b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA CLASSIC\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to BCS Community Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d\nrefers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means\nthe line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n10502022-MXC30-P-1-081717 (MXC303-E)\n\n\x0caccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 3.00% of Your total New Balance, or $10.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$10.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder\xe2\x80\x99s\ncountry code differs from the merchant\xe2\x80\x99s country code. A fee (finance charge) will be charged on all transactions\ncompleted in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S.\nPage 2 of 6\n10502022-MXC30-P-1-081717 (MXC303-E)\n\n\x0cdollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure\naccompanying this Agreement.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at 4203 Wadsworth\nBlvd, Wheat Ridge, CO, 80033 or call Us at (800) 991-4961, seven days a week 24 hours a day or (877) 862-2728,\nMonday through Friday 8:00 a.m. to 5:00 p.m. Mountain Time.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nPage 3 of 6\n10502022-MXC30-P-1-081717 (MXC303-E)\n\n\x0cCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nColorado.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\nPage 4 of 6\n10502022-MXC30-P-1-081717 (MXC303-E)\n\n\x0c29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n10502022-MXC30-P-1-081717 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n10502022-MXC30-P-1-081717 (MXC303-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nLIGHTNING CREDIT CARD\nWORLD MASTERCARD/MASTERCARD\nMASTERCARD SECURED\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nSEFCU Lightning Credit Card\n\n11.24% to 16.24%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nSEFCU World Mastercard\n\n9.24%\nThis APR will vary with the market based on the Prime Rate.\nSEFCU Mastercard\n\n8.24% to 16.24%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nSEFCU Mastercard Secured\n\n6.25%\nThis APR will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nSEFCU Lightning Credit Card\n11.24% to 16.24%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nSEFCU World Mastercard\n9.24%\nThis APR will vary with the market based on the Prime Rate.\nSEFCU Mastercard\n8.24% to 16.24%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nSEFCU Mastercard Secured\n6.25%\nThis APR will vary with the market based on the Prime Rate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03100017-MXC10-C-1-112017 (MXC101-E)\n\n\x0cAPR for Cash Advances\n\nSEFCU Lightning Credit Card\n13.24% to 17.99% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nSEFCU World Mastercard\n11.24%\nThis APR will vary with the market based on the Prime Rate.\nSEFCU Mastercard\n10.24% to 17.99%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nSEFCU Mastercard Secured\n8.25%\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When it Applies\n\nNone\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nNone\nNone\nNone\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nEffective Date: The information about the costs of the card described in this application is accurate as of: July 1, 2020\nThis information may have changed after that date. To find out what may have changed, contact the credit union.\n\n.\n\nFor California Borrowers, the SEFCU Lightning Credit Card, SEFCU World Mastercard, SEFCU Mastercard and\nSEFCU Mastercard Secured are secured credit cards. Credit extended under this credit card account is secured\nby various personal property and money including, but not limited to: (a) any goods you purchase with this\naccount, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c)\nall shares you have in any individual or joint account with the credit union excluding shares in an Individual\nRetirement Account or in any other account that would lose special tax treatment under state or federal law, and\n(d) collateral securing other loans you have with the credit union excluding dwellings. Notwithstanding the\nforegoing, you acknowledge and agree that during any periods when you are a covered borrower under the\nMilitary Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be\nsecured by all shares you have in any individual or joint account with the credit union. For clarity, you will not be\ndeemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower;\nor (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee: $25.00 or 5.00% of the amount of the required minimum payment, whichever is less if you are 15 or\nmore days late in making a payment.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.\n\nMastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03100017-MXC10-C-1-112017 (MXC101-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nSEFCU LIGHTNING CREDIT CARD B\nThis document is incorporated into and becomes part of your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n13.24%\nThis APR will vary with the market based on the Prime Rate.\n13.24%\nThis APR will vary with the market based on the Prime Rate.\n15.24%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nFor California Borrowers, this credit card is a secured credit card. Credit extended under this credit card account\nis secured by various personal property and money including, but not limited to: (a) any goods you purchase\nwith this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of\nShares, (c) all shares you have in any individual or joint account with the credit union excluding shares in an\nIndividual Retirement Account or in any other account that would lose special tax treatment under state or\nfederal law, and (d) collateral securing other loans you have with the credit union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the credit union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nSEE NEXT PAGE for more important information about your account.\nI003575\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0cproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nTo receive this notice verbally, please call (800) 727-3328 during our normal business hours.