CREDIT CARD ACCOUNT OPENING DISCLOSURE 

F1             

This Disclosure 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 

F2             
F3             Introductory APR for a period of six billing cycles.  

After that your APR will be F4             .  
F5             
Your due date is at least 25 days after the close of each billing cycle. 
We will not charge you any interest on purchases and balance transfers 
if you pay your entire balance by the due date each month. We will 
begin charging interest on cash advances 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 
-  Balance Transfer Fee 
-  Cash Advance Fee 
-  Foreign Transaction Fee 

Penalty Fees 
-  Late Payment Fee 
-  Returned Payment Fee 

F6             

F7             
F8             
F9             of each multiple currency transaction in U.S. dollars 
F10           of each single currency transaction in U.S. dollars 

Up to F11            
Up to F12           

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See 
your account Agreement for more details. 

Promotional Period for Introductory APR: The Introductory APR for balance transfers will apply to transactions posted 
to your account from F13                           , until F14                           .  

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 

Returned Payment Fee 

Returned Convenience Check Fee 

Statement Copy Fee 
Rush Fee 
Card Replacement Fee 

F15           or the amount of the required minimum payment, whichever 
is less, if you are three or more days late in making a payment. 
F16           or the amount of the required minimum payment, whichever 
is less. 
F17           or the amount of the returned convenience check, whichever 
is less. 
F18           
F19           
F20           

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

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SEE NEXT PAGE for more important information about your account. 

 
 
 
 
     
 
 
 
 
 
 
 
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 F21           which is a monthly periodic rate of F22           . 
The Introductory Balance Transfer APR is F23           which is a monthly periodic rate of F24           . 
The Balance Transfer APR is F25           which is a monthly periodic rate of F26           . 
The Cash Advance APR is F27           which is a monthly periodic rate of F28           . 

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