PLATINUM

       PLATINUM REWARDS

VISA CREDIT CARD AGREEMENT

In this Agreement the words "you" and "your" 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 and
notify  you  of  your  credit  limit.  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. If you are over your credit limit, you
must pay the amount you are over before payments will begin to restore your credit limit. You may request an increase in your
credit limit only by a method acceptable to the Credit Union. The Credit Union has the right to reduce your credit limit, refuse to
make an advance and/or terminate your account at any time for any reason not prohibited by law.

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. You may use your card to make purchases from merchants and others
who accept Visa cards. However, you may not use your card to initiate any type of electronic gambling transaction through the
Internet.  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 and from other financial institutions that accept Visa cards, and from some automated teller machines (ATMs). (Not all
ATMs accept Visa cards.) To obtain cash advances from an ATM, you must use the personal identification number (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.

3. RESPONSIBILITY  —  You  agree  to  pay  all  charges  (purchases  and  cash  advances)  made  to  your  account  by  you  or
anyone you authorize to use your account. You also agree 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, Section 17
also applies to your account.

4. 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 monthly 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.

For cash advances, the finance charge is computed by applying the monthly 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. Balance transfers are calculated in the same manner as cash advances.

The ANNUAL PERCENTAGE RATE is based on certain credit-worthiness criteria. Your APR may be reviewed and changed
annually based on credit history and other factors.

For  our Visa   Platinum  card, the monthly  periodic 
is ____________________, which is an ANNUAL PERCENTAGE RATE of  _______________.

rate 
 purchases,  cash  advances  and  balance 
0.8125%-1.7292% which is an ANNUAL PERCENTAGE RATE of  9.75% - 20.75%.

for

transfers

For  our  Visa  Platinum  Rewards  card, the  monthly  periodic  rate  for purchases,  cash  advances  and  balance  transfers 
is 0.9791%-1.8958% which is an ANNUAL PERCENTAGE RATE of  11.75% - 22.75%.
0.9791% - 1.6458%
___________________, which is an ANNUAL PERCENTAGE RATE of   

11.75% - 19.75%.

_______________.

s

i

   
       
5. OTHER CHARGES — The following other charges (fees) will be added to your account, as applicable:

a. Over-the-Credit-Limit  Fee. You may be charged a fee of ______ on a statement date if your new balance on that date,
less any fees imposed during the cycle, is more than _____ over your credit limit. You will be charged the fee each subsequent
month until your new balance on the statement date, less any fees imposed during the cycle, is BELOW your credit limit.

N/A

N/A

b. Late Payment Fee. If you are __________ or more days late in making a payment, a late charge of ______ will be added
to your account.

$29.00

ten (10) 

c. Return  Check  Fee.  If  a  check  or  share  draft  used  to  make  a  payment  on  your  account  is  returned  unpaid,  you  will  be
charged a fee of ______ for each item returned.

$25.00

d. Card Replacement Fee. You will be charged ______ for each replacement card that is issued to you for any reason.

$10.00

e. Document  Copy  Fee. You will be charged ______ for each copy of a sales draft or statement that you request (except
when the request is made in connection with a billing error made by the Credit Union).

$10.00

$2.00
f. Return Statement Fee. You will be charged ______ for each statement is returned to the credit union.

g.

Inactivity Fee. You will be changed ______ after ___ months of inactivity on your account.

$10.00

12

6. PAYMENTS — Each month you must pay at least the minimum payment shown on your statement by the date specified on
the statement or no later than 25 days from the statement closing date whichever is later. If your statement says the payment is
"Now Due," your payment is due no later than 25 days from the statement closing date. 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  card,  the  minimum  payment  is  ___  percent  of  your  total  new  balance,  or  _______,  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 card, the minimum payment is ___ percent of your total new balance, or ______, 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. The Credit
Union also has the right to demand immediate payment of any amount by which you are over your credit limit.

$10.00

$10.00

2

2

7. 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.

8. SECURITY INTEREST — 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. In addition, 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.  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.

9. 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 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.

twenty-four (24) hours a day, seven (7) days a week

Customer Service, PO Box 30495, Tampa, FL 33630-3495 

10. LIABILITY  FOR  UNAUTHORIZED  USE-LOST/STOLEN  CARD  NOTIFICATION  —  You  agree  to  notify  us  immediately,
orally or in writing at ___________________________________________________________ or telephone _______________
____________________________________________________, of the loss, theft, or unauthorized use of your credit card. You
may be liable for the unauthorized use of your credit card. 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.

(866) 839-3485 

11. CHANGING OR TERMINATING YOUR ACCOUNT — The Credit Union may change the terms of this Agreement 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, Section 17 of this Agreement also applies to termination of the account.

12. 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).

13. 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.

14. 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.

15. Foreign Transactions —
Visa. 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 of 1 percent of the amount of the transaction, 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  of  0.8  percent  of  the  amount  of  the
transaction,  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.

16. 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 and was made in your state or within 100 miles of your home.

17. JOINT  ACCOUNTS  —  Each  of  you  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.

18. EFFECT  OF  AGREEM ENT  —  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.

19. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them.

20. STATEMENTS AND NOTICES — Statements and notices will be mailed to you at the most recent address you have given
the Credit Union. Notice sent to any one of you will be considered notice to all.

21. FINAL  EXPRESSION  —  This  Agreement  is  the  final  expression  of  the  terms  and  conditions  of  this  Visa  line  of  credit
between you and the Credit Union. This written Agreement may not be contradicted by evidence of any alleged oral agreement.

22. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement.

YOUR BILLING RIGHTS
KEEP THIS NOTICE FOR FUTURE USE

This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.

Notify Us In Case of Errors or Questions About Your Bill —
If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the
address listed on your bill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the
first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.

In your letter, give us the following information:

-
-
-

Your name and account number.
The dollar amount of the suspected error.
Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item
you are not sure about.

If you have authorized us to pay your credit card bill automatically from your savings or share draft account, you can stop the
payment on any amount you think is wrong. To stop the payment, your letter must reach us three (3) business days before the
automatic payment is scheduled to occur.

Your Rights and Our Responsibilities After We Receive Your Written Notice —
We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either
correct the error or explain why we believe the bill was correct.

After we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to
bill you for the amount you question, including finance charges, and we can apply any unpaid amount against your credit limit.
You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill
that are not in question.

If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If
we didn't make a mistake, you may have to pay finance charges and you will have to make up any missed payments on the
questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due.

If you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not
satisfy you and you write to us within ten (10) days telling us that you still refuse to pay, we must tell anyone we report you to
that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we
report you to that the matter has been settled between us when it finally is.

If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct.

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.

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, 2008, ALL RIGHTS RESERVED

293112  (DILCK1)  (LASER)