This Disclosure 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 

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 
-  Balance Transfer Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F1
This APR will vary with the market based on the Prime Rate. 
F2  

 Introductory APR until F3 

    .  

After that your APR will be F4  
based on the Prime Rate. 
F5      
This APR will vary with the market based on the Prime Rate. 
F6  

 . This APR will vary with the market 

This APR may be applied to your account if you: 

-  Make a late payment 
-  Make a payment that is returned 

How Long Will the Penalty APR Apply? If your APRs are increased 
for these reasons, the Penalty APR will apply until you make six 
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 
balance transfers and cash advances 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. 

 or F8 

 of the amount of each balance transfer, whichever 

 of each transaction in U.S. dollars 

F7  
is greater 
F9  

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. 

Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted 
to your account from F12                       , until F13                       .  

Loss of Introductory APR: We may end your Introductory APR for balance transfers and apply the Penalty APR if you 
are 60 days late in making a payment. If  your APRs  are increased for this reason, the Penalty  APR  will apply until  you 
make six consecutive minimum payments when due  

Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
a payment or make a payment that is returned. If your APRs are increased for this reason, the Penalty APR will apply until 
you make six consecutive minimum payments when due 

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

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SEE NEXT PAGE for more important information about your account. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
Account Agreement.  

OTHER DISCLOSURES 

Balance Transfer Fee 

Late Payment Fee 

Returned Payment Fee 

Document Copy Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Pay-by-Phone Fee (one-time debit) 
Recurring ACH Set-Up Fee 

F14        or F15        of the amount of each balance transfer, whichever 
is greater. The fee will be waived on all balance transfers posted at the 
non-introductory APR. 
F16        or the amount of the required minimum payment, whichever is 
less, if you are three or more days late in making a payment. 
F17        or the amount of the required minimum payment, whichever is 
less. 
F18           
F19           
F20           
F21           
F22           

Collection  Costs:  You  promise  to  pay  all  costs  of  collecting  the  amount  you  owe  under  this  Agreement  to  the  extent 
permitted by state law.  

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         . 
The Penalty Rate APR is F31         which is a monthly periodic rate of F32         . 

Variable Rate: 
The  ANNUAL  PERCENTAGE  RATE  is  subject  to  change  quarterly  on  the  first  day  of  the  billing  cycle  to  reflect  any 
change in the Index and will be determined by the Prime Rate as listed in the “Money Rates” section of  The Wall Street 
Journal  on  the  third  business  day  of  each  calendar  quarter,  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 F33         above the Index. 
Balance Transfers will be charged at F34         above the Index. 
Cash Advances will be charged at F35         above the Index. 

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