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 

F2             Introductory APR for a period of six (6) billing cycles. 
When the discounted period expires, the APR on existing balances will 
increase to the new non-discount rate on the first day of the billing 
cycle. 

After that your APR will be F3          . 
F4             Introductory APR for a period of six (6) billing cycles. When 
the discounted period expires, the APR on existing balances will 
increase to the new non-discount rate on the first day of the billing 
cycle. 

After that your APR will be F5           . 
F6             Introductory APR for a period of six (6) billing cycles. When 
the discounted period expires, the APR on existing balances will 
increase to the new non-discount rate on the first day of the billing 
cycle. 

Penalty APR and When it Applies 

After that your APR will be F7           . 
F8             

This APR may be applied to the entire balance on your account if you: 
  -  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for any of these reasons, the Penalty APR will apply until you make at 
least six (6) minimum payments by the payment due date as shown in 
your monthly statement. 
F9             
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. 

F10           
F11           

F12           
F13           
F14           of each transaction in U.S. dollars 
F15           

Up to F16            
F17           
Up to F18           

Minimum Interest Charge 
Paying Interest 

For Credit Card Tips from the Federal 
Reserve Board 

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Account Set-up Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 

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

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

 
 
 
 
 
How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

Loss of Introductory APR. We may end your Introductory APR if you are 60 days late in making a payment two (2) times 
within a six (6) month period. With the loss of your Introductory APR, your APR will be the Penalty APR of F19        .  

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment two (2) times within a six (6) month period. 

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 
Card Replacement Fee 
Pay-by-Phone Fee 

F20           or the amount of the required minimum payment, whichever 
is less, if you are ten (10) or more days late in making a payment. 
F21           or the amount of the required minimum payment, whichever 
is less. 
F22           
F23           
F24           
F25           

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 F26           which is a monthly periodic rate of F27           
The Introductory Purchase APR is F28           which is a monthly periodic rate of F29           
The Cash Advance APR is F30           which is a monthly periodic rate of F31           
The Introductory Cash Advance APR is F32           which is a monthly periodic rate of F33           
The Balance Transfer APR is F34           which is a monthly periodic rate of F35           
The Introductory Balance Transfer APR is F36           which is a monthly periodic rate of F37           
The Penalty Rate APR is F38           which is a monthly periodic rate of F39           

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