� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 02202042-MXC20-P-1-050417 (MXC201-E)CREDIT CARDACCOUNTOPENINGDISCLOSURE
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 ChargesAnnual Percentage Rate (APR) forPurchases
APR for Balance Transfers
APR for Cash Advances
Paying InterestYour due date is at least 25 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 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- Account Set-up Fee$10.00None
Transaction Fees
- Foreign Transaction Fee1.00% of each transaction in U.S. dollars
Penalty Fees- Late Payment Fee- Returned Payment FeeUp to$25.00Up to$3.00
How We Will Calculate Your Balance:We use a method called "average daily balance (including new purchases)." See Your Account Agreement for moredetails.Billing Rights:Information on Your rights to dispute transactions and how to exercise those rights is provided in Your AccountAgreement.Military Lending Act Disclosures:Federal law provides important protections to members of the Armed Forces and their dependents relating to extensionsof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependentmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction oraccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with thecredit transaction; any application fee charged (other than certain application fees for specified credit transactions oraccounts); and any participation fee charged (other than certain participation fees for a credit card account).Please call us at (888) 330-8482 to receive oral disclosures of the Military Lending Act disclosure above and a descriptionof the payment obligation.SEE NEXT PAGE for more important information about Your Account.
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VISA CLASSIC A
11.90%
11.90%11.90% � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 02202042-MXC20-P-1-050417 (MXC201-E)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 apayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do notmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on thisDisclosure.Annual Fee
:
$10.00. If Your Account is subject to an Annual Fee, the fee will be charged to Your Account upon the issuance of YourCard. Each year following, the Annual Fee will be charged to Your Account during the same month that You Were firstcharged the fee. The fee will be charged each year until Your Account is closed and paid in full.Returned Payment Fee
:
$3.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a ReturnedPayment 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 reasonableattorney's fees.Periodic Rates:The Purchase APR is  which is a monthly periodic rate of .The Balance Transfer APR is  which is a monthly periodic rate of .The Cash Advance APR is  which is a monthly periodic rate of .
11.90% 0.9917%11.90% 0.9917%11.90% 0.9917%