VISA PLATINUM F1  
                                             APPLICATION AND SOLICITATION DISCLOSURE
      
     Interest Rates and Interest Charges 
     Annual Percentage Rate (APR) for 
                                    F2        to F3         when you open your account, based on  7.90% 15.40% 
     Purchases 
                                    your creditworthiness. This APR will vary with the market based on the 
                                    Prime Rate. 
     APR for Cash Advances          7.90% F4        to F5         when you open your account, based on your  15.40%
                                    creditworthiness. This APR will vary with the market based on the 
                                    Prime Rate. 
     APR for Balance Transfers      7.90% F6        to F7         when you open your account, based on your  15.40%
                                    creditworthiness. This APR will vary with the market based on the 
                                    Prime Rate. 
     Minimum Interest Charge        If you are charged interest, the charge will be no less than F8              $1.00.
                                    The minimum interest charge will be charged on any dollar amount. 
     Paying Interest                We will begin charging interest on purchases on the transaction date.  
     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 
     Transaction Fees                
     - Cash Advance Fee             $10.00 F9         or 2% of the amount of each cash advance, whichever is 
                                    greater, a maximum of $50.  
     - Foreign Transaction Fee      1.00% F10       of each multiple currency transaction in U.S. dollars 
                                    0.80% F11       of each single currency transaction in U.S. dollars 
     Penalty Fees                    
     - Late Payment Fee             Up to F12            $25.00
     - Returned Payment Fee         Up to F13            $25.00
      
     How We Will Calculate Your Balance. We use a method called �average daily balance (including new purchases).�  
     Effective Date.  
     The information about the costs of the card described in this application is accurate as of F14             July 11, 2011.
      This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
      OTHER DISCLOSURES 
      Late Payment Fee               F15       or the amount of the required minimum payment, whichever is  $25.00
                                     less. 
     Returned Payment Fee            F16       or the amount of the required minimum payment, whichever is  $25.00
                                     less. 
     Statement Copy Fee              F17            $3.00
     Card Replacement Fee            F18             $10.00
     Document Copy Fee               F19            $3.00
     Rush Fee                        F20            $35.00
      
     �CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVED                   DFLRG1 (MXC400 CCM000)-e 
       
       
      P.O. Box 2600, Jacksonville, Florida 32232
        904.354.8537  ?  800.342.8416                                VISA PLATINUM F1  
         www.CommunityFirstFL.org
                                            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 
                                    15.40% F2             
      Purchases 
                                    This APR will vary with the market based on the Prime Rate. 
      APR for Cash Advances         15.40% F3             
                                    This APR will vary with the market based on the Prime Rate. 
      APR for Balance Transfers     15.40% F4             
                                    This APR will vary with the market based on the Prime Rate. 
      Minimum Interest Charge       If you are charged interest, the charge will be no less than F5        .  $1.00
                                    The minimum interest charge will be charged on any dollar amount. 
      Paying Interest               We will begin charging interest on purchases, cash advances, and 
                                    balance transfers on the transaction date.  
      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 
      Transaction Fees               
      - Cash Advance Fee            $10.00 F6             or F7             of the amount of each cash advance,  2.00%
                                    whichever is greater (Maximum Fee: F8            )  $50.00
      - Foreign Transaction Fee     1.00% F9             of each multiple currency transaction in U.S. dollars 
                                    0.80% F10           of each single currency transaction in U.S. dollars 
      Penalty Fees                   
      - Late Payment Fee            Up to F11             $25.00
      - Returned Payment Fee        Up to F12            $25.00
       
      How We Will Calculate Your Balance. We use a method called �average daily balance (including new purchases).� See 
      your account Agreement for more details. 
      Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your 
      account Agreement.  
      OTHER DISCLOSURES 
      Late Payment Fee               F13           or the amount of the required minimum payment, whichever  $25.00
                                     is less. 
      Returned Payment Fee           F14           or the amount of the required minimum payment, whichever  $25.00
                                     is less. 
      Statement Copy Fee             F15            $3.00
      Document Copy Fee              F16            $3.00
      Rush Fee                       F17            $35.00
      Card Replacement Fee           F18            $10.00
      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 F19           which is a monthly periodic rate of F20            15.40% 1.2833%
      The Cash Advance APR is F21           which is a monthly periodic rate of F22            15.40% 1.2833%
      The Balance Transfer APR is F23           which is a monthly periodic rate of F24            15.40% 1.2833%
       
      �CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED              DFLRH1 (MXC450 CCM001)-e 
                                    SEE BACK OF PAGE for more important information about your account. 
       
