CREDIT CARD 
ACCOUNT 
OPENING 
DISCLOSURE 

VISA POWER CARD 

Approved Credit Limit: _______ 

This Disclosure is incorporated into and becomes part of Your LOANLINER® Consumer Credit Card Agreement & 
Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure. 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Paying Interest 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Annual Fee 
- Annual Fee 
Transaction Fees 
- Balance Transfer Fee 
- Cash Advance Fee 
- Foreign Transaction Fee 

- Transaction Fee for Purchases 

Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee  

1.99% Introductory APR for twelve (12) months from the date your new 
card account is opened. When the promotion period expires, the APR on 
existing balances will increase to the new APR. 

After this promotion period, your APR will be 8.99% to 17.99% 
based on an evaluation of your creditworthiness.  

1.99% Introductory APR for twelve (12) months from the date your new 
card account is opened. When the promotion period expires, the APR on 
existing balances will increase to the new APR. 

After this promotion period, your APR will be 8.99% to 17.99% based on 
an evaluation of your creditworthiness.  

1.99% Introductory APR for twelve (12) months from the date your new 
card account is opened. When the promotion period expires, the APR on 
existing balances will increase to the new APR. 

After this promotion period, your APR will be 8.99% to 17.99% based on 
an evaluation of your creditworthiness. 

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. 

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. 

None 

None  
None  
1.00% of each multiple currency transaction in U.S. dollars 
0.80% of each single currency transaction in U.S. dollars 
None  

Up to $20.00 
Up to $25.00  

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See 
Your Account Agreement for more details. 

Billing  Rights:  Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your 
Account Agreement. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

03720581-(MXC201-E) 

 
  
                         
 
 
 
  
  
 
  
  
 
 
 
  
 
  
  
  
 
 
 
         
 
 
 
 
  
 
  
 
 
      
 
 
 
    
 
 
 
Promotional Period for Introductory APR: 
The  Introductory  APR  for  purchases,  balance  transfers  and  cash  advances  will  apply  to  transactions  posted  to  Your 
Account during the first 12 months following the opening of Your Account. Any existing balances on Utilities Employees 
Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers. 

Military Lending Act Disclosures: 
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions 
of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent 
may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or 
account:  The  costs  associated  with  credit  insurance  premiums;  fees  for  ancillary  products  sold  in  connection  with  the 
credit  transaction;  any  application  fee  charged  (other  than  certain  application  fees  for  specified  credit  transactions  or 
accounts); and any participation fee charged (other than certain participation fees for a credit card account). 

Please call us at 1-800-288-6423, PRESS 7 to receive oral disclosures of the Military Lending Act disclosure above and a 
description of the payment obligation.  

Other Fees & Disclosures: 
Late Payment Fee: 
$20.00  or the amount of the required minimum payment,  whichever is  less, if  You are 2  or more days  late in making a 
payment. If  Your Account  is subject to a  Late  Payment Fee, the fee  will be charged to  Your Account  when  You do not 
make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this 
Disclosure. 

Returned Payment Fee: 
$25.00  or  the  amount  of  the  required  minimum  payment,  whichever  is  less.  If  Your  Account  is  subject  to  a  Returned 
Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason. 

Returned Convenience Check Fee: 
$25.00  or  the  amount  of  the  returned  convenience  check,  whichever  is  less.  If  Your  Account  is  subject  to  a  Returned 
Convenience Check Fee, the fee will be charged to Your Account when a convenience check is returned for any reason. 

Card Replacement Fee: 
$5.00.  If  Your  Account  is  subject  to  a  Card  Replacement  Fee,  a  fee  will  be  charged  for  each  replacement  Card  that  is 
issued to You for any reason. 

Document Copy Fee: 
$12.00 . If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to 
Your  Account  for  each  copy  of  a  sales  draft  or  statement  that  You  request  (except  when  the  request  is  made  in 
connection with a billing error made by the Credit Union). 

Rush Fee: 
$30.00.  If  Your  Account  is  subject  to  a  Rush  Fee,  except  as  limited  by  applicable  law,  a  fee  may  be  charged  to  Your 
Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service, 
without paying a fee for delivery. 

Statement Copy Fee: 
$5.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is 
made in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of 
a sales draft or statement that You request. 

Collection Costs: 
You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable 
attorney's fees. 

Periodic Rates: 
The Introductory Purchase APR is 1.99% which is a monthly periodic rate of 0.1658%. 
The Purchase APR is 8.99% to 17.99% which is a monthly periodic rate of 0.7492% to 1.4992%. 
The Introductory Balance Transfer APR is 1.99% which is a monthly periodic rate of 0.1658%. 
The Balance Transfer APR is 8.99% to 17.99% which is a monthly periodic rate of 0.7492% to 1.4992%. 
The Introductory Cash Advance APR is 1.99% which is a monthly periodic rate of 0.1658%. 
The Cash Advance APR is 8.99% to 17.99% which is a monthly periodic rate of 0.7492% to 14992%. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

03720581-(MXC201-E)