THE GRANTING OF THIS SECURITY INTEREST IS A CONDITI ON FOR 
THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. 
YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INT EREST 
IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW 
AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXT ENDED 
UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE S IMILAR 
STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LA W. IF 
YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE
AMOUNT YOU OWE. 
Shares and deposits in an Individual Retirement Acc ount or any other account 
that would lose special tax treatment under state o r federal law if given are not 
subject to this security interest. 
If you have other loans with us, collateral securin g such loans will also secure 
your obligations under this Agreement, unless that other collateral is your 
principal residence or non-purchase money household  goods. CREDIT CARD AGREEMENT 
Ownership of Card.  Your Card remains our property and may be cancelled by us 
at any time without notice. You agree to surrender your Card and to discontinue 
use of the account immediately upon our request. 
Interest Charges. You agree to pay interest at the rate(s) disclosed to you at the 
time you open your account and as may be changed fr om time to time in 
accordance with applicable law. Average Daily Balance including new 
transactions : Interest Charges will accrue on your average dail y balance 
outstanding during the month. To get the average da ily balance, we take the 
beginning balance each day, add any new purchases, cash advances, balance 
transfers or other advances, and subtract any payme nts, unpaid interest charges, 
and unpaid late charges. This gives us the daily ba lance. Then, we add up all the 
daily balances for the billing cycle and divide tha t by the number of days in the 
billing cycle. We then multiply that by the periodi c rate corresponding to the Annual 
Percentage Rate on your account. If you have differ ent rates for purchases, cash 
advances or balance transfers, separate average dai ly balances for each will be 
calculated and the appropriate periodic rate is the n applied to each. 
Grace Period on Purchases Only:  You can avoid Interest Charges on purchases 
by paying the full amount of the new balance for pu rchases each month by the 
date on which the payment is due. Otherwise, the ne w balance of your account, 
and subsequent advances from the date they are post ed to the account, will be 
subject to an Interest Charge. You cannot avoid Int erest Charges on cash 
advances and balance transfers; even if you pay the  entire cash advance balance 
or balance transfer balance by the payment due date , you will incur the Interest 
Charges accrued from the date the cash advance or b alance transfer is posted to 
your account. 
Fees.  In addition to the Interest Charges set forth abov e, you agree to also pay 
any and all fees that you incur as disclosed to you  on your Truth-in-Lending 
Statement or similar disclosures (as may be amended  from time to time), or as 
disclosed to you during the term of your Card. 
If Your Card is Lost or Stolen or if an Unauthorize d Use Occurs.  You agree to 
notify us immediately if your Card is ever lost or stolen or if an unauthorized use 
may have occurred. "Unauthorized use" means the use  of the Card by someone 
other than you who does not have actual, implied or  apparent authority for such 
use, and from which you receive no benefit. The tel ephone number to call is (800) 
323-5109. You agree to follow up your call with not ice in writing to us at: 1900 52nd 
Avenue, Moline, IL 61265. You also agree to assist us in determining the facts, 
circumstances and other pertinent information relat ing to any loss, theft or possible 
unauthorized use of your Card and comply with such procedures as we may 
require in connection with our investigation. You w ill have no liability for Mastercard 
transactions not authorized by you, provided that y ou have exercised reasonable 
care in safeguarding the Card from risk of loss or theft, and upon becoming aware 
of such loss or theft, you promptly report the loss  or theft to us. 
Minimum Payment Due; Crediting of Payments.  Payments are due in the 
amount and on the date disclosed on your billing st atement. If your payment is 
received by us on a business day at the address and  by the time designated on 
the billing statement, it will be credited to your account on the date of receipt. If 
payment is made at any location other than the addr ess designated on the 
periodic statement, credit for such payment may be delayed up to five (5) days. 
Payments will be applied in any order we determine,  subject to applicable law. 
Default; Acceleration; Credit Suspension; Collectio n Costs. 
Default: The following provision applies to borrowers in Ida ho, Kansas, and 
Maine: You will be in default if (1) you do not make a pay ment of the required 
amount when due; or (2) we believe the prospect of payment, performance, or 
realization on any property given as security is si gnificantly impaired. 
