VISA PLATINUM
CONSUMER CREDIT CARD AGREEMENT

In this Agreement, “Agreement” means this Consumer Credit Card Agreement. “Disclosure” means the Credit Card Account 
Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement and is part 
of the Agreement. In this Agreement the words "you," “your,” and "yours" mean each and all of those who agree to be bound 
by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the Credit Union issues 
to  you;  "account"  means  your  Visa  credit  card  line-of-credit  account  with  the  Credit  Union;  and  "Credit  Union"  means  the 
Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement. 
1.  USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of credit for you. 
You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other charges") 
which  you  will  have  outstanding  on  your  account  at  any  time.  Unless  disclosed  otherwise,  the  Credit  Union  will  not  allow 
advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that exceed your 
credit  limit,  subject  to  a  fee,  the  Credit  Union  will  provide  you  with  notice,  either  orally,  in  writing,  or  electronically 
(notwithstanding the requirements of the paragraph entitled “Statements and Notices”) explaining your right to opt in to the 
Credit  Union’s  program  whereby  it  will  honor  advance  requests  over  the  credit  limit.  In  the  event  you  opt  in  to  such  a 
program,  you  agree  to  the  terms  of  such  a  program.  You  may  request  an  increase  in  your  credit  limit  only  by  a  method 
acceptable  to  the  Credit  Union.  The  Credit  Union  may  increase  or  decrease  your  credit  limit,  refuse  to  make  an  advance 
and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain cash advances 
on  your  account,  we  may,  from  time  to  time,  issue  convenience  checks  to  you  that  may  be  drawn  on  your  account. 
Convenience checks may not be used to make a payment on your account balance. If you use a convenience check, it will 
be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your 
account for any reason and such refusal shall not constitute wrongful dishonor. 
You  may  request  that  we  stop  the  payment  of  a  convenience  check  drawn  on  your  account.  You  agree  to  pay  any  fee 
imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request orally, 
if  permitted,  or  in  writing.  Your  request  must  be  made  with  sufficient  time  in  advance  of  the  presentment  of  the  check  for 
payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately describe the 
check including the exact account number, the payee, any check number that may be applicable, and the exact amount of 
the check. If permitted, you may make a stop payment request orally but such a request will expire after 14 days unless you 
confirm your request in writing within that time. Written stop payment orders are effective only for six (6) months and may be 
renewed  for  additional  six  month  periods  by  requesting  in  writing  that  the  stop  payment  order  be  renewed.  We  are  not 
required to notify you when a stop payment order expires. If we re-credit your account after paying a check or draft over a 
valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all 
of  your  rights  against  the  payee  or  other  holders  of  the  check  or  draft  and  to  assist  us  in  any  legal  action.  You  agree  to 
indemnify and hold us harmless from all costs and expenses, including attorney's fees, damages, or claims, related to our 
honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to us 
or the giving of inadequate time to act upon a stop payment request.  
2.  USING  YOUR  CARD  —  You  understand  that  the  use  of  your  credit  card  or  credit  card  account  will  constitute 
acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening 
Disclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card. The 
credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to pay for 
goods  or  services  over  the  Internet,  you  may  be  required  to  provide  card  number  security  information  before  you  will  be 
permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other financial 
institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If the 
credit union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). To obtain 
cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that you will not use 
your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use your card for an illegal 
transaction,  you  will  be  responsible  for  all  amounts  and  charges  incurred  in  connection  with  the  transaction.  If  you  are 
permitted  to  obtain  cash  advances  on  your  account,  you  may  also  use  your  card  to  purchase  instruments  and  engage in 
transactions that we consider the equivalent of cash. Such transactions will be posted to your account as cash advances and 
include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and casino gaming chips, as applicable. This 
paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal. 
3.  PROMISE  TO  PAY  —  You  promise  to  pay  all  charges  (purchases,  cash  advances,  balance  transfers,  use  of 
convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You 
also  promise  to  pay  all  finance  charges  and  other  charges  added  to  your  account  under  the  terms  of  this  Agreement  or 
another  agreement  you  made  with  the  Credit  Union.  If  this  is  a  joint  account,  the  paragraph  on  JOINT  ACCOUNTS  also 
applies to your account. 

©CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights Reserved 

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4.  PERIODIC RATES — The periodic rates applicable to purchases, cash advances, and balance transfers are disclosed 
on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a payment by 
the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to applicable law. If the 
rate  for  your  account  is  variable,  as  indicated  on  the  accompanying  Disclosure,  the  rate  charged  on  purchases,  cash 
advances,  balance  transfers  and  any  penalty  rate  will  vary  periodically  as  disclosed  in  the  Disclosure  accompanying  this 
Agreement.  The  initial  rate  on  your  account  for  certain  types  of  transactions  may  be  an  introductory  discounted  rate 
(Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an Introductory Rate 
applies to your account, the rates and the period of time it will be effective is shown on the Disclosure accompanying this 
Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to the rates that would 
ordinarily apply for that type of transaction based on the terms of this Agreement.  
5.  FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a finance charge for 
that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new balance 
on the previous cycle's billing statement by the payment due date of that statement; otherwise a finance charge will accrue 
from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of purchases, you 
must  pay  the  entire  new  balance  on  the  billing  statement  by  the  payment  due  date  of  that  statement.  A  finance  charge 
begins to accrue on cash advances from the date you get the cash advance or from the first day of the billing cycle in which 
the cash advance is posted to your account, whichever is later (transaction date). 
The  finance  charge  is  calculated  separately  for  purchases  and  cash  advances.  For  purchases,  the  finance  charge  is 
computed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance of 
purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract any 
payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of purchases for 
the  billing  cycle  together  and  divide  the  total  by  the  number  of  days  in  the  billing  cycle.  This  gives  us  the  average  daily 
balance of purchases.  
For  cash  advances,  the  finance  charge  is  computed  by  applying  the  periodic  rate  to  the  average  daily  balance  of  cash 
advances.  To  calculate  the  average  daily  balance  of  cash  advances,  we  take  the  beginning  outstanding  balance  of  cash 
advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash 
advance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash advances 
for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the average daily 
balance of cash advances. Balance transfers are calculated in the same manner as cash advances. 
6.  FOREIGN  TRANSACTIONS  —  Purchases  and  cash  advances  made  in  foreign  currencies  will  be  debited  from  your 
account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing 
international  transactions is a rate selected by Visa from a  range of rates available in wholesale currency markets for the 
applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated rate 
in effect for the applicable central processing date. The exchange rate used on the processing date may differ from the rate 
that would have been used on the purchase date or cardholder statement posting date.  
A  fee  (finance  charge),  calculated  in  U.S.  dollars,  will  be  imposed  on  all  foreign  transactions,  including  purchases,  cash 
advances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes on 
your  card  outside  of  the  United  States,  with  the  exception  of  U.S.  military  bases,  U.S.  territories,  U.S.  embassies  or  U.S. 
consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement. 
7.  FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to 
your  account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Disclosure  accompanying  this  Agreement.  Your 
account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. 
a.  Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee will 
be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial institution.  
b.  Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance charge), a 
fee may be charged to your account for transactions made outside of the United States or in a foreign currency.  
c.  Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when you 
do not make the required minimum payment by or within the number of days of the statement Payment Due Date set forth 
on the Disclosure accompanying this Agreement. 
d.  Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your account 
when a payment is returned for any reason. 
e.  Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and when 
the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your account for 
each copy of a sales draft or statement that you request. 
f.  Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee 
may be charged to your account for each copy of a sales draft or statement that you request (except when the request is 
made in connection with a billing error made by the Credit Union). 
g.  Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your 
account for each rush card that you request, providing delivery of the card is also available by standard mail service, without 
paying a fee for delivery. 

