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. 

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 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

After that, Your APR will be 

. 

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. 

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 

Transaction Fees 
- Balance Transfer Fee 
- Cash Advance Fee 
- Foreign Transaction Fee 

None 

None 
None 
1.00% of each transaction in U.S. dollars 

- Transaction Fee for Purchases 

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 
The Purchase APR is 
The Introductory Balance Transfer APR is
The Balance Transfer APR is 
The Cash Advance APR is 

which is a monthly periodic rate of 

which is a monthly periodic rate of 
. 

which is a monthly periodic rate of 

 which is a monthly periodic rate of 
. 

which is a monthly periodic rate of 

. 

. 

. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

04500386-MXC20-C-5-110717 (MXC201-E) 

SEE NEXT PAGE for more important information about Your Account.