�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04213945-MXC20-P-1-052217 (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 Introductory APR for a period of six billing cycles.
After that, Your APR will be .
APR for Balance Transfers  Introductory APR for a period of six billing cycles.
After that, Your APR will be .
APR for Cash Advance s  Introductory APR for a period of six billing cycles.
After that, Your APR will be .
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 or balance transfers if You pay
Your entire balance by the due date each month. We will begin charging
interest on cash advances 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
Annual Fee
- Annual Fee None
Transaction Fees
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment FeeNone
None
Up to $26.00
How We Will Calculate Your Balance:
Weuseamethod called "average daily balance (excluding new purchases andbalance transfers) (including new cash
advances)."  See Your Account Agreement for more details.
Promotional Period for Introductory APR:
The Introductory APR forpurchases, balance transfers and cash advances willapply totransactions posted toYour
Account during the first six months  following the opening of YourAccount.
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
SEE NEXT PAGE for more important information about Your Account.
Rewards VISA
2.99%
17.90%
2.99%
17.90%
2.99%
17.90% �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 04213945-MXC20-P-1-052217 (MXC201-E)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 callusat(844) 674-1423 toreceive oraldisclosures oftheMilitary Lending Actdisclosure above andadescription
of the payment obligation.
Other Fees & Disclosures:
Returned Payment Fee :
$26.00 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.
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.
Rush Fee:
$42.00 .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:
$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.
Collection Costs:
You agree topayallcosts ofcollecting theamount You owe under thisAgreement, including court costs andreasonable
attorney's fees.
Periodic Rates:
The Introductory Purchase APR is  which is amonthly  periodic rate of .
The Purchase APR is  which is amonthly  periodic rate of .
The Introductory Balance Transfer APR is  which is amonthly  periodic rate of .
TheBalance Transfer APR is  which is amonthly  periodic rate of .
The Introductory Cash Advance  APR is  which is amonthly  periodic rate of .
TheCash Advance APR is  which is amonthly  periodic rate of .
2.99%
17.90%
2.99%
17.90%
2.99%
17.90%
0.2492%.
1.4917%
0.2492%.
1.4917%
0.2492%.
1.4917%