\nOther Fees & Disclosures:\nLate Payment Fee: $25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 or\nmore days late in making a payment. If your account is subject to a Late Payment Fee, the fee will be charged to your\naccount when you do not make the required minimum payment by or within the number of days of the statement Payment\nDue Date set forth on this Disclosure.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. If your account is\nsubject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.\nCollection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court\ncosts and reasonable attorney fees.\nPeriodic Rates:\nThe Purchase APR is 13.24% which is a monthly periodic rate of 1.1033%.\nThe Balance Transfer APR is 13.24% which is a monthly periodic rate of 1.1033%.\nThe Cash Advance APR is 15.24% which is a monthly periodic rate of 1.2700%.\nVariable Rate: The ANNUAL PERCENTAGE RATE is subject to change quarterly to reflect any change in the Index and\nwill be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July and\nOctober) as published in The Wall Street Journal \xe2\x80\x9cMoney Rates\xe2\x80\x9d table to which we add a margin. The ANNUAL\nPERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take\nthe form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available,\nthe credit union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 9.99% above the Index.\nBalance Transfers will be charged at 9.99% above the Index.\nCash Advances will be charged at 11.99% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nI003575\n\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nWORLD MASTERCARD C prior to 2/19/18\nThis document is incorporated into and becomes part of your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n13.24%\nThis APR will vary with the market based on the Prime Rate.\n13.24%\nThis APR will vary with the market based on the Prime Rate.\n15.24%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nFor California Borrowers, this credit card is a secured credit card. Credit extended under this credit card account\nis secured by various personal property and money including, but not limited to: (a) any goods you purchase\nwith this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of\nShares, (c) all shares you have in any individual or joint account with the credit union excluding shares in an\nIndividual Retirement Account or in any other account that would lose special tax treatment under state or\nfederal law, and (d) collateral securing other loans you have with the credit union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the credit union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0cproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nTo receive this notice verbally, please call (800) 727-3328 during our normal business hours.\nOther Fees & Disclosures:\nLate Payment Fee: $25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 or\nmore days late in making a payment. If your account is subject to a Late Payment Fee, the fee will be charged to your\naccount when you do not make the required minimum payment by or within the number of days of the statement Payment\nDue Date set forth on this Disclosure.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. If your account is\nsubject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.\nCollection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court\ncosts and reasonable attorney fees.\nPeriodic Rates:\nThe Purchase APR is 13.24% which is a monthly periodic rate of 1.1033%.\nThe Balance Transfer APR is 13.24% which is a monthly periodic rate of 1.1033%.\nThe Cash Advance APR is 15.24% which is a monthly periodic rate of 1.2700%.\nVariable Rate: The ANNUAL PERCENTAGE RATE is subject to change quarterly to reflect any change in the Index and\nwill be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July and\nOctober) as published in The Wall Street Journal \xe2\x80\x9cMoney Rates\xe2\x80\x9d table to which we add a margin. The ANNUAL\nPERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take\nthe form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available,\nthe credit union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 9.99% above the Index.\nBalance Transfers will be charged at 9.99% above the Index.\nCash Advances will be charged at 11.99% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nWORLD MASTERCARD A prior to 2/19/18\nThis document is incorporated into and becomes part of your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n8.24%\nThis APR will vary with the market based on the Prime Rate.\n8.24%\nThis APR will vary with the market based on the Prime Rate.\n10.24%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nFor California Borrowers, this credit card is a secured credit card. Credit extended under this credit card account\nis secured by various personal property and money including, but not limited to: (a) any goods you purchase\nwith this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of\nShares, (c) all shares you have in any individual or joint account with the credit union excluding shares in an\nIndividual Retirement Account or in any other account that would lose special tax treatment under state or\nfederal law, and (d) collateral securing other loans you have with the credit union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the credit union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0cproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nTo receive this notice verbally, please call (800) 727-3328 during our normal business hours.\nOther Fees & Disclosures:\nLate Payment Fee: $25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 or\nmore days late in making a payment. If your account is subject to a Late Payment Fee, the fee will be charged to your\naccount when you do not make the required minimum payment by or within the number of days of the statement Payment\nDue Date set forth on this Disclosure.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. If your account is\nsubject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.\nCollection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court\ncosts and reasonable attorney fees.