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. 

VISA SIGNATURE CASHBACK 
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 
-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

 15.990

 13.990

          % 
 13.990
This APR will vary with the market based on the Prime Rate. 
          % 
This APR will vary with the market based on the Prime Rate. 
          % 
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. 

2.00

$           or        % of the amount of each cash advance, whichever is 
10.00
greater 
        % of each transaction in U.S. dollars 
1.00

Up to $  
Up to $ 

26.00
26.00

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 

$         or the amount of the required minimum payment, whichever  

26.00

Late Payment Fee 
                                                                                 is less, if you are one or more days late in making a payment. 
Returned Payment Fee 
26.00
                                                                                 is less. 
Statement Copy Fee 
Rush Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Sales Draft Copy Fee 
Stop Payment Fee 
Research Fee 

$        per document 
$ 
$ 
$ 
$ 
$ 
$          per hour 

5.00
30.00
5.00
18.00
5.00
25.00
25.00

$          or the amount of the required minimum payment, whichever  

Periodic Rates: 
The Purchase APR is           % which is a monthly periodic rate of           %. 
  1.165
The Balance Transfer APR is             % which is a monthly periodic rate of           %. 
The Cash Advance APR is           % which is a monthly periodic rate of          %. 

 13.990

 15.990

 13.990

  1.332

  1.165

Variable Rate: 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE NEXT PAGE for more important information about your account. 

 
   
 
 
 
 
 
 
 
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),  to  which  we  add  a  margin.  The  ANNUAL 
PERCENTAGE  RATE  will  never  be  greater  than  24.99%.  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            % above the Index. 
15.740
Balance Transfers will be charged at            % above the Index. 
Cash Advances will be charged at            % above the Index. 

 17.740

15.740

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