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. 

VISA PLATINUM 
CREDIT CARD ACCOUNT OPENING DISCLOSURE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 
APR for Cash Advances 
APR for Balance Transfers 
Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

13.99% 
13.99% 
13.99% 
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 website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

None 
None 
1.00%   of each transaction in U.S. dollars 

Up to $25.00 
Up to $25.00 

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 

Rush Fee 
Card Replacement Fee 
Convenience Check Stop Payment Fee 

$25.00  or the amount of the required minimum payment, whichever is 
less. 
$25.00  or the amount of the required minimum payment, whichever is 
less. 
$25.00  
$25.00 
$25.00  

per card 

Collection  Costs.  You  agree  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this  Agreement,  including 
reasonable attorney's fees not in excess of 15.00% 

of any judgment and all court costs. 

Periodic Rates. 

The Purchase APR is 13.99% which is a daily periodic rate of 0.0383%. 
The Cash Advance APR is 13.99% which is a daily periodic rate of 0.0383%. 
The Balance Transfer APR is 13.99% which is a daily periodic rate of 0.0383%. 

~ 

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

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