CREDIT CARD 
ACCOUNT 
OPENING 
DISCLOSURE 

This document 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 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 
Paying Interest 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

This APR will vary with the market based on the Prime Rate. 

This APR will vary with the market based on the Prime Rate. 

This APR will vary with the market based on the Prime Rate. 

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 

Transaction Fees 
- Balance Transfer Fee 
- Cash Advance Fee 
- Foreign Transaction Fee 

Penalty Fees 
- Late Payment Fee 
- Returned Payment Fee 

None 
None 
None 

Up to $25.00 
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. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement. 

For California Borrowers, this credit card is a secured credit card. Credit extended under this credit card account 
is  secured  by  various  personal  property  and  money  including,  but  not  limited  to:  (a)  any  goods  you  purchase 
with  this  account,  (b)  any  shares  you  specifically  pledge  as  collateral  for  this  account  on  a  separate  Pledge  of 
Shares,  (c)  all  shares  you  have  in  any  individual  or  joint  account  with  the  credit  union  excluding  shares  in  an 
Individual  Retirement  Account  or  in  any  other  account  that  would  lose  special  tax  treatment  under  state  or 
federal  law,  and  (d)  collateral  securing  other  loans  you  have  with  the  credit  union  excluding  dwellings. 
Notwithstanding  the  foregoing,  you  acknowledge  and  agree  that  during  any  periods  when  you  are  a  covered 
borrower  under  the  Military  Lending  Act  your  credit  card  will  be  secured  by  any  specific  Pledge  of  Shares  you 
grant us but will not be secured by all shares you have in any individual or joint account with the credit union. 
For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are 
not a covered borrower; or (ii) you cease to be a covered borrower. 

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 

SEE NEXT PAGE for more important information about your account. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

03100017-MXC20-C-1-112017 (MXC201-E) 

I003574SEFCU LIGHTNING CREDIT CARD A12.74%12.74%14.74%None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). 

To receive this notice verbally, please call (800) 727-3328 during our normal business hours. 

Other Fees & Disclosures: 
Late Payment Fee: $25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 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:  $25.00  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 fees. 

Periodic Rates: 
The Purchase 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 

. 

. 

Variable Rate: The ANNUAL PERCENTAGE RATE is subject to change quarterly to reflect any change in the Index and 
will  be  determined  by  the  Prime  Rate  45  days  prior  to  the  first  day  of  each  calendar  quarter  (January,  April,  July  and 
October)  as  published  in  The  Wall  Street  Journal  “Money  Rates”  table  to  which  we  add  a  margin.  The  ANNUAL 
PERCENTAGE  RATE  will  never  be  greater  than  18.00%.  Any  increase  in  the  ANNUAL  PERCENTAGE  RATE  will  take 
the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, 
the credit union will choose a new index which is based upon comparable information. 

Margin: 
Purchases will be charged at
Balance Transfers will be charged at
Cash Advances will be charged at

 above the Index. 

 above the Index. 

 above the Index. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

03100017-MXC20-C-1-112017 (MXC201-E) 

I00357412.74%1.0617%12.74%1.0617%14.74%1.2283%7.99%7.99%9.99%