None$__________ (charged at the time you open the card, and at the time any requestedcredit limit increase is approved)
SEE NEXT PAGE for more important information about this account
page 1 of 2The following disclosure represents important details concerning your credit card. This statement is incorporated into andbecomes a part of your Credit Card Agreement. We reserve the right to periodically review your credit standing and to increase any rate on your new balances, in accordance with applicable law.TRUTH-IN-LENDING DISCLOSURESTATEMENT - ACCOUNT OPENING DISCLOSURES
9010 LASER ML FI16280 Rev 9-2015 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.BORROWER 2 NAMEBORROWER 1 NAMEDATEACCOUNT NUMBER
For Credit Card Tips from theConsumer Financial ProtectionBureauINTEREST RATES and INTEREST CHARGES:Your due date is at least 21 days after we mail your billing statement. We will notcharge you interest on purchases if you pay your entire balance by the due dateeach month. We will begin charging interest on cash advances and balance transferson the date the cash advance or balance transfer is posted to your account.Minimum Interest ChargePaying InterestNoneAnnual Percentage Rate (APR)for Purchases, Cash Advances,& Balance Transfers %
To learn more about factors to consider when applying for or using a credit card, visitthe website of the Consumer Financial Protection Bureau athttp://www.consumerfinance.gov/learnmore
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See youraccount agreement for more details.Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your accountagreement.Accentra Credit Union
400 Fourth Ave NEAustin, Minnesota 55912Phone: (507) 433-1829 or (800) 533-0448Fax: (507) 434-3300www.accentracu.org
FEES:Fees to Open or Maintain yourAccount
� Annual Fee:� Account Set Up Fee:
Transaction Fees� Balance Transfer:� Cash Advance:� Foreign Transaction:NoneNone1.00% of each transaction in U.S. dollars if the transaction involves a currency conversion0.80% of each transaction in U.S. dollars if the transaction does not involve a currencyconversion
Penalty FeesUp to $20.00 if your payment is 20 or more days lateNoneUp to $15.00 if your payment is returned for any reason� Late Payment:� Over-the-Credit Limit:� Returned Payment: OTHER IMPORTANT DISCLOSURES:
page 2 of 2Daily Periodic Rate: Purchases; Cash Advances; Balance Transfers: _______________%.
Other Fees: In addition to the fees disclosed above, the following fees may be imposed:
Document/Statement Copy Fee:Card Replacement Fee:$5.00$10.00
Minimum Payment Requirement: 2.5% of the outstanding balance, subject to a minimum of $20.00.
Credit Limit: $_______________.THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS
AGREEMENT.
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTSYOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THISAGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/ORFEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE.Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment understate or federal law if given are not subject to this security interest.If you have other loans with us, collateral securing such loans will also secure your obligations under this Agreement, unlessthat other collateral is your principal residence or non-purchase money household goods.