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. 

CREDIT CARD ACCOUNT OPENING DISCLOSURE

F1  

Interest Rates and Interest Charges 
Annual Percentage Rate (APR) for 
Purchases 

APR for Balance Transfers 

APR for Cash Advances 

Paying Interest 

Minimum Interest Charge 

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 

F2             
This APR will vary with the market based on the Prime Rate. 
F3           Introductory APR for a period of 12 billing cycles. 

After that your APR will be F4          This APR will vary with the market 
based on the Prime Rate. 
F5             
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.  
If you are charged interest, the charge will be no less than F6              
The minimum interest charge will be charged on any dollar amount. 
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. 

F7             
F8           or F9          of the amount of each cash advance, whichever is 
greater (Maximum Fee: F10       ) 
F11         of each multiple currency transaction in U.S. dollars 
F12         of each single currency transaction in U.S. dollars 

Up to F13            
Up to F14           

How We Will Calculate Your Balance. We use a method called “average daily balance (excluding new purchases).” See 
your account Agreement for more details. 

Promotional Period for Introductory APR. The Introductory APR for balance transfers will apply to transactions posted 
to your account from F15                          until F16            

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 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Card Replacement Fee 

F17        or the amount of the required minimum payment, whichever is 
less, if you are one (1) or more days late in making a payment. 
F18        or the amount of the required minimum payment, whichever is 
less. 
F19           
F20           
F21           
F22           

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

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

 
 
 
 
 
Collection  Costs.  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 F23         which is a monthly periodic rate of F24           
The Introductory Balance Transfer APR is F25         which is a monthly periodic rate of F26           
The Balance Transfer APR is F27         which is a monthly periodic rate of F28           
The Cash Advance APR is F29         which is a monthly periodic rate of F30           

Variable Rate. 

The ANNUAL PERCENTAGE RATE is subject to change on the first day of each calendar quarter to reflect any change in 
the  Index  and  will  be  determined  by  the  Prime  Rate  on  the  tenth  day  of  the  month  preceding  the  calendar  quarter  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  17.90%.  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 F31         above the Index. 
Balance transfers will be charged at F32         above the Index. 
Cash advances will be charged at F33         above the Index. 

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