CREDIT CARD  ACCOUNT OPENING DISCLOSURE
VISA PLATINUM OPTIMUMPO Box 7850
Ann Arbor, MI 48107(734) 662-8200 � (800) 968-UMCUUMCU.ORG
Interest Rates and Interest ChargesAnnual Percentage Rate (APR) for  Purchases
8.99%
APR for Balance Transfers 8.99% APR for Cash Advances 8.99% Penalty APR and When it Applies None Paying Interest Your due date is at least 27 days after the close of each billing cycle. We willnot charge You any interest on purchases if You pay Your entire balance bythe due date each month. We will begin charging interest on cash advancesand balance transfers on the transaction date. Minimum Interest Charge None For Credit Card Tips from theConsumer Financial Protection Bureau To learn more about factors to consider when applying for or using acredit card, visit the website of the Consumer Financial ProtectionBureau at http://www.consumerfinance.gov/learnmore. FeesSet-up and Maintenance Fees- Annual Fee- Account Set-up Fee- Program Fee- Participation Fee- Additional Card Fee- Application FeeNoneNoneNoneNone$5.00None Transaction Fees- Balance Transfer Fee None- Foreign Transaction Fee- Non-UMCU/Non-CO-OP- Network ATM Transaction Fee- Overdraft Protection Transfer FeeNone1.00% of each transaction in U.S. dollars$2.00$2.00 Penalty Fees- Late Payment Fee- Over-the-Credit Limit Fee- Return Payment Fee Up to $35.00NoneNone
SEE NEXT PAGE for more important information about your account.
02107749-MXC10-C-1-043019 (MXC101-E) � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
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.
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.
Page 1 of 3 Military Lending Act Disclosure: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 1-800-968-8628 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 10 or more days late in making a payment. In the event You fail to make a payment on time in any of the six billing cycles following the initial violation, You will be charged $35.00 or the amount of the required minimum payment, whichever is less. 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.Additional Card Fee:$5.00. If Your Account is subject to an Additional Card Fee, a fee will be charged for each additional Card issued to Your  Account.Non-UMCU/Non-CO-OP Network ATM Transaction Fee (Finance Charge):If Your Account is subject to an ATM Fee, except as limited by applicable law, a fee may be charged to Your Account each time you conduct a transaction at an ATM that is not a University of Michigan Credit Union or CO-OP Network ATM.Overdraft Protection Transfer Fee (Finance Charge):$2.00. If Your Account is subject to an Overdraft Protection Transfer Fee, the fee will be charged to Your Account each time an overdraft advance occurs, subject to Your Agreement.Returned Convenience Check Fee:None.Card Recovery Fee:None.Card Replacement Fee:$5.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that isissued to You for any reason.Document Copy Fee:$10.00 . 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).Emergency Card Replacement Fee:None.Pay-by-Phone Fee:$10.00. 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.PIN Replacement Fee:None.Rush Fee:None.SEE NEXT PAGE for more important information about your account.
02107749-MXC10-C-1-043019 (MXC101-E) � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
 Page 2 of 3 Statement Copy Fee:$5.00 per document. 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.Unreturned Card Fee:None.Account Research Fee:$30.00 per hour. Minimum of $30.00. If Your Account is subject to an Account Research 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 calculated on an hourly  basis may be charged to Your Account each time you request your account to be researched.Periodic Rates:The Purchase APR is 8.99% which is a daily periodic rate of 0.0246%.The Balance Transfer APR is 8.99% which is a daily periodic rate of 0.0246%.The Cash Advance APR is 8.99% which is a daily periodic rate of 0.0246%.
02107749-MXC10-C-1-043019 (MXC101-E) � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved
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