VISA GOLD 
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 
Purchases 

7.99% introductory APR until June 30, 2015. 

APR for Balance Transfers 

7.99% introductory APR until June 30, 2015. 

After that, your APR will be 10.25%. This APR will vary with the 
market based on the Prime Rate. 

APR for Cash Advances 

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 

After that, your APR will be 10.25%. This APR will vary with the market 
based on the Prime Rate. 

7.99% introductory APR until June 30, 2015. 

After that, your APR will be 10.25%. 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. 

None 

1.00% of each multiple currency transaction in U.S. dollars 
0.80% of each single currency transaction in U.S. dollars 

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, if you are ten (10) or more days late in making a payment 

Emergency Card Replacement Fee 

$11.00 plus $25.00 expedited delivery fee 

Card Replacement Fee 

Loan Modification Fee 

$11.00 

$25.00 per request 

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

 
 
 
 
 
 
 
 
 
 
 
 
Collection Costs. You promise to pay, subject to any limits under applicable law, all costs of collecting the amount you 
owe under this Agreement. This includes, but is not limited to, reasonable attorney's fees and court costs as well as legal 
expenses for any bankruptcy, appeals or post judgment proceedings. 

Periodic Rates. 

The Purchase APR is 10.25% which is a daily periodic rate of 0.0281% 
The Balance Transfer APR is 10.25% which is a daily periodic rate of 0.0281% 
The Cash Advance APR is 10.25% which is a daily periodic rate of 0.0281% 

 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 day following a change in the Index of each calendar month 
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 17.95%. 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 7.00% above the Index.  
Balance transfers will be charged at 7.00% above the Index. 
Cash advances will be charged at 7.00% above the Index.