�CUNA Mutual Group 2009,  10, 12 All Rights Reserved DTXTR4 (MXC453 CCM003)-e
SEE NEXT PAGE for more important information about your account. F1
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  F2
This APR will vary with th e market based on the Prime Rate . 
APR for Balance Transfers  F3      
This APR will vary with th e market based on the Prime Rate . 
APR for Cash Advances  F4      
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 F5   of each transaction in U.S. dollars  
Penalty  Fees  
- Late Payment Fee  Up to F6
- Returned Payment Fee  Up to F7
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   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   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.  
Periodic Rates: 
The Purchase APR is F12       which is a daily periodic rate of F13           . 
The Balance Transfer APR is F14       which is a daily periodic rate of F15     . 
The Cash Advance APR is F16      which is a daily periodic rate of F17        . 
1.00%
  $30.00
  $30.00
$30.00
$30.00
$5.00CREDIT CARD ACCOUNT OPENING DISCLOSUREMASTERCARD  
 
 DTXTR4 (MXC453 CCM003)-e  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 business 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 F18           above the Index. 
Balance Transfers will be charged at F19           above the Index. 
Cash Advances will be charged at F20           above the Index.