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 

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 
Annual Fee 
-  Annual  Fee 
Transaction  Fees 
-  Foreign  Transaction  Fee 
Penalty Fees 
-  Late  Payment Fee 
-  Returned  Payment Fee 

F2           Introductory  APR for  a  period  of  six billing  cycles.  

After  that your APR  will be F3          . This  APR will  vary  with  the 
market based  on the Prime  Rate. 
F4           Introductory  APR  for  a period  of  six billing cycles. 

After  that your APR  will be F5           . This  APR  will vary  with the market 
based  on  the Prime Rate. 
F6           Introductory  APR  for  a period  of  six billing cycles. 

After  that your APR  will be F7           . This  APR  will vary  with the market 
based  on  the Prime Rate. 
F8             
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 . 

F9             

F10          of  each  transaction  in U.S. dollars 

Up  to F11            
Up  to F12           

How  We  Will  Calculate  Your  Balance :  We  use  a  method  called  “average  daily  balance  (including  new purchases).” See 
your  account Agreement  for  more  details. 

Introductory  APR  Information:    The  Introductory  APR  for  purchases,  balance  transfers  and  cash  advances  will  apply  to 
transactions  posted  to  your  account.    Any  existing  balances  on  current  Lake  Trust  Credit  Union  credit  card  and/or  loan 
accounts are  not eligible  for  the balance  transfer  Introductory  APR. 

Billing  Rights:  Information  on  your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  your 
account Agreement.   

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 

DMIFX6 (MXC403 CCM003)-e 

SEE NEXT  PAGE for  more  important  information  about  your  account. 

 
 
 
 
 
 
 
 
 
 
 
OTHER  DISCLOSURES 

Late  Payment Fee 

Returned  Payment Fee 

Statement  Copy Fee 
Rush  Fee 
Card  Replacement  Fee 
Research  Fee 
Sales Draft  Copy  Fee 
Stop Payment Fee 

F13          or  the amount  of  the required  minimum  payment, whichever  is 
less, if  your payment  is not  received  by the next statement closing day. 
The  next statement closing day varies  by month  from  2-6  days after 
your  payment  due date.  In  the event  you  fail to make a  payment on 
time in any of  the six billing  cycles following  the initial violation,  you will 
be  charged  F14          or the  amount  of  the required  minimum payment, 
whichever  is less. 
F15          or  the amount  of  the required  minimum  payment, whichever  is 
less. 
F16            
F17            
F18            
F19          per  hour,  minimum  of  one  (1)  hour 
F20          per  sales draft 
F21          per  request 

Periodic Rates: 
The  Introductory  Purchase  APR is F22          which  is a monthly periodic  rate  of F23            
The  Purchase  APR is F24          which is a monthly periodic  rate of  F25            
The  Introductory  Balance  Transfer  APR is F26         which  is a monthly  periodic  rate  of  F27           
The  Balance  Transfer  APR is F28          which  is a monthly periodic  rate  of F29            
The  Introductory  Cash  Advance  APR is F30         which  is a monthly  periodic  rate  of  F31           
The  Cash  Advance  APR is F32         which  is a monthly  periodic  rate  of  F33           

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  Tuesday  of  March,  June,  September  and  December,   to  which  we  add  a  margin.  The  ANNUAL 
PERCENTAGE  RATE  will  never  be  greater  than  23.99%.  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 F34          above  the Index. 
Balance  Transfers  will be  charged  at F35         above  the Index. 
Cash  Advances  will be  charged  at F36         above  the Index. 

DMIFX6 (MXC403 CCM003)-e