Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for Purchases  to  when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 7.90%15.40% 
 
APR for Cash Advances  to  when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 7.90%15.40%
 
APR for Balance Transfers  to  when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 7.90%15.40%
 
Minimum Interest Charge  If you are charged interest, the charge will be no less than The minimum interest charge will be charged on any dollar amount. $1.00.
 
Paying Interest  We will begin charging interest on purchases on the transaction date.   
For Credit Card Tips from the Federal Reserve Board  To learn more about factors to consider when applying for or using a credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.  
Fees  
Transaction Fees -Cash Advance Fee -Foreign Transaction Fee   or 2% of the amount of each cash advance, whichever is greater, a maximum of $50.  of each multiple currency transaction in U.S. dollars of each single currency transaction in U.S. dollars $10.001.00%0.80%
 
Penalty Fees -Late Payment Fee -Returned Payment Fee  Up to Up to $25.00$25.00
 

How We Will Calculate Your Balance. We use a method called �average daily balance (including new purchases).�  
Effective Date. 
The information about the costs of the card described in this application is accurate as of July 11, 2011.
This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
OTHER DISCLOSURES  
Late Payment Fee  $25.00
 or the amount of the required minimum payment, whichever is  
less.  
Returned Payment Fee $25.00
  or the amount of the required minimum payment, whichever is  
less.  
Statement Copy Fee  $3.00
 
Card Replacement Fee  $10.00
 
Document Copy Fee  $3.00
 
Rush Fee  $35.00
 


904.354.8537 � 800.342.8416 
VISA PLATINUM
F1 
www.CommunityFirstFL.org 
CREDIT CARD ACCOUNT OPENING DISCLOSURE 

Annual Percentage Rate (APR) for 
F2
15.40%
Purchases 
This APR will vary with the market based on the Prime Rate. 
APR for Cash Advances F315.40% 
This APR will vary with the market based on the Prime Rate. 
APR for Balance Transfers F415.40% 
This APR will vary with the market based on the Prime Rate. 
If you are charged interest, the charge will be no less than F5$1.00 . The minimum interest charge will be charged on any dollar amount. 
Minimum Interest Charge 
We will begin charging interest on purchases, cash advances, and balance transfers on the transaction date. 
Paying Interest 
For Credit Card Tips from the Federal To learn more about factors to consider when applying for or using a 
Reserve Board credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. 

Transaction Fees 
-Cash Advance Fee F6 or F72.00%$10.00 of the amount of each cash advance, whichever is greater (Maximum Fee: F8$50.00 ) 
-Foreign Transaction Fee F9 of each multiple currency transaction in U.S. dollars 1.00% 
F10 of each single currency transaction in U.S. dollars 
0.80% 
Penalty Fees 
-Late Payment Fee Up to F11$25.00 
-Returned Payment Fee Up to F12$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 F13$25.00 or the amount of the required minimum payment, whichever is less. Returned Payment Fee F14$25.00 or the amount of the required minimum payment, whichever is less. Statement Copy Fee F15
$3.00 
Document Copy Fee F16
$3.00 
Rush Fee F17


$35.00 
Card Replacement Fee F18

$10.00 
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 F1915.40% which is a monthly periodic rate of F201.2833% 
The Cash Advance APR is F21 which is a monthly periodic rate of F22 
15.40% 1.2833% The Balance Transfer APR is F2315.40% which is a monthly periodic rate of F24
1.2833% 
�CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED DFLRH1 (MXC450 CCM001)-e 
The ANNUAL PERCENTAGE RATE is subject to change 1st day of each calendar quarter to reflect any change in the Index and will be determined by the Prime Rate on the 10th day of the previous month of each calendar 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 17.90%. 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 F2512.15% above the Index. Cash advances will be charged at F2612.15% above the Index. Balance transfers will be charged at F2712.15% above the Index. 
DFLRH1 (MXC450 CCM001)-e 

904.354.8537 � 800.342.8416 
VISA PLATINUM
F1

www.CommunityFirstFL.org 
CREDIT CARD ACCOUNT OPENING DISCLOSURE 

Annual Percentage Rate (APR) for 
F2
13.40%
Purchases 
This APR will vary with the market based on the Prime Rate. 
APR for Cash Advances F313.40% 
This APR will vary with the market based on the Prime Rate. 
APR for Balance Transfers F413.40% 
This APR will vary with the market based on the Prime Rate. 
Minimum Interest Charge If you are charged interest, the charge will be no less than F5$1.00 . The minimum interest charge will be charged on any dollar amount. 
Paying Interest We will begin charging interest on purchases, cash advances, and balance transfers on the transaction date. To learn more about factors to consider when applying for or using a 
For Credit Card Tips from the Federal credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. 
Reserve Board 

