SEE NEXT PAGE for more important information about Your Account.  
02100861 -MXC20 -C-3-122018 (MXC201 -E) � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved    
CREDIT CARD 
ACCOUNT 
OPENING 
DISCLOSURE  
 
VISA PLATINUM  
Approved  Credit  Limit:     
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  9.00% 
This APR will vary with the market based on the Prime Rate.  
APR for Balance Transfers  9.00% 
This APR will vary with the market based on the Prime Rate.  
APR for Cash Advances  9.00% 
This APR will vary with the market based on the Prime Rate.  
Penalty APR and When it Applies  None  
How to Avoid Paying Interest  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.  
For Credit Card Tips from the 
Consumer Financial Protection Bureau  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  None  
- Account Set -up Fee  None  
- Program Fee  None  
- Participation Fee  None  
- Additional Card Fee  None  
- Application Fee  None  
Transaction Fees   
- Balance Transfer  Fee 
- Cash Advance  Fee 
- Foreign Transaction  Fee None  
3.00% of the amount of each cash advance  
1.00% of each transaction in U.S. dollars  
- Transaction Fee for Purchases  None  
Penalty Fees  
- Late Payment  Fee 
- Returned Payment  Fee  
Up to $20.00  
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.  
 SEE NEXT PAGE for more important information about Your Account.  
02100861 -MXC20 -C-3-122018 (MXC201 -E) � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved   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 o f 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 th an 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) 323 -2129 to receive oral disclosures of the Military L ending Act disclosure above and a description 
of the payment obligation.  
 
Other Fees & Disclosures:  
Late Payment Fee:  
$20.00 or the amount of the required minimum payment, whichever is less, if You are 5 or more days late in making a 
payment. If Your Accou nt 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.  
 
Cash Advance Fee (Finance Charge ): 
3.00% of each cash advance. If Your Account is subject to a Cash Advance Fee (finance charge), the fee will be charged 
to Your Account when You obtain a cash advance from an ATM, the Credit Union or other financial institution.  
 
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.  
 
Card Replacement Fee:  
$10.00. If Your Ac count is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is 
issued to You for any reason.  
 
Document Copy Fee:  
$5.00 . 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:  
$165.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for 
each emergency replacement Card that is issued to You.  
 
PIN Replacement Fee:  
$5.00. If Your Account is subject to a PIN Replacement Fee, a fee will be charged to Your Account when ever You request 
a new PIN number for Your Account.  
 
Rush Fee:  
$65.00 second day. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to 
Your Account for each rush Card that You request, providing that delive ry of the Card is also available by standard mail 
service, without paying a fee for  delivery.  
 
Statement Copy Fee:  
$5.00 . 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.  
 
Express Shipping Fee:  
$90.00 Overnight. If Your Account is subject to an Express Shipping Fee, except as limited by applicable law, a fee may be 
charged to Your Account for each Express Shipping Card that You request, providing that delivery of the Card is also 
available by standard mail service, without paying a fee for delivery.   � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  02100861 -MXC20 -C-3-122018 (MXC201 -E)  Collection Costs:  
For Michigan Borrowers: You promise to pay all costs of collecting the amount You owe under this Agreement to the 
extent permitted by state law.  
For All Other Borrowers: You agree to pay all costs of collecting the amount You owe under this A greement, including 
court costs and reasonable attorney's fees.  
Periodic Rates:  
The Purchase APR is 9. 00% which is a daily periodic rate of 0. 025%. 
The Balance Transfer APR is 9. 00% which is a daily periodic rate of 0. 025%. 
The Cash Advance APR is 9. 00% wh ich is a daily periodic rate of 0. 025% . 
 
Variable Rate:  
The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change 
on the first day of the billing cycle quarterly to reflect any change in the Index and will be de termined by the Prime Rate on 
the first day of each calendar quarter (January, April, July and October), 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 result in 
an in crease in the amount of the interest You will pay, may increase Your minimum payment, and may increase the number 
of payments to pay off Your balance. If the Index is no longer available, the Credit Union will choose a new index which is 
based upon compara ble information.  
 
Margin:  
Purchases will be charged at 4.00% above the Index. 
Balance Transfers will be charged at 4.00% above the Index. 
Cash Advances will be charged at 4.00% above the Index.