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 
Penalty APR and When it Applies 
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 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 website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

Fees 
Set-up and Maintenance Fees 
-  Annual Fee 
-  Account Set-up Fee 
-  Program Fee 
-  Participation Fee 
-  Additional Card Fee 
-  Application Fee 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
-  Transaction Fee for Purchases 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

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F13           of the amount of each cash advance 
F14           of each transaction in U.S. dollars 
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Up to F16            
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 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
PIN Replacement Fee 
Card Replacement Fee 
Express Shipping Fee 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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. 
F19           or the amount of the required minimum payment, whichever 
is less. 
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SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
Collection  Costs:  You  promise  to  pay  all  costs  of  collecting  the  amount  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           . 

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