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. 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases Introductory APR for a period of 12 billing cycles. After that, Your APR will be . 
APR for Balance Transfers  Introductory APR for a period of 12 billing cycles. After that, Your APR will be . 
APR for Cash Advances 
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 
Annual Fee - Annual Fee 
None 
Transaction Fees - Balance Transfer Fee - Cash Advance Fee - Foreign Transaction Fee - Transaction Fee for Purchases None None 1.00% of each transaction in U.S. dollars None 
Penalty Fees - Late Payment Fee - Over-the-Credit Limit Fee - Returned Payment Fee 
Up to $25.00 None 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 first 12 months following issuance of Your Card. Any existing balances on Member One Federal Credit Union loan or credit 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. 
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 
SEE NEXT PAGE for more important information about Your Account. 
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04500386-MXC20-C-5-110717 (MXC201-E)      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 (800) 666-8811 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. Your Account is subject to a Late Payment Fee, which 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. Your Account is subject to a Returned Payment Fee, which 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. Your Account is subject to a Returned Convenience Check Fee, which will be charged to Your Account when a convenience check is returned for any reason. Card Replacement Fee: $10.00. Your Account is subject to a Card Replacement Fee, which will be charged for each replacement Card that is issued to You for any reason. Document Copy Fee: $20.00 . Your Account is subject to a Document Copy Fee, except as limited by applicable law, which 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). Emergency Card Replacement Fee: $250.00. Your Account is subject to an Emergency Card Replacement Fee, which will be charged to Your Account for each emergency replacement Card that is issued to You. Pay-by-Phone Fee: Up to $12.00. Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, which will be charged for each time You make an expedited payment by telephone or electronic means as disclosed on this Disclosure. If the expedited payment is made through our card processor, the fee will be $5.00. If the expedited payment is made through the Member One FCU contact center, the fee will be $12.00. Rush Fee: $20.00. Your Account is subject to a Rush Fee, except as limited by applicable law, which 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: $5.00 . 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, which may be charged to Your Account for each copy of a sales draft or statement that You request. Stop Payment on Convenience Check Fee: $25.00. Your Account is subject to a Stop Payment on Convenience Check Fee, which may be charged to Your Account for each Stop Payment placed on a Convenience Check associated with Your Account. Periodic Rates: The Introductory Purchase APR is which is a monthly periodic rate of . The Purchase APR is which is a monthly periodic rate of . The Introductory Balance Transfer APR is  which is a monthly periodic rate of . The Balance Transfer APR is which is a monthly periodic rate of . The Cash Advance APR is which is a monthly periodic rate of . 
SEE NEXT PAGE for more important information about Your Account. 
� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 04500386-MXC20-C-5-110717 (MXC201-E)