CREDIT CARD ACCOUNT OPENING DISCLOSURE 

F1             

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. 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F2             
This APR will vary with the market based on the Prime Rate. 
F3          Introductory APR for a period of 36 billing cycles.  

After that your APR will be F4          . This APR will vary with the market 
based on the Prime Rate. 
F5             
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 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          or F7          of the amount of each cash advance, whichever is 
greater 
F8          of each transaction in U.S. dollars 

Up to F9              
Up to F10           

How We Will Calculate Your Balance: We use a method called “average daily balance (excluding new purchases).” See 
your account Agreement for more details. 

Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted 
to your account during the first 90 days following the opening of your account.  

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 

Card Replacement Fee 

F11        or the amount of the required minimum payment, whichever is 
less, if you are one or more days late in making a payment. 
F12        or the amount of the required minimum payment, whichever is 
less. 
F13           

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 F14        which is a monthly periodic rate of F15         . 
The Introductory Balance Transfer APR is F16        which is a monthly periodic rate of F17         . 
The Balance Transfer APR is F18        which is a monthly periodic rate of F19         . 
The Cash Advance APR is F20        which is a monthly periodic rate of F21         . 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
Variable Rate: 
The  ANNUAL  PERCENTAGE  RATE  is  subject  to  change  quarterly  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  first  day  of  each  quarter  (January,  April,  July,  October),  to  which  we  add  a  margin.  The  ANNUAL 
PERCENTAGE  RATE  will  never  be  greater  than  17.99%.  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 F22        above the Index. 
Balance Transfers will be charged at F23        above the Index. 
Cash Advances will be charged at F24        above the Index. 

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