�CUNA Mutual Group 2009,  10, 12 All Rights Reserved 02100681-MXC45-P-1-101315 (MXC453 CCM003)-e  
SEE NEXT PAGE for more important information about your account. 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 
ases F2             Purch
APR for Balance Transfers F3             
APR for Cash Advances F4             
Penalty APR and When it Applies F5             
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 
balance transfers and cash advances on the transaction date.  
For Credit Card Tips from the Consumer To learn more about factors to consider when applying for or 
Financial Protection Bureau 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 F6             
- Account Set-up Fee F7             
- Program Fee F8             
- Participation Fee F9             
- Additional Card Fee F10           
- Application Fee F11           
Transaction Fees  
- Balance Transfer Fee F12           
- Cash Advance Fee F13         of the amount of each cash advance 
- Foreign Transaction Fee F14         of each transaction in U.S. dollars 
- Transaction Fee for Purchases F15           
Penalty Fees  
- Late Payment Fee Up to F16            
- Returned Payment Fee Up to F17           
 
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. 
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 F18           or the amount of the required minimum payment, whichever 
is less, if you are five or more days late in making a payment. 
Returned Payment Fee F19           or the amount of the required minimum payment, whichever 
is less. 
Statement Copy Fee F20           
Document Copy Fee F21           
Rush Fee F22           
Emergency Card Replacement Fee F23           
  
  
  
PIN Replacement Fee F24           
Card Replacement Fee F25           
Express Shipping Fee F26           
 
 02100681-MXC45-P-1-101315 (MXC453 CCM003)-e  Collection Costs:  You promise to pay all costs of collecting the amount you owe under this Agreement to the extent 
permitted by state law.  
Periodic Rates: 
The Purchase APR is  hich is a daily periodic rate of F28           . F27           w
The Balance Transfer APR is  which is a daily periodic rate of F30           . F29           
The Cash Advance APR is  which is a daily periodic rate of  F32           . F31