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. 

SECURED VISA CREDIT CARD
CREDIT CARD ACCOUNT OPENING 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 

Fees 
Transaction Fees 
-  Cash Advance Fee 

-  Currency Conversion and International 

Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

18.00% 
18.00% 
18.00% 
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. 

$5.00 or 3.00% of the amount of each cash advance, whichever is 
greater (Maximum Fee: $50.00) 
1.00% of each transaction in U.S. dollars 

Up to $25.00  
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.  

OTHER DISCLOSURES 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Rush Fee (Next Business Day) 
Rush Fee (Second Business Day) 

Periodic Rates. 

$25.00 or the amount of the required minimum payment, whichever is 
less, your payment is not received by your next statement closing date.  
The next statement closing date varies by month from 4-6 days after 
your payment due date. 
$25.00 or the amount of the required minimum payment, whichever is 
less. 
$2.00 
$30.00 
$20.00 

The Purchase APR is 18.00% which is a monthly periodic rate of 1.5000%. 
The Balance Transfer APR is 18.00% which is a monthly periodic rate of 1.5000%. 
The Cash Advance APR is 18.00% which is a monthly periodic rate of 1.5000%. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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