VISA PLATINUM AND VISA PLATINUM REWARDS
                                                CONSUMER CREDIT CARD AGREEMENT
        In this Agreement, �Agreement� means this Consumer Credit Card Agreement. �Disclosure� means the Credit Card
        Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card
        Agreement and is part of the Agreement. In this Agreement the words "you," �your,� and "yours" mean each and all
        of those who agree to be bound by this Agreement; "card" means the Visa credit card and any duplicates,
        renewals, or substitutions the Credit Union issues to you; "account" means your Visa credit card line-of-credit
        account with the Credit Union; and "Credit Union" means the Credit Union whose name appears on this Agreement
        or anyone to whom the Credit Union transfers this Agreement.
        1. USING YOUR ACCOUNT � If you are approved for an account, the Credit Union will establish a line of credit
        for you. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus
        "other charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the
        Credit Union will not allow advances over the credit limit. If the Credit Union has a program whereby it allows
        payment of advances that exceed your credit limit, the Credit Union will provide you with notice, either orally, in
        writing, or electronically (notwithstanding the requirements of the paragraph entitled �Statements and Notices�)
        explaining your right to opt in to the Credit Union�s program whereby it will honor advance requests over the credit
        limit. In the event you opt in to such a program, you agree to the terms of such a program. You may request an
        increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union may increase or
        decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not
        prohibited by law. If you are permitted to obtain cash advances on your account, we may, from time to time, issue
        convenience checks to you that may be drawn on your account. Convenience checks may not be used to make a
        payment on your account balance. If you use a convenience check, it will be posted to your account as a cash
        advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and
        such refusal shall not constitute wrongful dishonor.
        You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any
        fee imposed to stop a payment on a convenience check issued on your account. You may make a stop payment
        request orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the
        presentment of the check for payment to give us a reasonable opportunity to act on your request. In addition, your
        request must accurately describe the check including the exact account number, the payee, any check number that
        may be applicable, and the exact amount of the check. If permitted, you may make a stop payment request orally
        but such a request will expire after 14 days unless you confirm your request in writing within that time. Written stop
        payment orders are effective only for six (6) months and may be renewed for additional six month periods by
        requesting in writing that the stop payment order be renewed. We are not required to notify you when a stop
        payment order expires. If we re-credit your account after paying a check or draft over a valid and timely stop
        payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of your
        rights against the payee or other holders of the check or draft and to assist us in any legal action. You agree to
        indemnify and hold us harmless from all costs and expenses, including attorney's fees, damages, or claims, related
        to our honoring your stop payment request or in failing to stop payment of an item as a result of incorrect
        information provided to us or the giving of inadequate time to act upon a stop payment request.
        2. USING YOUR CARD � You understand that the use of your credit card will constitute acknowledgement of
        receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure
        (Disclosure). You may use your card to make purchases from merchants and others who accept your card. The
        credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish
        to pay for goods or services over the Internet, you may be required to provide card number security information
        before you will be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit
        Union, from other financial institutions that accept your card, and from some automated teller machines (ATMs).
        (Not all ATMs accept your card.) If the credit union authorizes ATM transactions with your card, it will issue you a
        personal identification number (PIN). To obtain cash advances from an ATM, you must use the PIN issued to you
        for use with your card. You agree that you will not use your card for any transaction that is illegal under applicable
        federal, state, or local law. Even if you use your card for an illegal transaction, you will be responsible for all
        amounts and charges incurred in connection with the transaction. If you are permitted to obtain cash advances on
        your account, you may also use your card to purchase instruments and engage in transactions that we consider the
        equivalent of cash. Such transactions will be posted to your account as cash advances and include, but are not
        limited to, wire transfers, money orders, bets, lottery tickets, and casino gaming chips. This paragraph shall not be
        interpreted as permitting or authorizing any transaction that is illegal.
       �CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED         DCOBZ0 (MXC500 CCM000)
        3. PROMISE TO PAY � You promise to pay all charges (purchases, cash advances, balance transfers, use of
        convenience checks or any other charge) made to your account by you or anyone you authorize to use your
        account. You also promise to pay all finance charges and other charges added to your account under the terms of
        this Agreement or another agreement you made with the Credit Union. If this is a joint account, the paragraph on
        JOINT ACCOUNTS also applies to your account.
