CREDIT CARD 
ACCOUNT 
OPENING 
DISCLOSURE 

VISA PLATINUM 

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 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

9.00% 
This APR will vary with the market based on the Prime Rate. 
9.00% 
This APR will vary with the market based on the Prime Rate. 

9.00% 
This APR will vary with the market based on the Prime Rate. 

Penalty APR and When it Applies 

None 

How to Avoid Paying Interest 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

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. 

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 
Set-up and Maintenance Fees 
- Annual Fee 
- Account Set-up Fee 
- Program Fee 
- Participation Fee 
- Additional Card Fee 
- Application Fee 
Transaction Fees 
- Balance Transfer Fee 
- Cash Advance Fee 
- Foreign Transaction Fee 

None 
None 
None 
None 
None 
None 

None 
3.00% of the amount of each cash advance 
1.00% of each transaction in U.S. dollars 

- Transaction Fee for Purchases 

None 

Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

Up to $20.00 
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. 
02100861-MXC20-C-3-122018 (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). 

Please call us at (800) 323-2129 to receive oral disclosures of the Military Lending Act disclosure above and a description 
of the payment obligation. 

Other Fees & Disclosures: 
Late Payment Fee: 
$20.00  or the amount of  the required minimum payment, whichever is less, if You are 5 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. 

Cash Advance Fee (Finance Charge): 
3.00% of each cash advance. 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. 

Card Replacement Fee: 
$10.00. 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. 

Document Copy Fee: 
$5.00 . If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to 
Your Account for each copy of a sales draft or statement that You request (except when the request is made in  connection 
with a billing error made by the Credit Union). 

Emergency Card Replacement Fee: 
$165.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for 
each emergency replacement Card that is issued to You. 

PIN Replacement Fee: 
$5.00. If Your Account is subject to a PIN Replacement Fee, a fee will be charged to Your Account whenever You request 
a new PIN number for Your Account. 

Rush Fee: 
$65.00 second day. 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. 

Statement Copy Fee: 
$5.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is 
made in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of a 
sales draft or statement that You request. 

Express Shipping Fee: 
$90.00 Overnight. If Your Account is subject to an Express Shipping Fee, except as limited by applicable law, a fee may be 
charged  to  Your  Account  for  each  Express  Shipping  Card  that  You  request,  providing  that  delivery  of  the  Card  is  also 
available by standard mail service, without paying a fee for delivery. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

SEE NEXT PAGE for more important information about Your Account. 
02100861-MXC20-C-3-122018 (MXC201-E) 

 
 
 
 
 
 
 
 
 
 
 
 
Collection Costs: 
For Michigan Borrowers: You promise to pay all costs of collecting the amount You owe under this Agreement to the 
extent permitted by state law. 
For All Other Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including 
court costs and reasonable attorney's fees. 

Periodic Rates: 

The Purchase APR is 9.00% which is a daily periodic rate of 0.025%. 
The Balance Transfer APR is 9.00% which is a daily periodic rate of 0.025%. 
The Cash Advance APR is 9.00% which is a daily periodic rate of 0.025%. 

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 quarterly to reflect any change in the Index and will be determined by the Prime Rate on 
the  first  day  of  each  calendar  quarter  (January,  April,  July  and  October),  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 4.00% above the Index. 
Balance Transfers will be charged at 4.00% above the Index. 
Cash Advances will be charged at 4.00% above the Index. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02100861-MXC20-C-3-122018 (MXC201-E)