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 

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 

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. 
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. 

F6             
F7           of each transaction in U.S. dollars 
F8           of each transaction in U.S. dollars 

Up to F9              
F10           
Up to F11           

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 
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         or the amount of the required minimum payment, whichever is 
less. 
F15           
F16           
F17           
F18           
F19           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved                                                            

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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           . 
The Balance Transfer APR is F22         which is a daily periodic rate of F23           . 
The Cash Advance APR is F24         which is a daily periodic rate of F25           . 

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         above the Index. 
Cash Advances will be charged at F28         above the Index. 

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