�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03111048-MXC20-P-1-111517 (MXC201-E)
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 Y our LOANLINER Consumer Credit Card Agreement & Disclosure.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases
APR for Balance Transfers
APR for Cash Advance s
Penalty APR and When it Applies
This APR may be applied to Your Account if You:
- Make a late payment .
How Long Will the Penalty APR Apply?  If Your APRs are increased for
this reason , the Penalty  APR will apply until You make six consecutive
minimum payment s when due.
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 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.
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
Transaction Fees
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee Upto$25.00
How We Will Calculate Your Balance:
Weuseamethod called "average daily balance (excluding new purchases) (including new balance transfers andcash
advances)."  See Your Account Agreement for more details.
Application of Penalty APR:
Your APR may be increased to the di sclosed Penalty APR if You  are60 days late in making a paym ent.
Billing Rights:
Information onYour rights todispute transactions and how toexercise those rights isprovided inYour Account
Agreement.
Military Lending Act Disclosures:
Federal lawprovides important protections tomembers oftheArmed Forces andtheir dependents relating toextensions
ofconsumer credit. Ingeneral, thecost ofconsumer credit toamember oftheArmed Forces andhisorherdependent
may notexceed anannual percentage rateof36percent. This ratemust include, asapplicable tothecredit transaction or
account: The costs associated with credit insurance premiums; fees forancillary products sold inconnection with the
credit transaction; anyapplication feecharged (other than certain application fees forspecified credit transactions or
accounts); and any participation fee charged (other than certain participation fees for a credit card account).
SEE NEXT PAGE for more important information about Your Account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 03111048-MXC20-P-1-111517 (MXC201-E)Please callusat(833) 746-6415 toreceive oraldisclosures oftheMilitary Lending Actdisclosure above andadescription
of the payment obligation.
Other Fees & Disclosures:
Late Payment Fee:
$25.00 ortheamount oftherequired minimum payment, whichever isless, ifYou are1ormore days lateinmaking a
payment. IfYour Account issubject toaLate Payment Fee, thefeewillbecharged toYour Account when You donot
make therequired minimum payment byorwithin thenumber ofdays ofthestatement Payment Due Date setforth onthis
Disclosure.
Rush Fee:
$70.00 .IfYour Account issubject toaRush Fee, except aslimited byapplicable law, afeemay becharged toYour
Account foreach rush Card thatYourequest, providing thatdelivery oftheCard isalso available bystandard mail service,
without paying a fee for delivery.
Statement Copy Fee:
$1.00 .IfYour Account issubject toaStatement Copy Fee, except aslimited byapplicable lawandwhen therequest is
made inconnection with abilling error made bytheCredit Union, afeemay becharged toYour Account foreach copy of
a sales draft or statement that You request.
Express Card Fee :
$35.00 .Express card fee (rush card fee)
Collection Costs:
You agree topayallcosts ofcollecting theamount You owe under thisAgreement, including court costs andreasonable
attorney's fees.
Periodic Rates:
The Purchase APR is  which is adaily periodic rate of .
TheBalance Transfer APR is  which is adaily periodic rate of .
TheCash Advance APR is  which is adaily periodic rate of .
ThePenalty Rate APR is  which is adaily periodic rate of .