The following provision applies to borrowers subjec t to the Wisconsin 
Consumer Act:  You shall be in default under this Agreement if an y of the following 
occur: (a) you fail to make a payment when due on 2  occasions within any 12- 
month period; OR (b) you breach any term or conditi on of this Agreement, which 
breach materially impairs your ability to pay amoun ts when due or materially 
impairs the condition, value, or protection of our rights to or in any collateral 
securing this transaction. In this Agreement, �You� and �your� mean any person  who accepts this Agreement or uses the Card. The � Card� means any credit card issued to you or those designated 
by you under the terms of this Agreement. �We�, �us �, �our� and the �Credit Union� means Vibrant Credi t Union or its successors. By using your card, you a gree to all of 
the terms and conditions set forth herein. 
page 1 of 3 Using Your Card.  You can purchase or lease goods and services from any 
merchant who honors your Card, and you may obtain c ash advances from financial 
institutions and ATM machines that accept the Card,  up to your maximum credit limit. 
You agree not to present your Card or obtain a cash  advance for any extension of 
credit in excess of your available credit limit; ho wever, if you do exceed your credit 
limit, you agree to make immediate payment sufficie nt to bring the balance below the 
credit limit. Certain purchases and cash advances r equire authorization prior to 
completion of the transaction. In some cases, you m ay be asked to provide 
identification. If our system is not working, we ma y not be able to authorize a 
transaction, even though you have sufficient credit  available. Also, for security 
reasons, we may block the use of your Card in certa in countries or geographic areas. 
We will have no liability to you or others if any o f these events occur. 
Personal Identification Number (PIN).  We may issue a Personal Identification 
Number (PIN) for use with your Card. This PIN is co nfidential and should not be 
disclosed to anyone. You may use your PIN and your Card to access your account, 
and all sums advanced will be added to your account  balance. In the event a use of 
your PIN constitutes an Electronic Funds Transfer, the terms and conditions of your 
Electronic Funds Transfer Agreement may affect your  rights. 
Promise To Pay.  You promise to pay us in U.S. dollars for (a) all purchases, cash 
advances, and balance transfers made by you or anyo ne whom you authorize to use 
the Card; (b) all Interest Charges and all other ch arges or fees as allowed by law; (c) 
collection costs and attorney's fees as permitted b y applicable law, and any costs 
incurred in the recovery of the Card as allowed by applicable law; and (d) credit in 
excess of your credit limit that we may extend to y ou. 
Illegal Transactions.  You agree that your Card and account will not be u sed to 
make or facilitate any illegal transactions as dete rmined by applicable law; and that 
any such use will constitute an event of default un der this Agreement. We may 
decline any transaction that we believe to be illeg al under applicable law, including 
but not limited to any transaction involving or rel ating to any gambling activity. You 
agree that we will have no liability or responsibil ity for any such use by you or any 
authorized user(s); or for declining any such trans action. You further agree to 
indemnify and hold us harmless from any suits, liab ility, damages or adverse action 
of any kind that results directly or indirectly fro m such illegal use. You promise to pay 
us any and all amounts owing on your Card for any t ransactions made by you, even 
if the transaction is determined to be illegal. 
Joint Accounts.  Each of you will be responsible, jointly and sever ally, for the 
repayment of amounts owed, regardless of who initia ted any transaction under the 
account. 
Others Using Your Account.  If you allow anyone else to use your account, you will 
be liable for all credit extended to such persons. You promise to pay for all purchases 
and advances made by anyone you authorize to use yo ur account, whether or not 
you notify us that he or she will be using it. If s omeone else is authorized to use your 
account and you want to end that person's privilege , you must notify us in writing, and 
if he or she has a Card, you must return that Card with your written notice for it to be 
effective. 
9011 LASER FPDF FI15970 Rev 8-2018 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved. BORROWER 1 
BORROWER 2 ACCOUNT NUMBER 
DATE 
Vibrant Credit Union 
1900 52nd Avenue 
Moline, IL 61265 
(309) 796-7500  The following provision applies to all other borrow ers:  You will be in default if: (1) 
you fail to make any payment on time; (2) if you fa il to keep any promises you have 
made under this Agreement or under other Agreements  you have with us; (3) if you 
die; (4) if you file a petition in bankruptcy or ha ve a bankruptcy petition filed against 
you, or if you become involved in any insolvency, r eceivership or custodial 
proceeding; (5) if anyone attempts to take any of y our funds held by us via legal 
process or if you have a judgment or tax lien filed  against you; (6) if you make any 
false, inaccurate, or misleading statements in any credit application or credit update; 
or (7) if we, in good faith, believe that your abil ity to repay what you owe is or soon 
will be impaired, or that you are unwilling to make  your payments. 
If you are in default, we have the right to demand immediate payment of your full 
account balance without giving you notice. If immed iate payment is demanded, you 
agree to continue paying interest charges and fees until what you owe has been 
paid, and any shares that were given as security fo r your account may be applied 
towards what you owe. You agree to pay all reasonab le costs of collection, including 
court costs and attorney's fees, and any costs incu rred in the recovery of the Card, 
subject to applicable law. Even if your unpaid bala nce is less than your credit limit, 
you will have no credit available during any time t hat any aspect of your account is in 
default. 
