�CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01212392-MXC20-C-5-031820 (MXC201-E)
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 Y our LOANLINER Consumer Credit Card Agreement & Disclosure.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
PurchasesThis APR will vary with the market based on the Prime Rate .
APR for Balance Transfers
This APR will var y with the market based on the Prime Rate .
APR for Cash Advance s
This APR will var y with the market based on the Prime Rate .
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
Transaction Fees
- Balance Transfer Fee None
- Currency Conversion Fee 1.00%  of each transaction in U.S. dollars
- International Service Assessment Fee 1.00%  of each transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment FeeUpto$39.00
None
Up to $25.00
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.
Billing Rights:
Information onYour rights todispute transactions and how toexercise those rights isprovided inYour Account
Agreement.
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 callusat(800) 359-1939 toreceive oraldisclosures oftheMilitary Lending Actdisclosure above andadescription
of the payment obligation.
SEE NEXT PAGE for more important information about Your Account. �CUNA Mutual Group 2009, 10, 12, 16  All Rights Reserved 01212392-MXC20-C-5-031820 (MXC201-E)Other Fees & Disclosures:
Late Payment Fee:
$28.00 ortheamount oftherequired minimum payment, whichever isless, ifYou are6ormore days lateinmaking a
payment. Intheevent You failtomake apayment ontime inanyofthesixbilling cycles following theinitial violation, You
willbecharged $39.00ortheamount oftherequired minimum payment, whichever isless. IfYour Account issubject toa
Late Payment Fee, thefeewillbecharged toYour Account when You donotmake therequired minimum payment byor
within the number of days of the statement Payment Due Date set forth on this Disclosure.
Returned Payment Fee :
$25.00 ortheamount oftherequired minimum payment, whichever isless. IfYour Account issubject toaReturned
Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason.
Card Replacement Fee:
$20.00 .IfYour Account issubject toaCard Replacement Fee, afeewillbecharged foreach replacement Card thatis
issued to You for any reason.
Document Copy Fee:
$15.00 .IfYour Account issubject toaDocument Copy Fee, except aslimited byapplicable law,afeemay becharged to
Your Account foreach copy ofasales draft orstatement that You request (except when therequest ismade in
connection with a billing error made by the Credit Union).
Emergency Card Replacement Fee:
$30.00 .IfYour Account issubject toanEmergency Card Replacement Fee, afeewillbecharged toYour Account for
each emergency replacement Card that is issued to You.
Rush Fee /Overnight Delivery Fee :
$30.00 .IfYour Account issubject toaRush Fee, except aslimited byapplicable law, afeemay becharged toYour
Account foreach rush Card thatYourequest, providing thatdelivery oftheCard isalso available bystandard mail service,
without paying a fee for delivery.
Statement Copy Fee:
$5.00 .IfYour Account issubject toaStatement Copy Fee, except aslimited byapplicable lawandwhen therequest is
made inconnection with abilling error made bytheCredit Union, afeemay becharged toYour Account foreach copy of
a sales draft or statement that You request.
Collection Costs:
You agree topayallcosts ofcollecting theamount You owe under thisAgreement, including court costs andreasonable
attorney's fees.
Periodic Rates:
The Purchase APR is  which is adaily periodic rate of .
TheBalance Transfer APR is  which is adaily periodic rate of .
TheCash Advance APR is  which is adaily periodic rate of .
Variable Rate:
TheANNUAL PERCENTAGE RATE may increase inthefuture. TheANNUAL PERCENTAGE RATE issubject tochange
onthefirstdayofthebilling cycle monthly toreflect anychange intheIndex andwillbedetermined bythePrime Rate on
thelastFriday orbusiness dayfollowing theFriday when itfallsonadaytheCredit Union isnotopen orafederal holiday ,
towhich Weaddamargin. Anyincrease intheANNUAL PERCENTAGE RATE willresult inanincrease intheamount of
theinterest Youwillpay, may increase Yourminimum payment, andmay increase thenumber ofpayments topayoff
Yourbalance. IftheIndex isnolonger available, theCredit Union willchoose anew index which isbased upon
comparable information.
Margin:
Purchases will be charged at  above the Index.
Balanc e Transfers will be charged at  above the Index.
Cash Advances will be charged at  above the Index.