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CREDIT CARD ACCOUNT OPENING DISCLOSURE 
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 Penalty APR and When it Applies 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 
Set-up and Maintenance Fees 
-Annual Fee 
-Account Set -up Fee 
-Program Fee 
-Participation Fee 
-Additional Card Fee 
-Application Fee 
Transaction Fees 
-Balance Transfer Fee 
-Cash Advance Fee 
-Foreign Transaction Fee 
-Transaction Fee for Purchases of the amount of each cash advance 
of each transaction in U.S. dollars 
Penalty Fees 
-Late Payment Fee 
-Returned Payment Fee Up to 
Up to 
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 or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment. Returned Payment Fee or the amount of the required minimum payment, whichever is less. Statement Copy Fee Document Copy Fee Rush Fee Emergency Card Replacement Fee PIN Replacement Fee Card Replacement Fee Express Shipping Fee 
�CUNA Mutual Group 2009, 10, 12 All Rights Reserved DMIGD3 (MXC453 CCM002)-e 
SEE BACK OF PAGE for more important information about your account.   
                                                                                                   F27F28F29F30F31F32Collection Costs: You promise to pay all costs of collecting the amount you owe under this Agreement to the extent permitted by state law. Periodic Rates: The Purchase APR is which is a daily periodic rate of . The Balance Transfer APR is which is a daily periodic rate of . The Cash Advance APR is which is a daily periodic rate of . 
DMIGD3 (MXC453 CCM002)-e