CREDIT CARD 
ACCOUNT 
OPENING 
DISCLOSURE 

VISA PLATINUM SHARED SECURED 

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 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 

Transaction Fees 
- Foreign Transaction Fee 

Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

7.75% 

7.75% 

7.75% 

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. 

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. 

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. 

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). 

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. 

 SEE NEXT PAGE for more important information about Your Account. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02100283-MXC20-P-2-060217 (MXC201-E) 

 
 
 
 
 
 
 
 
 
 
 
 
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. 

Collection Costs: 
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 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 Purchase APR is 7.75%  which is a daily periodic rate of  0.0299% . 
The Balance Transfer APR is 7.75%  which is a daily periodic rate of  0.0299% . 
The Cash Advance APR is 7.75%  which is a daily periodic rate of  0.0299% . 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02100283-MXC20-P-2-060217 (MXC201-E)