�CUNA Mutual Group 2009, 10, 12 All Rights Reserved DNMFN1 (MXC452 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             This APR will vary with the market based on the Prime Rate. 
APR for Balance Transfers F3             This APR will vary with the market based on the Prime Rate. 
APR for Cash Advances F4             This APR will vary with the market based on the 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  
- Foreign Transaction Fee F5          of each transaction in U.S. dollars 
Penalty Fees  
- Late Payment Fee Up to F6              
- Returned Payment Fee Up to F7             
 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 F8          or the amount of the required minimum payment, whichever is less, if you are one (1) or more days late in making a payment. Returned Payment Fee F9          or the amount of the required minimum payment, whichever is less. Pay-by-Phone Fee F10           Collection Costs. You agree to pay all costs of collecting the am ount you owe under this Agreement, including court costs and reasonable attorney's fees.  Periodic Rates. The Purchase APR is F11        which is a daily periodic rate of F12           The Balance Transfer APR is F13        which is a daily periodic rate of F14           The Cash Advance APR is F15        which is a daily periodic rate of F16           Variable Rate. The ANNUAL PERCENTAGE RATE is subject to change on the firs t day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on the third Tuesday of February, May, August, and November 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 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Paym ents on the statement. If the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.   DNMFN1 (MXC452 CCM00)-e   Margin. Purchases will be charged at F17        above the Index. Balance transfers will be charged at F18        above the Index. Cash advances will be charged at F19        above the Index.