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h.  Emergency Card Replacement Fee. If your account is subject to an Emergency Card Replacement Fee, a fee will be 
charged to your account for each emergency replacement card that is issued to you. 
i.  Card  Replacement  Fee.  If  your  account  is  subject  to  a  Card  Replacement  Fee,  a  fee  will  be  charged  for  each 
replacement card that is issued to you for any reason. 
j.  Research Fee. If your account is subject to the Research Fee, a fee will be charged to your account as disclosed on the 
Disclosure accompanying this Agreement. 
8.  PAYMENTS — Each month you must pay at least the minimum payment shown on your statement by the date specified 
on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new balance in full. If 
you make extra or larger payments, you are still required to make at least the minimum payment each month your account 
has a balance (other than a credit balance). The minimum payment is 3.00% of your total new balance, or $25.00, whichever 
is  greater,  plus  the  amount  of  any  prior  minimum  payments  that  you  have  not  made,  all  outstanding  unpaid  fees  and 
charges, and any amount you are over your credit limit by the date specified on the statement. The Credit Union also has the 
right to demand immediate payment of any amount by which you are over your credit limit.  
9.  PAYMENT  ALLOCATION  —  Subject  to  applicable  law,  your  payments  may  be  applied  to  what  you  owe  the  Credit 
Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of the 
required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the highest 
annual percentage rate and any remaining portion to  the other balances in descending order based on applicable annual 
percentage rate.  
10.  SECURITY INTEREST — You grant the Credit Union a security interest under the Uniform Commercial Code and under 
any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a specific pledge 
of  shares  by  signing  a  separate  pledge  of  shares,  your  pledged  shares  will  secure  your  account.  You  may  not  withdraw 
amounts that have been specifically pledged to secure your account until the Credit Union agrees to release all or part of the 
pledged amount.  

Your Account is secured by all other shares you have in any individual or joint account with the Credit Union, 
except  for  shares  in  an  Individual  Retirement  Account  or  in  any  other  account  that  would  lose  special  tax 
treatment under state or federal law if given as security. These other shares may be withdrawn unless you are in 
default  under  this  agreement.  You  authorize  the  Credit  Union  to  apply  the  balance  in  your  individual  or  joint 
share accounts to pay any amounts due on your Account if you should default. 

Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never be 
considered as security for this account, notwithstanding anything to the contrary in any other agreement.  
11.  DEFAULT — You will be in default if you are more than ten (10) days late in making any minimum payment or other 
required payment. You will also be in default if you do not comply with the terms of this Agreement and your failure to comply 
materially  impairs  any  property  you  gave  as  security  for  this  Agreement  or  your  ability  to  repay  what  you  owe  under  this 
Agreement. 
When you are in default and after expiration of any right you have to cure your default under the applicable state law, the 
Credit Union has the right to demand immediate payment of your full account balance. If immediate payment is demanded, 
you agree to continue paying finance charges at the periodic rate charged before default, until what you owe has been paid, 
and any shares that were given as security for your account may be applied towards what you owe. 
12.  LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — You agree to notify us immediately, 
orally or in writing, at PO Box 10409, Des Moines, IA 52004-0409 or telephone 800-234-5354 seven (7) days a week, 24 hours a 
day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. 
You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You 
will have no liability for unauthorized purchases made with your credit card, unless you are grossly negligent in the handling 
of your card. In any case, your liability will not exceed $50.00. 
13.  CHANGING OR TERMINATING YOUR ACCOUNT — As permitted by law, the Credit Union may change the terms of 
this  Agreement  and  any  attached  Disclosure  from  time  to  time.  Notice  of  any  change  will  be  given  in  accordance  with 
applicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account balance 
as well as to future transactions. 
Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will not 
affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. Your 
obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject to all 
applicable  laws  and  regulations  regarding  repayment  requirements.  You  are  also  responsible  for  all  transactions  made  to 
your account after termination, unless the transactions were unauthorized. 
The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit 
Union  all  cards  upon  request  or  upon  termination  of  this  Agreement  whether  by  you  or  the  Credit  Union.  If  this  is  a  joint 
account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.  

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14. CHANGING  OR  TERMINATING  AUTHORIZED  USERS  —  Upon  your  request,  we  may  issue  additional  cards  for
authorized users that you designate. You must notify us in writing of any termination of an authorized user's right to access 
your account. Your letter must include  the name of  the authorized user and your account number and/or any subaccount 
number issued to the authorized user along with the authorized user's card and any convenience or other access checks 
issued  to  the  authorized  user.  If  you  cannot  return  the  authorized  user's  card  or  access  checks  and  if  you  request  your 
account to be closed, we will close your account and you may apply for a new account. 
15. CREDIT  REVIEW  AND  RELEASE  OF  INFORMATION  —  You  authorize  the  Credit  Union  to  investigate  your  credit
standing  when  opening  or  reviewing  your  account.  You  authorize  the  Credit  Union  to  disclose  information  regarding  your 
account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency cash 
and/or  emergency  card  replacement  services,  and  you  request  such  services,  you  agree  that  we  may  provide  personal 
information about you and your account that is necessary to provide you with the requested service(s). 
16. RETURNS  AND  ADJUSTMENTS  —  Merchants  and  others  who  honor  your  card  may  give  credit  for  returns  or
adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your credits 
and  payments  exceed  what  you  owe  the  Credit  Union,  the  amount  will  be  applied  against  future  purchases  and  cash 
advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or automatically after 
six (6) months. 
17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to time offer additional services
to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit Union is not 
obligated to offer such services and may withdraw or change them at any time. 
18. MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financial institution to
honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services 
you  purchase  with  the  card  if  you  have  made  a  good  faith  attempt  but  have  been  unable  to  obtain  satisfaction  from  the 
merchant or service provider, and (a) your purchase was made  in response to an advertisement the Credit Union sent or 
participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 100 miles of 
your home. 
19. JOINT  ACCOUNTS  —  If  this  is  a  joint  account,  each  of  you  will  be  individually  and  jointly  responsible  for  paying  all
amounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay the 
entire  amount  owed  under  this  Agreement.  Each  of  you  authorizes  the  other(s)  to  make  purchases  or  cash  advances 
individually. Any one of you may terminate the account and the termination will be effective as to all of you. 
20. EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your account even
though the sales, cash advances, credit or other slips you sign or receive may contain different terms. 
21. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them.
22. STATEMENTS AND NOTICES — Statements and notices will be mailed or delivered to you at the appropriate address
you have given the Credit Union. Notice sent to any one of you will be considered notice to all. 
23. SEVERABILITY AND FINAL EXPRESSION — This Agreement and the Disclosure are the final expression of the terms
and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any alleged 
oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all other parts 
of  this  Agreement  and  Disclosure  shall  remain  in  effect  and  fully  enforceable  to  the  fullest  extent  possible  under  this 
Agreement. 
24. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure.
25. INTERNET GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any type of electronic
gambling transaction through the Internet. 
26. PENALTY  RATE  DISCLOSURES  —  If  applicable  to  your  account,  all  rates  for  your  account,  including  the  rates  for
purchases,  cash  advances,  and  balance  transfers,  will  increase  to  the  Penalty  Rate  when  you  meet  one  or  more  of  the 
conditions  as  set  forth  in  the  Disclosure  accompanying  this  Agreement.  Any  rate  increases  applied  to  your  account  are 
subject  to  applicable  notice  requirements.  Please  refer  to  the  Disclosure  for  additional  information  regarding  the  Penalty 
Rate. 
27. NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement between you and
the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement. 
28. THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR SIGNATURE ON THIS
NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR  REPAYMENT  OF  THIS  LOAN.  IF  THE  BORROWER  DOES 
NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 

Your Billing Rights: Keep this Document for Future Use 

This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 

What To Do If You Find A Mistake On Your Statement 

If you think there is an error on your statement, write to us at the address listed on your statement. 

