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 
Penalty APR and When it Applies 

F2             
F3             
F4             
F5             

Paying Interest 

Minimum Interest Charge 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Annual Fees 
-  Annual Fee 
Transaction Fees 
-  Cash Advance Fee 
-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

This APR may be applied to your account if you: 
  -  Make a late payment 

How Long Will the Penalty APR Apply? If your APRs are increased 
for this reason, the Penalty APR will apply until you make six (6) 
consecutive minimum payments when due. 
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             
F9          of each transaction in U.S. dollars 

Up to F10            
Up to F11           

How We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment. 

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 

Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Pay-by-Phone Fee 
Copy of Sales Draft Fee 
Original Sales Draft Fee 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

F12        or the amount of the required minimum payment, whichever is 
less, if you are 16 or more days late in making a payment. 
F13        or the amount of the required minimum payment, whichever is 
less. 
F14           
F15           
F16           
F17           
F18           
F19           

DMDAS3 (MXC452 CCM002)-e 

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 F20        which is a daily periodic rate of F21           
The Balance Transfer APR is F22        which is a daily periodic rate of F23           
The Cash Advance APR is F24        which is a daily periodic rate of F25           
The Penalty Rate APR is F26        which is a daily periodic rate of F27           

DMDAS3 (MXC452 CCM002)-e