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 

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Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you any interest on purchases and balance transfers 
if you pay your entire balance by the due date each month. We will 
begin charging interest on cash advances 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. 

Fees 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F6             

F7             of each transaction in U.S. dollars 

Up to F8              
Up to F9             

How We Will Calculate Your Balance. We use a method called “average daily balance (excluding 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 

F10           or the amount of the required minimum payment, whichever 
is less, if you are ten (10) or more days late in making a payment. 
F11           or the amount of the required minimum payment, whichever 
is less. 

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 F12           which is a monthly periodic rate of F13           
The Balance Transfer APR is F14           which is a monthly periodic rate of F15           
The Cash Advance APR is F16           which is a monthly periodic rate of F17           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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