COMMUNITY
P.O. Box 2600
Jacksonville, FL 32232
LOANLINER
FIRST
904.354.8537
Credit Union
800.342.8416
VISA
Invested in You
www.CommunityFirstFL.org
VISA PLATINUM
APPLICATION AND SOLICITATION DISCLOSURE
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
7.90% to 15.40% when you open your account, based on
Purchases
your creditworthiness. This APR will vary with the market based on the
Prime Rate.
APR for Cash Advances
7.90% to 15.40% when you open your account, based on your
creditworthiness. This APR will vary with the market based on the
Prime Rate.
APR for Balance Transfers
7.90% to 15.40% when you open your account, based on your
creditworthiness. This APR will vary with the market based on the
Prime Rate.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.00.
The minimum interest charge will be charged on any dollar amount.
Paying Interest
We will begin charging interest on purchases on the transaction date.
For Credit Card Tips from the Federal
To learn more about factors to consider when applying for or using a
Reserve Board
credit card visit the Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.
Fees
Transaction Fees
- Cash Advance Fee
$10.00 or 2% of the amount of each cash advance, whichever is
greater, a maximum of $50.
- Foreign Transaction Fee
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
Up to
- Returned Payment Fee
Up to $25.00
How We Will Calculate Your Balance. We use a method called "average daily balance (including new purchases)."
Effective Date.
The information about the costs of the card described in this application is accurate as of July 11, 2011.
This information may have changed after that date. To find out what may have changed, contact the Credit Union.
OTHER DISCLOSURES
Late Payment Fee
or the amount of the required minimum payment, whichever is
less.
Returned Payment Fee
$25.00 or the amount of the required minimum payment, whichever is
less.
Statement Copy Fee
$3.00
Card Replacement Fee
$10.00
Document Copy Fee
$3.00
Rush Fee
$35.00
©CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVED
DFLRG1 (MXC400 C CCM000)-e
COMMUNITY
Credit Union
FIRST
LOANLINER
Invested in You
P.O. Box 2600, Jacksonville, Florida 32232
VISA
904.354.8537
800.342.8416
VISA PLATINUM
www.CommunityFirstFL.org
CREDIT CARD ACCOUNT OPENING DISCLOSURE
This Addendum is incorporated into and becomes part of your LOANLINER R 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
15.40%
Purchases
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
15.40%
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
15.40%
This APR will vary with the market based on the Prime Rate.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.00
The minimum interest charge will be charged on any dollar amount.
Paying Interest
We will begin charging interest on purchases, cash advances, and
balance transfers on the transaction date.
For Credit Card Tips from the Federal
To learn more about factors to consider when applying for or using a
Reserve Board
credit card, visit the Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.
Fees
Transaction Fees
- Cash Advance Fee
$10.00
or 2.00%
of the amount of each cash advance,
whichever is greater (Maximum Fee: $50.00 )
- Foreign Transaction Fee
1.00%
of each multiple currency transaction in U.S. dollars
0.80%
of each single currency transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
Up to $25.00
- Returned Payment Fee
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.
OTHER DISCLOSURES
Late Payment Fee
$25.00
or the amount of the required minimum payment, whichever
is less.
Returned Payment Fee
$25.00
or the amount of the required minimum payment, whichever
is less.
Statement Copy Fee
$3.00
Document Copy Fee
$3.00
Rush Fee
$35.00
Card Replacement Fee
$10.00
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 15.40% which is a monthly periodic rate of 1.2833%
The Cash Advance APR is 15.40% which is a monthly periodic rate of 1.2833%
The Balance Transfer APR is 15.40% which is a monthly periodic rate of 1.2833%
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED
DFLRH1 MXC450 CCM001)-e
SEE BACK OF PAGE for more important information about your account.
Variable Rate.
The ANNUAL PERCENTAGE RATE is subject to change 1st day of each calendar quarter to reflect any change in the
Index and will be determined by the Prime Rate on the 10th day of the previous month of each calendar quarter of each
year as published in The Wall Street Journal "Money Rates" table to which we add a margin. The ANNUAL
PERCENTAGE RATE will never be greater than 17.90%. 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 12.15% above the Index.
Cash advances will be charged at 12.15% above the Index.
Balance transfers will be charged at 12.15% above the Index.
DFLRH1 (MXC450 CCM001)-e
COMMUNITY
Credit Union
FIRST
LOANLINER.
Invested in You
P.O. Box 2600, Jacksonville, Florida 32232
VISA
904.354.8537
800.342.8416
VISA PLATINUM
www.CommunityFirstFL.org
CREDIT CARD ACCOUNT OPENING DISCLOSURE
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.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
13.40%
Purchases
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
13.40%
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
13.40%
This APR will vary with the market based on the Prime Rate.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.00
.