       
      Variable Rate. 
      The ANNUAL PERCENTAGE RATE is subject to change 1st day of each calendar quarter to reflect any change in the 
      Index and will be determined by the Prime Rate on the 10th day of the previous month of each calendar quarter of each 
      year  as  published  in  The  Wall  Street  Journal  "Money  Rates"  table  to  which  we  add  a  margin.  The  ANNUAL 
      PERCENTAGE RATE will never be greater than 17.90%. 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. 
      Margin. 
      Purchases will be charged at F25           above the Index.  12.15%
      Cash advances will be charged at F26           above the Index.  12.15%
      Balance transfers will be charged at F27           above the Index.  12.15%
       
                                                                     DFLRH1 (MXC450 CCM001)-e  
      
      
      P.O. Box 2600, Jacksonville, Florida 32232
        904.354.8537  ?  800.342.8416
                                                                    VISA PLATINUM F1  
         www.CommunityFirstFL.org
                                            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 
                                    13.40% F2             
     Purchases 
                                    This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances          13.40% F3             
                                    This APR will vary with the market based on the Prime Rate. 
     APR for Balance Transfers      13.40% F4             
                                    This APR will vary with the market based on the Prime Rate. 
     Minimum Interest Charge        If you are charged interest, the charge will be no less than F5        .  $1.00
                                    The minimum interest charge will be charged on any dollar amount. 
     Paying Interest                We will begin charging interest on purchases, cash advances, and 
                                    balance transfers on the transaction date.  
     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 
     Transaction Fees                
     - Cash Advance Fee             $10.00 F6             or F7             of the amount of each cash advance,  2.00%
                                    whichever is greater (Maximum Fee: F8            )  $50.00
     - Foreign Transaction Fee      1.00% F9             of each multiple currency transaction in U.S. dollars 
                                    0.80% F10           of each single currency transaction in U.S. dollars 
     Penalty Fees                    
     - Late Payment Fee             Up to F11             $25.00
     - Returned Payment Fee         Up to F12            $25.00
      
     How We Will Calculate Your Balance. We use a method called �average daily balance (including new purchases).� See 
     your account Agreement for more details. 
     Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your 
     account Agreement.  
     OTHER DISCLOSURES 
     Late Payment Fee               F13           or the amount of the required minimum payment, whichever  $25.00
                                    is less. 
     Returned Payment Fee           F14           or the amount of the required minimum payment, whichever  $25.00
                                    is less. 
     Statement Copy Fee             F15            $3.00
     Document Copy Fee              F16            $3.00
     Rush Fee                       F17            $35.00
     Card Replacement Fee           F18            $10.00
     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 F19           which is a monthly periodic rate of F20            13.40% 1.1166%
     The Cash Advance APR is F21           which is a monthly periodic rate of F22            13.40% 1.1166%
     The Balance Transfer APR is F23           which is a monthly periodic rate of F24            13.40% 1.1166%
      
     �CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED              DFLRH1 (MXC450 CCM001)-e 
                                   SEE BACK OF PAGE for more important information about your account. 
       
       
      Variable Rate. 
      The ANNUAL PERCENTAGE RATE is subject to change 1st day of each calendar quarter to reflect any change in the 
      Index and will be determined by the Prime Rate on the 10th day of the previous month of each calendar quarter of each 
      year  as  published  in  The  Wall  Street  Journal  "Money  Rates"  table  to  which  we  add  a  margin.  The  ANNUAL 
      PERCENTAGE RATE will never be greater than 17.90%. 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. 
      Margin. 
      Purchases will be charged at F25           above the Index.  10.15%
      Cash advances will be charged at F26           above the Index.  10.15%
      Balance transfers will be charged at F27           above the Index.  10.15%
       
