Vibrant Credit Uni 4* 1900 52nd Avenue non TRUTH-IN-LENDING DISCLOSURE Moline, IL 61265 STATEMENT - ACCOUNT OPENING DISCLOSURES vibrant (309) 796-7500 CREDIT UNION   BORROWER 1 NAME DATE   BORROWER 2 NAME ACCOUNT NUMBER     The following disclosure represents important details concerning your credit card. This statement is incorporated into and becomes a part of your Credit Card Agreement. We reserve the right to periodically review your credit standing and to increase any rate on your new balances, in accordance with applicable law. INTEREST RATES and INTEREST CHARGES:     Annual Percentage Rate (APR) % for Purchases, Cash Advances, & Balance Transfers     Paying Interest Your due date is at least 21 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire new purchase balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the date the cash advance or balance transfer is posted to your account.           Minimum Interest Charge None For Credit Card Tips from the Tolearn more about factors to consider when applying for or using a credit card, Consumer Financial visit the website of the Consumer Financial Protection Bureau at http:// Protection Bureau www.consumerfinance.gov/learnmore FEES: Fees to Open or Maintain your Account - Annual Fee: None - Application Fee: None   Transaction Fees - Balance Transfer: None - Cash Advance: None - Foreign Transaction: 1% of each transaction in U.S. dollars if the transaction involves a currency conversion 1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion   Penalty Fees - Late Payment: 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. - Over-the-Credit Limit: 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. - Returned Payment: 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.   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. SEE NEXT PAGE for more important information about this account 9010 LASER FPDF FI15969 Rev 11-2015 page 1 of 2 COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.OTHER IMPORTANT DISCLOSURES:     THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT,WE CAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given are not subject to this security interest.   If you have other loans with us, collateral securing such loans will also secure your obligations under this Agreement, unless that other collateral is your principal residence or non-purchase money household goods.       Daily Periodic Rates: Purchases, Cash Advances, & Balance Transfers: % Other Fees: In addition to the fees disclosed above, the following fees may be imposed: Card Replacement Fee: $10.00 No Charge - Police Report Required Minimum Payment Requirement: 2 % of the outstanding balance, subject to a minimum of $10.00. page 2 of 2