Actions Upon Default:  If applicable state law requires a notice of defau lt and an 
opportunity to cure that default, we will grant you  those rights before we exercise our 
remedies.  If you default, upon the expiration of a ny applicable rights to cure that 
default, we may declare all amounts immediately due  and payable, and you must 
immediately pay us the total unpaid balance (as wel l as interest charges to date, if 
allowed by applicable law), any late charges, and a ll collection costs permitted under 
law. The principal balance in default shall bear in terest at the contract rate, or a 
default rate if one has been disclosed to you, or a nother rate if required by applicable 
law. If immediate payment is demanded, you agree to  continue paying interest 
charges and fees 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. Even if your 
unpaid balance is less than your credit limit, you will have no credit available during 
any time that any aspect of your account is in defa ult. 
Costs of Collection:  You shall pay all costs incurred by us in collecti ng any amount 
you owe or in enforcing or protecting our rights. C osts of collection include, but are 
not limited to, collection agency fees. The following applies to all borrowers except 
Wisconsin borrowers: Costs of collection include reasonable attorney�s f ees for any 
action taken by any attorney as allowed by applicab le law in order to collect this loan 
or preserve or protect our rights and remedies, inc luding, without limitation, pre-suit 
demands for payment, pre-suit mediation or settleme nt negotiations, investigation 
and assessment of our rights, participation in bank ruptcy cases, matters, and 
proceedings (including, without limitation, filing proofs of claim, pursuing reaffirmation 
agreements, attending meetings of creditors, and pu rsuing complaints, motions, and 
objections that relate in any way to the credit uni on's collateral or right to payment), 
collateral disposition, non- bankruptcy suits and/o r administrative actions, and 
appeals. For Alabama borrowers:  attorney's fees after default shall not exceed 15%
of the unpaid debt, or such higher amount as a cour t may allow. For Georgia 
borrowers:  attorney's fees shall not exceed 15% of principal and accrued interest, or 
such higher amount as a court may allow. For Wisconsin borrowers:  We may collect 
only those costs and fees allowed by the Wisconsin Consumer Act, other applicable 
Wisconsin law, or by a court of competent jurisdict ion. 
Suspension of electronic services and access to sha re or deposit accounts. 
Subject to applicable law, we may suspend some or a ll electronic services and 
access to your checking or other account(s) if you become delinquent on any of your 
credit card or deposit obligations to us or you cau se a loss to us. We shall not be 
liable to you in any regard in connection with such  suspension of services. 
Additional Benefits/Card Enhancements.  We may from time to time offer 
additional services to your Account at no additiona l cost to you. You understand that 
we are not obligated to offer such services and may  withdraw or change them at any 
time. 
Convenience Checks.  We may, at our discretion, issue checks to you whi ch may 
be used for any purpose other than making a payment  for credit to your account. By 
signing such check, you authorize us to pay the ite m for the amount indicated and 
post such amount as a cash advance to your account.  We do not have to pay any 
item which would cause the outstanding balance in y our account to exceed your 
credit limit. 
Credit Information.  We may from time to time request personal informat ion from 
you or obtain credit reports from the credit report ing agencies for the purpose of 
updating your credit status. Your failure to provid e such information when requested 
by us may result in suspension of credit privileges  under this Agreement, including 
your ability to obtain any future advances by any m eans. You authorize us to 
investigate your credit standing when opening or re viewing your account. You 
authorize us to disclose information regarding your  account to credit bureau and 
creditors who inquire about your credit standing. Foreign Transactions; Currency Conversion.  Purchases and cash advances 
made in foreign currencies will be billed to you in  U.S. dollars. The conversion rate in 
dollars will be a rate selected by the card company  from a range of rates available in 
wholesale currency markets for the applicable centr al processing date, which rate 
may vary from the rate the card company itself rece ives, or the government- 
mandated rate in effect for the applicable central processing date in each instance. All 
transactions processed outside of the United States  (which may include internet 
transactions) will be charged a foreign transaction  fee in the amount disclosed on 
your Truth-in-Lending Statement (as amended from ti me to time). 
Termination; Change-in-Terms.  We may, by written notice, terminate this 
Agreement at any time, subject to applicable law. Y ou may terminate this Agreement 
by written notice. T ermination by either party shal l not affect your obligation to repay 
any balance on your account resulting from use of t he Card as well as Interest 
Charges and fees incurred. We may change the terms of this Agreement, including 
the method of calculating the periodic rate, at any  time, by written notice, subject to 
applicable law. Use of the Card constitutes agreeme nt and acceptance of any 
change in terms, unless applicable law requires oth erwise. Our failure to exercise 
any of our rights or to take any action shall not c onstitute a waiver of those rights, or 
an amendment or change in any of the terms of this Agreement. 