Transaction Fees 
-Cash Advance Fee F6 or F72.00%$10.00 of the amount of each cash advance, whichever is greater (Maximum Fee: F8$50.00 ) 
-Foreign Transaction Fee F9 of each multiple currency transaction in U.S. dollars 1.00% 
F10 of each single currency transaction in U.S. dollars 
0.80% 
Penalty Fees 
-Late Payment Fee Up to F11$25.00 
-Returned Payment Fee Up to F12$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 F13$25.00 or the amount of the required minimum payment, whichever is less. Returned Payment Fee F14$25.00 or the amount of the required minimum payment, whichever is less. Statement Copy Fee F15
$3.00 
Document Copy Fee F16
$3.00 
Rush Fee F17


$35.00 
Card Replacement Fee F18

$10.00 
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 F1913.40% which is a monthly periodic rate of F201.1166% 
The Cash Advance APR is F21 which is a monthly periodic rate of F22 
13.40% 1.1166% The Balance Transfer APR is F2313.40% which is a monthly periodic rate of F24
1.1166% 
�CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED DFLRH1 (MXC450 CCM001)-e 
The ANNUAL PERCENTAGE RATE is subject to change 1st day of each calendar quarter to reflect any change in the Index and will be determined by the Prime Rate on the 10th day of the previous month of each calendar 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 17.90%. 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 F2510.15% above the Index. Cash advances will be charged at F2610.15% above the Index. Balance transfers will be charged at F2710.15% above the Index. 
DFLRH1 (MXC450 CCM001)-e 

904.354.8537 � 800.342.8416 
VISA PLATINUM
F1

www.CommunityFirstFL.org 
CREDIT CARD ACCOUNT OPENING DISCLOSURE 

Annual Percentage Rate (APR) for 
F2
11.40%
Purchases 
This APR will vary with the market based on the Prime Rate. 
APR for Cash Advances F311.40% 
This APR will vary with the market based on the Prime Rate. 
APR for Balance Transfers F411.40% 
This APR will vary with the market based on the Prime Rate. 
Minimum Interest Charge If you are charged interest, the charge will be no less than F5$1.00 . The minimum interest charge will be charged on any dollar amount. 
Paying Interest We will begin charging interest on purchases, cash advances, and balance transfers on the transaction date. To learn more about factors to consider when applying for or using a
For Credit Card Tips from the Federal credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. 
Reserve Board 

Transaction Fees 
-Cash Advance Fee F6 or F72.00%$10.00 of the amount of each cash advance, whichever is greater (Maximum Fee: F8$50.00 ) 
-Foreign Transaction Fee F9 of each multiple currency transaction in U.S. dollars 1.00% 
F10 of each single currency transaction in U.S. dollars 
0.80% 
Penalty Fees 
-Late Payment Fee Up to F11$25.00 
-Returned Payment Fee Up to F12$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 F13$25.00 or the amount of the required minimum payment, whichever is less. Returned Payment Fee F14$25.00 or the amount of the required minimum payment, whichever is less. Statement Copy Fee F15
$3.00 
Document Copy Fee F16
$3.00 
Rush Fee F17


$35.00 
Card Replacement Fee F18

$10.00 
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 F1911.40% which is a monthly periodic rate of F200.9500% 
The Cash Advance APR is F21 which is a monthly periodic rate of F22 
11.40% 0.9500% The Balance Transfer APR is F2311.40% which is a monthly periodic rate of F24
0.9500% 
�CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED DFLRH1 (MXC450 CCM001)-e 
The ANNUAL PERCENTAGE RATE is subject to change 1st day of each calendar quarter to reflect any change in the Index and will be determined by the Prime Rate on the 10th day of the previous month of each calendar 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 17.90%. 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 F258.15% above the Index. Cash advances will be charged at F268.15% above the Index. Balance transfers will be charged at F278.15% above the Index. 
DFLRH1 (MXC450 CCM001)-e 

