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 

Minimum Interest Charge 

Paying Interest 

For Credit Card Tips from the Federal 
Reserve Board 

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Additional Card Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Over-the-Credit Limit Fee 
-  Returned Payment Fee 
-  Returned Convenience Check Fee 

F2             
This APR will vary with the market based on the Prime Rate. 
F3             
This APR will vary with the market based on the Prime Rate. 
F4             
This APR will vary with the market based on the Prime Rate. 
If you are charged interest, the charge will be no less than F5         . 
The minimum interest charge will be charged on any dollar amount. 
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. 

F6             
F7             

F8             
F9             
F10        of each multiple currency transaction in U.S. dollars 
F11        of each single currency transaction in U.S. dollars 

Up to F12            
F13           
Up to F14           
Up to F15           

How We Will Calculate Your Balance. We use a method called “average daily balance (excluding 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 
Stop Payment on Convenience Check Fee 

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

F16        or the amount of the required minimum payment, whichever 
is less. 
F17        or the amount of the required minimum payment, whichever 
is less. 
F18        or the amount of the returned convenience checkr, 
whichever is less. 
F19           
F20           
F21           
F22           

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

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Periodic Rates. 

The Purchase APR is F23           which is a daily periodic rate of F24           
The Cash Advance 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           

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 on the first day of each calendar month as published in The Wall 
Street Journal "Money Rates" table to which we add a margin. 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 F29           above the Index. 
Cash advances will be charged at F30           above the Index. 
Balance transfers will be charged at F31           above the Index. 

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