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.

VISA PLATINUM VARIABLE 
CREDIT CARD ACCOUNT OPENING DISCLOSURE 

Interest Rates and Interest Charges
Annual Percentage Rate (APR) for 
Purchases 

APR for Cash Advances 

APR for Balance Transfers 

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees
Transaction Fees 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

9.50% 
This APR will vary with the market based on the Prime Rate. 
9.50% 
This APR will vary with the market based on the Prime Rate. 
9.50% 
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 do not charge you 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. 
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. 

None 
None 
1.00%   of each transaction in U.S. dollars 

Up to $25.00 
Up to $25.00 

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 

Rush Fee 
Card Replacement Fee 
Convenience Check Stop Payment Fee 

or the amount of the required minimum payment, whichever is 

$25.00  or the amount of the required minimum payment, whichever is 
less. 
$25.00 
less. 
$25.00  
$25.00  per card 
$25.00  

Collection  Costs.  You  agree  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this  Agreement,  including 
reasonable attorney's fees not in excess of  15.00% of any judgment and all court costs. 

Periodic Rates. 

The Purchase APR is  9.50%  which is a daily periodic rate of 0.0260%. 
The Cash Advance APR is  9.50%  which is a daily periodic rate of 0.0260%. 
The Balance Transfer APR is  9.50%  which is a daily periodic rate of 0.0260%. 

©CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED 

DCTDM3 (MXC450 CCM001)-e 

SEE BACK OF PAGE for more important information about your account. 

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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 first Tuesday of January, April, July, and October 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  6.00% 
Cash advances will be charged at  6.00% 
Balance transfers will be charged at  6.00% 

above the Index. 

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above the Index. 

above the Index. 

DCTDM3 (MXC450 CCM001)-e