M-123145
                                                 CREDIT CARD 
                  CREDIT CARD                    CREDIT CARD  ACCOUNT
                     ACCOUNT                        ACCOUNT OPENING
                                   CREDIT CARD 
                     OPENING                      DISCLOSURE OPENING
                                      ACCOUNT
                  DISCLOSURE                      DISCLOSURE
                                      OPENING
                                   DISCLOSURE                       VISA PLATINUM
                                     VISA PLATINUM                  VISA 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. VISA PLATINUM
 Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure. Interest Rates and Interest Charges Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.
 This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement & 
 Interest Rates and Interest Charges Annual Percentage Rate (APR) for  Interest Rates and Interest Charges
 Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure. 7.90%
 Annual Percentage Rate (APR) for  Annual Percentage Rate (APR) for  Purchases
 Interest Rates and Interest Charges 7.90% 7.90%
 Purchases APR for Balance Transfers Purchases 7.90%
 Annual Percentage Rate (APR) for 
 APR for Balance Transfers 7.90% APR for Balance Transfers APR for Cash Advances 7.90% 15.90% 7.90%
 Purchases
 APR for Cash Advances 15.90% APR for Cash Advances Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will 15.90%
 APR for Balance Transfers 7.90%
 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 not charge You any interest on purchases or balance transfers if You pay 
 APR for Cash Advances 15.90%
  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 
 Paying Interest Your entire balance by the due date each month. We will begin charging  Your due date is at least 25 days after the close of each billing cycle. We will interest on cash advances on the transaction date. Your entire balance by the due date each month. We will begin charging 
  interest on cash advances on the transaction date. not charge You any interest on purchases or balance transfers if You pay 
      Minimum Interest Charge    interest on cash advances on the transaction date. If You are charged interest, the charge will be no less than $0.50.
                   Your entire balance by the due date each month. We will begin charging 
 Minimum Interest Charge If You are charged interest, the charge will be no less than $0.50. Minimum Interest Charge For Credit Card Tips from the  To learn more about factors to consider when applying for or using a  If You are charged interest, the charge will be no less than $0.50.
                   interest on cash advances on the transaction date.
 For Credit Card Tips from the  To learn more about factors to consider when applying for or using a  Consumer Financial Protection Bureau For Credit Card Tips from the  To learn more about factors to consider when applying for or using a  credit card, visit the website of the Consumer Financial Protection 
 Minimum Interest Charge If You are charged interest, the charge will be no less than $0.50.
 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  Bureau at http://www.consumerfinance.gov/learnmore.
 For Credit Card Tips from the  Bureau at http://www.consumerfinance.gov/learnmore. To learn more about factors to consider when applying for or using a 
      Fees                       Bureau at http://www.consumerfinance.gov/learnmore.
 Consumer Financial Protection Bureau credit card, visit the website of the Consumer Financial Protection 
 Fees Annual Fee Fees
                   Bureau at http://www.consumerfinance.gov/learnmore.
 Annual Fee Annual Fee - Annual Fee  None
 Fees
 - Annual Fee  None - Annual Fee  None
 Annual Fee Transaction Fees
 - Annual Fee      None
 Transaction Fees - Balance Transfer Fee Transaction Fees None
 - Balance Transfer Fee None - Foreign Transaction Fee - Balance Transfer Fee 1.00% of each transaction in U.S. dollars None
 - Foreign Transaction Fee Transaction Fees 1.00% of each transaction in U.S. dollars - Foreign Transaction Fee 1.00% of each transaction in U.S. dollars
 - Balance Transfer Fee None
      Penalty Fees
 - Foreign Transaction Fee 1.00% of each transaction in U.S. dollars
 Penalty Fees Penalty Fees - Late Payment Fee Up to $25.00
 - Late Payment Fee Up to $25.00 - Late Payment Fee - Returned Payment Fee Up to $25.00 Up to $25.00
 - Returned Payment Fee Penalty Fees Up to $25.00 - Returned Payment Fee Up to $25.00
 - Late Payment Fee How We Will Calculate Your Balance: Up to $25.00
 - Returned Payment Fee We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash  Up to $25.00
 How We Will Calculate Your Balance: How We Will Calculate Your Balance:
 We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash  advances)." See Your Account Agreement for more details. We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash 
 advances)." See Your Account Agreement for more details. How We Will Calculate Your Balance: advances)." See Your Account Agreement for more details.
 We use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash  Minimum Interest Charge:
 Minimum Interest Charge: advances)." See Your Account Agreement for more details. The minimum interest charge will be charged on any dollar amount. 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.
 Minimum Interest Charge: Billing Rights:
 Billing Rights: The minimum interest charge will be charged on any dollar amount. Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Billing Rights:
 Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Agreement. Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account
 Agreement. Billing Rights: Agreement.
 Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account Military Lending Act Disclosures:
 Military Lending Act Disclosures: Agreement. 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  Military Lending Act Disclosures: 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  Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions  account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the  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 credit insurance premiums; fees for ancillary products sold in connection with the  of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent  credit transaction; any application fee charged (other than certain application fees for specified credit transactions or  account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the 
 credit transaction; any application fee charged (other than certain application fees for specified credit transactions or  may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or  credit transaction; any application fee charged (other than certain application fees for specified 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). account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the  accounts); and any participation fee charged (other than certain participation fees for a credit card account).
 credit transaction; any application fee charged (other than certain application fees for specified credit transactions or  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  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  of the payment obligation.
 of the payment obligation. of the payment obligation.
 Please call us at (800) 388-2000 to receive oral disclosures of the Military Lending Act disclosure above and a description 
                                      SEE NEXT PAGE for more important information about Your Account.
 of the payment obligation.
     � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved SEE NEXT PAGE for more important information about Your Account. SEE NEXT PAGE for more important information about Your Account. M-123145 03105847-MXC20-P-1-081817 (MXC201-E)
 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved M-123145 03105847-MXC20-P-1-081817 (MXC201-E) M-123145 03105847-MXC20-P-1-081817 (MXC201-E)
                       SEE NEXT PAGE for more important information about Your Account.
 � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved M-123145 03105847-MXC20-P-1-081817 (MXC201-E)
     Other Fees & Disclosures:
     Late Payment Fee:
     $25.00 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  7.90% 0.6580% .
     The Balance Transfer APR is                which is a monthly periodic rate of  7.90% 0.6580% .
     The Cash Advance APR is                which is a monthly periodic rate of  15.90% 1.3250% .
     � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved M-123145 03105847-MXC20-P-1-081817 (MXC201-E)