CREDIT CARD
ACCOUNT
OPENING
DISCLOSURE

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.

Approved Credit Limit:

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
APR for Balance Transfers

APR for Cash Advances

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 cash advances
and balance transfers on the transaction date.

Minimum Interest Charge

None

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

$10.00
None

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 $3.00

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.

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 (888) 330-8482 to receive oral disclosures of the Military Lending Act disclosure above and a description
of the payment obligation.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02202042-MXC20-P-1-120321 (MXC201-E)

SEE NEXT PAGE for more important information about Your Account.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if You are 10 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.

Annual Fee:
$10.00. If Your Account is subject to an Annual Fee, the fee will be charged to Your Account upon the issuance of Your
Card. Each year following, the Annual Fee will be charged to Your Account during the same month that You Were first
charged the fee. The fee will be charged each year until Your Account is closed and paid in full.

Returned Payment Fee:
$3.00 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.

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
The Balance Transfer APR is
The Cash Advance APR is

 which is a monthly periodic rate of

.

 which is a monthly periodic rate of

 which is a monthly periodic rate of

.

.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02202042-MXC20-P-1-120321 (MXC201-E)