The minimum interest charge will be charged on any dollar amount.
Paying Interest
We will begin charging interest on purchases, cash advances, and
balance transfers on the transaction date.
For Credit Card Tips from the Federal
To learn more about factors to consider when applying for or using a
Reserve Board
credit card, visit the Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.
Fees
Transaction Fees
- Cash Advance Fee
$10.00
or 2.00%
of the amount of each cash advance,
whichever is greater (Maximum Fee: $50.00 )
- Foreign Transaction Fee
1.00%
of each multiple currency transaction in U.S. dollars
0.80%
of each single currency transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
Up to $25.00
- Returned Payment Fee
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.
OTHER DISCLOSURES
Late Payment Fee
$25.00
or the amount of the required minimum payment, whichever
is less.
Returned Payment Fee
$25.00
or the amount of the required minimum payment, whichever
is less.
Statement Copy Fee
$3.00
Document Copy Fee
$3.00
Rush Fee
$35.00
Card Replacement Fee
$10.00
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 13.40% which is a monthly periodic rate of 1.1166%
The Cash Advance APR is 13.40% which is a monthly periodic rate of 1.1166%
The Balance Transfer APR is 13.40% which is a monthly periodic rate of 1.1166%
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED
DFLRH1 MXC450 CCM001)-e
SEE BACK OF PAGE for more important information about your account.
Variable Rate.
The ANNUAL PERCENTAGE RATE is subject to change 1st day of each calendar quarter to reflect any change in the
Index and will be determined by the Prime Rate on the 10th day of the previous month of each calendar quarter of each
year as published in The Wall Street Journal "Money Rates" table to which we add a margin. The ANNUAL
PERCENTAGE RATE will never be greater than 17.90%. 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 10.15% above the Index.
Cash advances will be charged at 10.15% above the Index.
Balance transfers will be charged at 10.15% above the Index.
DFLRH1 MXC450 CCM001)-e
COMMUNITY
Credit Union
FIRST
LOANLINER
Invested in You
P.O. Box 2600, Jacksonville, Florida 32232
VISA
904.354.8537
800.342.8416
VISA PLATINUM
www.CommunityFirstFL.org
CREDIT CARD ACCOUNT OPENING DISCLOSURE
This Addendum is incorporated into and becomes part of your LOANLINER R 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
11.40%
Purchases
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
11.40%
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
11.40%
This APR will vary with the market based on the Prime Rate.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.00
The minimum interest charge will be charged on any dollar amount.
Paying Interest
We will begin charging interest on purchases, cash advances, and
balance transfers on the transaction date.
For Credit Card Tips from the Federal
To learn more about factors to consider when applying for or using a
Reserve Board
credit card, visit the Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.
Fees
Transaction Fees
- Cash Advance Fee
$10.00
or 2.00% of the amount of each cash advance,
whichever is greater (Maximum Fee: $50.00 )
- Foreign Transaction Fee
1.00%
of each multiple currency transaction in U.S. dollars
0.80%
of each single currency transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
Up to $25.00
- Returned Payment Fee
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.
OTHER DISCLOSURES
Late Payment Fee
$25.00
or the amount of the required minimum payment, whichever
is less.
Returned Payment Fee
$25.00
or the amount of the required minimum payment, whichever
is less.
Statement Copy Fee
$3.00
Document Copy Fee
$3.00
Rush Fee
$35.00
Card Replacement Fee
$10.00
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 11.40% which is a monthly periodic rate of 0.9500%
The Cash Advance APR is 11.40% which is a monthly periodic rate of 0.9500%
The Balance Transfer APR is 11.40% which is a monthly periodic rate of 0.9500%
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED
DFLRH1 (MXC450 CCM001)-e
SEE BACK OF PAGE for more important information about your account.
Variable Rate.
The ANNUAL PERCENTAGE RATE is subject to change 1st day of each calendar quarter to reflect any change in the
Index and will be determined by the Prime Rate on the 10th day of the previous month of each calendar quarter of each
year as published in The Wall Street Journal "Money Rates" table to which we add a margin. The ANNUAL
PERCENTAGE RATE will never be greater than 17.90%. 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 8.15% above the Index.
Cash advances will be charged at 8.15% above the Index.
Balance transfers will be charged at 8.15% above the Index.
DFLRH1 (MXC450 CCM001)-e
COMMUNITY
Credit Union
FIRST
LOANLINER.
Invested in You
P.O. Box 2600, Jacksonville, Florida 32232
VISA
904.354.8537
800.342.8416
VISA PLATINUM
www.CommunityFirstFL.org
CREDIT CARD ACCOUNT OPENING DISCLOSURE
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.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
8.90%
Purchases
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
8.90%
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
8.90%
This APR will vary with the market based on the Prime Rate.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.00
The minimum interest charge will be charged on any dollar amount.
