
 
&21680(5&5(',7&$5'$*5((0(17 
,Q WKLV $JUHHPHQW �$JUHHPHQW� PHDQV WKLV &RQVXPHU &UHGLW &DUG$JUHHPHQW �'LVFORVXUH� PHDQV WKH &UHGLW &DUG$FFRXQW2SHQLQJ'LVFORVXUH7KH$FFRXQW2SHQLQJ'LVFORVXUHLVLQFRUSRUDWHGLQWRWKLV&RQVXPHU&UHGLW&DUG$JUHHPHQWDQGLVSDUWRIWKH$JUHHPHQW,QWKLV$JUHHPHQWWKHZRUGV\RX�\RXU�DQG\RXUVPHDQHDFKDQGDOORIWKRVHZKRDJUHH WR EH ERXQG E\ WKLV $JUHHPHQW FDUG PHDQV WKH 0DVWHU&DUG FUHGLW FDUG DQG DQ\ GXSOLFDWHV UHQHZDOV RUVXEVWLWXWLRQVWKH&UHGLW8QLRQLVVXHVWR\RXDFFRXQWPHDQV\RXU0DVWHU&DUGFUHGLWFDUGOLQHRIFUHGLWDFFRXQWZLWKWKH&UHGLW8QLRQDQG&UHGLW8QLRQPHDQVWKH&UHGLW8QLRQZKRVHQDPHDSSHDUVRQWKLV$JUHHPHQWRUDQ\RQHWRZKRPWKH&UHGLW8QLRQWUDQVIHUVWKLV$JUHHPHQW 86,1*<285$&&2817�,I\RXDUHDSSURYHGIRUDQDFFRXQWWKH&UHGLW8QLRQZLOOHVWDEOLVKDOLQHRIFUHGLWIRU\RX <RX DJUHH WKDW \RXU FUHGLW OLPLW LV WKH PD[LPXP DPRXQW SXUFKDVHV FDVK DGYDQFHV ILQDQFH FKDUJHV SOXV RWKHUFKDUJHVZKLFK\RXZLOOKDYHRXWVWDQGLQJRQ\RXUDFFRXQWDWDQ\WLPH8QOHVVGLVFORVHGRWKHUZLVHWKH&UHGLW8QLRQZLOOQRWDOORZDGYDQFHVRYHUWKHFUHGLWOLPLW,IWKH&UHGLW8QLRQKDVDSURJUDPZKHUHE\LWDOORZVSD\PHQWRIDGYDQFHVWKDWH[FHHG \RXU FUHGLW OLPLW VXEMHFW WR D IHH WKH &UHGLW 8QLRQ ZLOOSURYLGH \RX ZLWK QRWLFHHLWKHURUDOO\ LQ ZULWLQJRUHOHFWURQLFDOO\QRWZLWKVWDQGLQJWKHUHTXLUHPHQWVRIWKHSDUDJUDSKHQWLWOHG�6WDWHPHQWVDQG1RWLFHV�H[SODLQLQJ\RXUULJKWWRRSWLQWRWKH&UHGLW8QLRQ�VSURJUDPZKHUHE\LWZLOOKRQRUDGYDQFHUHTXHVWVRYHUWKHFUHGLWOLPLW,QWKHHYHQW\RXRSWLQWRVXFKDSURJUDP\RXDJUHHWRWKHWHUPVRIVXFKDSURJUDP<RXPD\UHTXHVWDQLQFUHDVHLQ\RXUFUHGLWOLPLWRQO\E\DPHWKRGDFFHSWDEOHWRWKH&UHGLW8QLRQ7KH&UHGLW8QLRQPD\LQFUHDVHRUGHFUHDVH\RXUFUHGLWOLPLWUHIXVHWRPDNHDQDGYDQFHDQGRUWHUPLQDWH\RXUDFFRXQWDWDQ\WLPHIRUDQ\UHDVRQQRWSURKLELWHGE\ODZ,I\RXDUHSHUPLWWHGWRREWDLQFDVKDGYDQFHVRQ\RXUDFFRXQWZHPD\IURPWLPHWRWLPHLVVXHFRQYHQLHQFHFKHFNVWR\RXWKDWPD\EHGUDZQRQ\RXUDFFRXQW&RQYHQLHQFHFKHFNVPD\QRWEHXVHGWRPDNHDSD\PHQWRQ\RXUDFFRXQWEDODQFH,I\RXXVHDFRQYHQLHQFHFKHFNLWZLOOEHSRVWHGWR\RXUDFFRXQWDVDFDVKDGYDQFH:HUHVHUYHWKHULJKWWRUHIXVHWRSD\DFRQYHQLHQFHFKHFNGUDZQRQ\RXUDFFRXQWIRUDQ\UHDVRQDQGVXFKUHIXVDOVKDOOQRWFRQVWLWXWHZURQJIXOGLVKRQRU<RXPD\UHTXHVWWKDWZHVWRSWKHSD\PHQWRIDFRQYHQLHQFHFKHFNGUDZQRQ\RXUDFFRXQW<RXDJUHHWRSD\DQ\IHHLPSRVHGWRVWRSDSD\PHQWRQDFRQYHQLHQFHFKHFNLVVXHGRQ\RXUDFFRXQW<RXPD\PDNHDVWRSSD\PHQWUHTXHVWRUDOO\LISHUPLWWHGRULQZULWLQJ<RXUUHTXHVWPXVWEHPDGHZLWKVXIILFLHQWWLPHLQDGYDQFHRIWKHSUHVHQWPHQWRIWKHFKHFNIRUSD\PHQWWRJLYHXVDUHDVRQDEOHRSSRUWXQLW\WRDFWRQ\RXUUHTXHVW,QDGGLWLRQ\RXUUHTXHVWPXVWDFFXUDWHO\GHVFULEHWKHFKHFNLQFOXGLQJWKHH[DFWDFFRXQWQXPEHUWKHSD\HHDQ\FKHFNQXPEHUWKDWPD\EHDSSOLFDEOHDQGWKHH[DFWDPRXQWRIWKHFKHFN,ISHUPLWWHG\RXPD\PDNHDVWRSSD\PHQWUHTXHVWRUDOO\EXWVXFKDUHTXHVWZLOOH[SLUHDIWHUGD\VXQOHVV\RXFRQILUP\RXUUHTXHVWLQZULWLQJZLWKLQWKDWWLPH:ULWWHQVWRSSD\PHQWRUGHUVDUHHIIHFWLYHRQO\IRUVL[PRQWKVDQGPD\EHUHQHZHGIRUDGGLWLRQDOVL[PRQWKSHULRGVE\UHTXHVWLQJLQZULWLQJWKDWWKHVWRSSD\PHQWRUGHUEHUHQHZHG:HDUHQRWUHTXLUHGWRQRWLI\\RXZKHQDVWRSSD\PHQWRUGHUH[SLUHV,IZHUHFUHGLW\RXUDFFRXQWDIWHUSD\LQJDFKHFNRUGUDIWRYHUDYDOLGDQGWLPHO\VWRSSD\PHQWRUGHU\RXDJUHHWRVLJQDVWDWHPHQWGHVFULELQJWKHGLVSXWHZLWKWKHSD\HHWRDVVLJQWRXVDOORI\RXUULJKWVDJDLQVWWKHSD\HHRURWKHUKROGHUVRIWKHFKHFNRUGUDIWDQGWRDVVLVWXVLQDQ\OHJDO DFWLRQ <RX DJUHH WR LQGHPQLI\ DQG KROG XV KDUPOHVV IURPDOO FRVWV DQG H[SHQVHV LQFOXGLQJ DWWRUQH\
V IHHVGDPDJHVRUFODLPVUHODWHGWRRXUKRQRULQJ\RXUVWRSSD\PHQWUHTXHVWRULQIDLOLQJWRVWRSSD\PHQWRIDQLWHPDVDUHVXOWRILQFRUUHFWLQIRUPDWLRQSURYLGHGWRXVRUWKHJLYLQJRILQDGHTXDWHWLPHWRDFWXSRQDVWRSSD\PHQWUHTXHVW 86,1*<285&$5'�<RXXQGHUVWDQGWKDW WKHXVHRI\RXUFUHGLWFDUGRUFUHGLWFDUGDFFRXQW ZLOOFRQVWLWXWH DFNQRZOHGJHPHQWRIUHFHLSWDQGDJUHHPHQWWRWKHWHUPVRIWKH&UHGLW&DUG$JUHHPHQWDQG&UHGLW&DUG$FFRXQW2SHQLQJ'LVFORVXUH'LVFORVXUH<RXPD\XVH\RXUFDUGWRPDNHSXUFKDVHVIURPPHUFKDQWVDQGRWKHUVZKRDFFHSW\RXUFDUG7KHFUHGLWXQLRQLVQRWUHVSRQVLEOHIRUWKHUHIXVDORIDQ\PHUFKDQWRUILQDQFLDOLQVWLWXWLRQWRKRQRU\RXUFDUG,I\RXZLVKWR