\nPeriodic Rates:\nThe Purchase APR is 8.24% which is a monthly periodic rate of 0.6867%.\nThe Balance Transfer APR is 8.24% which is a monthly periodic rate of 0.6867%.\nThe Cash Advance APR is 10.24% which is a monthly periodic rate of 0.8533%.\nVariable Rate: The ANNUAL PERCENTAGE RATE is subject to change quarterly to reflect any change in the Index and\nwill be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July and\nOctober) as published in The Wall Street Journal \xe2\x80\x9cMoney Rates\xe2\x80\x9d table to which we add a margin. The ANNUAL\nPERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take\nthe form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available,\nthe credit union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 4.99% above the Index.\nBalance Transfers will be charged at 4.99% above the Index.\nCash Advances will be charged at 6.99% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nMASTERCARD SECURED\nThis document is incorporated into and becomes part of your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n6.25%\nThis APR will vary with the market based on the Prime Rate.\n6.25%\nThis APR will vary with the market based on the Prime Rate.\n8.25%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nFor California Borrowers, this credit card is a secured credit card. Credit extended under this credit card account\nis secured by various personal property and money including, but not limited to: (a) any goods you purchase\nwith this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of\nShares, (c) all shares you have in any individual or joint account with the credit union excluding shares in an\nIndividual Retirement Account or in any other account that would lose special tax treatment under state or\nfederal law, and (d) collateral securing other loans you have with the credit union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the credit union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nSEE NEXT PAGE for more important information about your account.\nI003556\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0cproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nTo receive this notice verbally, please call (800) 727-3328 during our normal business hours.\nOther Fees & Disclosures:\nLate Payment Fee: $25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 or\nmore days late in making a payment. If your account is subject to a Late Payment Fee, the fee will be charged to your\naccount when you do not make the required minimum payment by or within the number of days of the statement Payment\nDue Date set forth on this Disclosure.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. If your account is\nsubject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.\nCollection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court\ncosts and reasonable attorney fees.\nPeriodic Rates:\nThe Purchase APR is 6.25% which is a monthly periodic rate of 0.5208%.\nThe Balance Transfer APR is 6.25% which is a monthly periodic rate of 0.5208%.\nThe Cash Advance APR is 8.25% which is a monthly periodic rate of 0.6875%.\nVariable Rate: The ANNUAL PERCENTAGE RATE is subject to change quarterly to reflect any change in the Index and\nwill be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July and\nOctober) as published in The Wall Street Journal \xe2\x80\x9cMoney Rates\xe2\x80\x9d table to which we add a margin. The ANNUAL\nPERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take\nthe form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available,\nthe credit union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 3.00% above the Index.\nBalance Transfers will be charged at 3.00% above the Index.\nCash Advances will be charged at 5.00% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nI003556\n\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nMASTERCARD C\nThis document is incorporated into and becomes part of your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n13.24%\nThis APR will vary with the market based on the Prime Rate.\n13.24%\nThis APR will vary with the market based on the Prime Rate.\n15.24%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nFor California Borrowers, this credit card is a secured credit card. Credit extended under this credit card account\nis secured by various personal property and money including, but not limited to: (a) any goods you purchase\nwith this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of\nShares, (c) all shares you have in any individual or joint account with the credit union excluding shares in an\nIndividual Retirement Account or in any other account that would lose special tax treatment under state or\nfederal law, and (d) collateral securing other loans you have with the credit union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the credit union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nSEE NEXT PAGE for more important information about your account.\nI003554\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0cproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nTo receive this notice verbally, please call (800) 727-3328 during our normal business hours.\nOther Fees & Disclosures:\nLate Payment Fee: $25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 or\nmore days late in making a payment. If your account is subject to a Late Payment Fee, the fee will be charged to your\naccount when you do not make the required minimum payment by or within the number of days of the statement Payment\nDue Date set forth on this Disclosure.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. If your account is\nsubject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.\nCollection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court\ncosts and reasonable attorney fees.\nPeriodic Rates:\nThe Purchase APR is 13.24% which is a monthly periodic rate of 1.1033%.\nThe Balance Transfer APR is 13.24% which is a monthly periodic rate of 1.1033%.\nThe Cash Advance APR is 15.24% which is a monthly periodic rate of 1.2700%.