�CUNA Mutual Group 2009, 10, 12 All Rights Reserved DMIGF2 (MXC452 CCM002)-e  SEE BACK OF PAGE for more important information about your account.  
F1  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 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             This APR will vary with the market based on the Prime Rate. 
Penalty APR and When it Applies F5             
Paying Interest 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.  
For Credit Card Tips from the Consumer Financial Protection Bureau 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. 
Fees 
Set-up and Maintenance Fees  
- Annual Fee F6             
- Account Set-up Fee F7             
- Program Fee F8             
- Participation Fee F9             
- Additional Card Fee F10           
- Application Fee F11           
Transaction Fees  
- Balance Transfer Fee F12           
- Cash Advance Fee F13           of the amount of each cash advance 
- Foreign Transaction Fee F14           of each transaction in U.S. dollars 
- Transaction Fee for Purchases F15           
Penalty Fees  
- Late Payment Fee Up to F16            
- Returned Payment Fee Up to F17           
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 F18           or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment. Returned Payment Fee F19           or the amount of the required minimum payment, whichever is less. Statement Copy Fee F20           Document Copy Fee F21           Rush Fee F22           Emergency Card Replacement Fee F23           PIN Replacement Fee F24           Card Replacement Fee F25           Express Shipping Fee F26             DMIGF2 (MXC452 CCM002)-e   Collection Costs. You promise to pay all costs of collecting the am ount you owe under this Agreement to the extent permitted by state law.  Periodic Rates. The Purchase APR is F27           which is a daily periodic rate of F28           The Balance Transfer APR is F29           which is a daily periodic rate of F30           The Cash Advance APR is F31           which is a daily periodic rate of F32           Variable Rate. The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on the first day of each quarter (January, April, July, October) 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 18.0 0%. 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 F33           above the Index. Balance transfers will be charged at F34           above the Index. Cash advances will be charged at F35           above the Index.