CREDIT CARD 
ACCOUNT 
OPENING 
DISCLOSURE 

VISA PLATINUM VARIABLE 

This Disclosure is incorporated into and becomes part of Your LOANLINER® Consumer Credit Card Agreement & 
Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & 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 

11.25% 
This APR will vary with the market based on the Prime Rate. 
11.25% 
This APR will vary with the market based on the Prime Rate. 

11.25% 
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 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. 

Fees 
Transaction Fees 
- Balance Transfer Fee
- Cash Advance Fee
- Foreign Transaction Fee

Penalty Fees 
- Late Payment Fee
- Returned Payment Fee

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. 

Military Lending Act Disclosures: 
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions 
of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent 
may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or 
account:  The  costs  associated  with  credit  insurance  premiums;  fees  for  ancillary  products  sold  in  connection  with  the 
credit  transaction;  any  application  fee  charged  (other  than  certain  application  fees  for  specified  credit  transactions  or 
accounts); and any participation fee charged (other than certain participation fees for a credit card account). 

Other Fees & Disclosures: 
Late Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less, if You are one or more days late in making a 
payment.  If  Your  Account is subject to a Late  Payment Fee, the fee  will be charged  to  Your  Account  when  You do  not 
make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this 
Disclosure. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

Charter Oak Federal Credit Union 

00607254-MXC20-P-1-051517 (MXC201-E) 

         SEE NEXT PAGE for more important information about Your Account. 

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned 
Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason. 

Card Replacement Fee: 
$25.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is 
issued to You for any reason. 

Rush Fee: 
$25.00.  If  Your  Account  is  subject  to  a  Rush  Fee,  except  as  limited  by  applicable  law,  a  fee  may  be  charged  to  Your 
Account for each rush Card that You request, providing that delivery of the Card is also available by standard mail service, 
without paying a fee for delivery. 

Collection Costs: 
For Connecticut Borrowers: 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. 
For All Other Borrowers: You agree to pay all costs of collecting the amount You owe under this Agreement, including 
court costs and reasonable attorney's fees. 

Periodic Rates: 

The Purchase APR is 11.25%  which is a daily periodic rate of  0.0308%. 
The Balance Transfer APR is 11.25%  which is a daily periodic rate of  0.0308%. 
The Cash Advance APR is 11.25%  which is a daily periodic rate of  0.0308%. 

Variable Rate: 

The ANNUAL PERCENTAGE RATE may increase in the future. 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 
first Tuesday of January, April, July, and October of each year, 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 result in an increase in 
the amount of the interest You will pay, may increase Your minimum payment, and may increase the number of payments 
to pay off Your balance. 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 
Balance Transfers will be charged at 
Cash Advances will be charged at 

6.00% above the Index. 

6.00% above the Index. 

6.00% above the Index. 

© CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved 

Charter Oak Federal Credit Union 

00607254-MXC20-P-1-051517 (MXC201-E)