        4. PERIODIC RATES � The periodic rates applicable to purchases, cash advances, and balance transfers are
        disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to
        make a payment by the payment due date is also disclosed on the Disclosure. The rate charged on purchases,
        cash advances, balance transfers, and any penalty rate will not vary from month to month unless we notify you in
        advance that the rate(s) will change as required by law. If the rate for your account is variable, as indicated on the
        accompanying Disclosure, the rate charged on purchases, cash advances, balance transfers and any penalty rate
        will vary periodically as disclosed in the Disclosure accompanying this Agreement. The initial rate on your account
        for certain types of transactions may be an introductory discounted rate (Introductory Rate) that is lower than the
        rate that would ordinarily apply for that type of transaction. If an Introductory Rate applies to your account, the rates
        and the period of time it will be effective is shown on the Disclosure accompanying this Agreement. After the
        Introductory Rate period expires, the periodic rate will automatically increase to the rates that would ordinarily apply
        for that type of transaction based on the terms of this Agreement.
        5. FINANCE CHARGES � New purchases posted to your account during a billing cycle will not incur a finance
        charge for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the
        entire new balance on the previous cycle's billing statement by the payment due date of that statement; otherwise a
        finance charge will accrue from the date a purchase is posted to your account. To avoid an additional finance
        charge on the balance of purchases, you must pay the entire new balance on the billing statement by the payment
        due date of that statement. A finance charge begins to accrue on cash advances from the date you get the cash
        advance or from the first day of the billing cycle in which the cash advance is posted to your account, whichever is
        later.
        The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge
        is computed by applying the periodic rate to the average daily balance of purchases. To get the average daily
        balance of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases,
        and subtract any payments and/or credits. This gives us the daily balance of purchases. Then, we add all the daily
        balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle.
        This gives us the average daily balance of purchases. Balance transfers are calculated in the same manner as
        purchases.
        For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of
        cash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance of
        cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply
        to the cash advance balance. This gives us the daily balance of cash advances. Then, we add all the daily
        balances of cash advances for the billing cycle together and divide the total by the number of days in the billing
        cycle. This gives us the average daily balance of cash advances.
        6. FOREIGN TRANSACTIONS � Purchases and cash advances made in foreign currencies will be debited from
        your account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for
        processing international transactions is a rate selected by Visa from a range of rates available in wholesale
        currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives
        or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on
        the processing date may differ from the rate that would have been used on the purchase date or cardholder
        statement posting date.
        A fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions,
        including purchases, cash advances and credits to your account. A fee (finance charge), calculated in U.S. dollars,
        will be imposed on all single currency foreign transactions, including purchases, cash advances and credits to your
        account. A foreign transaction is any transaction that you complete or a merchant completes on your card outside
        of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates.
        The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.
        7. FEES � In addition to the periodic rate, the following additional fees may be imposed on your account. If
        applicable to your account, the fee amounts and explanations are disclosed on the Disclosure accompanying this
        Agreement. Your account may also be subject to additional fees as set forth on the Disclosure accompanying this
        Agreement.
        a. Annual Fee. If your account is subject to an Annual Fee, the fee will be added to your account upon the
        issuance of your card. Each year following, the annual fee will be added to your account during the same month
        that you were first charged the fee. The fee will be charged each year until your account is closed and paid in full.
        b. Balance Transfer Fee. If your account is subject to a Balance Transfer Fee, the fee will be added to your
        account when you transfer a balance from an account of another creditor to the account subject to this Agreement.
       �CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED         DCOBZ0 (MXC500 CCM000)
        c. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the
        fee will be added to your account when you obtain a cash advance from an ATM, the Credit Union or other financial
        institution.
        d. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance
        charge), a fee may be added to your account for transactions made outside of the United States or in a foreign
        currency. Transactions made in a foreign currency using a Visa branded card or processed by a network operated
        or affiliated with Visa will be subject to a fee as set forth on the Disclosure accompanying this Agreement.
        e. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be added to your account
        when you do not make the required minimum payment by or within the number of days of the statement Payment
        Due Date set forth on the Disclosure accompanying this Agreement.
        f. Over-the-Credit-Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we
        may charge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the
        next two billing cycles unless you have obtained an additional extension of credit in excess of such credit limit
        during each subsequent cycle or you have reduced the balance below the credit limit as of the end of each bill
        cycle.
        g. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be added to your
        account when a payment is returned to you for any reason.
        h. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be added to
        your account for each rush card that you request, providing delivery of the card is also available by standard mail
        service, without paying a fee for delivery.
        i. Inactivity Fee. If your account is subject to Inactivity Fee, a fee will be added to your account as disclosed on
        the Disclosure accompanying this Agreement.
        8. PAYMENTS � Each month you must pay at least the minimum payment shown on your statement by the date
        specified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total
        new balance in full. If you make extra or larger payments, you are still required to make at least the minimum
        payment each month your account has a balance (other than a credit balance). For our Visa Platinum, the minimum
        payment is 2.50% of your total new balance, or $25.00, whichever is greater, plus the amount of any prior minimum
        payments that you have not made, and any amount you are over your credit limit. For our Visa Platinum Rewards,
        the minimum payment is 2.50% of your total new balance, or $25.00, whichever is greater, plus the amount of any
        prior minimum payments that you have not made, and any amount you are over your credit limit. In addition to the
        minimum payment, you must also pay, by the date specified above, the amount of any prior minimum payment(s)
        that you have not made, all outstanding unpaid fees and charges, and any amount you are over your credit limit.
        The Credit Union also has the right to demand immediate payment of any amount by which you are over your credit
        limit.
        9. PAYMENT ALLOCATION � Subject to applicable law, your payments may be applied to what you owe the
        Credit Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment in
        excess of the required minimum periodic payment, the Credit Union will allocate the excess amount first to the
        balance with the highest annual percentage rate and any remaining portion to the other balances in descending
        order based on applicable annual percentage rate.
        10. SECURITY INTEREST � You grant the Credit Union a security interest under the Uniform Commercial Code
        and under any common law rights the Credit Union may have in any goods you purchase. If you give the Credit
        Union a specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your
        account. You may not withdraw amounts that have been specifically pledged to secure your account until the Credit
        Union agrees to release all or part of the pledged amount.
         Your Account is secured by all other shares you have in any individual or joint account with the Credit
         Union, except for shares in an Individual Retirement Account or in any other account that would lose
         special tax treatment under state or federal law if given as security. These other shares may be
         withdrawn unless you are in default under this agreement. You authorize the Credit Union to apply the
         balance in your individual or joint share accounts to pay any amounts due on your Account if you
         should default.
       Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will
       never be considered as security for this account, notwithstanding anything to the contrary in any other agreement.
       11. DEFAULT � You will be in default if you fail to make any minimum payment or other required payment by the
       date that it is due. You will be in default if you break any promise you make under this Agreement. You will be in
       default if you die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become
       due. You will be in default if you make any false or misleading statements in any credit application or credit update.
       You will also be in default if something happens that the Credit Union believes may substantially reduce your ability
       to repay what you owe.
       When you are in default, the Credit Union has the right to demand immediate payment of your full account balance
       without giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the
       �CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED         DCOBZ0 (MXC500 CCM000)
        periodic rate charged before default, until what you owe has been paid, and any shares that were given as security
        for your account may be applied towards what you owe.
        12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION � You may be liable for the
        unauthorized use of your credit card. Notify us immediately, in writing or by telephone at the address or phone
        number on the Disclosure included with this Agreement, if your card is lost, stolen or you suspect there has been
        unauthorized use of your card or account. After we receive your notification, you will not be liable for any further
        unauthorized use of your card or account. You will not be liable for unauthorized use that occurs after you notify us
        of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases made with your
        credit card, unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed
        $50.00.
        13. CHANGING OR TERMINATING YOUR ACCOUNT � The Credit Union may change the terms of this
        Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with
        applicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account
        balance as well as to future transactions.
        Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union
        will not affect your obligation to pay the account balance plus any finance and other charges you owe under this
        Agreement. You are also responsible for all transactions made to your account after termination, unless the
        transactions were unauthorized.
