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(cid:48)(cid:72)(cid:79)(cid:85)(cid:82)(cid:86)(cid:72)(cid:15)(cid:3)(cid:48)(cid:49)(cid:3)(cid:24)(cid:25)(cid:22)(cid:24)(cid:21)
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(cid:90)(cid:90)(cid:90)(cid:17)(cid:80)(cid:92)(cid:70)(cid:80)(cid:70)(cid:88)(cid:17)(cid:82)(cid:85)(cid:74)

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. 

VISA cashRewards

Approved Credit Limit: 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases
APR for Balance Transfers 

APR for Cash Advances 

Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

15.90%

15.90%

15.90%

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. 
None

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
Set-up and Maintenance Fees 
- Annual Fee 
- Account Set-up Fee 

None
None

Transaction Fees 
- Foreign Transaction Fee 

Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

1.00% of each transaction in U.S. dollars 

Up to $25.00
Up to $3.00

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). 

Please call us at (888) 330-8482 to receive oral disclosures of the Military Lending Act disclosure above and a description 
of the payment obligation. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02202042-MXC20-P-2-052617 (MXC201-E) 

SEE NEXT PAGE for more important information about Your Account. 

Other Fees & Disclosures: 
Late Payment Fee: 
$25.00 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.

Returned Payment Fee: 
$3.00  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's fees. 

Periodic Rates: 

15.90%
The Purchase APR is
The Balance Transfer APR is
The Cash Advance APR is

 which is a monthly periodic rate of 

1.3250%
.

15.90%

 which is a monthly periodic rate of 

1.3250%
.

15.90%

 which is a monthly periodic rate of 

1.3250%
.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

02202042-MXC20-P-2-052617 (MXC201-E)