� CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 02100157-MXC20-P-1-032217 (MXC201-E)
CREDIT CARD
ACCOUNT
OPENING
DISCLOSURE
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
APR for Balance Transfers
APR for Cash Advances
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 or balance transfers if You pay
Your entire balance by the due date each month. We will begin charging
interest on cash advances on the transaction date.
For Credit Card Tips from the
Consumer Financial Protection BureauTo 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
- Additional Card FeeNone
None
Transaction Fees
- Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
- Returned Payment FeeUp to $25.00
Up to $15.00
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.
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  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 the above disclosure verbally, please call us toll free at 1-888-393-7716.
SEE NEXT PAGE for more important information about Your Account. � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 02100157-MXC20-P-1-032217 (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 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:
$15.00  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's fees.
Periodic Rates:
The Purchase APR is  which  is a daily periodic rate of .
The Balance Transfer APR is  which is a daily periodic rate of
. The Cash Advance APR is  which is a daily periodic rate of.