        The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the
        Credit Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. The
        Credit Union has the right to require you to pay your full account balance at any time after your account is
        terminated, whether it is terminated by you or the Credit Union. If this is a joint account, the paragraph on JOINT
        ACCOUNTS of this Agreement also applies to termination of the account.
        14. CHANGING OR TERMINATING AUTHORIZED USERS � Upon your request, we may issue additional cards
        for authorized users that you designate. You must notify us in writing of any termination of an authorized user's right
        to access your account. Your letter must include the name of the authorized user and your account number and/or
        any subaccount number issued to the authorized user along with the authorized user's card and any convenience
        or other access checks issued to the authorized user. If you cannot return the authorized user's card or access
        checks and if you request your account to be closed, we will close your account and you may apply for a new
        account.
        15. CREDIT REVIEW AND RELEASE OF INFORMATION � You authorize the Credit Union to investigate your
        credit standing when opening or reviewing your account. You authorize the Credit Union to disclose information
        regarding your account to credit bureaus and creditors who inquire about your credit standing. If your account is
        eligible for emergency cash and/or emergency card replacement services, and you request such services, you
        agree that we may provide personal information about you and your account that is necessary to provide you with
        the requested service(s).
        16. RETURNS AND ADJUSTMENTS � Merchants and others who honor your card may give credit for returns or
        adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If
        your credits and payments exceed what you owe the Credit Union, the amount will be applied against future
        purchases and cash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written
        request or automatically after six (6) months.
        17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS � The Credit Union may from time to time offer additional
        services to your account, such as travel accident insurance, at no additional cost to you. You understand that the
        Credit Union is not obligated to offer such services and may withdraw or change them at any time.
        18. MERCHANT DISPUTES � The Credit Union is not responsible for the refusal of any merchant or financial
        institution to honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out
        of goods or services you purchase with the card if you have made a good faith attempt but have been unable to
        obtain satisfaction from the merchant or service provider, and (a) your purchase was made in response to an
        advertisement the Credit Union sent or participated in sending to you; or (b) your purchase cost more than $50.00
        and was made in your state or within 100 miles of your home.
        19. JOINT ACCOUNTS � If this is a joint account, each person on the account will be individually and jointly
        responsible for paying all amounts owed under this Agreement. This means that the Credit Union can require any
        one of you individually to repay the entire amount owed under this Agreement. Each of you authorizes the other(s)
        to make purchases or cash advances individually. Any one of you may terminate the account and the termination
        will be effective as to all of you.
        20. EFFECT OF AGREEMENT � This Agreement is the contract which applies to all transactions on your account
        even though the sales, cash advances, credit or other slips you sign or receive may contain different terms.
        21. NO WAIVER � The Credit Union can delay enforcing any of its rights any number of times without losing them.
        22. STATEMENTS AND NOTICES � Statements and notices will be mailed to you at the appropriate address you
        have given the Credit Union. Notice sent to any one of you will be considered notice to all.
       �CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED         DCOBZ0 (MXC500 CCM000)
        23. SEVERABILITY AND FINAL EXPRESSION � This Agreement and the Disclosure are the final expression of
        the terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by
        evidence of any alleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid
        or unenforceable, all other parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the
        fullest extent possible under this Agreement.
        24. COPY RECEIVED � You acknowledge that you have received a copy of this Agreement and Disclosure.
       25. INTERNET GAMBLING TRANSACTIONS PROHIBITED � You may not use your card to initiate any type of
       electronic gambling transaction through the Internet.
       26. PENALTY RATE DISCLOSURES � All rates for your account, including the rates for purchases, cash
       advances, and balance transfers, will automatically increase to the Penalty Rate disclosed on the Disclosure
       accompanying this Agreement when you 1) do not make a payment on time, 2) go over your credit limit, and/or 3)
       when a payment you make is returned. Please see the Disclosure for the conditions under which a Penalty Rate
       will be applied.
       The rates for purchases, cash advances and balance transfers will automatically revert to the rates then in effect for
       those balances when you meet the conditions that appear on the Disclosure.
