American 1 Credit Union
718 E. Michigan Avenue
Jackson, Michigan 49201
(888) 213-2848

BORROWER 1 NAME

BORROWER 2 NAME

TRUTH-IN-LENDING DISCLOSURE STATEMENT -
ACCOUNT OPENING DISCLOSURES

ACCOUNT NUMBER

DATE

--/--/----

The following disclosure represents important details concerning your credit card. This statement is incorporated into and
becomes a part of your Credit Card Agreement. We reserve the right to periodically review your credit standing and to
increase any rate on your new balances, in accordance with applicable law.

INTEREST RATES and INTEREST CHARGES:

Annual Percentage Rate
(APR) for Purchases, Cash
Advances, & Balance
Transfers
Paying Interest

Non-Variable:

%

Variable:

This APR will vary with the
market based on the Prime
Rate*.

Your due date is at least 21 days after we mail your billing statement. We will not charge you
interest on purchases if you pay your entire new purchase 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 Bureau

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:

Fees to Open or Maintain
your Account

-
-

Annual Fee:
Application Fee:

None
None

Transaction Fees

-
-
-

Balance Transfer:
Cash Advance:
Foreign Transaction:

Penalty Fees

-
-
-

Late Payment:
Over-the-Credit Limit:
Returned Payment:

None
None
1% of each transaction in U.S. dollars if the transaction involves a currency conversion
1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion

Up to $20.00 if your payment is 6 or more days late from the payment due date
None
Up to $25.00 if your payment is returned for any reason

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.
OTHER IMPORTANT DISCLOSURES:

SECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH
US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE
SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE.
Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given are not
subject to this security interest.
If you have other loans with us, collateral securing such loans may also secure your obligations under this agreement.

*Variable(cid:32)Rates:(cid:32)If this is a variable rate as indicated above, the Annual Percentage Rate may increase or decrease if the highest rate of interest identified as 
the  'Prime  Rate'  in  the  'Money  Rates'  column  of  the  Wall  Street  Journal  in  effect  on  the  last  day  of  each  calendar  month  of  each  year  increases  or 
decreases. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of: ________%. The interest rate can change monthly on the first day of 
the billing cycle  of  the  month  immediately  following  a  change  in  the  Prime  Rate.  The  Annual  Percentage  Rate  will  never  be  more  than  18%.  Any  increase 
will take the form of more payments of the same amount.

Daily Periodic Rates: Purchases, Cash Advances, and Balance Transfers: __________ %
Other Fees: In addition to the fees disclosed above, the following fees may be imposed:
Recaptured Card Fee:
Lost Card Fee:
Stolen Card Fee:

Replacement Card Fee:
Additional Card Fee:

$50.00
$50.00
$50.00

$10.00
$10.00

9010 LASER FI13901 Rev 2-2012

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.