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 GOLD
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 Federal 
Reserve Board 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 

10.25%
This APR will vary with the market based on the Prime Rate. 
10.25%
This APR will vary with the market based on the Prime Rate. 
10.25%
This APR will vary with the market based on the Prime Rate. 
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. 

1.00% of each multiple currency transaction in U.S. dollars 
0.80% of each single currency transaction in U.S. dollars 

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 

Emergency Card Replacement Fee 
Card Replacement Fee 
Loan Modification Fee 

$25.00 or the amount of the required minimum payment, whichever is 
less, if you are ten (10) or more days late in making a payment. 
$11.00
$11.00 
$25.00

Collection  Costs.  You  agree  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this  Agreement,  including  court 
costs and reasonable attorney's fees.  

Periodic Rates. 

The Purchase APR is 10.25% which is a daily periodic rate of 0.0281%. 
The Cash Advance APR is 10.25% which is a daily periodic rate of 0.0281%. 
The Balance Transfer APR is 10.25% which is a daily periodic rate of 0.0281%. 

Variable Rate. 

The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change 
in  the  Index  and  will  be  determined  by  the  Prime  Rate  on  the  day  following  a  change  in  the  index  of  each  month  as 
published in The Wall Street Journal "Money Rates" table to which we add a margin. The ANNUAL PERCENTAGE RATE 
will  never  be  greater  than  17.95%.  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. 

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

DAZCZ0 (MXC450 CCM001)-e 

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

 
 
 
 
 
Margin. 

Purchases will be charged at 7.00% above the Index. 
Cash advances will be charged at 7.00% above the Index. 
Balance transfers will be charged at 7.00% above the Index. 

DAZCZ0 (MXC450 CCM001)-e