CREDIT CARD ACCOUNT OPENING DISCLOSURE

F1  

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 

APR for Balance Transfers 

APR for Cash Advances 

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

F2             
This APR will vary with the market based on the Prime Rate. 
F3             
This APR will vary with the market based on the Prime Rate. 
F4             
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 
Annual Fee 
-  Annual Fee 
Transaction Fees 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 

F5              

F6             of each multiple currency transaction in U.S. dollars 
F7             of each single currency transaction in U.S. dollars 

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 

Annual Fee 

Late Payment Fee 

Emergency Card Replacement Fee 
Card Replacement Fee 
Loan Modification Fee 

F9             at the time of opening and annually on anniversary date 
thereafter or F10           per month. 
F11           or the amount of the required minimum payment, whichever 
is less, if you are ten (10) or more days late in making a payment. 
F12           plus F13           expedited delivery fee 
F14           
F15            

Collection Costs. You promise to pay, subject to any limits under applicable law, all costs of collecting the amount you 
owe under this Agreement. This includes, but is not limited to, reasonable attorney's fees and court costs as well as legal 
expenses for any bankruptcy, appeals or post judgment proceedings.  

Periodic Rates. 

The Purchase APR is F16           which is a daily periodic rate of F17           
The Balance Transfer APR is F18           which is a daily periodic rate of F19           
The Cash Advance APR is F20           which is a daily periodic rate of F21           

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE BACK OF PAGE for more important information about your account. 

 
 
 
 
 
 
Variable Rate. 

The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change 
in the Index and will be determined by the Prime Rate on the day following a change in the Index of each calendar month 
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 17.95%. 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 F22           above the Index. 
Balance transfers will be charged at F23           above the Index. 
Cash advances will be charged at F24           above the Index. 

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