VISA PLATINUM

$10.00

3.00%

1.00%
0.80%

$25.00
$25.00

$3.00
$25.00
$5.00
$5.00
$26.00

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved DCALE1 (MXC4XX CCM002)  F1  CREDIT CARD ACCOUNT OPENING DISCLOSUREThis 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 F2             APR for Balance Transfers F3             APR for Cash Advances F4             Paying Interest 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.  For Credit Card Tips from the Consumer Financial Protection Bureau 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 Transaction Fees  - Cash Advance Fee F5             or F6             of the amount of each cash advance, whichever is greater - Foreign Transaction Fee F7             of each multiple currency transaction in U.S. dollars  F8             of each single currency transaction in U.S. dollars Penalty Fees  - Late Payment Fee Up to F9              - Returned Payment Fee 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 F11           or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment. Returned Payment Fee F12           or the amount of the required minimum payment, whichever is less. Statement Copy Fee F13           Emergency Card Replacement Fee F14           plus the amount of domestic or international freight Card Replacement Fee F15           Pay-by-Phone Fee F16           Stop Payment Fee F17           (Checks, ACH, Loan Drafts) 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 F18           which is a monthly periodic rate of F19           The Balance Transfer APR is F20           which is a monthly periodic rate of F21           The Cash Advance APR is F22           which is a monthly periodic rate of F23           Primary Applicant Initial