CREDIT CARD 
ACCOUNT 
OPENING 
DISCLOSURE 

VISA 

M-123146 

~cu 

l◄ ·MM•MMMl1 M#MM•■ : ■ 

1916 Black River Blvd. 
Rome,  NY  13440 
(315)  356-3000 

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. 

VISA GOLD 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Balance Transfers 

APR for Cash Advances 

Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from the 
Consumer Financial Protection Bureau 

Fees 
Annual Fee 
- Annual Fee 

Transaction Fees 
- Balance Transfer Fee 
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee 

10.90% 

10.90% 

15.90% 

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. 
If You are charged interest, the charge will be no less than $0.50. 
M-123145 
M-123145
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. 

None 

None 
1.00% of each transaction in U.S. dollars 

Up to $25.00 
Up to $25.00 

How We Will Calculate Your Balance: 
We  use  a  method  called  "average  daily  balance  (excluding  new  purchases  and  balance  transfers)  (including  new  cash
advances)." See Your Account Agreement for more details. 

Minimum Interest Charge:
The minimum interest charge will be charged on any dollar amount. 

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). 

Please call us at (800) 388-2000 to receive oral disclosures of the Military Lending Act disclosure above and a description 
of the payment obligation. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

SEE NEXT PAGE for more important information about Your Account. 

M-123146 

03105847-MXC20-P-1-081817 (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: 
$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. 

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               
The Balance Transfer APR is               
The Cash Advance APR is               

10.90%  which is a monthly periodic rate of  0.9080%. 

10.90%  which is a monthly periodic rate of  0.9080%. 

15.90%  which is a monthly periodic rate of  1.3250% . 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

M-123146 

03105847-MXC20-P-1-081817 (MXC201-E)