This Disclosure 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 Balance Transfers 

APR for Cash Advances 

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Annual Fee 
- Annual Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Overdraft Transfer Fee 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 

F2          Introductory APR for a period of six billing cycles.  

After that your APR will be F3          . This APR will vary with the 
market based on the Prime Rate. 
F4          Introductory APR for a period of six billing cycles.  

After that your APR will be F5          . This APR will vary with the market 
based on the Prime Rate. 
F6          Introductory APR for a period of six billing cycles.  

After that your APR will be F7          . 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 
balance transfers and 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. 

F8             

F9             
F10           
F11        of each multiple currency transaction in U.S. dollars 
F12        of each single currency transaction in U.S. dollars 

Up to F13            

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

Promotional Period for Introductory APR: The Introductory APR for purchases, balance transfers, and cash advances 
will apply to transactions posted to your account during the first six months following the opening of your account.  

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 

Statement Copy Fee 
Rush Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Modification Fee 
Account Research 

F14        or the amount of the required minimum payment, whichever is 
less, if you are ten or more days late in making a payment. 
F15           
F16           
F17           
F18           
F19           
F20           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DAZCZ4 (MXC453 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

  
 
 
 
 
 
 
 
 
 
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 Introductory Purchase APR is F21         which is a daily periodic rate of F22         . 
The Purchase APR is F23         which is a daily periodic rate of F24         . 
The Introductory Balance Transfer APR is F25         which is a daily periodic rate of F26         . 
The Balance Transfer APR is F27         which is a daily periodic rate of F28         . 
The Introductory Cash Advance 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 monthly on the first day of the billing cycle to reflect any change 
in the Index and will be determined by the Prime Rate as listed in the “Money Rates” section of The Wall Street Journal on 
the day following a change in the index of each calendar month, to which we add a margin. The ANNUAL PERCENTAGE 
RATE  will  never  be  greater  than  29.99%.  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. 

DAZCZ4 (MXC453 CCM003)-e