ACCOUNT OPENING DISCLOSURES �MERRICK SECURED  
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases  18.20% Your APR will vary with the market based on the Prime Rate .* 
APR for Cash Advances  23.20% Your  APR  will vary with the market based on the Prime Rate. * 
Paying Interest  Your Payment Due Date is at least 25 days after the close of each Billing 
Cycle.  We will not charge you interest on Purchases if you pay your 
entire  New Balance by the Payment Due Date  each month .  We will begin 
charging interest on Cash Advances on the transaction date.  
Minimum Interest Charge  If you are charged interest, the charge will be no less than $1.00  
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  
Set-up and Maintenance Fees  
 
 
 
 
 
 
 
� Annual Fee  
� Account Set -up Fee  NOTICE:  Some of these set -up and maintenance fees will be assessed 
before you begin using your card and will reduce the amount of credit you 
initially have available. For example, if your m inimum credit limit  is $200, 
your initial available credit will be only about $ 164. 
 
You may still reject this plan, provided that you have not yet used the 
account or paid a fee after receiving a billing statement.  If you do reject the 
plan, you are not responsible for any fees or charges.  
 
$36 the first year. Billed $3 dollars per month thereafter.  
$0 
Transaction Fees  
   � Cash Advance  
   �Foreign Transaction   
Either $10 or 4% of the amount advanced, whichever is greater.  
2% of each transaction in U.S. Dollars.  
Penalty Fees  
   � Late Payment  
  �  Over Limit  
  �  Returned Payment    
Up to $40 
$0 
Up to $40 
 
How We Will Calculate Your Balance:  We use a method called "average daily balances (including new purchases)."   
See your Cardholder Agreement for more details.  
Billing Rights:   Information on your rights to dispute transactions and how to exercise those rights is provided in your  
Cardholder Agreement.  
Annual Percentage Rates: Daily Periodic Rate for Purchases . 04986%; Daily Periodic Rate for Ca sh Advances . 06356%. 
Variable Rate Information:  Purchase Margin 14.20 percentage points; Cash Advance Margin 19.20 percentage points. Your APR for 
Purchases and Cash Advances may vary. The rate is determined by adding the appropriate margin shown to the P rime Rate*.  If the Prime 
Rate* increases, your APR will increase accordingly , with no cap .  An increase in your APR will result in an increase of your minimum 
payment amount.  
*"Prime Rate" means the  prime rate of interest published on the last business d ay of each month in The Wall Street Journal   
(or a comparable rate if The Wall Street Journal  ceases publication).   
Security Deposit :  The credit limit assigned to the Account will be equal to the amount of your security deposit, which can be between 
$200 and $3,000 . The application submitted will not be complete until funds f or the security deposit have been collected by Merrick 
Bank. Funds must be received within 30 days to complete the application process , incomplete applications will be declined.  Approv ed 
applicants will not be allowed to make transactions using the security deposit account. The security deposit does not pay int erest and will be 
available for withdrawal only after your credit card account has been closed and all amounts owing have been p aid in full.    
Minimum Payment:  All past -due amounts, any Annual Fee billed monthly, any Additional Card Fee billed monthly plus the greater of the 
following amounts: (i) 1% of your New Balance plus Late Fees, Cash Advance Transaction Fees, Over Limit Fees, Returned Payment  Fees, 
and In terest Charges billed during the Billing Cycle for which the Minimum Payment is calculated, as shown on that periodic statement, 
rounded to the next -higher dollar; or (ii) $35. If the New Balance is less than $35, the Minimum Payment will be the total amou nt owed . 
 
             Rev 6/1/2022mp35