                                                                     DFLRH1 (MXC450 CCM001)-e  
      
      
      P.O. Box 2600, Jacksonville, Florida 32232
        904.354.8537  ?  800.342.8416
                                                                    VISA PLATINUM F1  
         www.CommunityFirstFL.org
                                           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 
                                    11.40% F2             
     Purchases 
                                    This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances          11.40% F3             
                                    This APR will vary with the market based on the Prime Rate. 
     APR for Balance Transfers      11.40% F4             
                                    This APR will vary with the market based on the Prime Rate. 
     Minimum Interest Charge        If you are charged interest, the charge will be no less than F5        .  $1.00
                                    The minimum interest charge will be charged on any dollar amount. 
     Paying Interest                We will begin charging interest on purchases, cash advances, and 
                                    balance transfers on the transaction date.  
     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 
     Transaction Fees                
     - Cash Advance Fee             $10.00 F6             or F7             of the amount of each cash advance,  2.00%
                                    whichever is greater (Maximum Fee: F8            )  $50.00
     - Foreign Transaction Fee      1.00% F9             of each multiple currency transaction in U.S. dollars 
                                    0.80% F10           of each single currency transaction in U.S. dollars 
     Penalty Fees                    
     - Late Payment Fee             Up to F11             $25.00
     - Returned Payment Fee         Up to F12            $25.00
      
     How We Will Calculate Your Balance. We use a method called �average daily balance (including new purchases).� See 
     your account Agreement for more details. 
     Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your 
     account Agreement.  
     OTHER DISCLOSURES 
     Late Payment Fee               F13           or the amount of the required minimum payment, whichever  $25.00
                                    is less. 
     Returned Payment Fee           F14           or the amount of the required minimum payment, whichever  $25.00
                                    is less. 
     Statement Copy Fee             F15            $3.00
     Document Copy Fee              F16            $3.00
     Rush Fee                       F17            $35.00
     Card Replacement Fee           F18            $10.00
     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 F19           which is a monthly periodic rate of F20            11.40% 0.9500%
     The Cash Advance APR is F21           which is a monthly periodic rate of F22            11.40% 0.9500%
     The Balance Transfer APR is F23           which is a monthly periodic rate of F24            11.40% 0.9500%
      
     �CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED              DFLRH1 (MXC450 CCM001)-e 
                                   SEE BACK OF PAGE for more important information about your account. 
       
       
      Variable Rate. 
      The ANNUAL PERCENTAGE RATE is subject to change 1st day of each calendar quarter to reflect any change in the 
      Index and will be determined by the Prime Rate on the 10th day of the previous month of each calendar quarter of each 
      year  as  published  in  The  Wall  Street  Journal  "Money  Rates"  table  to  which  we  add  a  margin.  The  ANNUAL 
      PERCENTAGE RATE will never be greater than 17.90%. 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. 
      Margin. 
      Purchases will be charged at F25           above the Index.  8.15%
      Cash advances will be charged at F26           above the Index.  8.15%
      Balance transfers will be charged at F27           above the Index.  8.15%
       
                                                                     DFLRH1 (MXC450 CCM001)-e  
      
      
      P.O. Box 2600, Jacksonville, Florida 32232
        904.354.8537  ?  800.342.8416
                                                                    VISA PLATINUM F1  
         www.CommunityFirstFL.org
                                            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 
                                    8.90% F2             
     Purchases 
                                    This APR will vary with the market based on the Prime Rate. 
     APR for Cash Advances          8.90% F3             
                                    This APR will vary with the market based on the Prime Rate. 
     APR for Balance Transfers      8.90% F4             
                                    This APR will vary with the market based on the Prime Rate. 
     Minimum Interest Charge        If you are charged interest, the charge will be no less than F5        .  $1.00
                                    The minimum interest charge will be charged on any dollar amount. 
     Paying Interest                We will begin charging interest on purchases, cash advances, and 
                                    balance transfers on the transaction date.  
     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 
     Transaction Fees                
     - Cash Advance Fee             $10.00 F6             or F7             of the amount of each cash advance,  2.00%
                                    whichever is greater (Maximum Fee: F8            )  $50.00
     - Foreign Transaction Fee      1.00% F9             of each multiple currency transaction in U.S. dollars 
                                    0.80% F10           of each single currency transaction in U.S. dollars 
     Penalty Fees                    
     - Late Payment Fee             Up to F11             $25.00
     - Returned Payment Fee         Up to F12            $25.00
      
     How We Will Calculate Your Balance. We use a method called �average daily balance (including new purchases).� See 
     your account Agreement for more details. 
     Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your 
     account Agreement.  
     OTHER DISCLOSURES 
     Late Payment Fee                F13           or the amount of the required minimum payment, whichever  $25.00
                                     is less. 
     Returned Payment Fee            F14           or the amount of the required minimum payment, whichever  $25.00
                                     is less. 
     Statement Copy Fee              F15            $3.00
     Document Copy Fee               F16            $3.00
     Rush Fee                        F17            $35.00
     Card Replacement Fee            F18            $10.00
     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 F19           which is a monthly periodic rate of F20            8.90% 0.7416%
     The Cash Advance APR is F21           which is a monthly periodic rate of F22            8.90% 0.7416%
     The Balance Transfer APR is F23           which is a monthly periodic rate of F24            8.90% 0.7416%
      
     �CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED               DFLRH1 (MXC450 CCM001)-e 
                                   SEE BACK OF PAGE for more important information about your account. 
       
