� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04213835-MXC20-C-2-101117 (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 Your 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 vary with the market based on the Prime Rate.
APR for Convenience Checks
APR for Cash Advances
This APR will vary with the market based on the Prime Rate.
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
Transaction Fees
- Convenience Check Fee
- Foreign Transaction Fee or  of the amount of each convenience check, 
whichever is  greater
 of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
- Returned Payment FeeUp to  
Up to  
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.
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).
Other Fees & Disclosures:
Late Payment Fee:
     or the amount  of the required  minimum  payment,  whichever  is less, if You are 10 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
SEE NEXT PAGE for more important information about Your Account.
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% � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04213835-MXC20-C-2-101117 (MXC201-E)make the required  minimum  payment  by or within  the number  of days of the statement  Payment  Due Date  set forth on this 
Disclosure.
Convenience Check Fee (Finance Charge):
or of the amount  of each convenience  check,  whichever  is greater.  If Your  Account  is subject  
to a Convenience  Check Fee (finance  charge),  the fee will be charged  to Your  Account  when  You obtain  a cash 
advance  by use of a convenience check.
Returned Payment Fee:
    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.
Card Replacement Fee:
     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.
Rush Fee:
    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.
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 Convenience Check 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 change
on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on
the 10th of the month, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater than 18.00%.
Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest You will pay,
may increase Your minimum payment, and may increase the number of payments to pay off Your balance. If the Index is
no longer available, the Credit Union will choose a new index which is based upon comparable 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.%
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