       27. NOTIFICATION INFORMATION FOR REPORTING LOST, STOLEN AND UNAUTHORIZED USE OF CARD
       � You agree to notify us immediately, orally or in writing, at 5495 Arapahoe Ave., Boulder, CO 80303 or telephone
       (303) 657-7000 Monday through Friday 7:30 a.m. to 6:00 p.m. or (800) 468-0634 Monday through Friday 7:30 a.m.
       to 6:00 p.m., of the loss, theft, or unauthorized use of your credit card.
       28. NOTICE TO UTAH BORROWERS � This written agreement is a final expression of the agreement between
       you and the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.
       29. THE FOLLOWING IS REQUIRED BY VERMONT LAW � NOTICE TO CO-SIGNER � YOUR SIGNATURE
       ON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE
       BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.
       30. NOTICE TO ALABAMA BORROWERS � CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY READ
       THIS AGREEMENT BEFORE YOU SIGN IT.
                     YOUR BILLING RIGHTS � KEEP THIS NOTICE FOR FUTURE USE
              This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
       WHAT TO DO IF YOU THINK YOU FIND A MISTAKE ON YOUR STATEMENT � If you think there is an error on
       your statement, write to us at the address listed on your statement.
       In your letter, give us the following information:
       �  Account Information. Your name and account number.
       �  Dollar Amount. The dollar amount of the suspected error.
       �  Description of Problem. If you think there is an error on your bill, describe what you believe is wrong and why
          you believe it is a mistake.
       You must contact us within 60 days after the error appeared on your statement.
       You must notify us of any potential errors in writing (or electronically). You may call us, but if you do we are not
       required to investigate any potential errors and you may have to pay the amount in question.
       While we investigate whether or not there has been an error, the following are true:
       �  We cannot try to collect the amount in question, or report you as delinquent on that amount.
       �  The charge in question may remain on your statement, and we may continue to charge you interest on that
          amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any
          interest or other fees related to that amount.
       �  While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
       �  We can apply any unpaid amount against your credit limit.
       YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES � If you are dissatisfied
       with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct
       the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.
       To use this right, all of the following must be true:
       �  The purchase must have been made in your home state or within 100 miles of your current mailing address,
          and the purchase price must have been more than $50.00. (Note: Neither of these are necessary if your
          purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods
          or services.)
       �  You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or
          with a check that accesses your credit card account do not qualify.
       �  You must not yet have fully paid for the purchase.
       If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing (or
       electronically) at the address listed on your statement.
       �CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED         DCOBZ0 (MXC500 CCM000)
        While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our
        investigation, we 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 delinquent.
        SPECIAL RULE FOR CREDIT CARD PURCHASES � If you have a problem with the quality of property or
        services that you purchased with a credit card and you have tried in good faith to correct the problem with the
        merchant, you may have the right not to pay the remaining amount due on the property or services. There are two
        (2) limitations on this right:
        �  You must have made the purchase in your home state or, if not within your home state, within 100 miles of your
          current mailing address; and
        �  The purchase price must have been more than $50.00.
        These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the
        property or services.
       �CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVED         DCOBZ0 (MXC500 CCM000)
                                                              VISA PLATINUM REWARDS
                                              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
                                    18.00           %
     Purchases
                                    This APR will vary with the market based on the Prime Rate.
     APR for Cash Advances            % 18.00
                                    This APR will vary with the market based on the Prime Rate.
     APR for Balance Transfers           18.00   %
                                    This APR will vary with the market based on the Prime Rate.
     Penalty APR and When it Applies          % 18.00
                                    This APR may be applied to the entire balance on your account if you:
                                    �  Make a Late Payment
                                    How Long Will the Penalty APR Apply? If your APRs are increased
                                    for any of these reasons, the Penalty APR will apply until you make six
                                    (6) consecutive minimum payments when due and do not exceed your
                                    credit limit during that time period.
     How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle.
                                    We do not charge you interest on purchases if you pay your entire
                                    balance by the due date each month.
     For Credit Card Tips from the Federal To learn more about factors to consider when applying for or using a
     Reserve Board                  credit card, visit the Web site of the Federal Reserve Board at
                                    http://www.federalreserve.gov/creditcard.