SD\IRUJRRGVRUVHUYLFHVRYHUWKH,QWHUQHW\RXPD\EHUHTXLUHGWRSURYLGHFDUGQXPEHUVHFXULW\LQIRUPDWLRQEHIRUH\RXZLOOEHSHUPLWWHGWRFRPSOHWHWKHWUDQVDFWLRQ,QDGGLWLRQ\RXPD\REWDLQFDVKDGYDQFHVIURPWKH&UHGLW8QLRQIURPRWKHUILQDQFLDOLQVWLWXWLRQVWKDWDFFHSW\RXUFDUGDQGIURPVRPHDXWRPDWHGWHOOHUPDFKLQHV$70V1RWDOO$70VDFFHSW\RXUFDUG,IWKHFUHGLWXQLRQDXWKRUL]HV$70WUDQVDFWLRQVZLWK\RXUFDUGLWZLOOLVVXH\RXDSHUVRQDOLGHQWLILFDWLRQQXPEHU3,17RREWDLQFDVKDGYDQFHVIURPDQ$70\RXPXVWXVHWKH3,1LVVXHGWR\RXIRUXVHZLWK\RXUFDUG<RXDJUHHWKDW\RXZLOOQRWXVH\RXUFDUGIRUDQ\WUDQVDFWLRQWKDWLVLOOHJDOXQGHUDSSOLFDEOHIHGHUDOVWDWHRUORFDOODZ(YHQLI\RXXVH\RXUFDUGIRUDQLOOHJDOWUDQVDFWLRQ\RXZLOOEHUHVSRQVLEOHIRUDOODPRXQWVDQGFKDUJHVLQFXUUHGLQFRQQHFWLRQZLWKWKHWUDQVDFWLRQ,I\RXDUHSHUPLWWHGWRREWDLQFDVKDGYDQFHVRQ\RXUDFFRXQW\RXPD\DOVRXVH\RXUFDUGWRSXUFKDVHLQVWUXPHQWVDQGHQJDJHLQWUDQVDFWLRQVWKDWZHFRQVLGHUWKHHTXLYDOHQWRIFDVK6XFKWUDQVDFWLRQVZLOOEHSRVWHGWR\RXUDFFRXQWDVFDVKDGYDQFHVDQGLQFOXGHEXWDUHQRWOLPLWHGWRZLUHWUDQVIHUVPRQH\RUGHUVEHWVORWWHU\WLFNHWVDQGFDVLQRJDPLQJFKLSVDVDSSOLFDEOH7KLVSDUDJUDSKVKDOOQRWEH
LQWHUSUHWHGDVSHUPLWWLQJRUDXWKRUL]LQJDQ\WUDQVDFWLRQWKDWLVLOOHJDO 
DXTG5 (MXC503 CCM004) �CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved  3520,6( 72 3$< �<RX SURPLVH WR SD\ DOO FKDUJHV SXUFKDVHV FDVK DGYDQFHV EDODQFH WUDQVIHUV XVH RI FRQYHQLHQFHFKHFNVRUDQ\RWKHUFKDUJHPDGHWR\RXUDFFRXQWE\\RXRUDQ\RQH\RXDXWKRUL]HWRXVH\RXUDFFRXQW<RXDOVRSURPLVHWRSD\DOOILQDQFHFKDUJHVDQGRWKHUFKDUJHVDGGHGWR\RXUDFFRXQWXQGHUWKHWHUPVRIWKLV$JUHHPHQWRUDQRWKHUDJUHHPHQW\RXPDGHZLWKWKH&UHGLW8QLRQ,IWKLVLVDMRLQWDFFRXQWWKHSDUDJUDSKRQ-2,17$&&28176DOVRDSSOLHVWR\RXUDFFRXQW 3(5,2',&5$7(6�7KHSHULRGLFUDWHVDSSOLFDEOHWRSXUFKDVHVFDVKDGYDQFHVDQGEDODQFHWUDQVIHUVDUH GLVFORVHGRQWKH'LVFORVXUHWKDWDFFRPSDQLHVWKLV$JUHHPHQW$Q\SHQDOW\UDWHWKDWPD\EHLPSRVHGIRUIDLOLQJWRPDNHDSD\PHQW E\ WKH SD\PHQW GXH GDWHLV DOVR GLVFORVHGRQ WKH'LVFORVXUH $Q\ UDWH FKDQJH ZLOO EHPDGH SXUVXDQW WRDSSOLFDEOHODZ,IWKHUDWHIRU\RXUDFFRXQWLVYDULDEOHDVLQGLFDWHGRQWKHDFFRPSDQ\LQJ'LVFORVXUHWKHUDWHFKDUJHGRQSXUFKDVHVFDVKDGYDQFHVEDODQFHWUDQVIHUVDQGDQ\SHQDOW\UDWHZLOOYDU\SHULRGLFDOO\DVGLVFORVHGLQWKH'LVFORVXUHDFFRPSDQ\LQJWKLV$JUHHPHQW7KHLQLWLDOUDWHRQ\RXUDFFRXQWIRUFHUWDLQW\SHVRIWUDQVDFWLRQVPD\EHDQLQWURGXFWRU\GLVFRXQWHGUDWH,QWURGXFWRU\5DWHWKDWLVORZHUWKDQWKHUDWHWKDWZRXOGRUGLQDULO\DSSO\IRUWKDWW\SHRIWUDQVDFWLRQ,IDQ ,QWURGXFWRU\5DWHDSSOLHVWR\RXUDFFRXQWWKHUDWHVDQGWKHSHULRGRIWLPHLWZLOOEHHIIHFWLYHLVVKRZQRQWKH'LVFORVXUHDFFRPSDQ\LQJWKLV$JUHHPHQW$IWHUWKH,QWURGXFWRU\5DWHSHULRGH[SLUHVWKHSHULRGLFUDWHZLOODXWRPDWLFDOO\LQFUHDVHWRWKHUDWHVWKDWZRXOGRUGLQDULO\DSSO\IRUWKDWW\SHRIWUDQVDFWLRQEDVHGRQWKHWHUPVRIWKLV$JUHHPHQW),1$1&(&+$5*(6�1HZSXUFKDVHVSRVWHGWR\RXUDFFRXQWGXULQJDELOOLQJF\FOHZLOOQRWLQFXUDILQDQFHFKDUJH IRUWKDWELOOLQJF\FOHLI\RXKDGD]HURRUFUHGLWEDODQFHDWWKHEHJLQQLQJRIWKDWELOOLQJF\FOHRU\RXSDLGWKHHQWLUHQHZEDODQFHRQWKHSUHYLRXVF\FOH
VELOOLQJVWDWHPHQWE\WKHSD\PHQWGXHGDWHRIWKDWVWDWHPHQWRWKHUZLVHDILQDQFHFKDUJHZLOODFFUXHIURPWKHGDWHDSXUFKDVHLVSRVWHGWR\RXUDFFRXQW7RDYRLGDQDGGLWLRQDOILQDQFHFKDUJHRQWKHEDODQFHRISXUFKDVHV\RXPXVWSD\WKHHQWLUHQHZEDODQFHRQWKHELOOLQJVWDWHPHQWE\WKHSD\PHQWGXHGDWHRIWKDWVWDWHPHQW$ILQDQFHFKDUJHEHJLQVWRDFFUXHRQFDVKDGYDQFHVIURPWKHGDWH\RXJHWWKHFDVKDGYDQFHRUIURPWKHILUVWGD\RIWKHELOOLQJF\FOHLQZKLFKWKHFDVKDGYDQFHLVSRVWHGWR\RXUDFFRXQWZKLFKHYHULVODWHUWUDQVDFWLRQGDWH7KHILQDQFHFKDUJHLVFDOFXODWHGVHSDUDWHO\IRUSXUFKDVHVDQGFDVKDGYDQFHV)RUSXUFKDVHVWKHILQDQFHFKDUJHLVFRPSXWHGE\DSSO\LQJWKHSHULRGLFUDWHWRWKHDYHUDJHGDLO\EDODQFHRISXUFKDVHV7RFDOFXODWHWKHDYHUDJHGDLO\EDODQFHRISXUFKDVHVZHWDNHWKHEHJLQQLQJRXWVWDQGLQJEDODQFHRISXUFKDVHVHDFKGD\DGGDQ\QHZSXUFKDVHVDQGVXEWUDFWDQ\SD\PHQWVDQGRUFUHGLWV7KLVJLYHVXVWKHGDLO\EDODQFHRISXUFKDVHV:HWKHQDGGDOORIWKHGDLO\EDODQFHVRISXUFKDVHVIRUWKHELOOLQJF\FOHWRJHWKHUDQGGLYLGHWKHWRWDOE\WKHQXPEHURIGD\VLQWKHELOOLQJF\FOH7KLVJLYHVXVWKHDYHUDJHGDLO\EDODQFHRISXUFKDVHV)RUFDVKDGYDQFHVWKHILQDQFHFKDUJHLVFRPSXWHGE\DSSO\LQJWKHSHULRGLFUDWHWRWKHDYHUDJHGDLO\EDODQFHRIFDVKDGYDQFHV7RFDOFXODWHWKHDYHUDJHGDLO\EDODQFHRIFDVKDGYDQFHVZHWDNHWKHEHJLQQLQJRXWVWDQGLQJEDODQFHRIFDVKDGYDQFHVHDFKGD\DGGLQDQ\QHZFDVKDGYDQFHVDQGVXEWUDFWDQ\SD\PHQWVDQGRUFUHGLWVWKDWZHDSSO\WRWKHFDVKDGYDQFHEDODQFH7KLVJLYHVXVWKHGDLO\EDODQFHRIFDVKDGYDQFHV:HWKHQDGGDOORIWKHGDLO\EDODQFHVRIFDVKDGYDQFHVIRUWKHELOOLQJF\FOHWRJHWKHUDQGGLYLGHWKHWRWDOE\WKHQXPEHURIGD\VLQWKHELOOLQJF\FOH7KLVJLYHVXVWKHDYHUDJHGDLO\EDODQFHRIFDVKDGYDQFHV%DODQFHWUDQVIHUVDUHFDOFXODWHGLQWKHVDPHPDQQHUDVFDVKDGYDQFHV)25(,*175$16$&7,216�3XUFKDVHVDQGFDVKDGYDQFHVPDGHLQIRUHLJQFXUUHQFLHVZLOOEHGHELWHGIURP\RXU