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 MSEFCU www.mercedschoolcu.org CREDIT CARD ACCOUNT OPENING DISCLOSURE VISA VISA STUDENT     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 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% of each transaction in U.S. dollars     Penalty Fees - Late Payment Fee - Returned Payment Fee   Up to $10.00 Up to $25.00   How We Will Calculate Your Balance: We use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash advances)." 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: $10.00 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.   SEE NEXT PAGE for more important information about Your Account. 10408870-MXC20-P-1-052417 (MXC201-E) LQOANLINER. © CUNA Mutual Group 2009, 10, 12, 16 All Rights ReservedCash Advance Fee (Finance Charge): $2.00. 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.   Returned Convenience Check Fee: $25.00 or the amount of the returned convenience check, whichever is less. If Your Account is subject to a Returned Convenience Check Fee, the fee will be charged to Your Account when a convenience check is returned for any reason.   Card Replacement Fee: $25.00. 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.   Document Copy Fee: $5.00 . If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to Your Account for each copy of a sales draft or statement that You request (except when the request is made in connection with a billing error made by the Credit Union).   Rush Fee: $50.00. 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: $0.50 per page. 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.   Visa Check Stop Payment Fee: $15.00. If Your Account is subject to a Visa Check Stop Payment Fee, the fee will be charged to Your Account each time a stop payment is requested.   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%. LOANLINER. © CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 10408870-MXC20-P-1-052417 (MXC201-E)