VISA PLATINUM 
                                            CREDIT CARD ACCOUNT OPENING DISCLOSURE 
     
                                                                                  
                                                       � 
         This Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement. 
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                  Please keep this attached to your LOANLINER Consumer Credit Card Agreement. 
     
     Interest Rates and Interest Charges 
     Annual Percentage Rate (APR) for 
                                    9.99% 
     Purchases 
     APR for Cash Advances          9.99% 
     APR for Balance Transfers      9.99% 
     Penalty APR and When it Applies  18.00% 
                                    This APR may be applied to the entire balance on your account if you: 
                                     -   Make a late payment 
                                    How Long Will the Penalty APR Apply? If your APRs are increased 
                                    for any of these reasons, the Penalty APR will apply until your account 
                                    becomes current; then you must make 6 consecutive minimum 
                                    payments when due, then the rate will reduce to the rate in effect for 
                                    non-delinquent accounts. 
     Paying Interest                Your due date is at least 21 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. 
     For Credit Card Tips from the Federal  To learn more about factors to consider when applying for or using a 
     Reserve Board                  credit card, visit the Web site of the Federal Reserve Board at 
                                    http://www.federalreserve.gov/creditcard. 
     Fees 
     Set-up and Maintenance Fees    
     - Annual Fee                   None 
     - Account Set-up Fee           None 
     - Program Fee                  None 
     - Participation Fee            None 
     - Additional Card Fee          None 
     - Application Fee              None 
     Transaction Fees               
     - Balance Transfer Fee         $10.00 
     - Cash Advance Fee             $10.00 
     - Foreign Transaction Fee      None 
     - Transaction Fee for Purchases  None 
     Penalty Fees                   
     - Late Payment Fee             Up to $25.00 
     - Over-the-Credit Limit Fee    None 
     - Returned Payment Fee         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. 
     Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
     a payment. 
     Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your 
     account Agreement. 
     
     
     
     �CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED               DCTFC1 (MXC450 CCM001)-e 
                                   SEE BACK OF PAGE for more important information about your account. 
     OTHER DISCLOSURES                      
     Late Payment Fee                $25.00  or the amount of the required minimum payment, whichever 
                                     is less, if you are five (5) or more days late in making a payment. 
     Returned Payment Fee            $25.00  or the amount of the required minimum payment, whichever 
                                     is less.   
     Statement Copy Fee              None   
     Document Copy Fee               None   
     Rush Fee                        $20.00   
     PIN Replacement Fee             None   
     Card Replacement Fee            $10.00   
     Pay-by-Phone Fee                $10.00  per payment 
     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  9.99%  which is a monthly periodic rate of  0.8325%. 
     The Cash Advance APR is  9.99%  which is a monthly periodic rate of  0.8325%. 
     The Balance Transfer APR is  9.99%  which is a monthly periodic rate of  0.8325%. 
     The Penalty Rate APR is  18.00%  which is a monthly periodic rate of  1.5000%. 
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
      
                                                                     DCTFC1 (MXC450 CCM001)-e