CREDIT CARD ACCOUNT OPENING DISCLOSURE

VISA GOLD  

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

10.25%            
This APR will vary with the market based on the Prime Rate.
10.25%
This APR will vary with the market based on the Prime Rate.
10.25%            
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
Annual Fee
- Annual Fee
Transaction Fees
- Foreign Transaction Fee

Penalty Fees
- Late Payment Fee

None            

1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars

Up to $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.

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

Emergency Card Replacement Fee
Card Replacement Fee
Loan Modification Fee

$25.00 or the amount of the required minimum payment, whichever is 
less, if you are ten (10) or more days late in making a payment.
$11.00 plus $25.00 expedited delivery fee
$11.00        
$25.00     

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 10.25% which is a daily periodic rate of 0.0281%       
The Balance Transfer APR is 10.25% which is a daily periodic rate of 0.0281%         
The Cash Advance APR is 10.25% which is a daily periodic rate of 0.0281%          

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved

DAZCZ1 (MXC4XX CCM002)

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

Variable Rate.

The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change 
in the Index and will be determined by the Prime Rate on the day following a change in the Index of each calendar month 
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  17.95%.  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 7.00% above the Index.
Balance transfers will be charged at 7.00% above the Index.
Cash advances will be charged at 7.00% above the Index.

DAZCZ1 (MXC450 CCM00)-e