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. 

ADVANTAGE
F1  
CREDIT CARD ACCOUNT OPENING DISCLOSURE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Penalty APR and When it Applies 
Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
- Balance Transfer Fee
- Currency Conversion Fee
- International Assessment Fee
Penalty Fees 
- Late Payment Fee
- Over-the-Credit Limit Fee
- Returned Payment Fee

16.15%
F2
This APR will vary with the market based on the Prime Rate.
16.15%
F3            
This APR will vary with the market based on the Prime Rate.
16.15%
F4            
This APR will vary with the market based on the Prime Rate.
None
F5            
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. 

None
F6            
1.00%
F7           of each transaction in U.S. dollars
1.00%
F8           of each transaction in U.S. dollars

$37.00

Up to F9            
F10          
None
Up to F11          

$25.00

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

Statement Copy Fee
Document Copy Fee
Emergency Card Replacement Fee
Card Replacement Fee
Rush Fee/Overnight Delivery Fee

F12     
or the amount of the required minimum payment, whichever is 
$27.00
less, if you are six or more days late in making a payment. In the event 
you fail to make a payment on time in any of the six billing cycles 
following the initial violation, you will be charged F13         or the 
amount of the required minimum payment, whichever is less.
F14     
$25.00
less.
$5.00
F15          
$15.00
F16          
F17          
$30.00
F18          
$20.00
F19          
$30.00

or the amount of the required minimum payment, whichever is 

$37.00

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved                                                             

01212392-MXC45-C-2-092915 (MXC453 CCM003)-e 

SEE NEXT PAGE for more important information about your account. 

 
 
Collection  Costs:  You  promise  to  pay,  subject  to  applicable  law,  all  costs  of  collecting  what  you  owe  under  this 
Agreement and all costs of realizing on any security for the Agreement, including court costs, collection agency fees and 
reasonable  attorney’s  fees.  We  may  enter  into  a  contingent  or  hourly  fee  arrangement  with  an  attorney  or  collection 
agency  and  you  agree  that  such  an  Agreement  is  reasonable.  This  provision  also  applies  to  bankruptcy,  appeals  or 
postjudgment proceedings. 

Periodic Rates: 
The Purchase APR is F20         which is a daily periodic rate of F21           . 
16.15%
The Balance Transfer APR is F22      
16.15%
The Cash Advance APR is F24      

0.0442%
 which is a daily periodic rate of F25           . 

 which is a daily periodic rate of F23           . 

0.0442%

0.0442%

16.15%

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 last Friday or business day following the Friday when it falls on a day the Credit Union is not open or a federal holiday, 
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 F26         above the Index. 
Balance Transfers will be charged at F27   
12.65%
Cash Advances will be charged at F28     

12.65%

12.65%

 above the Index. 

 above the Index. 

01212392-MXC45-C-2-092915 (MXC453 CCM003)-e