PO BOX 419001
Melbourne, FL 32941-9001
CREDIT CARD ACCOUNT
OPENING DISCLOSURE
VISA
Banking that protects your future now.
Visa Platinum
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	0.00% Introductory APR fora period of six billing cycles. Afterthat your APR will be 10.99% .
APR for Balance Transfers	0.00% Introductory APR for a period of six billing cycles. After that your APR will be 10.99% .
APR for Cash Advances	0.00% Introductory APR for a period of six billing cycles. After that your APR will be 10.99% .
Penalty APR and When it Applies	N/A
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.
Minimum Interest Charge	If you are charged interest, the charge will be no less than $0.01
For Credit Card Tips from the Consumer Financial Protection Bureau	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	N/A N/A N/A N/A N/A N/A
Transaction Fees -	Balance Transfer Fee -	Foreign Transaction Fee -	Transaction Fee for Purchases	N/A 1.00% of each multiple currency transaction in U.S. dollars N/A	of each single currency transaction in U.S. dollars
Penalty Fees -	Late Payment Fee -	Returned Payment Fee	Up to $37.00 Up to $30.00
How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your account Agreement for more details.
Promotional Period for Introductory APR: The Introductory APR for purchases, balance transfers, and cash advances will apply to transactions posted to your account during the first six months following the opening of your account.
Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount.
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account Agreement.
IQANUHB.
© CUNA Mutual Group 2009,10,12 All Rights Reserved
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SEE NEXT PAGE for more important information about your account.
OTHER FEES AND DISCLOSURES
Late Payment Fee
$27.00 or the amount of the required minimum payment, whichever is less, if you fail to make your required minimum payment by the final calendar day of the month in which your payment is due. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you will be charged $37.00 or the amount of the required minimum payment, whichever is less.
Returned Payment Fee
$30.00 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.
Rush Fee
N/A . If Your Account is subject to a Rush Fee, except as limited by applicable law, a few may be charged to Your Account for each rush card that You request. Providing delivery of the card is also available by standard mail service without paying a fee for delivery.
Emergency Card Replacement Fee
N/A . 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.
Sales Draft Copy Request Fee
N/A
Original Sales Draft Copy Request Fee
N/A
Periodic Rates:
The Introductory Purchase APR is 0.00% which is a daily periodic rate of0.0000%
The Purchase APR is 10.99% which is a daily periodic rate of0.0301%
The Introductory Balance Transfer APR is 0.00% which is a daily periodic rate of 0.0000%
The Balance Transfer APR is 10.99% which is a daily periodic rate of 0.0301 %
The Introductory Cash Advance APR is 0.00% which is a daily periodic rate of 0.0000%
The Cash Advance APR is 10.99% which is a daily periodic rate of 0.0301 %
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