�CUNA Mutual Group 2009, 10, 12 All Rights Reserved DIDBY1 (MXC452 CCM002)-e   
F1  CREDIT CARD ACCOUNT OPENING DISCLOSURE
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. 
Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for Purchases F2             
APR for Balance Transfers F3             
APR for Cash Advances F4             
Paying Interest 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 cash advances and balance transfers on the transaction date.  
For Credit Card Tips from the Consumer Financial Protection Bureau 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 
Transaction Fees  
- Foreign Transaction Fee F5          of each transaction in U.S. dollars 
Penalty Fees  
- Late Payment Fee Up to F6              
- Over-the-Credit Limit Fee F7             
- Returned Payment Fee Up to F8             
 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 F9          or the amount of the required minimum payment, whichever is less, if you are one (1) or more days late in making a payment. Returned Payment Fee F10        or the amount of the required minimum payment, whichever is less. Statement Copy Fee F11        per page Rush Fee F12        per card plus postage Card Replacement Fee F13           Visa Sales Draft Fee F14           Card Capture Fee F15           If you card is captured, you may be required to pay the Capture Fee Collection Costs. You agree to pay all costs of collecting the am ount you owe under this Agreement, including court costs and, if the amount you borrowed was greater than $1,000.00, reasonable attorney's fees. Periodic Rates. The Purchase APR is F16        which is a monthly periodic rate of F17           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 F21