�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01900507-MXC20-C-2-091318 (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 Y our LOANLINER Consumer Credit Card Agreement & Disclosure.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
Purchases Introductory APR for sixbilling cycles from Account opening .
After that, Your APR will be .
APR for Balance Transfers Introductory APR for sixbilling cycles from Account opening .
After that, Your APR will be .
APR for Cash Advance s  Introductory APR for sixbilling cycles  from Account opening.
After that, Your APR will be .
Penalty APR and When it Applies
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.
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
- Additional Card FeeNone
$5.00
Transaction Fees
- Balance Transfer Fee None
- Cash Advance Fee None
-Foreign Transaction Fee 1.00%  of each transaction in U.S. dollars
- Transaction Fee for Purchases None
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment FeeUpto$25.00
None
None
How We Will Calculate Your Balance:
Weuseamethod called "average daily balance (excluding new purchases) (including new balance transfers andcash
advances)."  See Your Account Agreement for more details.
Promotional Period for Introductory APR:
The Introductory APR forpurchases, balance transfers and cash advances willapply totransactions posted toYour
Account during thefirstsixbilling cycles following theopening ofYourAccount. Anyexisting balances onNRLFederal
Credit Union  loan or credit card accounts are not eligible for the Introductory APR for balance transfers.
Billing Rights:
Information onYour rights todispute transactions and how toexercise those rights isprovided inYour Account
Agreement.
SEE NEXT PAGE for more important information about Your Account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01900507-MXC20-C-2-091318 (MXC201-E)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 callusat800-526-6661 x1200 toreceive oral disclosures oftheMilitary Lending Actdisclosure above and a
description of the payment obligation.
Other Fees & Disclosures:
Late Payment Fee:
$25.00 ortheamount oftherequired minimum payment, whichever isless, ifYou are30ormore 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.
Additional Card Fee :
$5.00 .IfYour Account issubject toanAdditional Card Fee, afeewillbecharged foreach additional Card issued toYour
Account.
Returned Convenience Check Fee :
$27.00 ortheamount ofthereturned convenience check, whichever isless. IfYour Account issubject toaReturned
Convenience Check Fee, the fee will be charged to Your Account when a convenience check is returned for any reason.
Card Replacement Fee:
$5.00 .IfYour Account issubject toaCard Replacement Fee, afeewillbecharged foreach replacement Card thatis
issued to You for any reason.
Document Copy Fee:
$2.50 perdocument .IfYour Account issubject toaDocument Copy Fee, except aslimited byapplicable law, afeemay
becharged toYour Account foreach copy ofasales draft orstatement thatYou request (except when therequest is
made in connection with a billing error made by the Credit Union).
Rush Fee:
$15.85 second day.$25.00 overnight .IfYour Account issubject toaRush Fee, except aslimited byapplicable law, afee
may becharged toYour Account foreach rush Card thatYourequest, providing thatdelivery oftheCard isalso available
by standard mail service, without paying a fee for delivery.
Research Fee :
$15.00 per hour .If Your Account is subject to a Research Fee, except as limited by applicable law and when the request
is made in connection with a billing error made by the Credit Union, a fee calculated on an hourly basis may be charged to
Your Account each time You request Your Account to be researched.
Convenience/Balance Consolidation Check Stop Payment Fee :
$20.00 .If Your Account is subject to a Convenience/Balance Consolidation Check Stop Payment Fee, a fee may be
charged to Your Account for each Stop Payment placed on a convenience check or balance consolidation check
associated to Your Account.
Periodic Rates:
The Introductory Purchase APR is  which is adaily periodic rate of .
The Purchase APR is  which is adaily periodic rate of .
The Introductory Balance Transfer APR is  which is adaily periodic rate of .
TheBalance Transfer APR is  which is adaily periodic rate of .
The Introductory Cash Advance  APR is  which is adaily periodic rate of .
TheCash Advance APR is  which is adaily periodic rate of .