     FEES
     Set-up and Maintenance Fees
     �  Annual Fee                             None
     �  Account Set-Up Fee                     None
     �  PIN Replacement Fee                    None
     Transaction Fees
     �  Balance Transfer Fee        $              or            % of the amount of each transfer, whichever is 5.00 2.5
                                    greater (max. fee: $50.00)
     �  Cash Advance Fee            $              or             % of the amount of each cash advance, whichever 5.00 2.50
                                    is greater (max. fee of $50.00)
     �  Foreign Transaction Fee               % 1.00  of each multiple currency transaction in U.S. dollars
                                              % 0.80 of each single currency transaction in U.S. dollars
     �  Transaction Fee for Purchases            None
     Penalty Fees
     �  Late Payment Fee            $            35.00 if you are five (5) or more days late
     �  Over-the-Credit-Limit Fee   $            35.00 (if applicable)
     �  Returned Payment Fee        $            10.00 per returned payment
     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 our rights to dispute transactions and how to exercise those rights is provided in your
     account Agreement.
     �CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVED                    DCOCA0 (MXC450 CCM000)
                                   SEE BACK OF PAGE for more important information about your account.
     OTHER DISCLOSURES
      Other Fees
      �  Rush Fee                   $           25.00 per request
     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.
     Collection Costs for credit unions lending to borrowers in Colorado. You agree to pay all costs of collecting the
     amount you owe under this Agreement, including court costs and reasonable attorney's fees paid to an individual who is
     not an employee of the Credit Union. The attorney's fees you pay will not exceed 15.00% of the unpaid debt after default.
     Collection Costs for credit unions lending to borrowers in Idaho. You agree to pay all costs of collecting the amount
     you owe under this Agreement, including court costs and, if the amount you borrowed was greater than $1,000.00,
     reasonable attorney's fees.
     Collection Costs for credit unions lending to borrowers in Kansas. You agree to pay all costs of collecting the
     amount you owe under this Agreement, including court costs and reasonable attorney's fees paid to an individual who is
     not an employee of the Credit Union. The attorney's fees you pay will not exceed 15.00% of the unpaid debt after default.
     Collection Costs for credit unions lending to borrowers in Oklahoma. You promise to pay all costs of collecting the
     amount you owe under this Agreement. These costs include reasonable attorney's fees not in excess of 15.00% of the
     unpaid debt after default and referral to an attorney, not a salaried employee of the Credit Union, unless you borrowed
     $1,000.00 or less at an interest rate greater than 10.00% per year.
     Collection Costs for credit unions lending to borrowers in South Dakota. You promise to pay all costs of collecting
     the amount you owe under this Agreement to the extent permitted by state law.
     Collection Costs for credit unions lending to borrowers in Wyoming. You promise to pay all costs of collecting the
     amount you owe under this Agreement. These costs will include reasonable attorney's fees unless you borrowed
     $1,000.00 or less at an interest rate greater the 10.00% per year.
     Periodic Rates.
     The Purchase APR is             % which is a daily periodic rate of               %. 18.00 0.0493
     The Cash Advance APR is             % which is a daily periodic rate of               %. 18.00 0.0493
     The Balance Transfer APR is             % which is a daily periodic rate of               %. 18.00 0.0493
      The Penalty Rate APR is             % which is a daily periodic rate of               %. 18.00 0.0493
      Variable Rate.
      The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle quarterly to reflect any
      change in the Index and will be determined by the Prime Rate on the 15th day of the prior month, rounded the nearest
      0.25%, of each year as published in  The Wall Street Journal "Money Rates" table at which we add a margin. The
      ANNUAL PERCENTAGE RATE will never be less than 10.90% nor greater than 18.00%. Any increase in the ANNUAL
      PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If
      the Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.
      The member�s APR may be reviewed and changed, from time to time. Notice of any change will be given in accordance
      with applicable law. The APR is based on multiple criteria the credit union, at its discretion, believes is relevant.
      Margin.
      Purchases will be charged at             % above the Index. 14.90
      Cash advances will be charged at             % above the Index. 17.90
      Balance transfers will be charged at             % above the Index. 14.90
                                                                        DCOCA0 (MXC450)-e