CREDIT CARD
ACCOUNT
OPENING
DISCLOSURE

This document 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.

SEFCU LIGHTNING CREDIT CARD (cid:38)

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
APR for Balance Transfers

APR for Cash Advances

Penalty APR and When it Applies
Paying Interest

For Credit Card Tips from the
Consumer Financial Protection Bureau

17.24%

This APR will vary with the market based on the Prime Rate.

This APR will vary with the market based on the Prime Rate.

This APR will vary with the market based on the Prime Rate.

17.24%

17.99%

None

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 balance
transfers and 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.

Fees

Transaction Fees
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

None
None
None

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).
To receive this notice verbally, please call (800) 727-3328 during our normal business hours.

Other Fees & Disclosures:
Late Payment Fee:
$25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 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.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

SEE NEXT PAGE for more important information about your account.

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Balance Transfer Fee (Finance Charge):
None.
you transfer a balance from an account of another creditor to the account subject to your Agreement.

If your account is subject to a Balance Transfer Fee (finance charge), the fee will be charged to your account when

Cash Advance Fee (Finance Charge):
None.
you obtain a cash advance from an ATM, the credit union or another financial institution.

If your account is subject to a Cash Advance Fee (finance charge), the fee will be charged to your account when

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.

Collection Costs:
You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable
attorney fees.

Periodic Rates:

17.24%
The Purchase APR is
The Balance Transfer APR is
The Cash Advance APR is

 which is a monthly periodic rate of

1.4367%

.

17.24%

 which is a monthly periodic rate of

1.4367%
.

17.99%

 which is a monthly periodic rate of

1.4992%

.

Variable Rate:

The ANNUAL PERCENTAGE RATE is subject to change quarterly to reflect any change in the Index and will be
determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July and October), as
published in The Wall Street Journal “Money Rates” table 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 take the form of additional
payments shown as Total Minimum Payments on the statement. 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
Balance Transfers will be charged at
Cash Advances will be charged at

12.99%

 above the Index.
12.99%

 above the Index.

13.74%

 above the Index.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

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