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. 

SHARE SECURED VISA POWER CARD 
CREDIT CARD ACCOUNT OPENING DISCLOSURE 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

APR for Balance Transfers 

Penalty APR and When it Applies 
Minimum Interest Charge 
Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Annual Fee 

•  Annual Fee 
Transaction Fees 

•  Balance Transfer Fee 
•  Cash Advance Fee 
•  Foreign Transaction Fee 

•  Transaction Fee for Purchases 

Penalty Fees 

3.25% 
This APR will vary with the market based on the Prime Rate. 
3.25% 
This APR will vary with the market based on the Prime Rate. 
3.25% 
This APR will vary with the market based on the Prime Rate. 
None 
None 
Your due date is 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 
None 
1.00% of each multiple currency transaction in U.S. dollars 
0.80% of each single currency transaction in U.S. dollars 
None 

•  Late Payment Fee 
•  Returned Payment Fee 
•  Returned Convenience Check Fee 

$20.00 
$25.00 
$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 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 

$20.00 or the amount of the required minimum payment, whichever is 
less, if you are two (2) or more days late in making a payment. 
$25.00 or the amount of the required minimum payment, whichever is 
less. 
$5.00 
$12.00 
$30.00 
$5.00 

Returned Visa Convenience Check Fee 

$25.00 

©CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVED 

DPAJJ0 (MXC450 CCM000)-e 

SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
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 3.25% which is a monthly periodic rate of 0.2708%. 
The Cash Advance APR is 3.25% which is a monthly periodic rate of 0.2708%. 
The Balance Transfer APR is 3.25% which is a monthly periodic rate of 0.2708%. 

Variable Rate. 

The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle ending in January, April, July 
and  October  to  reflect  any  change  in  the  Index  and  will  be  determined  by  the  Prime  Rate  on  the  first  business  day  of 
March, June, September and December 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  18.00%.  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 0.00% above the Index. 
Cash advances will be charged at 0.00% above the Index. 
Balance transfers will be charged at 0.00% above the Index. 

DPAJJ0 (MXC450)-e