904.354.8537 � 800.342.8416 
VISA PLATINUM
F1

www.CommunityFirstFL.org 
CREDIT CARD ACCOUNT OPENING DISCLOSURE 

Annual Percentage Rate (APR) for 
F2
8.90%
Purchases 
This APR will vary with the market based on the Prime Rate. 
APR for Cash Advances F38.90% 
This APR will vary with the market based on the Prime Rate. 
APR for Balance Transfers F48.90% 
This APR will vary with the market based on the Prime Rate. 
Minimum Interest Charge If you are charged interest, the charge will be no less than F5$1.00 . The minimum interest charge will be charged on any dollar amount. 
Paying Interest We will begin charging interest on purchases, cash advances, and balance transfers on the transaction date. To learn more about factors to consider when applying for or using a
For Credit Card Tips from the Federal credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. 
Reserve Board 

Transaction Fees 
-Cash Advance Fee F6 or F72.00%$10.00 of the amount of each cash advance, whichever is greater (Maximum Fee: F8$50.00 ) 
-Foreign Transaction Fee F9 of each multiple currency transaction in U.S. dollars 1.00% 
F10 of each single currency transaction in U.S. dollars 
0.80% 
Penalty Fees 
-Late Payment Fee Up to F11$25.00 
-Returned Payment Fee Up to F12$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 F13$25.00 or the amount of the required minimum payment, whichever is less. Returned Payment Fee F14$25.00 or the amount of the required minimum payment, whichever is less. Statement Copy Fee F15
$3.00 
Document Copy Fee F16
$3.00 
Rush Fee F17


$35.00 
Card Replacement Fee F18

$10.00 
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 F198.90% which is a monthly periodic rate of F200.7416% 
The Cash Advance APR is F21 which is a monthly periodic rate of F22 
8.90% 0.7416% The Balance Transfer APR is F238.90% which is a monthly periodic rate of F24
0.7416% 
�CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED DFLRH1 (MXC450 CCM001)-e 
The ANNUAL PERCENTAGE RATE is subject to change 1st day of each calendar quarter to reflect any change in the Index and will be determined by the Prime Rate on the 10th day of the previous month of each calendar 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 17.90%. 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 F255.65% above the Index. Cash advances will be charged at F265.65% above the Index. Balance transfers will be charged at F275.65% above the Index. 
DFLRH1 (MXC450 CCM001)-e 


VISA PLATINUM 
F1
CREDIT CARD ACCOUNT OPENING DISCLOSURE 
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. 

Annual Percentage Rate (APR) for 
F2
7.90%
Purchases 
This APR will vary with the market based on the Prime Rate. 
APR for Cash Advances F37.90% 
This APR will vary with the market based on the Prime Rate. 
APR for Balance Transfers F47.90% 
This APR will vary with the market based on the Prime Rate. 
Minimum Interest Charge If you are charged interest, the charge will be no less than F5$1.00 . The minimum interest charge will be charged on any dollar amount. 
Paying Interest We will begin charging interest on purchases, cash advances, and balance transfers on the transaction date. To learn more about factors to consider when applying for or using a
For Credit Card Tips from the Federal credit card, visit the Web site of the Federal Reserve Board at http://www.federalreserve.gov/creditcard. 
Reserve Board 

Transaction Fees 
-Cash Advance Fee F6 or F72.00%$10.00 of the amount of each cash advance, whichever is greater (Maximum Fee: F8$50.00 ) 
-Foreign Transaction Fee F9 of each multiple currency transaction in U.S. dollars 1.00% 
F10 of each single currency transaction in U.S. dollars 
0.80% 
Penalty Fees 
-Late Payment Fee Up to F11$25.00 
-Returned Payment Fee Up to F12$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 F13$25.00 or the amount of the required minimum payment, whichever is less. Returned Payment Fee F14 or the amount of the required minimum payment, whichever 


$25.00 
is less. Statement Copy Fee F15

$3.00 
Document Copy Fee F16
$3.00 
Rush Fee F17
$35.00 
Card Replacement Fee F18

$10.00 
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 F19 which is a monthly periodic rate of F20 %
7.90% 0.6583& 
The Cash Advance APR is F21 which is a monthly periodic rate of F22 %

7.90% 0.6583& 
The Balance Transfer APR is F23 which is a monthly periodic rate of F24 %

7.90% 0.6583& 
�CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED DFLRH1 (MXC450 CCM001)-e 
SEE BACK OF PAGE for more important information about your account. 
The ANNUAL PERCENTAGE RATE is subject to change 1st day of each calendar quarter to reflect any change in the Index and will be determined by the Prime Rate on the 10th day of the previous month of each calendar 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 17.90%. 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 F254.65% above the Index. Cash advances will be charged at F264.65% above the Index. Balance transfers will be charged at F274.65% above the Index. 
DFLRH1 (MXC450 CCM001)-e