� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 03100017-MXC20-C-1-112017 (MXC201-E)
CREDIT CARD
ACCOUNT
OPENING
DISCLOSURE
This document is incorporated into and becomes part of y our LOANLINER� Consumer Credit Card Agreement &
Disclosure. Please keep this attached to y our LOANLINER Consumer Credit Card Agreement & Disclosure.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesThis APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
This APR will vary with the market based on the Prime Rate.
Penalty APR and When it Applies
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.
For Credit Card Tips from the
Consumer Financial Protection BureauTo 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
- Balance Transfer Fee None
- Cash Advance Fee None
- Foreign Transaction Fee None
Penalty Fees
- Late Payment Fee
- Returned Payment FeeUp 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 a ccount Agreement for more details.
Billing Rights: Information on y our rights to dispute transactions and how to exercise those rights is provided in y our
account Agreement.
For California Borrowers, this credit card is a secured credit card. Credit extended under this credit card account
is secured by various personal property and money including, but not limited to: (a) any goods you purchase
with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of
Shares, (c) all shares you have in any individual or joint account with the credit union excluding shares in an
Individual Retirement Account or in any other account that would lose special tax treatment under state or
federal law, and (d) collateral securing other loans you have with the credit union excluding dwellings.
Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered
borrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you
grant us but will not be secured by all shares you have in any individual or joint account with the credit union.
For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are
not a covered borrower; or (ii) you cease to be a covered borrower.
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
SEE NEXT PAGE for more important information about your account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03100017-MXC20-C-1-112017 (MXC201-E)products sold inconnection with thecredit transaction; anyapplication feecharged (other than certain application fees for
specified credit transactions oraccounts); andanyparticipation feecharged (other than certain participation fees fora
credit card account).
To receive this notice verbally, please call (800) 727-332 8 during our normal business hours .
Other Fees & Disclosures:
Late Payment Fee: $25.00 or5.00% oftheamount oftherequir edminimum payment, whichever isless, ifyouare15or
more days lateinmaking apayment. Ifyouraccount issubject toaLate Payment Fee, thefeewillbecharged toyour
account when youdonotmake therequired minimum payment byorwithin thenumber ofdays ofthestatement Payment
Due Date set forth on this Disclosure.
Returned Payment Fee:$25.00 ortheamount oftherequired minimum payment, whichever isless. Ifyouraccount is
subject to a Returned Payment Fee, the fee will be charged to youraccount when a payment is returned for any reason.
Collection Costs :You agree topayallcosts ofcollecting theamount youowe under thisAgreement, including court
costs and reasonable attorney fees.
Periodic Rates:
The Purchase APR is  which is amonthly  periodic rate of .
TheBalance Transfer APR is  which is amonthly  periodic rate of .
TheCash Advance APR is  which is amonthly  periodic rate of .
Variable Rate: TheANNUAL PERCENTAGE RATE issubject tochange quarterly toreflect anychange intheIndex and
willbedetermined bythePrime Rate 45days prior tothefirstdayofeach calendar quarter (January, April, July and
October) aspublished inThe Wall Street Journal �Money Rates� table towhich weadd amargin. The ANNUAL
PERCENTAGE RATE willnever begreater than 18.00% .Any increase intheANNUAL PERCENTAGE RATE willtake
theform ofadditional payments shown asTotal Minimum Payments onthestatement .IftheIndex isnolonger available,
thecredit union will choose a new index which is based upon comparable information.
Margin:
Purchases will be charged at  above the Index.
Balanc e Transfers will be charged at  above the Index.
Cash Advances will be charged at  above the Index.