\nVariable Rate: The ANNUAL PERCENTAGE RATE is subject to change quarterly to reflect any change in the Index and\nwill be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July and\nOctober) as published in The Wall Street Journal \xe2\x80\x9cMoney Rates\xe2\x80\x9d table to which we add a margin. The ANNUAL\nPERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take\nthe form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available,\nthe credit union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 9.99% above the Index.\nBalance Transfers will be charged at 9.99% above the Index.\nCash Advances will be charged at 11.99% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nI003554\n\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nMASTERCARD A\nThis document is incorporated into and becomes part of your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n8.24%\nThis APR will vary with the market based on the Prime Rate.\n8.24%\nThis APR will vary with the market based on the Prime Rate.\n10.24%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nFor California Borrowers, this credit card is a secured credit card. Credit extended under this credit card account\nis secured by various personal property and money including, but not limited to: (a) any goods you purchase\nwith this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of\nShares, (c) all shares you have in any individual or joint account with the credit union excluding shares in an\nIndividual Retirement Account or in any other account that would lose special tax treatment under state or\nfederal law, and (d) collateral securing other loans you have with the credit union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the credit union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nSEE NEXT PAGE for more important information about your account.\nI003552\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0cproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nTo receive this notice verbally, please call (800) 727-3328 during our normal business hours.\nOther Fees & Disclosures:\nLate Payment Fee: $25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 or\nmore days late in making a payment. If your account is subject to a Late Payment Fee, the fee will be charged to your\naccount when you do not make the required minimum payment by or within the number of days of the statement Payment\nDue Date set forth on this Disclosure.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. If your account is\nsubject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.\nCollection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court\ncosts and reasonable attorney fees.\nPeriodic Rates:\nThe Purchase APR is 8.24% which is a monthly periodic rate of 0.6867%.\nThe Balance Transfer APR is 8.24% which is a monthly periodic rate of 0.6867%.\nThe Cash Advance APR is 10.24% which is a monthly periodic rate of 0.8533%.\nVariable Rate: The ANNUAL PERCENTAGE RATE is subject to change quarterly to reflect any change in the Index and\nwill be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July and\nOctober) as published in The Wall Street Journal \xe2\x80\x9cMoney Rates\xe2\x80\x9d table to which we add a margin. The ANNUAL\nPERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take\nthe form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available,\nthe credit union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 4.99% above the Index.\nBalance Transfers will be charged at 4.99% above the Index.\nCash Advances will be charged at 6.99% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nI003552\n\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nWORLD MASTERCARD A\nThis document is incorporated into and becomes part of your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n9.24%\nThis APR will vary with the market based on the Prime Rate.\n9.24%\nThis APR will vary with the market based on the Prime Rate.\n11.24%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nFor California Borrowers, this credit card is a secured credit card. Credit extended under this credit card account\nis secured by various personal property and money including, but not limited to: (a) any goods you purchase\nwith this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of\nShares, (c) all shares you have in any individual or joint account with the credit union excluding shares in an\nIndividual Retirement Account or in any other account that would lose special tax treatment under state or\nfederal law, and (d) collateral securing other loans you have with the credit union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the credit union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nSEE NEXT PAGE for more important information about your account.\nI003557\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0cproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nTo receive this notice verbally, please call (800) 727-3328 during our normal business hours.\nOther Fees & Disclosures:\nLate Payment Fee: $25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 or\nmore days late in making a payment. If your account is subject to a Late Payment Fee, the fee will be charged to your\naccount when you do not make the required minimum payment by or within the number of days of the statement Payment\nDue Date set forth on this Disclosure.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. If your account is\nsubject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.\nCollection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court\ncosts and reasonable attorney fees.\nPeriodic Rates:\nThe Purchase APR is 9.24% which is a monthly periodic rate of 0.7700%.\nThe Balance Transfer APR is 9.24% which is a monthly periodic rate of 0.7700%.\nThe Cash Advance APR is 11.24% which is a monthly periodic rate of 0.9367%.\nVariable Rate: The ANNUAL PERCENTAGE RATE is subject to change quarterly to reflect any change in the Index and\nwill be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July and\nOctober) as published in The Wall Street Journal \xe2\x80\x9cMoney Rates\xe2\x80\x9d table to which we add a margin. The ANNUAL\nPERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take\nthe form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available,\nthe credit union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 5.99% above the Index.\nBalance Transfers will be charged at 5.99% above the Index.