Paying Interest
We will begin charging interest on purchases, cash advances, and
balance transfers on the transaction date.
For Credit Card Tips from the Federal
To learn more about factors to consider when applying for or using a
Reserve Board
credit card, visit the Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.
Fees
Transaction Fees
- Cash Advance Fee
$10.00
or 2.00%
of the amount of each cash advance,
whichever is greater (Maximum Fee: $50.00 )
- Foreign Transaction Fee
1.00%
of each multiple currency transaction in U.S. dollars
0.80%
of each single currency transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
Up to $25.00
- Returned Payment Fee
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.
OTHER DISCLOSURES
Late Payment Fee
$25.00
or the amount of the required minimum payment, whichever
is less.
Returned Payment Fee
$25.00
or the amount of the required minimum payment, whichever
is less.
Statement Copy Fee
$3.00
Document Copy Fee
$3.00
Rush Fee
$35.00
Card Replacement Fee
$10.00
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 8.90% which is a monthly periodic rate of 0.7416%
The
Cash
Advance
APR is 8.90% which is a monthly periodic rate of 0.7416%
The Balance Transfer APR is 8.90% which is a monthly periodic rate of 0.7416%
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED
DFLRH1 MXC450 CCM001)-e
SEE BACK OF PAGE for more important information about your account.
Variable Rate.
The ANNUAL PERCENTAGE RATE is subject to change 1st day of each calendar quarter to reflect any change in the
Index and will be determined by the Prime Rate on the 10th day of the previous month of each calendar quarter of each
year as published in The Wall Street Journal "Money Rates" table to which we add a margin. The ANNUAL
PERCENTAGE RATE will never be greater than 17.90%. 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 5.65% above the Index.
Cash advances will be charged at 5.65% above the Index.
Balance transfers will be charged at 5.65% above the Index.
DFLRH1 (MXC450 CCM001)-e
COMMUNITY
Credit Union
FIRST
LOANLINER.
Invested in You
P.O. Box 2600, Jacksonville, Florida 32232
VISA
904.354.8537
800.342.8416
VISA PLATINUM
www.CommunityFirstFL.org
CREDIT CARD ACCOUNT OPENING DISCLOSURE
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.
Interest Rates and Interest Charges
Annual Percentage Rate (APR) for
7.90%
Purchases
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances
7.90%
This APR will vary with the market based on the Prime Rate.
APR for Balance Transfers
7.90%
This APR will vary with the market based on the Prime Rate.
Minimum Interest Charge
If you are charged interest, the charge will be no less than $1.00
The minimum interest charge will be charged on any dollar amount.
Paying Interest
We will begin charging interest on purchases, cash advances, and
balance transfers on the transaction date.
For Credit Card Tips from the Federal
To learn more about factors to consider when applying for or using a
Reserve Board
credit card, visit the Web site of the Federal Reserve Board at
http://www.federalreserve.gov/creditcard.
Fees
Transaction Fees
- Cash Advance Fee
$10.00
or 2.00%
of the amount of each cash advance,
whichever is greater (Maximum Fee: $50.00 )
- Foreign Transaction Fee
1.00%
of each multiple currency transaction in U.S. dollars
0.80%
of each single currency transaction in U.S. dollars
Penalty Fees
- Late Payment Fee
Up to $25.00
- Returned Payment Fee
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.
OTHER DISCLOSURES
Late Payment Fee
$25.00
or the amount of the required minimum payment, whichever
is less.
Returned Payment Fee
$25.00
or the amount of the required minimum payment, whichever
is less.
Statement Copy Fee
$3.00
Document Copy Fee
$3.00
Rush Fee
$35.00
Card Replacement Fee
$10.00
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 7.90% which is a monthly periodic rate of 0.6583%
The Cash Advance APR is 7.90% which is a monthly periodic rate of 0.6583%
The Balance Transfer APR is 7.90% which is a monthly periodic rate of 0.6583%
©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED
DFLRH1 (MXC450 CCM001)-e
SEE BACK OF PAGE for more important information about your account.
Variable Rate.
The
ANNUAL PERCENTAGE RATE is subject to change 1st day of each calendar quarter to reflect any change in the
Index and will be determined by the Prime Rate on the 10th day of the previous month of each calendar quarter of each
year as published in The Wall Street Journal "Money Rates" table to which we add a margin. The ANNUAL
PERCENTAGE RATE will never be greater than 17.90%. 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 4.65% above the Index.
Cash advances will be charged at 4.65% above the Index.
Balance transfers will be charged at 4.65% above the Index.
DFLRH1 (MXC450 CCM001)-e