Charter Oak Federal Credit Union  � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  00607254 -MXC20 -P-1-051517 (MXC201 -E) CREDIT CARD  
ACCOUNT 
OPENING DISCLOSURE 
VISA PLATINUM VARIABLE 
This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement &  Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.  
Interest Rates and Interest Charges  
Annual Percentage Rate (APR) for 
Purchases 9.25% 
This A PR will vary with th e market bas ed on th e Prime Rate. 
APR for Balance Transfers  9.25% 
This A PR will vary with th e market bas ed on th e Prime Rate. 
APR for Cash Advances 9.25% 
This A PR will vary with th e market bas ed on th e Prime Rate. 
Paying Interest  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. 
For Credit 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 website of the Consumer Financial Protection 
Bureau at  http://www.consumerfinance.gov/learnmore.  
Fees  
Transaction Fees  
-Balance Transfer Fee
-Cash Advance Fee
-Foreign Transaction FeeNone None 1.00% of each transaction in U.S. dollars 
Penalty Fees  
-Late Payment Fee
-Returned Payment  FeeUp to $25.00 
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. 
Military Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). 
Other Fees & Disclosur
es: 
Late Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less, if You are one or more days late in making a payment. 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 this Disclosure. 
         SEE NEXT PAGE for  more important information about Your Account. 
 Chart er Oak Federal Credit Union  � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved  00607254 -MXC20 -P-1-051517 (MXC201 -E) Returne d Payment F ee: 
$25.00 or t he amount of t he required minimum pa yment, whichever is  less. If Your A ccount is s ubject to a Returned 
Payment Fee, the f ee will b e charged t o Your A ccount w hen a payment is r eturned for an y reason. 
Card Replacement F ee: 
$25.00. If Your A ccount is s ubject to a Car d Replacement F ee, a f ee will be charged for eac h replacement C ard that i s 
issued t o You for an y reaso n. 
Rush Fee: 
$25.00. If Your Account is s ubject to a Rush Fee, except as l imited by a pplicable law, a fee may b e charged t o Your 
Account f or each rush Card th at You request, providing that de livery of the Card is als o available by s tandar d mail s ervice, 
without paying a fee for d elivery. 
Collection Co sts: 
For C onnecticut Borrowers : You agr ee to pay all c osts of c ollecting the amount You o we un der this A greement, 
including reasonable attorney's f ees not i n excess of 15.0 0% of an y judgment an d all court c osts. 
For A ll Other Borrowers : You agree to pay a ll costs of collecting t he amount You owe un der this A greement, including 
court c osts and reasonable at torney's f ees. 
Periodic Rates: 
The Purc hase APR is 9.25% which is a daily periodic rate of 0.0253%. 
The Balance Transfer APR is 9.25% which is a daily periodic rate of 0.0253%. 
The Cash Advance APR is 9.25% which is a daily periodic rate of 0.0253%. 
Variable Rate: 
The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change 
on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on 
first Tuesday of January, April, July, and October of each year, to which We add a margin. The ANNUAL PERCENTAGE 
RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in 
the amount of the interest You will pay, may increase Your minimum payment, and may increase the number of payments 
to pay off Your balance. 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 c harged at 6.00% above the Index. 
Balance Transfers will be charged at Cash Advances will be charged at 6.00% above the Index. 6.00% above the Index.