DFFRXQWLQ86GROODUV7KHH[FKDQJHUDWHXVHGWRFRQYHUWIRUHLJQFXUUHQF\WUDQVDFWLRQVWR86GROODUVLVHLWKHUDJRYHUQPHQWPDQGDWHGH[FKDQJHUDWHRUDZKROHVDOHH[FKDQJHUDWHDQGLVVHOHFWHGE\0DVWHU&DUG7KHUDWH0DVWHU&DUGXVHVIRUDSDUWLFXODUWUDQVDFWLRQLVWKHUDWH0DVWHU&DUGVHOHFWVIRUWKHDSSOLFDEOHFXUUHQF\RQWKHGD\WKHWUDQVDFWLRQLVSURFHVVHG7KLVUDWHPD\GLIIHUIURPWKHUDWHDSSOLFDEOHRQWKHGDWHWKHWUDQVDFWLRQRFFXUUHGRUZDVSRVWHGWR\RXUDFFRXQW$IHHILQDQFHFKDUJHZLOOEHFKDUJHGRQDOOWUDQVDFWLRQVFRPSOHWHGRXWVLGHRIWKH8QLWHG6WDWHVZKHUHWKHFDUGKROGHU�VFRXQWU\ FRGH GLIIHUV IURP WKH PHUFKDQW�V FRXQWU\ FRGH $ IHH ILQDQFH FKDUJH ZLOO EH FKDUJHG RQ DOO WUDQVDFWLRQVFRPSOHWHGLQDIRUHLJQFXUUHQF\$OOIHHVDUHFDOFXODWHGEDVHGRQWKHWUDQVDFWLRQDPRXQWDIWHULWLVFRQYHUWHGWR86GROODUV7KHVHIHHVDUHFKDUJHGH[FHSWZKHUHH[FOXGHG7KH)RUHLJQ7UDQVDFWLRQ)HHLVVHWIRUWKRQWKH'LVFORVXUHDFFRPSDQ\LQJWKLV$JUHHPHQW)((6�,QDGGLWLRQWRWKHSHULRGLFUDWHWKHIROORZLQJDGGLWLRQDOIHHVPD\EHLPSRVHGRQ\RXUDFFRXQW,IDSSOLFDEOHWR\RXUDFFRXQWWKHIHHDPRXQWVDQGH[SODQDWLRQVDUHGLVFORVHGRQWKH'LVFORVXUHDFFRPSDQ\LQJWKLV$JUHHPHQW<RXUDFFRXQWPD\DOVREHVXEMHFWWRDGGLWLRQDOIHHVDVVHWIRUWKRQWKH'LVFORVXUHDFFRPSDQ\LQJWKLV$JUHHPHQWD&DVK$GYDQFH)HH)LQDQFH&KDUJH,I\RXUDFFRXQWLVVXEMHFWWRD&DVK$GYDQFH)HHILQDQFHFKDUJHWKHIHH
ZLOOEHFKDUJHGWR\RXUDFFRXQWZKHQ\RXREWDLQDFDVKDGYDQFHIURPDQ$70WKH&UHGLW8QLRQRURWKHUILQDQFLDOLQVWLWXWLRQE)RUHLJQ 7UDQVDFWLRQ )HH )LQDQFH &KDUJH,I \RXU DFFRXQW LV VXEMHFW WR D )RUHLJQ 7UDQVDFWLRQ )HH ILQDQFH FKDUJHDIHHPD\EHFKDUJHGWR\RXUDFFRXQWIRUWUDQVDFWLRQVPDGHRXWVLGHRIWKH8QLWHG6WDWHVRULQDIRUHLJQFXUUHQF\F/DWH3D\PHQW)HH,I\RXUDFFRXQWLVVXEMHFWWRD/DWH3D\PHQW)HHWKHIHHZLOOEHFKDUJHGWR\RXUDFFRXQWZKHQ \RXGRQRWPDNHWKHUHTXLUHGPLQLPXPSD\PHQWE\RUZLWKLQWKHQXPEHURIGD\VRIWKHVWDWHPHQW3D\PHQW'XH'DWHVHWIRUWKRQWKH'LVFORVXUHDFFRPSDQ\LQJWKLV$JUHHPHQW 
�CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved DXTG5 (MXC503 CCM004)G5HWXUQHG3D\PHQW)HH,I\RXUDFFRXQWLVVXEMHFWWRD5HWXUQHG3D\PHQW)HHWKHIHHZLOOEHFKDUJHGWR\RXU DFFRXQWZKHQDSD\PHQWLVUHWXUQHGIRUDQ\UHDVRQ H'RFXPHQW&RS\)HH,I\RXUDFFRXQWLVVXEMHFWWRD'RFXPHQW&RS\)HHH[FHSWDVOLPLWHGE\DSSOLFDEOHODZDIHH PD\EHFKDUJHGWR\RXUDFFRXQWIRUHDFKFRS\RIDVDOHVGUDIWRUVWDWHPHQWWKDW\RXUHTXHVWH[FHSWZKHQWKHUHTXHVWLVPDGHLQFRQQHFWLRQZLWKDELOOLQJHUURUPDGHE\WKH&UHGLW8QLRQI &DUG5HSODFHPHQW)HH,I\RXUDFFRXQWLVVXEMHFWWRD&DUG5HSODFHPHQW)HHDIHHZLOOEHFKDUJHGIRUHDFK UHSODFHPHQWFDUGWKDWLVLVVXHGWR\RXIRUDQ\UHDVRQ3$<0(176�(DFKPRQWK\RXPXVWSD\DWOHDVWWKHPLQLPXPSD\PHQWVKRZQRQ\RXUVWDWHPHQWE\WKHGDWH VSHFLILHGRQWKHVWDWHPHQW<RXPD\SD\PRUHIUHTXHQWO\SD\PRUHWKDQWKHPLQLPXPSD\PHQWRUSD\WKHWRWDOQHZEDODQFHLQIXOO,I\RXPDNHH[WUDRUODUJHUSD\PHQWV\RXDUHVWLOOUHTXLUHGWRPDNHDWOHDVWWKHPLQLPXPSD\PHQWHDFKPRQWK\RXUDFFRXQWKDVDEDODQFHRWKHUWKDQDFUHGLWEDODQFH7KHPLQLPXPSD\PHQWLVRI\RXUWRWDOQHZEDODQFHRUZKLFKHYHULVJUHDWHUSOXVWKHDPRXQWRIDQ\SULRUPLQLPXPSD\PHQWVWKDW\RXKDYHQRWPDGHDOORXWVWDQGLQJ XQSDLG IHHV DQG FKDUJHV DQG DQ\ DPRXQW \RX DUH RYHU \RXU FUHGLW OLPLW E\ WKH GDWH VSHFLILHG RQ WKHVWDWHPHQW7KH&UHGLW8QLRQDOVRKDVWKHULJKWWRGHPDQGLPPHGLDWHSD\PHQWRIDQ\DPRXQWE\ZKLFK\RXDUHRYHU\RXUFUHGLWOLPLW,QDFFRUGDQFHZLWKDSSOLFDEOHODZWKH&UHGLW8QLRQPD\QRWSRVWSD\PHQWVWR\RXUDFFRXQWRUUHIOHFWWKHPLQ\RXUDYDLODEOHFUHGLWOLPLWRQWKHGDWHWKH\DUHUHFHLYHG7KH&UHGLW8QLRQPD\GHOD\UHSOHQLVKLQJ\RXUFUHGLWOLPLWXQWLOWKH GDWHWKHSD\PHQWLVSRVWHGRUWKH&UHGLW8QLRQFRQILUPVWKHSD\PHQWKDVFOHDUHG3$<0(17$//2&$7,21�6XEMHFWWRDSSOLFDEOHODZ\RXUSD\PHQWVPD\EHDSSOLHGWRZKDW\RXRZHWKH&UHGLW 8QLRQLQDQ\PDQQHUWKH&UHGLW8QLRQFKRRVHV+RZHYHULQHYHU\FDVHLQWKHHYHQW\RXPDNHDSD\PHQWLQH[FHVVRIWKHUHTXLUHGPLQLPXPSHULRGLFSD\PHQWWKH&UHGLW8QLRQZLOODOORFDWHWKHH[FHVVDPRXQWILUVWWRWKHEDODQFHZLWKWKHKLJKHVWDQQXDOSHUFHQWDJHUDWHDQGDQ\UHPDLQLQJSRUWLRQWRWKHRWKHUEDODQFHVLQGHVFHQGLQJRUGHUEDVHGRQDSSOLFDEOHDQQXDOSHUFHQWDJHUDWH6(&85,7<,17(5(67�<RXJUDQWWKH&UHGLW8QLRQDVHFXULW\LQWHUHVWXQGHUWKH8QLIRUP&RPPHUFLDO&RGHDQG XQGHUDQ\FRPPRQODZULJKWVWKH&UHGLW8QLRQPD\KDYHLQDQ\JRRGV\RXSXUFKDVH,I\RXJLYHWKH&UHGLW8QLRQDVSHFLILFSOHGJHRIVKDUHVE\VLJQLQJDVHSDUDWHSOHGJHRIVKDUHV\RXUSOHGJHGVKDUHVZLOOVHFXUH\RXUDFFRXQW<RXPD\QRWZLWKGUDZDPRXQWVWKDWKDYHEHHQVSHFLILFDOO\SOHGJHGWRVHFXUH\RXUDFFRXQWXQWLOWKH&UHGLW8QLRQDJUHHVWRUHOHDVHDOORUSDUWRIWKHSOHGJHGDPRXQW

