� CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 02202042-MXC20-P-1-120321 (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 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.
Minimum Interest Charge None
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
- Account Set-up Fee$10.00
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 $3.00
How We Will Calculate Your Balance:
Weuseamethod called "average daily balance (including new purchases)." See Your Account Agreement formore
details.
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).
Please callusat(888) 330-8482 toreceive oraldisclosures oftheMilitary Lending Actdisclosure above andadescription
of the payment obligation.
SEE NEXT PAGE for more important information about Your Account. � CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 02202042-MXC20-P-1-120321 (MXC201-E)Other Fees & Disclosures:
Late Payment Fee:
$25.00 ortheamount oftherequired minimum payment, whichever isless, ifYou are10ormore 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.
Annual Fee:
$10.00. IfYour Account issubject toanAnnual Fee, thefeewillbecharged toYour Account upon theissuance ofYour
Card. Each year following, theAnnual Fee willbecharged toYour Account during thesame month thatYou Were first
charged the fee. The fee will be charged each year until Your Account is closed and paid in full.
Returned Payment Fee:
$3.00 ortheamount oftherequired minimum payment, whichever isless. IfYour Account issubject toaReturned
Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason.
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 a monthly  periodic rate of .
The Balance Transfer APR is  which is a monthly  periodic rate of .
TheCash Advance  APR is  which is a monthly  periodic rate of .