Merced School Employees
Federal Credit Union
1021 Olivewood Drive • PO Box 1349
Merced, CA 95348
209-383-5550 • 800-542-2345
Fax: 209-383-0390
www.mercedschoolcu.org
MSEFCU
KMNUNBL
V/SA
VISA CLASSIC CREDIT CARD ACCOUNT OPENING DISCLOSURE
This Addendum is incorporated into and becomes part ofyour LOANLINER® Consumer Credit Card Agreement. Please keep this attached to your LOANLINER® Consumer Credit Card Agreement.
Interest Rates and Interest Charges	
Annual Percentage Rate (APR) for Purchases	10.75%
APR for Cash Advances	10.75%
APR for Balance Transfers	10.75%
Paying Interest	Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases ifyou 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 Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees	
Transaction Fees -	Cash Advance Fee -	Foreign Transaction Fee	$2.00 1.00% of each transaction in U.S. dollars
Penalty Fees -	Late Payment Fee -	Over-the-Credit Limit Fee -	Returned Payment Fee	Up to $10.00 Up to $10.00 Up to $22.00
How We Will Calculate Your Balance. We use a method called “average daily balance (excluding 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.
OTHER DISCLOSURES
Late Payment Fee	$10.00 or the amount ofthe required minimum payment, whichever is less, ifyou are ten (10) or more days late in making a payment.
Over-the-Credit Limit Fee	$10.00 or the amount ofthe transaction exceeding your credit limit, whichever is less.
Returned Payment Fee	$22.00 or the amount ofthe required minimum payment, whichever is less.
Statement Copy Fee Document Copy Fee Rush Fee Card Replacement Fee Returned Visa Check Fee Visa Check Stop Payment Fee	$0.50 per page $5.00 $50.00 $25.00 $22.00 $15.00
Collection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney's fees.
Periodic Rates.
The Purchase APR is 10.75% which is a daily periodic rate of 0.0295%.
The Cash Advance APR is 10.75% which is a daily periodic rate of 0.0295%.
The Balance Transfer APR is 10.75% which is a daily periodic rate of 0.0295%.
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED
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