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 

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 
Annual Fee 
- Annual Fee 
Transaction Fees 
- Balance Transfer Fee 
- Cash Advance Fee 
- Foreign Transaction Fee 
- Transaction Fee for Purchases 

Penalty Fees 
- Late Payment Fee 
- Over-the-Credit Limit Fee 
- Returned Payment Fee 

None 

None 
None 
1.00% of each transaction in U.S. dollars 
None 

Up to $25.00 
None 
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. 
Promotional  Period  for  Introductory  APR:  The  Introductory  APR  for  purchases  and  balance  transfers  will  apply  to 
transactions posted to Your Account during the first 12 months following issuance of Your Card. Any existing balances on 
Member  One  Federal  Credit  Union  loan  or  credit  card  accounts  are  not  eligible  for  the  Introductory  APR  for  balance 
transfers. 
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) 666-8811 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 

04500386-MXC20-C-1-032917 (MXC201-E) 

SEE NEXT PAGE for more important information about Your Account. 

Other Fees & Disclosures: 
Late Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less, if You are 1 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 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. Your Card should be received within 10 to 15 days. 

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. Your Card should be received within 3 to 4 business days. 

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.  Your  Card  should  arrive 
within 24 hours by courier. 

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  transactional  documentation  that  You  request 
(except when the request is made in connection with a billing error made by the Credit Union). 

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 with a Customer 
Service  Representative.  If  the  expedited  payment  is  made  through  our  card  processor,  the  fee  will  be  $5.00.  If  the 
expedited payment is made through the Member One FCU contact center, the fee will be $12.00. 

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 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 

. 

. 

. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

04500386-MXC20-C-1-032917 (MXC201-E)