CREDIT CARD ACCOUNT 

OPENING DISCLOSURE VISA 

PO Box 419001 
Melbourne, 

FL 32941-9001 

Visa Platinum 

This Disclosure 

is incorporated 

into and becomes part of your LOANLINER® Consumer 

Please keep this attached 

to your LOANLINER 

Consumer 

Credit 

Credit 
Card Agreement. 

Card Agreement. 

Rates and Interest 

Charges 

Interest 
Annual Percentage 
Purchases 

Rate (APR) for  0.00% Introductory 

APR for a period 

of six 

billing 

cycles. 

APR for Balance 

Transfers 

APR for Cash Advances 

Penaltv 
Paying Interest 

APR and When it Annlies  N/A 

After that your APR will be 10.99°/o. 

0.00% Introductory 

APR for a period 

of six billing 

cycles. 

After that your APR will be 10.99% 
0.00% Introductory 

APR for a period 

of six billing 

cycles. 

After that vour APR will be 10.99% 

Your due date is at least 25 days after the close of each billing 
We will not charge you any interest 
balance 
balance 
If vou are charaed 

by the due date each month. We will begin charging 
on the transaction 
transfers 

and cash advances 
interest, 

the charae will be no less than $0.01 

if you pay your entire 
on 
interest 

on purchases 

cycle. 

date. 

Minimum Interest 
For Credit Card Tips from the Consumer To learn more about factors 
Financial 

Protection 

Charae 

Bureau 

to consider 

for or 
when applying 

card, visit the website 

of the Consumer Financial 

using a credit 
Protection 

Bureau at http://www.consumerfinance.gov/learnmore. 

Fees 

Fees 
Set-up and Maintenance 
-Annual Fee
-Account 
Set-up Fee
-Program Fee
-Participation 
Fee
Card Fee
-Additional 
Fee
-Aoolication 
Fees
Transaction 
-Balance Transfer 
N/A 
-Foreign  Transaction Fee1.00% of each multiple  currency 

N/A 
N/A 
N/A 
N/A 
N/A 
N/A 

Fee

N/A  of each single 

currency transaction 

in U.S. dollars 

transaction 

in U.S. dollars 

Fee for Purchases

-Transaction 
Fees
Penalty 
-Late Payment Fee
-Returned 

Payment Fee

Up to $37.00 
Uo to $30.00 

How We Will Calculate 
Agreement 
your account 

Your Balance: 
for more details. 

We use a method called 

"average 

daily balance 

(including 

new purchases)." 

See 

Promotional 
will apply to transactions 

Period for Introductory 

APR: The Introductory 

posted to your account 

during 

the first 

APR for purchases, 
six months following 

balance 
the opening 

of your account. 

transfers, 

and cash advances 

Minimum Interest 

Charge: 

The minimum interest charge 

will be charged 

on any dollar 

amount. 

Billing 
account 

Rights: 
Agreement. 

Information 

on your rights 

to dispute 

transactions 

and how to exercise 

those rights 

is provided 

in your 

I.OMIUN!R. 
© CUNA Mutual 

Group 2009, 10, 12 All Rights 

Reserved 

SEE NEXT PAGE for more important 

information 

about your account. 

OTHER FEES AND DISCLOSURES 

Late Payment Fee 
$27.00 or the amount of the required 
payment 
by the final calendar 
time in any of the six billing  cycles  following 
minimum payment, 

whichever 
day of the month in which your payment 

minimum payment, 

whichever 

is less. 

you will be charged 
the initial  violation, 

is less, if you fail to make your required 

is due. In the event you fail to make a payment 

minimum 
on 

$37.00 or the amount of the required 

Payment Fee 

Returned 
$30.00 or the amount of the required 
Payment Fee, the fee will be charged 

minimum payment, 

whichever 

to Your Account 

when a payment 

is less. If Your Account 
is returned 

for any reason. 

is subject 

to a Returned 

Rush Fee 
N/A . If Your Account 
Account 
without 

is subject to a Rush Fee, except as limited 
for each rush card that You request.  Providing 
paying a fee for delivery. 

delivery 

by applicable 

law, a few may be charged 

to Your 

of the card is also available 

by standard 

mail service 

Card Replacement Fee 

Emergency 
N/A . If Your Account 
each emergency 

replacement 

card that is issued 

to You. 

is subject to an Emergency 

Card Replacement 

Fee, a fee will be charged 

for 
to Your Account 

Sales Draft Copy Reguest 
Fee 
N/A 

Original 
N/A 

Fee 
Sales Draft Copy Request 

Periodic Rates: 
The Introductory 
Purchase 
The Purchase 
The Introductory 
Balance 
The Balance 
Transfer 
The Introductory 
The Cash Advance 

APR is 0.00% which is a daily periodic 

rate of0.0000% 

APR is 10.99% which is a daily periodic 

rate of0.0301% 

Transfer 

APR is 0.00% which is a daily periodic 

rate of 0.0000% 

APR is 10.99% which is a daily periodic 

rate of 0.0301 
APR is 0.00% which is a daily periodic 

Cash Advance 

% 

rate of 0.0000% 

APR is 10.99% which is a daily periodic 

rate of 0.0301 

%