This Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement. 
Please keep this attached to your LOANLINER® Consumer Credit Card Agreement. 

CREDIT CARD ACCOUNT OPENING DISCLOSURE

F1  

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

APR for Balance Transfers 

Penalty APR and When it Applies 

Minimum Interest Charge 

Paying Interest 

For Credit Card Tips from the Federal 
Reserve Board 

Fees 
Set-up and Maintenance Fees 
- Annual Fee 
- Additional Card Fee 
- Inactivity Fee 
Transaction Fees 
- Balance Transfer Fee 
- Cash Advance Fee 
- Foreign Transaction Fee 

Penalty Fees 
- Late Payment Fee 
- Over-the-Credit Limit Fee 
- Returned Payment Fee 

F2             
This APR will vary with the market based on the Prime Rate. 
F3             
This APR will vary with the market based on the Prime Rate. 
F4             
This APR will vary with the market based on the Prime Rate. 
F5             
This APR will vary with the market based on the Prime Rate. 

This APR may be applied to the entire balance on your account if you: 
- Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for the above reason, the Penalty APR will apply until you make at least 
six (6) minimum payments by the payment due date as shown in your 
monthly statement. 
If you are charged interest, the charge will be no less than F6             
The minimum interest charge will be charged on any dollar amount. 
Your due date is at least 25 days after the close of each billing cycle. 
We do not charge you 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 Web site of the Federal Reserve Board at 
http://www.federalreserve.gov/creditcard. 

F7             
F8             
F9             

F10           
F11           
F12           of each multiple currency transaction in U.S. dollars 
F13           of each single currency transaction in U.S. dollars 

Up to F14            
F15           
Up to F16           

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 

©CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVED 

DWIIO1 (MXC450 CCM000)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
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 

Returned Payment Fee 

Statement Copy Fee 
Rush Fee 
Card Replacement Fee 
Stop Payment on Convenience Check Fee 
Returned Convenience Check Fee 

Periodic Rates. 

F17           or the amount of the required minimum payment, whichever 
is less. In the event you fail to make a payment on time in any of the 
six (6) billing cycles following the violation, you will be charged F18           
or the amount of the required minimum payment, whichever is less. 
F19           or the amount of the required minimum payment, whichever 
is less. In the event a payment is returned in any of the six (6) billing 
cycles following the violation, you will be charged F20           or the 
amount of the required minimum payment, whichever is less. 
F21           
F22           
F23           
F24           
F25           

The Purchase APR is F26           which is a daily periodic rate of F27           
The Cash Advance APR is F28           which is a daily periodic rate of F29           
The Balance Transfer APR is F30           which is a daily periodic rate of F31           
The Penalty Rate APR is F32           which is a daily periodic rate of F33           

Variable Rate. 

The ANNUAL PERCENTAGE RATE is subject to change monthly on the first day of the billing cycle to reflect any change 
in the Index and will be determined by the Prime Rate on the first day of each calendar month as published in The Wall 
Street Journal "Money Rates" table to which we add a margin. Any increase in the ANNUAL PERCENTAGE RATE will 
take  the  form  of  additional  payments  shown  as  Total  Minimum  Payments  on  the  statement.  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 F34           above the Index. 
Cash advances will be charged at F35           above the Index. 
Balance transfers will be charged at F36           above the Index. 
Penalty rates will be charged at F37           above the Index. 

DWIIO1 (MXC450 CCM000)-e