M-123141
                                 CREDIT CARD     CREDIT CARD      CREDIT CARD 
                                    ACCOUNT         ACCOUNT          ACCOUNT
                                     OPENING         OPENING          OPENING
                                  DISCLOSURE      DISCLOSURE       DISCLOSURE
                                              VISA CLASSIC PLATINUM VISA CLASSIC PLATINUM VISA CLASSIC PLATINUM
 This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement &  This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement &  This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement & 
 Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure. Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure. Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.
 Interest Rates and Interest Charges Interest Rates and Interest Charges Interest Rates and Interest Charges
 Annual Percentage Rate (APR) for  Annual Percentage Rate (APR) for  Annual Percentage Rate (APR) for 
                 13.90%          13.90%           13.90%
 Purchases Purchases   Purchases
 APR for Balance Transfers APR for Balance Transfers 13.90% APR for Balance Transfers 13.90% 13.90%
 APR for Cash Advances APR for Cash Advances 17.90% APR for Cash Advances 17.90% 17.90%
 Paying Interest Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will Your due date is at least 25 days after the close of each billing cycle. We will
                 not charge You any interest on purchases or balance transfers if You pay  not charge You any interest on purchases or balance transfers if You pay  not charge You any interest on purchases or balance transfers if You pay 
                 Your entire balance by the due date each month. We will begin charging  Your entire balance by the due date each month. We will begin charging  Your entire balance by the due date each month. We will begin charging 
                 interest on cash advances on the transaction date. interest on cash advances on the transaction date. interest on cash advances on the transaction date.
 Minimum Interest Charge                            If You are charged interest, the charge will be no less than $0.50. Minimum Interest Charge                            If You are charged interest, the charge will be no less than $0.50. Minimum Interest Charge                            If You are charged interest, the charge will be no less than $0.50.
 For Credit Card Tips from the  For Credit Card Tips from the  To learn more about factors to consider when applying for or using a  For Credit Card Tips from the  To learn more about factors to consider when applying for or using a  To learn more about factors to consider when applying for or using a 
 Consumer Financial Protection Bureau Consumer Financial Protection Bureau credit card, visit the website of the Consumer Financial Protection  Consumer Financial Protection Bureau credit card, visit the website of the Consumer Financial Protection  credit card, visit the website of the Consumer Financial Protection 
                 Bureau at http://www.consumerfinance.gov/learnmore. Bureau at http://www.consumerfinance.gov/learnmore. Bureau at http://www.consumerfinance.gov/learnmore.
 Fees Fees             Fees
 Annual Fee Annual Fee Annual Fee
 - Annual Fee  - Annual Fee  None - Annual Fee  None None
 Transaction Fees Transaction Fees Transaction Fees
 - Balance Transfer Fee                                   None - Balance Transfer Fee                                   None - Balance Transfer Fee                                   None
 - Foreign Transaction Fee                              1.00% of each transaction in U.S. dollars - Foreign Transaction Fee                              1.00% of each transaction in U.S. dollars - Foreign Transaction Fee                              1.00% of each transaction in U.S. dollars
 Penalty Fees Penalty Fees Penalty Fees
 - Late Payment Fee - Late Payment Fee Up to $20.00 - Late Payment Fee Up to $20.00 Up to $20.00
 - Returned Payment Fee - Returned Payment Fee Up to $25.00 - Returned Payment Fee Up to $25.00 Up to $25.00
 How We Will Calculate Your Balance: How We Will Calculate Your Balance: How We Will Calculate Your Balance:
 We use a method called We "average use a daily method balance called (excluding "average We use new daily a method purchases balance called (excluding and "average balance new daily transfers) purchases balance (including and (excluding balance new new transfers) cash purchases (including and balance new cash transfers) (including new cash
 advances)." See Your Account Agreement for more details. advances)." See Your Account Agreement for more details. advances)." See Your Account Agreement for more details.
 Minimum Interest Charge: Minimum Interest Charge: Minimum Interest Charge:
 The minimum interest charge will be charged on any dollar amount. The minimum interest charge will be charged on any dollar amount. The minimum interest charge will be charged on any dollar amount.
 Billing Rights: Billing Rights: Billing Rights:
 Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your  Account  Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your  Account  Information  on  Your  rights  to  dispute  transactions  and  how  to  exercise  those  rights  is  provided  in  Your  Account 
 Agreement. Agreement. Agreement.
 Military Lending Act Disclosures: Military Lending Act Disclosures: Military Lending Act Disclosures:
 Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions
 of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent
 may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or
 account: The  costs associated  with account: The  costs credit  insurance  premiums;  fees  for associated  with account: The  costs credit  insurance  premiums;  fees  for associated  with ancillary products credit  insurance  premiums;  fees  for sold in ancillary connection products with the sold in connection ancillary products with the sold in connection with the
 credit transaction; any application credit transaction; fee  charged  (other any application credit than transaction; certain fee  charged  (other application any application fees  for than certain fee  charged  (other specified application credit transactions fees  for than certain specified or application credit transactions fees  for specified or credit transactions or
 accounts); and any participation fee charged (other than certain participation fees for a credit card account). accounts); and any participation fee charged (other than certain participation fees for a credit card account). accounts); and any participation fee charged (other than certain participation fees for a credit card account).
 Please call us at (800) 388-2000 to receive oral disclosures of the Military Lending Act disclosure above and a description Please call us at (800) 388-2000 to receive oral disclosures of the Military Lending Act disclosure above and a description Please call us at (800) 388-2000 to receive oral disclosures of the Military Lending Act disclosure above and a description
 of the payment obligation. of the payment obligation. of the payment obligation.
                      SEE NEXT PAGE for more important information about Your Account. SEE NEXT PAGE for more important information about Your Account. SEE NEXT PAGE for more important information about Your Account.
 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved M-123141 M-123141 03105847-MXC20-P-5-081817 (MXC201-E) M-123141 03105847-MXC20-P-5-081817 (MXC201-E) 03105847-MXC20-P-5-081817 (MXC201-E)
     Other Fees & Disclosures:
     Late Payment Fee:
     $20.00 or the amount of the required minimum payment, whichever is less, if You are 10 or more days late in making a
     payment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not
     make the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this
     Disclosure.
     Returned Payment Fee:
     $25.00 or the amount of the required minimum payment, whichever  is  less. If  Your  Account is subject to a Returned
     Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason.
     Collection Costs:
     You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable
     attorney's fees.
     Periodic Rates:
     The Purchase APR is                which is a monthly periodic rate of   13.90% 1.1580% .
     The Balance Transfer APR is                which is a monthly periodic rate of   13.90% 1.1580% .
     The Cash Advance APR is which is a monthly periodic rate of  . 17.90% 1.4917%
     � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved M-123141 03105847-MXC20-P-5-081817 (MXC201-E)