Late or Partial Payments.  Any payment that delays the reduction of your bala nce 
will increase your total interest costs. Partial pa yments or prepayments will not delay 
your next scheduled payment - you will still need t o make the minimum scheduled 
payment by the next scheduled due date to keep your  account current. We may 
accept late payments, partial payments, checks or m oney orders marked "payment 
in full" and such action shall not constitute final  settlement of your account or a waiver 
or forgiveness of any amounts owing under this Agre ement. 
Enforcement.  We do not lose our rights under this or any relate d agreement if we 
delay enforcing them. If any provision of this or a ny related agreement is determined 
to be unenforceable or invalid, all other provision s remain in full force and effect. 
Returns and Adjustments.  Merchants and others who honor the Card may give 
credit for returns or adjustments, and they will do  so by submitting a credit slip which 
will be posted to your account. If your credits and  payments exceed what you owe 
us, the amount will be applied against future purch ases and cash advances. If the 
credit balance amount is $1 or more, it will be ref unded upon your written or verbal 
request. 
Plan Merchant Disputes.  We are not responsible for the refusal of any plan
merchant or financial institution to honor your Car d. Also, we are not responsible for 
goods or services that you purchase with the Card u nless: (a) your purchase was 
made in response to an advertisement we sent or par ticipated in sending you; or (b) 
your purchase cost more than $50 and was made from a plan merchant in your state 
or within 100 miles of your home; and only if you h ave made a good faith attempt, 
but have been unable to obtain satisfaction from th e plan merchant. You must 
resolve all other disputes directly with the plan m erchant. We do not warrant any 
merchandise or services purchased by you with the C ard. 
Statements and Notices.  Statements and notices will be mailed to you at th e most 
recent postal address or e-mail address (if you hav e elected to receive such 
documents via electronic means) you have given us. Notice sent to any one of you 
will be considered notice to all. 
Notification of Address Change. You will notify us promptly if you change your 
address for any reason. In order to prevent identit y theft, your identity may need to be 
verified before we act upon the notification. 
Copy Received.  You acknowledge that you have received a copy of t his Agreement. 
Governing Law.  This Agreement shall be construed under federal la w and state law 
in the state in which we are primarily located, and  the venue shall be located in the 
county and state in which we are primarily located.  Operating regulations of 
Mastercard may also apply. This Agreement is the co ntract that applies to all 
transactions even though the sales, cash advance, c onvenience check, credit or 
other slips you sign or receive may contain differe nt terms. 
NOTICE TO UTAH BORROWERS:  This written agreement is a final expression of 
the agreement between you and the Credit Union. Thi s written agreement may not 
be contradicted by evidence of any oral agreement. 
NOTICES TO WISCONSIN BORROWERS : (1)  If you are married and are extended 
individual credit, Wis. Stat. 766.56(3)(b) requires  us to notify your spouse of the 
extension of credit. If we receive written notice o f termination from your spouse 
pursuant to Wis. Stat. Section 766.565(5), we may d eclare you in default of the Plan 
and call the entire extension of credit due and pay able notwithstanding Wis. Stat. 
Sections 425.103 and 425.105. If the Plan is called  due and payable, you may have 
certain rights to cure the default.  (2) Additionally, no provision of a marital property 
agreement, a unilateral agreement under Wis. Stat. 766.59, or a court decree under 
Wis. Stat. 766.70 adversely affects our interests u nless prior to the time the credit is 
extended, we are furnished with a copy of the agree ment or statement, or have 
actual knowledge of the adverse provision when the obligation is incurred. 
page 2 of 3 BORROWER NAME ACCOUNT NUMBER  BILLING RIGHTS NOTICE 
page 3 of 3 1. 
2. 
3. Your Billing Rights: Keep this Document for Future Use 
This notice tells you about your rights and our responsibilities under the Fair 
Credit Billing Act. 
What To Do If You Find A Mistake On Your Statement 
If you think there is an error on your statement, write to us at the address(es) 
listed on your statement. 
In your letter, give us the following information: 
Within 60 days after the error appeared on your statement. 
At least 3 business days before an automated payment is scheduled, if 
you want to stop payment on the amount you think is wrong. �
�You must contact us: 
You must notify us of any potential errors in writing. 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. 
What Will Happen After We Receive Your Letter 
When we receive your letter, we must do two things: 
Within 30 days of receiving your letter, we must tell you that we received 
your letter. We will also tell you if we have already corrected the error. 