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In your letter, give us the following information: 
  -  Account information: Your name and account number. 
  -  Dollar amount: The dollar amount of the suspected error. 
  -  Description  of  problem:  If  you  think  there  is  an  error  on  your  bill,  describe  what  you  believe  is  wrong  and  why  you 

believe it is a mistake. 

You must contact us: 
  -  Within 60 days after the error appeared on your statement. 
  -  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you 

think is wrong. 

You must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required to 
investigate any potential errors and you may have to pay the amount in question. 
What Will Happen After We Receive Your Letter 

When we receive your letter, we must do two things: 
  1. Within  30  days  of  receiving  your  letter,  we  must  tell  you  that  we  received  your  letter.  We  will  also  tell  you  if  we  have 

already corrected the error. 

  2. Within  90  days  of  receiving  your  letter,  we  must  either  correct  the  error  or  explain  to  you  why  we  believe  the  bill  is 

correct.  

While we investigate whether or not there has been an error: 
  -  We cannot try to collect the amount in question, or report you as delinquent on that amount. 
  -  The charge in question may remain on your statement, and we may continue to charge you interest on that amount. 
  -  While you do not have to pay the amount in question, you are responsible for the remainder of your balance. 
  -  We can apply any unpaid amount against your credit limit.  
After we finish our investigation, one of two things will happen: 
  -  If  we  made  a  mistake:  You  will  not  have  to  pay  the  amount  in  question  or  any  interest  or  other  fees  related  to  that 

amount. 

  -  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest 
and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as 
delinquent if you do not pay the amount we think you owe.  

If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still 
refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We 
must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when 
the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is 
correct. 
Your Rights if You Are Dissatisfied With Your Credit Card Purchases 

If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good 
faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 
To use this right, all of the following must be true: 
  1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the 
purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an 
advertisement we mailed to you, or if we own the company that sold you the goods or services.) 

  2. You  must  have  used  your  credit  card  for  the  purchase.  Purchases  made  with  cash  advances  from  an  ATM  or  with  a 

check that accesses your credit card account do not qualify. 

  3. You must not yet have fully paid for the purchase. 
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at 
the address listed on your statement. 
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we 
will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. 

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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 
Transaction Fees 
-  Cash Advance Fee 

-  Foreign Transaction Fee 
Penalty Fees 
-  Late Payment Fee 

-  Returned Payment Fee 

 or F6        of the amount of each cash advance, whichever is 

F5      
greater to a maximum of $15.00
F7         

 of each transaction in U.S. dollars 

Up to F8       
                      or the minimum payment due, whichever is less, if you
are four (4) of more days late. F8
Up to F9        
                     or the amount of the minimum required payment,
Whichever is less. 

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 

Late Payment Fee 

Returned Payment Fee 

Statement Copy Fee 
Document Copy Fee 
Rush Fee 
Emergency Card Replacement Fee 
Card Replacement Fee 
Research Fee 

Periodic Rates. 

F10         or the amount of the required minimum payment, whichever 
is less, if you are four (4) or more days late in making a payment. 
F11        or the amount of the required minimum payment, whichever is 
less. 
F12       
F13       
F14       
F15          
F16       
F17        per hour 

The Purchase APR is F18        which is a daily periodic rate of F19         
The Balance Transfer APR is F20        which is a daily periodic rate of F21         
The Cash Advance APR is F22        which is a daily periodic rate of F23        

©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 statement cycle date of each calendar quarter to reflect 
any change in the Index and will be determined by the Prime Rate on the last business day of each 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  21.00%.  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 F24        above the Index. 
Balance transfers will be charged at F25        above the Index. 
Cash advances will be charged at F26        above the Index. 

DIACA2  (MXC452 CCM002)-e