<RXU$FFRXQWLVVHFXUHGE\DOORWKHUVKDUHV\RXKDYHLQDQ\LQGLYLGXDORUMRLQWDFFRXQWZLWKWKH&UHGLW8QLRQH[FHSWIRUVKDUHVLQDQ,QGLYLGXDO5HWLUHPHQW$FFRXQWRULQDQ\RWKHUDFFRXQWWKDWZRXOGORVHVSHFLDOWD[WUHDWPHQWXQGHUVWDWHRUIHGHUDOODZLIJLYHQDVVHFXULW\7KHVHRWKHUVKDUHVPD\EHZLWKGUDZQXQOHVV\RXDUHLQGHIDXOWXQGHUWKLVDJUHHPHQW<RXDXWKRUL]HWKH&UHGLW8QLRQWRDSSO\WKHEDODQFHLQ\RXULQGLYLGXDORUMRLQWVKDUHDFFRXQWVWRSD\DQ\DPRXQWVGXHRQ\RXU$FFRXQWLI\RXVKRXOGGHIDXOW

&ROODWHUDOVHFXULQJRWKHUORDQV\RXKDYHZLWKWKH&UHGLW8QLRQPD\DOVRVHFXUHWKLVORDQH[FHSWWKDWDGZHOOLQJZLOOQHYHUEHFRQVLGHUHGDVVHFXULW\IRUWKLVDFFRXQWQRWZLWKVWDQGLQJDQ\WKLQJWRWKHFRQWUDU\LQDQ\RWKHUDJUHHPHQW'()$8/7�<RXZLOOEHLQGHIDXOWLI\RXIDLOWRPDNHDQ\PLQLPXPSD\PHQWRURWKHUUHTXLUHGSD\PHQWE\WKHGDWHWKDWLWLVGXH<RXZLOOEHLQGHIDXOWLI\RXEUHDNDQ\SURPLVH\RXPDNHXQGHUWKLV$JUHHPHQW<RXZLOOEHLQGHIDXOWLI\RXGLHILOHIRUEDQNUXSWF\RUEHFRPHLQVROYHQWWKDWLVXQDEOHWRSD\\RXUREOLJDWLRQVZKHQWKH\EHFRPHGXH<RXZLOOEHLQGHIDXOWLI\RXPDNHDQ\IDOVHRUPLVOHDGLQJVWDWHPHQWVLQDQ\FUHGLWDSSOLFDWLRQRUFUHGLWXSGDWH<RXZLOODOVREHLQGHIDXOW LIVRPHWKLQJKDSSHQVWKDWWKH&UHGLW8QLRQEHOLHYHVPD\VXEVWDQWLDOO\UHGXFH\RXUDELOLW\WRUHSD\ZKDW\RXRZH:KHQ\RXDUHLQGHIDXOWWKH&UHGLW8QLRQKDVWKHULJKWWRGHPDQGLPPHGLDWHSD\PHQWRI\RXUIXOODFFRXQWEDODQFHZLWKRXWJLYLQJ \RXQRWLFH,ILPPHGLDWHSD\PHQWLVGHPDQGHG\RXDJUHHWRFRQWLQXHSD\LQJILQDQFHFKDUJHVDWWKHSHULRGLFUDWHFKDUJHGEHIRUHGHIDXOWXQWLOZKDW\RXRZHKDVEHHQSDLGDQGDQ\VKDUHVWKDWZHUHJLYHQDVVHFXULW\IRU\RXUDFFRXQWPD\EHDSSOLHGWRZDUGVZKDW\RXRZH/,$%,/,7<)2581$87+25,=('86(/267672/(1&$5'127,),&$7,21�<RXDJUHHWRQRWLI\XV