CREDIT CARD
ACCOUNT
OPENING
DISCLOSURE

Secured Classic Visa

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

APR for Balance Transfers

APR for Cash Advances

Paying Interest

For Credit Card Tips from the
Consumer Financial Protection Bureau

10.00%
This APR will vary with the market based on the Prime Rate.

13.00%
This APR will vary with the market based on the Prime Rate.

13.00%
This APR will vary with the market based on the Prime Rate.

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
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee
- Returned Payment Fee

None

1.00% of each transaction in U.S. dollars

Up to $35.00
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.

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 1-888-267-7200 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

02101376-MXC20-P-1-031519 (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. In the event You fail to make a payment on time in any of the six billing cycles following the initial violation, You
will be charged $35.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a
Late Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or
within the number of days of 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. If Your Account is subject to a Returned
Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason.

Research Fee:
$20.00 minimum per hour. If Your Account is subject to an Account 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.

Sales Draft Copy Fee:
$5.00 per copy. If Your Account is subject to a Sales Draft Copy Fee, except as limited by applicable law, a fee may be
charged to Your Account each time you request a sales draft copy.

Stop Payment Fee:
$28.00 per request. If Your Account is subject to a Stop Payment Fee, except as limited by applicable law, a fee may be
charged to Your Account each time you request a payment to be stopped.

Card Personalization Fee:
$5.00 per card. If Your Account is subject to a Card Personalization Fee, except as limited by applicable law, a fee may
be charged to Your Account for each personalized Card that You request.

Rush Fee:
$30.00 per card. If Your Account is subject to a Rush Fee, except limited by applicable law, a fee 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.

Statement Copy Fee:
$2.00 per statement. If Your Account is subject to a Statement Copy Fee, except by limited by applicable law and when
the request is made in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for
each copy of a statement that You request.

Periodic Rates:

The Purchase APR is
The Balance Transfer APR is
The Cash Advance APR is

10.00%

 which is a monthly periodic rate of
13.00%

 which is a monthly periodic rate of

.
0.8333%
.
1.0833%

13.00%

 which is a monthly periodic rate of

.
1.0833%

Variable Rate:

The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change
on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on
the 10th day of each calendar month, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be
greater than 23.99%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the
interest You will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your
balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable
information.

Margin:
Purchases will be charged at
Balance Transfers will be charged at
Cash Advances will be charged at

6.50%

 above the Index.

9.50%

 above the Index.

9.50%

 above the Index.

©CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved

02101376-MXC20-P-1-031519 (MXC201-E)