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 
Paying Interest 

For Credit Card Tips from the Federal 
Reserve Board 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 

F2            
F3         
F4         
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. 

F5          of each transaction in U.S. dollars completed outside the U.S. 
F6          of each transaction in U.S. dollars completed in a foreign 
currency 

Penalty Fees 
-  Late Payment Fee 

Up to F7        

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 

F8          or the amount of the required minimum payment, whichever is 
less, if you are five (5) or more days late in making a payment. 

Collection  Costs.  You  promise  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this  Agreement  to  the  extent 
permitted by state law.  

Periodic Rates. 

The Purchase APR is F9          which is a monthly periodic rate of F10          
The Cash Advance APR is F11        which is a monthly periodic rate of F12          
The Balance Transfer APR is F13        which is a monthly periodic rate of F14          

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

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