Within 90 days of receiving your letter, we must either correct the error or 
explain to you why we believe the bill is correct. 1. 
2. 
�
�
�
�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. 
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. If all of the criteria above are met and you are still dissatisfied with the 
purchase, contact us in writing at the address(es) listed on your statement. 
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. If you receive our explanation but still believe your bill is wrong, you must write 
to us within 10 days telling us that you still refuse to pay. If you do so, we 
cannot report you as delinquent without also reporting that you are 
questioning your bill. We must tell you the name of anyone to whom we 
reported you as delinquent, and we must let those organizations know when 
the matter has been settled between us. 
If we do not follow all of the rules above, you do not have to pay the first $50 
of the amount you question even if your bill is correct. 
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: If we made a mistake: You will not have to pay the amount in question or 
any interest or other fees related to that amount. 
If we do not believe there was a mistake: You will have to pay the 
amount in question, along with applicable interest and fees. We will send 
you a statement of the amount you owe and the date payment is due. We 
may then report you as delinquent if you do not pay the amount we think 
you owe. �
�After we finish our investigation, one of two things will happen: 
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. (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. 1. 
2. 
3. While we investigate whether or not there has been an error: Your name and account number. 
The dollar amount of the suspected error. 
If you think there is an error on your bill, describe what you believe is 
wrong and why you believe it is a mistake. BORROWER NAME ACCOUNT NUMBER  The following disclosure represents important details concerning your credit card. The information about costs of the card areaccurate as of ________________.You can contact us toll free at (800) 323-5109 or 1900 52nd Avenue, Moline, IL 61265 toinquire if any changes occurred since the effective date.
Paying InterestYour due date is at least 21 days after we mail your billing statement. We will notcharge you interest on purchases if you pay your entire new purchase balance by thedue date each month. We will begin charging interest on cash advances and balancetransfers on the date the cash advance or balance transfer is posted to your account.Minimum Interest ChargeNoneFor Credit Card Tips from theConsumer FinancialProtection BureauTo learn more about factors to consider when applying for or using a credit card, visit thewebsite of the Consumer Financial Protection Bureau athttp:// www.consumerfinance.gov/learnmoreIMPORTANT CREDIT CARD DISCLOSURES
INTEREST RATES and INTEREST CHARGES:Annual Percentage Rate (APR)for Purchases, Cash Advances,& Balance Transfers
9009 LASER FPDF FI15968 Rev 8-2018 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.
9.90%- 18.00%Vibrant Credit Mastercard /Vibrant Credit Secured Mastercard
� Balance Transfer:� Cash Advance:� Foreign Transaction:NoneNoneTransaction FeesNoneNone1% of each transaction in U.S. dollars if the transaction involves a currency conversion1% of each transaction in U.S. dollars if the transaction does not involve a currencyconversion� Annual Fee:� Application Fee:Fees to Open or Maintain yourAccountFEES:Vibrant Credit Union
1900 52nd AvenueMoline, IL 61265(309) 796-7500
depending on your credit historyVibrant Credit Rewards Mastercard /Vibrant Credit Secured Rewards Mastercard18.00%- 23.99%
depending on your credit history
Penalty APR and When itAppliesHow Long Will the Penalty APRApply? If we increase your APRsdue to a late payment, we may keepthem at this higher level on existingand new balances until you make sixconsecutive on-time payments.This APR may be applied to youraccount if you make a payment thatis late 60 days or more.18.00%How Long Will the Penalty APR Apply? Ifwe increase your APRs due to a latepayment, we may keep them at this higherlevel on existing and new balances until youmake six consecutive on-time payments.This APR may be applied to your account ifyou make a payment that is late 60 days ormore.23.99%
Vibrant Credit Mastercard /Vibrant Credit Secured MastercardVibrant Credit Rewards Mastercard /Vibrant Credit Secured Rewards Mastercard$0.00 for the first year; $50.00 thereafterNone
SEE NEXT PAGE for more important information about this account
page 1 of 2 If your payment is more than 10 days late, up to $25.00 for the first offense and up to$35.00 each if 2 or more offenses occur within 6 months.If you exceed your credit limit, up to $25.00 for the first offense and up to $35.00 each if 2 or more offenses occur within 6 months.If your payment is returned for any reason, up to $25.00 for the first offense and up to$35.00 each if 2 or more offenses occur within 6 months.Penalty Fees� Late Payment:� Over-the-Credit Limit:� Returned Payment:FEES:
How We Will CalculateYour Balance: We use a method called "average daily balance (including new purchases)."
page 2 of 2