CREDIT CARD ACCOUNT OPENING DISCLOSURE 

F1             

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 
Purchases 

F2              
This APR will vary with the market based on the Prime Rate. 

APR for Balance Transfers 

F3              

This APR will vary with the market based on the Prime Rate. 

APR for Cash Advances 

F4              

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 

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             

Up to F6              
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 Convenience Check Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 
Picture My Card Fee 

Periodic Rates. 

F8          or the amount of the required minimum payment, whichever is 
less, if you are ten (10) or more days late in making a payment. 
F9          or the amount of the returned convenience check, whichever 
is less. 
F10           
F11           
F12           
F13           
F14           

The Purchase APR is F15        which is a daily periodic rate of F16           
The Balance Transfer APR is F17        which is a daily periodic rate of F18           
The Cash Advance APR is F19        which is a daily periodic rate of F20           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
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 first day of each calendar month of each year 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 F21        above the Index. 
Balance transfers will be charged at F22        above the Index. 
Cash advances will be charged at F23        above the Index. 

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