� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 10401000-MXC20-C-1-031022 (MXC201-E)
CREDIT CARDACCOUNTOPENINGDISCLOSURE
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 ChargesAnnual Percentage Rate (APR) forPurchasesThis APR will vary with the market based on the Prime Rate.
APR for Balance TransfersThis APR will vary with the market based on the Prime Rate.
APR for Cash AdvancesThis APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies
Paying InterestYour due date is at least 25 days after the close of each billing cycle. We willnot charge You any interest on purchases if You pay Your entire balance bythe due date each month. We will begin charging interest on cash advancesand balance transfers on the transaction date.
Minimum Interest Charge None
For Credit Card Tips from theConsumer Financial Protection BureauTo learn more about factors to consider when applying for or using acredit card, visit the website of the Consumer Financial ProtectionBureau at http://www.consumerfinance.gov/learnmore.
Fees
Annual Fee- Annual FeeNone
Transaction Fees
- Foreign Transaction Fee1.00% of each multiple currency transaction in U.S. dollars1.00% of each single currency transaction in U.S. dollars
Penalty Fees- Late Payment Fee- Returned Payment FeeUp to$10.00Up to$10.00
How We Will Calculate Your Balance:We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cashadvances)." 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 AccountAgreement.
SEE NEXT PAGE for more important information about Your Account.
July 1, 2022VISA GOLD
11.65%
11.65%11.65%None � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 10401000-MXC20-C-1-031022 (MXC201-E)Military Lending Act Disclosures:Federal law provides important protections to members of the Armed Forces and their dependents relating to extensionsof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependentmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction oraccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with thecredit transaction; any application fee charged (other than certain application fees for specified credit transactions oraccounts); and any participation fee charged (other than certain participation fees for a credit card account).Please call us at (844) 473-1260 to receive oral disclosures of the Military Lending Act disclosure above and a descriptionof the payment obligation.Other Fees & Disclosures:Late Payment Fee:
$10.00 or the amount of the required minimum payment, whichever is less, if You are 10 or more days late in making apayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do notmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on thisDisclosure.Returned Payment Fee
:
$10.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a ReturnedPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.Collection Costs:You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonableattorney's fees.Periodic Rates:The Purchase APR is  which is a daily periodic rate of .The Balance Transfer APR is  which is a daily periodic rate of .The Cash Advance APR is  which is a daily periodic rate of .Variable Rate:The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to changeon the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on1st business day of the month before the Rate Change Date, to which We add a margin. The ANNUAL PERCENTAGERATE will never be greater than 14.90%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase inthe amount of the interest You will pay, may increase Your minimum payment, and may increase the number of paymentsto pay off Your balance. If the Index is no longer available, the Credit Union will choose a new index which is based uponcomparable information.Margin:Purchases will be charged at  above the Index.Balance Transfers will be charged at  above the Index.Cash Advances will be charged at  above the Index.
July 1, 202211.65% 0.0319%11.65% 0.0319%11.65% 0.0319%
6.90%6.90%6.90%