Merced School Employees
Federal Credit Union
1021 Olivewood Drive • PO Box 1349
Merced, CA 95348
209-383-5550 • 800-542-2345
Fax: 209-383-0390
www.mercedschoolcu.org
MSEFCU
KMNUW.
V/SA
VISA STUDENT
CREDIT CARD ACCOUNT OPENING DISCLOSURE
This Addendum is incorporated into and becomes part ofyour 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	14.50%
APR for Balance Transfers	14.50%
APR for Cash Advances	14.50%
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 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 -	Balance Transfer Fee -	Cash Advance Fee -	Foreign Transaction Fee	None $2.00 1.00% ofeach transaction in U.S. dollars
Penalty Fees -	Late Payment Fee -	Over-the-Credit Limit Fee -	Returned Payment Fee -	Returned Convenience Check Fee	Up to $10.00 Up to $10.00 Upto $22.00 Upto $22.00
How We Will Calculate Your Balance. We use a method called "average daily balance (excluding 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
Over-the-Credit Limit Fee
Returned Payment Fee
Returned Convenience Check Fee
Statement Copy Fee
Document Copy Fee
Rush Fee
Card Replacement Fee
Visa Check Stop Payment Fee
$10.00 or the amount ofthe required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.
$10.00 or the amount of the transaction exceeding your credit limit, whichever is less.
$22.00 or the amount of the required minimum payment, whichever is less.
$22.00 or the amount of the returned convenience check, whichever is less.
$0.50 per page
$5.00
$50.00
$25.00
$15.00
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 14.50% which is a daily periodic rate of 0.0397%.
The Balance Transfer APR is 14.50% which is a daily periodic rate of 0.0397%.
The Cash Advance APR is 14.50% which is a daily periodic rate of 0.0397%.
©CUNA Mutual Group 2009,10,12 All Rights Reserved
DCAHY3 (MXC452 CCM002)-e