VISA PLATINUM PLUS F1   
                                            CREDIT CARD ACCOUNT OPENING DISCLOSURE       
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         This Addendum is incorporated into and becomes part of your LOANLINER      Consumer Credit Card Agreement. 
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                 Please keep this attached to your LOANLINER    Consumer Credit Card Agreement. 
      Interest Rates and Interest Charges     
      Annual Percentage Rate (APR) for   
                                    10.99% F2              
      Purchases   
      APR for Balance Transfers                10.99% F3  
      APR for Cash Advances                F4   10.99%
      Penalty APR and When it Applies                F5   None
      Paying Interest               Your due date is at least 25 days after the close of each billing cycle.     
                                    We will not charge you any interest on purchases if you pay your entire          
                                    balance by the due date each month. We will begin charging interest on      
                                    cash advances and balance transfers on the transaction date.    
      For Credit Card Tips from the Consumer     To learn more about factors to consider when applying for or 
      Financial Protection Bureau    using a credit card, visit the website of the Consumer Financial 
                                    Protection Bureau at http://www.consumerfinance.gov/learnmore.    
      Fees   
     Set-up and Maintenance Fees      
     -    Annual Fee                F6   None            
     -    Account Set-up Fee        F7   None            
     -    Program Fee               F8   None            
     -    Participation Fee         F9   None            
     -    Additional Card Fee       F10 None            
     -    Application Fee           None F11            
     Transaction Fees                
     -    Balance Transfer Fee      None F12            
     -    Cash Advance Fee          3.00% F13             of the amount of each cash advance   
     -    Foreign Transaction Fee   1.00% F14             of each transaction in U.S. dollars   
     -    Transaction Fee for Purchases  None F15            
     Penalty Fees                    
     -     Late Payment Fee         Up to                $20.00 F16
     -    Returned Payment Fee      Up to               $25.00 F17
      
     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               $20.00 F18 or the amount of the required minimum payment, whichever 
                                     is less, if you are five (5) or more days late in making a payment.      
     Returned Payment Fee               $25.00 F19 or the amount of the required minimum payment, whichever 
                                     is less.   
     Statement Copy Fee               $5.00 F20
     Document Copy Fee               $5.00 F21            
     Rush Fee                        $25.00 F22            
     Emergency Card Replacement Fee    $165.00 F23            
     PIN Replacement Fee             $5.00 F24            
     Card Replacement Fee            $10.00 F25            
     Express Shipping Fee            $25.00 F26            
     �CUNA Mutual Group 2009, 10, 12 All Rights Reserved              DMIGD3 (MXC453 CCM002)-e 
                                   SEE BACK OF PAGE for more important information about your account.    
      
     Collection Costs: You promise to pay all costs of collecting the amount you owe under this Agreement to the extent              
     permitted by state law.   
     Periodic Rates:   
     The Purchase APR is                              F27 10.99% which is a daily periodic rate of  F28 0.0305% . 
     The Balance Transfer APR is                              F29 10.99% which is a daily periodic rate of  F30 0.0305% . 
     The Cash Advance APR is                             F31 10.99% which is a daily periodic rate of  F32 0.0305% . 
      
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