       
      Variable Rate. 
      The ANNUAL PERCENTAGE RATE is subject to change 1st day of each calendar quarter to reflect any change in the 
      Index and will be determined by the Prime Rate on the 10th day of the previous month of each calendar quarter of each 
      year  as  published  in  The  Wall  Street  Journal  "Money  Rates"  table  to  which  we  add  a  margin.  The  ANNUAL 
      PERCENTAGE RATE will never be greater than 17.90%. 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. 
      Margin. 
      Purchases will be charged at F25           above the Index.  5.65%
      Cash advances will be charged at F26           above the Index.  5.65%
      Balance transfers will be charged at F27           above the Index.  5.65%
       
                                                                     DFLRH1 (MXC450 CCM001)-e  
     
     
     P.O. Box 2600, Jacksonville, Florida 32232
       904.354.8537  ?  800.342.8416
                                                                    VISA PLATINUM F1  
       www.CommunityFirstFL.org
                                           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 
                                   7.90% F2             
    Purchases 
                                   This APR will vary with the market based on the Prime Rate. 
    APR for Cash Advances          7.90% F3             
                                   This APR will vary with the market based on the Prime Rate. 
    APR for Balance Transfers      7.90% F4             
                                   This APR will vary with the market based on the Prime Rate. 
    Minimum Interest Charge        If you are charged interest, the charge will be no less than F5        .  $1.00
                                   The minimum interest charge will be charged on any dollar amount. 
    Paying Interest                We will begin charging interest on purchases, cash advances, and 
                                   balance transfers on the transaction date.  
    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 
    Transaction Fees                
    - Cash Advance Fee             $10.00 F6             or F7             of the amount of each cash advance,  2.00%
                                   whichever is greater (Maximum Fee: F8            )  $50.00
    - Foreign Transaction Fee      1.00% F9             of each multiple currency transaction in U.S. dollars 
                                   0.80% F10           of each single currency transaction in U.S. dollars 
    Penalty Fees                    
    - Late Payment Fee             Up to F11             $25.00
    - Returned Payment Fee         Up to F12            $25.00
     
    How We Will Calculate Your Balance. We use a method called �average daily balance (including new purchases).� See 
    your account Agreement for more details. 
    Billing Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your 
    account Agreement.  
    OTHER DISCLOSURES 
    Late Payment Fee                F13           or the amount of the required minimum payment, whichever  $25.00
                                    is less. 
    Returned Payment Fee            F14           or the amount of the required minimum payment, whichever  $25.00
                                    is less. 
    Statement Copy Fee              F15            $3.00
    Document Copy Fee               F16            $3.00
    Rush Fee                        F17            $35.00
    Card Replacement Fee            F18            $10.00
    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 F19           which is a monthly periodic rate of F20            7.90% 0.6583& %
    The Cash Advance APR is F21           which is a monthly periodic rate of F22            7.90% 0.6583& %
    The Balance Transfer APR is F23           which is a monthly periodic rate of F24            7.90% 0.6583& %
     
    �CUNA MUTUAL GROUP, 2009, 10, ALL RIGHTS RESERVED               DFLRH1 (MXC450 CCM001)-e 
                                  SEE BACK OF PAGE for more important information about your account. 
       
       
      Variable Rate. 
      The ANNUAL PERCENTAGE RATE is subject to change 1st day of each calendar quarter to reflect any change in the 
      Index and will be determined by the Prime Rate on the 10th day of the previous month of each calendar quarter of each 
      year  as  published  in  The  Wall  Street  Journal  "Money  Rates"  table  to  which  we  add  a  margin.  The  ANNUAL 
      PERCENTAGE RATE will never be greater than 17.90%. 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. 
      Margin. 
      Purchases will be charged at F25           above the Index.  4.65%
      Cash advances will be charged at F26           above the Index.  4.65%
      Balance transfers will be charged at F27           above the Index.  4.65%
       
                                                                     DFLRH1 (MXC450 CCM001)-e