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. 

MIT ALUMNI / ONYX SMART REWARDS CREDIT CARD
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 

Paying Interest 

For Credit Card Tips from the Consumer 
Financial Protection Bureau 

Fees 
Transaction Fees 
-  Foreign Transaction Fee 

-  Foreign Transaction Processing Fee 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F2             
11.99%
This APR will vary with the market based on the Prime Rate. 
F3             
11.99%
This APR will vary with the market based on the Prime Rate. 
F4             
11.99%
This APR will vary with the market based on the Prime Rate. 
F5             
16.99%

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 these reasons, 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.  
To learn more about factors to consider when applying for or 
using a credit card or visit the website of the Consumer Financial 
Protection Bureau at http://www.consumerfinance.gov/learnmore. 

F6          of each multiple currency transaction in U.S. dollars 
1.00%
F7          of each single currency transaction in U.S. dollars 
0.80%
F8          of international transaction in U.S. dollars (maximum fee: F9       
2.00%
1.00%
of the amount) 

Up to F10            
$25.00
Up to F11           
$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. 

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 

F12        or the amount of the required minimum payment, 
$25.00
whichever is less, if you are ten (10) or more days late in making 
a payment. 
F13        or the amount of the required minimum payment, 
$25.00
whichever is less. 

Statement Copy Fee 
Document Copy Fee 
©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

F14           
$5.00
F15           
$5.00

DMACA2 (MXC452 CCM002)-e 

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

 
 
 
 
 
 
 
Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Copy of Entertainment and Entertainment Draft Fee 

F16           
$50.00
F17           
$75.00
F18           
$15.00
F19           
$25.00

Periodic Rates. 

11.99%

The Purchase APR is F20        which is a monthly periodic rate of F21           
The Balance Transfer APR is F22        which is a monthly periodic rate of F23           
The Cash Advance APR is F24        which is a monthly periodic rate of F25           
The Penalty Rate APR is F26        which is a monthly periodic rate of F27           

0.99916667%.
1.415833333%.

0.999166667%.

11.99%

11.99%

16.99%

0.99916667%.

Variable Rate. 

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 ten (10) days prior to the first day of the month of the new 
quarter  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 18.00%. 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 F28        above the Index. 
Balance transfers will be charged at F29        above the Index. 
Cash advances will be charged at F30        above the Index. 

8.74%

8.74%

8.74%

Member Number: ____________________________________________  

Member’s Signature: __________________________________________  

Date: _____/_____/_____  

Authorized User’s Signature: ___________________________________  

Date: _____/_____/_____ 

DMACA2 (MXC452 CCM002)-e