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.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases

 Introductory APR for a period of 12 billing cycles.

APR for Balance Transfers

 Introductory APR for a period of 12 billing cycles.

After that, Your APR will be

.

APR for Cash Advances

 Introductory APR for a period of 12 billing cycles.

After that, Your APR will be

.

Paying Interest

For Credit Card Tips from the
Consumer Financial Protection Bureau

After that, Your APR will be

.

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.

Fees

Transaction Fees
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

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 (including new purchases)." See Your Account Agreement for more
details.

Loss of Introductory APR:
We may end Your Introductory APR for purchases, balance transfers and cash advances and apply the prevailing non-
introductory APR if You are 60 days late in making a payment.

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).

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04500386-MXC20-C-3-032917 (MXC201-E)

SEE NEXT PAGE for more important information about Your Account.

Please call us at (800) 666-8811 to receive oral disclosures of the Military Lending Act disclosure above and a description
of the payment obligation.

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. Your Account is subject to a Late Payment Fee, which 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. Your Account is subject to a Returned
Payment Fee, which will be charged to Your Account when a payment is returned for any reason.

Returned Convenience Check Fee:
$25.00 or the amount of the returned convenience check, whichever is less. Your Account is subject to a Returned
Convenience Check Fee, which will be charged to Your Account when a convenience check is returned for any reason.

Card Replacement Fee:
$10.00. Your Account is subject to a Card Replacement Fee, which will be charged for each replacement Card that is
issued to You for any reason.

Document Copy Fee:
$20.00 . Your Account is subject to a Document Copy Fee, except as limited by applicable law, which may be charged to
Your Account for each copy of a sales draft or statement that You request (except when the request is made in
connection with a billing error made by the Credit Union).

Emergency Card Replacement Fee:
$250.00. Your Account is subject to an Emergency Card Replacement Fee, which will be charged to Your Account for
each emergency replacement Card that is issued to You.

Pay-by-Phone Fee:
Up to $12.00. Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, which will be
charged for each time You make an expedited payment by telephone or electronic means as disclosed on this
If the expedited payment
Disclosure.
is made through the Member One FCU contact center, the fee will be $12.00.

If the expedited payment is made through our card processor, the fee will be $5.00.

Rush Fee:
$20.00. Your Account is subject to a Rush Fee, except as limited by applicable law, which 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.

Statement Copy Fee:
$5.00 . Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is
made in connection with a billing error made by the Credit Union, which may be charged to Your Account for each copy of
a sales draft or statement that You request.

Stop Payment on Convenience Check Fee:
$25.00. Your Account is subject to a Stop Payment on Convenience Check Fee, which may be charged to Your Account
for each Stop Payment placed on a Convenience Check associated with Your Account.

Periodic Rates:
The Introductory Purchase APR is
The Purchase APR is
The Introductory Balance Transfer APR is
The Balance Transfer APR is
The Introductory Cash Advance APR is
The Cash Advance APR is

 which is a monthly periodic rate of

 which is a monthly periodic rate of
.

 which is a monthly periodic rate of

 which is a monthly periodic rate of
.

 which is a monthly periodic rate of

 which is a monthly periodic rate of
.

.

.

.

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

04500386-MXC20-C-3-032917 (MXC201-E)