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

Introductory APR for

APR for Balance Transfers

Introductory APR for

After that, Your APR will be

.

This APR will vary with the market based on the Prime Rate.

.

.

APR for Cash Advances

Paying Interest

For Credit Card Tips from the
Consumer Financial Protection Bureau

After that, Your APR will be

.

This APR will vary with the market based on the Prime Rate.

This APR will vary with the market based on the Prime Rate.

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.

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
Annual Fee
- Annual Fee

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

None

$5.00 or 1.50% of the amount of each balance transfer, whichever is greater
$10.00 or 2.00% of the amount of each cash advance, whichever is greater
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 and balance transfers will apply to transactions posted to Your Account during the
. Any existing balances on Allegacy Federal Credit Union loan or credit
first
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.

SEE NEXT PAGE for more important information about Your Account.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

03204256-MXC20-C-1-011321 (MXC201-E)

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 1 (800) 782-4670 to receive oral disclosures of the Military Lending Act disclosure above and a
description of the payment obligation.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or the amount of the required minimum payment, whichever is less, if You are 1 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.

Balance Transfer Fee (Finance Charge):
$5.00 or 1.50% of the amount of each balance transfer, whichever is greater. This fee is in effect for transactions posted
during the promotional period. There will be no balance transfer fee on transactions posted after the promotional period. If
Your Account is subject to a Balance Transfer Fee (finance charge), the fee will be charged to Your Account when You
transfer a balance from an account of another creditor to the Account subject to Your Agreement.

Cash Advance Fee (Finance Charge):
$10.00 or 2.00% of the amount of each cash advance, whichever is greater. If Your Account is subject to a Cash Advance
Fee (finance charge), the fee will be charged to Your Account when You obtain a cash advance from an ATM, the Credit
Union or other financial institution.

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.

Pay-by-Phone Fee:
$12.00. If Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee will be charged for
each time You make a payment by telephone as disclosed on this Disclosure.

Rush Fee:
$35.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your
Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,
without paying a fee for delivery.

Statement Copy Fee:
$2.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is
made in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of
a sales draft or statement that You request.

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 Introductory Purchase APR is

 which is a daily periodic rate of

.

The Purchase APR is

 which is a daily periodic rate of

.

The Introductory Balance Transfer APR is

 which is a daily periodic rate of

.

The Balance Transfer APR is

 which is a daily periodic rate of

The Cash Advance APR is

 which is a daily periodic rate of

.

.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

03204256-MXC20-C-1-011321 (MXC201-E)

SEE NEXT PAGE for more important information about Your Account.

Variable Rate:
The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change
on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on
the first day of each calendar quarter (January, April, July and October), to which We add a margin. The ANNUAL
PERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in
an increase in the amount of the interest You will pay, may increase Your minimum payment, and may increase the
number of payments to pay off Your balance. If the Index is no longer available, the Credit Union will choose a new index
which is based upon comparable information.

Margin:

Purchases will be charged at

 above the Index.

Balance Transfers will be charged at

 above the Index.

Cash Advances will be charged at

 above the Index.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

03204256-MXC20-C-1-011321 (MXC201-E)