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. 

MASTERCARD
F1 
CREDIT CARD ACCOUNT OPENING DISCLOSURE 

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 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

Introductory APR for a period of six months.

 Introductory APR for a period of six months.

 . This APR will vary with the

F4.90%2      
After that your APR will be F3      
market based on the Prime Rate. 
4.90%   
F 
After that your APR will be F5  
based on the Prime Rate. 
F6      
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. 

 . This APR will vary with the market 

1.00%(cid:8)

 of each transaction in U.S. dollars 

Up to $30.00F8
Up to $30.00F9

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

Promotional  Period  for  Introductory  APR:  The  Introductory  APR  for  purchases  and  balance  transfers  will  apply  to 
transactions posted to your account during the first six months following the opening of your account.  

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 

Rush Fee 
Card Replacement Fee 

$30.000    or the amount of the required minimum payment, whichever is
less, if you are ten or more days late in making a payment. 
$30.001    or the amount of the required minimum payment, whichever is
less. 
$30.00 
$5.00

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. 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE NEXT PAGE for more important information about your account. 

 
 
   
Periodic Rates: 
The Introductory Purchase APR is F14    
4.90%
The Purchase APR is F16  
The Introductory Balance Transfer APR is F18   
The Balance Transfer APR is F20        which is a daily periodic rate of F21         . 
The Cash Advance APR is F22     

 which is a daily periodic rate of F17         . 

 which is a daily periodic rate of F23         . 

 which is a daily periodic rate of F15         . 

 which is a daily periodic rate of F19   

0.0134%

4.90%

0.0134%

 . 

Variable Rate: 
The ANNUAL PERCENTAGE RATE is subject to change semi-annually 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  January  and  July,  to  which  we  add  a  margin.  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 F24 
Balance Transfers will be charged at F25        above the Index. 
Cash Advances will be charged at F26     

 above the Index. 

 above the Index. 

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