CREDIT CARD ACCOUNT OPENING DISCLOSURE 

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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 
APR for Balance Transfers 
APR for Cash Advances 
Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you any interest on purchases and balance transfers 
if you pay your entire balance by the due date each month. We will 
begin charging interest on cash advances 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. 

Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

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F8           of each multiple currency transaction in U.S. dollars 
F9           of each single currency transaction in U.S. dollars 

Up to F10            
Up to F11           

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 

Returned Convenience Check Fee 

Statement Copy Fee 
Rush Fee 
Card Replacement Fee 

F12         or the amount of the required minimum payment, whichever 
is less, if you are three (3) or more days late in making a payment. 
F13         or the amount of the required minimum payment, whichever 
is less. 
F14         or the amount of the returned convenience check, whichever 
is less. 
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F17           

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 F18         which is a monthly periodic rate of F19           
The Balance Transfer APR is F20         which is a monthly periodic rate of F21           
The Cash Advance APR is F22         which is a monthly periodic rate of F23           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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