CREDIT CARD 
ACCOUNT 
OPENING 
DISCLOSURE 

This document 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

6.90% 
opening of your account. 

Introductory APR for a period of  six (6) billing cycles  from the 

WORLD MASTERCARD A 

APR for Balance Transfers

APR for Cash Advances

. This APR will vary with the 

Introductory APR for a period of  six (6) billing cycles  from the 

After that, your APR will be 9.24% 
market based on the Prime Rate. 
6.90% 
opening of your account. 

After that, your APR will be 9.24% 
based on the Prime Rate. 
6.90% 
opening of your account. 

. This APR will vary with the market 

Introductory APR for a period of  six (6) billing cycles  from the 

Penalty APR and When it Applies 
Paying Interest 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

After that, your APR will be 9.24% 
based on the Prime Rate. 
None 

. This APR will vary with the market 

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 balance 
transfers and cash advances 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. 

Fees 

Transaction Fees 
- Balance Transfer Fee 
- Cash Advance Fee 

- Foreign Transaction Fee 

Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

$0.00 
$5.00 or 3.00% of the amount of each cash advance, whichever is greater 
(not applicable when using convenience checks) 
0.00% of each transaction in U.S. dollars 

Up to $25.00 
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 

SEE NEXT PAGE for more important information about your account. 
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03100017-MXC20-C-3-062917 (MXC201-E) 

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). 

To receive this notice verbally, please call (800) 727-3328 during our normal business hours. 

Other Fees & Disclosures: 
Late Payment Fee: 
$25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 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. 

Balance Transfer Fee (Finance Charge): 
$0.00. If your account is subject to a Balance Transfer Fee (finance charge), the fee will be charged to your account when 
you transfer a balance from an account of another creditor to the account subject to your Agreement. 

Cash Advance Fee (Finance Charge): 
$5.00  or  3.00%  of  the  amount  of  each  cash  advance,  whichever  is  greater  (not  applicable  when  using  convenience 
checks). If your account is subject to a Cash Advance Fee (finance charge), the fee will be charged to your account when 
you obtain a cash advance from an ATM, the credit union or other financial institution. 

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. 

Collection Costs: 
You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable 
attorney fees. 

Periodic Rates: 

The Introductory Purchase APR is 6.90% 
The Purchase APR is 9.24% 
The Introductory Balance Transfer APR is 6.90% 
The Balance Transfer APR is 9.24% 
The Introductory Cash Advance APR is 6.90% 
The Cash Advance APR is 9.24% 

 which is a monthly periodic rate of  0.5750% . 

 which is a monthly periodic rate of  0.7700%. 

 which is a monthly periodic rate of  0.5750% . 

 which is a monthly periodic rate of  0.7700%. 

 which is a monthly periodic rate of  0.5750% . 

 which is a monthly periodic rate of  0.7700%. 

Variable Rate: 

The  ANNUAL  PERCENTAGE  RATE 
is  subject  to  change  quarterly  to  reflect  any  change  in  the  Index  and  will  be 
determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July and October), as 
published in The Wall Street Journal “Money Rates” table 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  take  the  form  of  additional 
payments shown as Total Minimum Payments on the statement. 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
Balance Transfers will be charged at
Cash Advances will be charged at

4.99%  above the Index. 

4.99%  above the Index. 

4.99%  above the Index. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

I003420 
03100017-MXC20-C-3-062917 (MXC201-E)