�CUNA Mutual Group 2009,  10, 12 All Rights Reserved DMIGD3 (MXC453 CCM002)-e  
SEE BACK OF PAGE for more important information about your account.  
 
 
 
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. 
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases  F2             
APR for Balance Transfers  F3             
APR for Cash Advances  F4             
Penalty APR and When it Applies  F5             
Paying Interest  Your due date is at least 25  days after the cl ose 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.  
For Cred it Card Tips from the Consumer 
Financial Protection Bureau  To learn more about factors to consider when applying for or 
using a credit card, visit the web site of the Consumer Financial 
Protection Bureau  at http://www. consumerfinance.gov/learnmore . 
Fees 
Set-up and Maintenance Fees   
- Annual Fee  F6             
- Account Set -up Fee  F7             
- Program Fee  F8             
- Participation Fee  F9             
- Additional Card Fee  F10           
- Application Fee  F11           
Transaction  Fees   
- Balance Transfer Fee  F12           
- Cash Advance Fee  F13           of the amount of each cash advance  
- Foreign Transaction Fee  F14           of each transaction in U.S. dollars  
- Transaction Fee for Purchases  F15           
Penalty  Fees   
- Late Payment  Fee Up to F16            
- Returned Payment Fee  Up to F17           
 
How We Will Calculate Your Balance:  We use a method called � average daily bal ance (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 F18           or the amount of the required minimum payment, whichever 
is less, if you are five (5) or more days late in making a payment. 
Returned Payment Fee F19           or the amount of the required minimum payment, whichever 
is less. 
Statement Copy Fee F20           
Document Copy Fee F21           
Rush Fee F22           
Emergency Card Replacement Fee F23           
PIN Replacement Fee F24           
Card Replacement Fee F25           
Express Shipping Fee F26             
 DMIGD3 (MXC453 CCM002)-e  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 F27           which is a daily periodic rate of F28           . 
The Balance Transfer APR is F29           which is a daily periodic rate of F30           . 
The Cash Advance APR is F31           which is a daily periodic rate of F32           .