.S. dollars 
1RQH 
Penalty Fees 
- Late Payment Fee Up to  
- Over-the-Credit Limit Fee Up to  
- Returned Payment Fee Up to  
How We Will Calculate Your Balance: We use a method called � average daily bal ance (including new purchases).� See 
your account Agreement for more details. 
PREMIER REWARDS 
12.99% 
12.99% 
12.99%  11100245-MXC45-P-2-051616 (MXC453 CCM003)-e Promotional Period for Introductory APR:  The Introductory APR for purchases and balance tra nsfers will apply to 
transactions posted to your account during the firs t six months following the opening of your account.
Loss of Introductory APR:  We may end your Introductory APR for purchases and apply the prevailing non-introductory 
APR if you are 60 days late in making a payment. We may end your Introductory APR for balance transfers a nd apply the 
prevailing non-introductory APR if you are 31 days lat e in making a payment.  
Application of Penalty APR:  Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 
Billing Rights:  Information on your rights to dispute transactions a nd how to exercise those rights is provided in your 
account Agreement.  
OTHER DISCLOSURES 
Late Payment Fee  or the amount of the required minimum payment, whiche ver is 
less, if you are ten or more days late in making a pa yment. 
Over-the-Credit Limit Fee or the amount of the transaction exceeding your cred it limit, 
whichever is less. 
Returned Payment Fee or the amount of the required minimum payment, whiche ver is 
less. 
Returned Convenience Check Fee F25  or the amount of the returned convenience check, whic hever is 
less. 
Statement Copy Fee F26   
Document Copy Fee F27   
Rush Fee F28    
Card Replacement Fee F29    
Collection Costs:  You agree to pay all costs of collecting the amoun t you owe under this Agreement, including court 
costs and, if the amount you borrowed was greater than  $1,000.00, reasonable attorney's fees. 
Periodic Rates: 
The Introductory Purchase APR i V F30 which is a daily periodic rate o I 
The Purchase APR is F32  which is a daily periodic rate of F33       . 
The Introductory Balance Transfer APR LV which is a daily periodic r DWHRI 
 which is a daily periodic rate of F37    . The Balance Transfer APR is F36 
The Cash Advance APR is F38 
The Penalty Rate APR is  which is a daily periodic rate of F39 .
which is a daily periodic rate o I Variable Rate: 
The ANNUAL PERCENTAGE RATE is subject to change mon thly on the first day of the billing cycle to refle ct any change 
in the Index and w ill be determined by the Prime Rate as listed in the  �Money Rates� section of The Wall Street Journal  on 
3rd Tuesday of each month, to which we add a margin. The ANNUAL PERCENTAGE RATE will never be greater than  
17.99%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total 
Minimum Payments on the statement. If the Index is n o longer available, the Credit Union will choose a n ew index which 
is based upon comparable information. 
Margin: 
Purchases will be charged at F42  above the Index. 
Balance Transfers will be charged at F43        above the Index. 
Cash Advances will be charged at F44    above the Index.  
 
 
 
 
 
 
12.99% 
12.99% 
12.99% 0.0356% 
0.0356% 
0.0356% 
9.49% 
9.49% 
9.49%