\nCash Advances will be charged at 7.99% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nI003557\n\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nWORLD MASTERCARD B prior to 2/19/18\nThis document is incorporated into and becomes part of your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n10.24%\nThis APR will vary with the market based on the Prime Rate.\n10.24%\nThis APR will vary with the market based on the Prime Rate.\n12.24%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nFor California Borrowers, this credit card is a secured credit card. Credit extended under this credit card account\nis secured by various personal property and money including, but not limited to: (a) any goods you purchase\nwith this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of\nShares, (c) all shares you have in any individual or joint account with the credit union excluding shares in an\nIndividual Retirement Account or in any other account that would lose special tax treatment under state or\nfederal law, and (d) collateral securing other loans you have with the credit union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the credit union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0cproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nTo receive this notice verbally, please call (800) 727-3328 during our normal business hours.\nOther Fees & Disclosures:\nLate Payment Fee: $25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 or\nmore days late in making a payment. If your account is subject to a Late Payment Fee, the fee will be charged to your\naccount when you do not make the required minimum payment by or within the number of days of the statement Payment\nDue Date set forth on this Disclosure.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. If your account is\nsubject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.\nCollection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court\ncosts and reasonable attorney fees.\nPeriodic Rates:\nThe Purchase APR is 10.24% which is a monthly periodic rate of 0.8533%.\nThe Balance Transfer APR is 10.24% which is a monthly periodic rate of 0.8533%.\nThe Cash Advance APR is 12.24% which is a monthly periodic rate of 1.0200%.\nVariable Rate: The ANNUAL PERCENTAGE RATE is subject to change quarterly to reflect any change in the Index and\nwill be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July and\nOctober) as published in The Wall Street Journal \xe2\x80\x9cMoney Rates\xe2\x80\x9d table to which we add a margin. The ANNUAL\nPERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take\nthe form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available,\nthe credit union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 6.99% above the Index.\nBalance Transfers will be charged at 6.99% above the Index.\nCash Advances will be charged at 8.99% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nSEFCU LIGHTNING CREDIT CARD A\nThis document is incorporated into and becomes part of your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\n11.24%\nThis APR will vary with the market based on the Prime Rate.\n11.24%\nThis APR will vary with the market based on the Prime Rate.\n13.24%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nNone\nNone\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nFor California Borrowers, this credit card is a secured credit card. Credit extended under this credit card account\nis secured by various personal property and money including, but not limited to: (a) any goods you purchase\nwith this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of\nShares, (c) all shares you have in any individual or joint account with the credit union excluding shares in an\nIndividual Retirement Account or in any other account that would lose special tax treatment under state or\nfederal law, and (d) collateral securing other loans you have with the credit union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the credit union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and\ntheir dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the\nArmed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nSEE NEXT PAGE for more important information about your account.\nI003574\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0cproducts sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nTo receive this notice verbally, please call (800) 727-3328 during our normal business hours.\nOther Fees & Disclosures:\nLate Payment Fee: $25.00 or 5.00% of the amount of the required minimum payment, whichever is less, if you are 15 or\nmore days late in making a payment. If your account is subject to a Late Payment Fee, the fee will be charged to your\naccount when you do not make the required minimum payment by or within the number of days of the statement Payment\nDue Date set forth on this Disclosure.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less. If your account is\nsubject to a Returned Payment Fee, the fee will be charged to your account when a payment is returned for any reason.\nCollection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including court\ncosts and reasonable attorney fees.\nPeriodic Rates:\nThe Purchase APR is 11.24% which is a monthly periodic rate of 0.9367%.\nThe Balance Transfer APR is 11.24% which is a monthly periodic rate of 0.9367%.\nThe Cash Advance APR is 13.24% which is a monthly periodic rate of 1.1033%.\nVariable Rate: The ANNUAL PERCENTAGE RATE is subject to change quarterly to reflect any change in the Index and\nwill be determined by the Prime Rate 45 days prior to the first day of each calendar quarter (January, April, July and\nOctober) as published in The Wall Street Journal \xe2\x80\x9cMoney Rates\xe2\x80\x9d table to which we add a margin. The ANNUAL\nPERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will take\nthe form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available,\nthe credit union will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 7.99% above the Index.\nBalance Transfers will be charged at 7.99% above the Index.\nCash Advances will be charged at 9.99% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nI003574\n\n03100017-MXC20-C-1-112017 (MXC201-E)\n\n\x0c'