This Addendum is incorporat ed into and becomes part of your LOANLINER Consumer Credit Card
Agreement .
Please keep t his at t ached t o your LOANLINER Consumer Credit Card Agreement

Interest Rates and Interest Charges

CREDIT CARD ACCOUNT OPENING DISCLOSURE

Annual Percentage Rate (APR)
for Purchases

APR for Balance Transfers

APR for Cash Advances

Paying Interest

12.95%

12.95%

12.95%

Your due dat e is at least 25 days aft er t he close of each billing cycle.
We w ill not charge you any int erest on purchases if you pay your
ent ire balance by t he due date each mont h. We w ill begin charging
int erest on cash advances and balance t ransfers on t he t ransaction
dat e.

Minimum Interest Charge

None

For Credit Card Tips from the
Consumer Financial Protection Bureau

To learn more about factors to consider w hen applying for or using a
credit card, visit the w ebsite of the Consumer Financial Protection
Bureau at http://w w w.consumerfinance.gov/learnmore.

Fees
Annual Fee
- Annual Fee

Transaction Fees
- Foreign Transact ion Fee
Penalty Fees
- Lat e Payment Fee
- Ret urned Payment Fee

$25.00

1.00%

of each t ransact ion in U.S. dollars

Up t o
Up t o

$15.00

$15.00

How We Will Calculate Your Balance. We use a method called " average daily balance (including new
purchases)." See your account Agreement f or more det ails.

Billing Rights. Informat ion on your right s t o disput e t ransact ions and how t o exercise t hose right s is provided
in your account Agreement .

OTHER DISCLOSURES

Lat e Payment Fee

Ret urned Payment Fee

St atement Copy Fee
Rush Fee
Emergency Card Replacement Fee

$15.00

$15.00

$1.00
$40.00
$150.00

of

the amount

or
t he required minimum payment ,
w hichever is less, if you are one (1) or more days lat e in
making a payment .
or
the amount
w hichever is less.

t he required minimum payment ,

of

Collection Costs. You agree t o pay all cost s of collect ing t he amount you ow e under t his Agreement ,
including court cost s and reasonable at t orney' s f ees.

Periodic Rates.

The Purchase APR is
The Balance Transf er APR is
The Cash Advance A PR is

12.95%

w hich is a daily periodic rate of

.03548

12.95%

12.95%

w hich is a daily periodic rat e of

.03548

w hich is a daily periodic rat e of

.03548

CUNA Mut ual Group 2009, 10, A ll Right s Reserved

DNYLY4 (MXC452 CCM0 02)-e