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 Balance Transfers 

APR for Cash Advances 

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment 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. 
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. 

F5          of each transaction in U.S. dollars 

Up to F6              
Up to F7             

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 

Pay-by-Phone Fee 

F8          or the amount of the required minimum payment, whichever is 
less, if you are one (1) or more days late in making a payment. 
F9          or the amount of the required minimum payment, whichever is 
less. 
F10           

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 F11        which is a daily periodic rate of F12           
The Balance Transfer APR is F13        which is a daily periodic rate of F14           
The Cash Advance APR is F15        which is a daily periodic rate of F16           

Variable Rate. 

The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change 
in the Index and will be determined by the Prime Rate on the third Tuesday of February, May, August, and November 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 18.00%. 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. 
©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DNMFN1 (MXC452 CCM002)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
Margin. 

Purchases will be charged at F17        above the Index. 
Balance transfers will be charged at F18        above the Index. 
Cash advances will be charged at F19        above the Index. 

DNMFN1 (MXC452 CCM00)-e