CREDIT CARD
ACCOUNT
OPENING
DISCLOSURE

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.

Approved Credit Limit:  $

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

%

This APR will vary with the market based on the Prime Rate.

APR for Balance Transfers

%

This APR will vary with the market based on the Prime Rate.

APR for Convenience Checks
APR for Cash Advances

%
%

Paying Interest

For Credit Card Tips from the
Consumer Financial Protection Bureau

Fees

Transaction Fees
- Convenience Check Fee

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.

 or 
whichever is greater

 of the amount of each convenience check, 

- Foreign Transaction Fee

 of each transaction in U.S. dollars

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

Up to 
Up to 

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).

Other Fees & Disclosures:
Late Payment Fee:

     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

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04213835-MXC20-C-2-101117 (MXC201-E)

SEE NEXT PAGE for more important information about Your Account.

make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this 
Disclosure.

Convenience Check Fee (Finance Charge):

or 

of  the  amount  of  each  convenience  check,  whichever  is  greater.  If  Your  Account  is  subject 

to  a Convenience Check Fee (finance charge), the fee will be charged to Your Account when You obtain a cash 
advance by use of a convenience check.

Returned Payment Fee:

        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:

     If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is 

issued to You for any reason.

Rush Fee:

        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 delivery of the Card is also available by standard mail service, 
without paying a fee for delivery.

Periodic Rates:
The Purchase APR is
The Balance Transfer APR is
The Convenience Check APR is
The Cash Advance APR is

%

 which is a daily periodic rate of

%

 which is a daily periodic rate of
%

 which is a daily periodic rate of

%

 which is a daily periodic rate of

.

.

.

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 monthly to reflect any change in the Index and will be determined by the Prime Rate on
the 10th of the month, 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 increase 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 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

04213835-MXC20-C-2-101117 (MXC201-E)