CREDIT CARD ACCOUNT OPENING DISCLOSURE

F1  

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. 

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Paying Interest 

Minimum Interest Charge 

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             
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. 
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 
cash advances and balance transfers on the transaction date.  
If you are charged interest, the charge will be no less than F5              
The minimum interest charge will be charged on any dollar amount. 
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 F          of the amount of each cash advance, whichever is 
greater 
F8             

Up to F9              
Up to F10           

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 
Card Replacement Fee 

F11        or the amount of the required minimum payment, whichever is 
less, if you are one (1) or more days late in making a payment. 
F12        or the amount of the required minimum payment, whichever is 
less. 
F13           
F14           
F15           

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 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 

DNMFY3 (MXC452 CCM002)-e 

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

 
 
 
 
 
 
Variable Rate. 

The  ANNUAL  PERCENTAGE  RATE  is  subject  to  change  on  the  first  day  of  the  billing  cycle  quarterly  to  reflect  any 
change  in  the  Index  and  will  be  determined  by  the  Prime  Rate  on  the  first  day  of  each  quarter  (January,  April,  July, 
October)  of  each  year  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 F22         above the Index. 
Balance transfers will be charged at F23         above the Index. 
Cash advances will be charged at F24         above the Index. 

DNMFY3 (MXC450 CCM00)-e