RATEWISE VISA
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 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

15.25%
F2             
This APR will vary with the market based on the Prime Rate. 
15.25%
F3             
This APR will vary with the market based on the Prime Rate. 
15.25%
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 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.  
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 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

2.00%

$5.00
F5             or F6             of the amount of each cash advance, 
whichever is greater (Maximum Fee: F7            ) 
1.00%
F8             of each transaction in U.S. dollars 

$25.00

$25.00
Up to F9              
$25.00
Up to F10           

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 

Statement Copy Fee 
Rush Fee 
Card Replacement Fee 
Pay-by-Phone Fee 

$25.00
F11           or the amount of the required minimum payment, whichever 
is less, if you are 1 or more days late in making a payment. 
$25.00
F12           or the amount of the required minimum payment, whichever 
is less. 
$10.00
F13           
$25.00
F14           (overnight) 
$10.00
F15           (first card replacement if free) 
$5.00
F16           

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 F17           which is a monthly periodic rate of F18           
The Balance Transfer APR is F19           which is a monthly periodic rate of F20           
The Cash Advance APR is F21           which is a monthly periodic rate of F22           

1.2708%.

1.2708%.

15.25%

15.25%

1.2708%.

15.25%

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DNYQU1 (MXC452 CCM002) 

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 20th day of the month prior to the last calendar date 
of the current billing cycle 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 F23           above the Index. 
Balance transfers will be charged at F24           above the Index. 
Cash advances will be charged at F25           above the Index. 

12.00%

12.00%

12.00%

DNYQU1 (MXC452 CCM00)-e