F1 
CREDIT CARD ACCOUNT OPENING DISCLOSURE 

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 
Paying Interest 

Minimum Interest Charge 
For Credit Card Tips from the Consumer 
Financial Protection Bureau 

F2
F3  
F4  
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.  
F5  
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 
- Balance Transfer Fee
- Cash Advance Fee
Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

F6  

F7  
F8  

Up to F9  
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 

Returned Payment Fee 

Statement Copy Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 

 or the amount of the required minimum payment, whichever is 

 or the amount of the required minimum payment, whichever is 

F11   
less, if you are ten or more days late in making a payment. 
F12    
less. 
F13    
F14    
F15    

Collection  Costs:  You  promise  to  pay,  subject  to  applicable  law,  all  costs  of  collecting  what  you  owe  under  this 
Agreement and all costs of realizing on any security for the Agreement, including court costs, collection agency fees and 
reasonable  attorney’s  fees.  We  may  enter  into  a  contingent  or  hourly  fee  arrangement  with  an  attorney  or  collection 
agency  and  you  agree  that  such  an  Agreement  is  reasonable.  This  provision  also  applies  to  bankruptcy,  appeals  or 
postjudgment proceedings. 

Periodic Rates: 
The Purchase APR is F16 
The Balance Transfer APR is F18        which is a monthly periodic rate of F19   
The Cash Advance APR is F20     

 which is a monthly periodic rate of F17         . 

 which is a monthly periodic rate of F21    

 . 

 . 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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