�CUNA Mutual Group 2009,  10, 12 All Rights Reserved DTXWP5 (MXC453 CCM003)-e
SEE NEXT PAGE for more important information about your account. F1 
CREDIT CARD ACCOUNT OPENING DISCLOSURE  
This Disclosure is incorporated into and becomes part of your LOANLINER� Consumer Credit Card Agreement.
Please keep this attached to your LOANLINER Consumer Credit Card Agreement. 
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases  F4.90%2       Introductory APR for a period of six months.
After that  your APR wil l be F3       . This APR will vary with th e
market based on the Prime Rate . 
APR for Balance Transfers  F Introductory APR for a period of six months.
After that  your APR wil l be F5   . This APR will vary with th e market 
based on the Prime Rate . 
APR for Cash Advances  F6      
This APR will vary with th e market based on the Prime Rate . 
Paying Interest  Your due date is at least 25  days after the cl ose of each billing cycle. 
We will not charge you any interest on purchases and 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 P rotection Bureau  To learn more about factors to consider when applying for or 
using a credit card, visit the web site of the Consumer Financial 
Protection Bureau  at http://www. consumerfinance.gov/learnmore . 
Fees 
Transaction  Fees  
- Foreign Transaction Fee  of each transaction in U.S. dollars  
Penalty  Fees  
- Late Payment Fee  Up to $30.00 F8
- Returned Payment Fee  Up to $30.00 F9
How We Will Calculate Your Balance:  We use a method called � average daily bal ance (including new purchases).� See 
your account Agreement for more details. 
Promotional Period for Introductory APR:  The Introductory APR for purchases and balance transfers will apply to 
transactions posted to your account during the first six months following the opening of your account .  
Billing Rights:  Information on your rights to dispute transactions and how to exercise those rights is provided in your 
account Agreement.  
OTHER DISCLOSURES 
Late Payment Fee  $30.00 0    or the amount of the required  minimum payment, whichever is
less, if you are ten or more days late in making a payment.  
Returned Payment Fee  $30.00 1    or the amount of the required minimum payment, whichever is
less. 
Rush Fee  $30.00    
Card Replacement Fee     
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. 
$5.001.00%4.90%   MASTERCARD DTXWP5 (MXC453 CCM003)-e  Periodic Rates: 
The Introductory Purchase APR is F14     which is a daily periodic rate of F15         . 
The
 Purchase APR is F16   which is a daily periodic rate of F17          . 
The Introductory Balance Transfer APR is F18    which is a daily periodic rate of F19    . 
The Balance Transfer APR is F20        which is a daily periodic rate of F21         . 
The Cash Advance APR is F22      which is a daily periodic rate of F23         . 
Variable Rate: 
The ANNUAL PERCENTAGE RATE is subject to change semi-annually on the first day of the billing cycle to reflect any 
change in the Index and will be determined by the Prime Rate as listed in the �Money Rates� section of The Wall Street 
Journal  on the first day of January and July, to which we add a margin. 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 F24  above the Index. 
Balance Transfers will be charged at F25        above the Index. 
Cash Advances will be charged at F26      above the Index . 4.90%
4.90%0.0134%
0.0134%