CREDIT CARD ACCOUNT OPENING DISCLOSURE 

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This Disclosure 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 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

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This APR will vary with the market based on the Prime Rate. 
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This APR will vary with the market based on the Prime Rate. 
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This APR will vary with the market based on the Prime Rate. 
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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 if you pay your entire 
balance by the due date each month. We will begin charging interest on 
balance transfers and 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 
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 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

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F12           
F13      of the amount of each cash advance 
F14      of each transaction in U.S. dollars 
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Up to F16            
Up to F17           

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 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
PIN Replacement Fee 

F18       or the amount of the required minimum payment, whichever is 
less, if you are five or more days late in making a payment. 
F19       or the amount of the required minimum payment, whichever is 
less. 
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©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE NEXT PAGE for more important information about your account. 

 
 
 
 
 
 
 
 
 
 
Card Replacement Fee 
Two Day Shipping Fee 
Overnight Shipping Fee 
Emergency Card Replacement Fee 

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Collection  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 F27       which is a daily periodic rate of F28         . 
The Balance Transfer APR is F29       which is a daily periodic rate of F30         . 
The Cash Advance APR is F31       which is a daily periodic rate of F32         . 

Variable Rate: 
The  ANNUAL  PERCENTAGE  RATE  is  subject  to  change  quarterly  on  the  first  day  of  the  billing  cycle  to  reflect  any 
change in the Index and will be determined by the Prime Rate as listed in the “Money Rates” section of  The Wall Street 
Journal  on  the  first  day  of  each  quarter  (January,  April,  July,  October)  of  each  year,  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 F33       above the Index. 
Balance Transfers will be charged at F34       above the Index. 
Cash Advances will be charged at F35       above the Index. 

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