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 

Paying Interest 

6.90%  Introductory APR for a period of 12 billing cycles. 
Introductory APR for a period of 12 billing cycles. 
After that, your APR will be between 9.59% and 17.90% 
After that, Your APR will be 

. 

. 

Intro ductory APR for a period of 12 billing cycles. 
6.90%  Introductory APR for a period of 12 billing cycles. 
After that, your APR will be between 9.59% and 17.90% 
After that, Your APR will be 
  6.90%  Introductory APR for a period of 12 billing cycles. 
Intro ductory APR for a period of 12 billing cycles. 
After that, your APR will be between 9.59% and 17.90% 
After that, Your APR will be 
Your due date is at least 21 days after the close of each billing cycle. We will 
not charge You any interest on purchases or 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 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 

Transaction Fees 
- Foreign Transaction Fee 

Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

1.00% of each transaction in U.S. dollars 

Up to $25.00 
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. 

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 12 months following the opening of Your Account. Any existing balances on Members First Credit Union loan 
or credit card accounts are not eligible for the Introductory APR for balance transfers. 

Billing Rights: 
Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. 

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 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02100283-MXC20-P-1-060217 (MXC201-E) 

SEE NEXT PAGE for more important information about Your Account. 

 
 
 
 
 
 
 
 
 
 
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). 

Other Fees & Disclosures: 
Late Payment Fee: 
$25.00  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. 

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: 
$5.00. 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 per document. 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). 

Collection Costs: 
For Alabama Borrowers: After default and upon referral to an attorney, who is not an employee of the Credit Union, You 
agree to pay all costs of collecting the amount You owe under this Agreement, including, if the unpaid balance under this 
plan is greater than $300.00 at the time of collection, reasonable attorney's fees. 
For Kentucky Borrowers: You promise to pay all costs of collecting the amount You owe under this Agreement, including 
reasonable attorney's fees to the extent permitted by state law. 
For Maine Borrowers: For loans with an interest rate less than or equal to 12¼%: 
Attorney's fees—If the Credit Union hires an attorney to collect the amount You owe under this Agreement, You agree to 
pay reasonable attorney's fees not to exceed 15.00% of the unpaid debt. 
For loans with an interest rate over 12¼%: no attorney's fees. 
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 North Dakota Borrowers: You promise to pay all costs of collecting the amount You owe under this Agreement to the 
extent permitted by state law. 
For Nebraska Borrowers: You promise to pay all costs of collecting the amount You owe under this Agreement to the 
extent permitted by state law. 
For  New  Hampshire  Borrowers:  You  agree  to  pay  all  costs  of  collecting  what  You  owe  under  this  Agreement  and 
reasonable attorney's fees. If You win in any action, suit or proceeding brought by the Credit Union or in any action You 
bring against the Credit Union, You will be awarded reasonable attorney's fees. If You successfully assert a partial defense 
or set-off, recoupment or counterclaim, the court may withhold from the Credit Union the entire amount or such portion of 
the attorney's fees as the court considers equitable. 
For New Jersey Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including 
reasonable attorney's fees not exceeding 20.00% of the principal and interest due and all court costs. 
For Ohio Borrowers: You promise to pay all costs of collecting the amount You owe under this Agreement to the extent 
permitted by state law. 
For Arkansas Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including 
attorney's fees not to exceed 10.00% of the amount of principal plus interest and all court costs. 
For Oklahoma Borrowers: You promise to pay all costs of collecting the amount You owe under this Agreement. These 
costs include reasonable attorney's fees not in excess of 15.00% of the unpaid debt after default and referral to an attorney, 
not a salaried employee of the Credit Union, unless You borrowed $1,000.00 or less at an interest rate greater than 10.00% 
per year. 
For Oregon Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including court 
costs, reasonable attorney's fees and the costs of any appeal by the Credit Union. 
For South Carolina Borrowers: You promise to pay all costs of collecting the amount You owe under this Agreement. 
These costs will include reasonable attorney's fees not in excess of 15.00% of the unpaid debt after default unless You 
borrowed $1,000.00 or less at an interest rate greater than 18.00% per year. 
For South Dakota Borrowers: You promise to pay all costs of collecting the amount You owe under this Agreement to the 
extent permitted by state law. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02100283-MXC20-P-1-060217 (MXC201-E) 

SEE NEXT PAGE for more important information about Your Account. 

 
 
 
 
 
 
For Wyoming Borrowers: You promise to pay all costs of collecting the amount You owe under this Agreement. These 
costs will include reasonable attorney's fees unless You borrowed $1,000.00 or less at an interest rate greater than 10.00% 
per year. 
For Colorado Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including 
court costs and reasonable attorney's fees paid to an individual who is not an employee of the Credit Union. The attorney's 
fees You pay will not exceed 15.00% of the unpaid debt after default. 
For Connecticut Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including 
reasonable attorney's fees not in excess of 15.00% of any judgment and all court costs. 
For Washington D.C. Borrowers: You agree to pay  all costs of collecting the amount You owe under this Agreement, 
including reasonable attorney's fees not in excess of 15.00% of the unpaid debt and all court costs. 
For Georgia Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including 
reasonable attorney's fees not in excess of 15.00% of the unpaid debt and all court costs. 
For Idaho Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including court 
costs and, if the amount You borrowed was greater than $1,000.00, reasonable attorney's fees. 
For  Illinois  Borrowers:  You  promise  to  pay,  subject  to  applicable  law,  all  costs  of  collecting  what  You  owe  under  this 
Agreement and all costs of realizing on any security for the Plan including court costs, collection agency fees and reasonable 
attorney’s fees. We may enter into a contingent or hourly fee arrangement with an attorney or collection agency and You 
agree  that  such  an  Agreement  is  reasonable.  This  provision  also  applies  to  bankruptcy,  appeals  or  post-  judgment 
proceedings. 
For Kansas Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including court 
costs and reasonable attorney's fees paid to an individual who is not an employee of the Credit Union. The attorney's fees 
You pay will not exceed 15.00% of the unpaid debt after default. 
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 Introductory Purchase APR is 6.90%, which is a daily periodic rate of 0.0189% 
The Purchase APR is between 9.59% and 17.90%, which is a daily periodic rate of between 0.0189% and 0.4904% 

which is a daily periodic rate of 

. 

The Introductory Balance Transfer APR is 6.90%, which is a daily periodic rate of 0.0189% 
The Balance Transfer APR is between 9.59% and 17.90%, which is a daily periodic rate of between 0.0189% and 0.4904% 

The Introductory Cash Advance APR is 6.90%, which is a daily periodic rate of 0.0189% 
The Cash Advance APR is between 9.59% and 17.90%, which is a daily periodic rate of between 0.0189% and 0.4904%

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02100283-MXC20-P-1-060217 (MXC201-E)