LPPHGLDWHO\RUDOO\RULQZULWLQJDW32%R[/HDJXH&LW\7;RUWHOHSKRQH0RQGD\WKURXJK)ULGD\DPWRSP&HQWUDO7LPHRUVHYHQGD\VDZHHNKRXUVDGD\RIWKHORVVWKHIWRUXQDXWKRUL]HGXVHRI\RXUFUHGLWFDUG<RXPD\EHOLDEOHIRUWKHXQDXWKRUL]HGXVHRI\RXUFUHGLWFDUG<RXZLOOQRWEHOLDEOHIRUXQDXWKRUL]HGXVHWKDWRFFXUVDIWHU\RXQRWLI\XVRIWKHORVVWKHIWRUSRVVLEOHXQDXWKRUL]HGXVH+RZHYHULI\RXH[HUFLVHUHDVRQDEOHFDUHLQVDIHJXDUGLQJ\RXUFDUGIURPULVNRIORVVRUWKHIWDQGXSRQGLVFRYHULQJWKHORVVRUWKHIWSURPSWO\UHSRUWWKHORVVRUWKHIWWRXV\RXZLOOQRWEHOLDEOHIRUDQ\XQDXWKRUL]HGWUDQVDFWLRQV,QDQ\FDVH\RXUOLDELOLW\ZLOO QRWH[FHHG&+$1*,1*257(50,1$7,1*<285$&&2817�$VSHUPLWWHGE\ODZWKH&UHGLW8QLRQPD\FKDQJHWKHWHUPVRIWKLV$JUHHPHQWDQGDQ\DWWDFKHG'LVFORVXUHIURPWLPHWRWLPH1RWLFHRIDQ\FKDQJHZLOOEHJLYHQLQDFFRUGDQFHZLWKDSSOLFDEOHODZ,ISHUPLWWHGE\ODZDQGVSHFLILHGLQWKHQRWLFHWR\RXWKHFKDQJHZLOODSSO\WR\RXUH[LVWLQJDFFRXQWEDODQFHDVZHOODVWRIXWXUHWUDQVDFWLRQV 
DXTG5 (MXC503 CCM004) �CUN A Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved(LWKHU\RXRUWKH&UHGLW8QLRQPD\WHUPLQDWHWKLV$JUHHPHQWDWDQ\WLPHEXWWHUPLQDWLRQE\\RXRUWKH&UHGLW8QLRQZLOOQRWDIIHFW\RXUREOLJDWLRQWRSD\WKHDFFRXQWEDODQFHSOXVDQ\ILQDQFHDQGRWKHUFKDUJHV\RXRZHXQGHUWKLV$JUHHPHQW<RXUREOLJDWLRQWRSD\WKHDFFRXQWEDODQFHSOXVDQ\ILQDQFHDQGRWKHUFKDUJHV\RXRZHXQGHUWKLVDJUHHPHQWDUHVXEMHFWWRDOODSSOLFDEOHODZVDQGUHJXODWLRQVUHJDUGLQJUHSD\PHQWUHTXLUHPHQWV<RXDUHDOVRUHVSRQVLEOHIRUDOOWUDQVDFWLRQVPDGHWR\RXUDFFRXQWDIWHUWHUPLQDWLRQXQOHVVWKHWUDQVDFWLRQVZHUHXQDXWKRUL]HG 7KHFDUGRUFDUGV\RXUHFHLYHUHPDLQWKHSURSHUW\RIWKH&UHGLW8QLRQDQG\RXPXVWUHFRYHUDQGVXUUHQGHUWRWKH&UHGLW8QLRQDOOFDUGVXSRQUHTXHVWRUXSRQWHUPLQDWLRQRIWKLV$JUHHPHQWZKHWKHUE\\RXRUWKH&UHGLW8QLRQ,IWKLVLVDMRLQWDFFRXQWWKHSDUDJUDSKRQ-2,17$&&28176RIWKLV$JUHHPHQWDOVRDSSOLHVWRWHUPLQDWLRQRIWKHDFFRXQW&+$1*,1*257(50,1$7,1*$87+25,=('86(56�8SRQ\RXUUHTXHVWZHPD\LVVXHDGGLWLRQDOFDUGVIRUDXWKRUL]HGXVHUVWKDW\RXGHVLJQDWH<RXPXVWQRWLI\XVLQZULWLQJRIDQ\WHUPLQDWLRQRIDQDXWKRUL]HGXVHU
VULJKWWRDFFHVV\RXUDFFRXQW<RXUOHWWHUPXVWLQFOXGHWKHQDPHRIWKHDXWKRUL]HGXVHUDQG\RXUDFFRXQWQXPEHUDQGRUDQ\VXEDFFRXQWQXPEHULVVXHGWRWKHDXWKRUL]HGXVHUDORQJZLWKWKHDXWKRUL]HGXVHU
VFDUGDQGDQ\FRQYHQLHQFHRURWKHUDFFHVVFKHFNVLVVXHGWRWKHDXWKRUL]HGXVHU,I\RXFDQQRWUHWXUQWKHDXWKRUL]HGXVHU
VFDUGRUDFFHVVFKHFNVDQGLI\RXUHTXHVW\RXUDFFRXQWWREHFORVHGZHZLOOFORVH\RXUDFFRXQWDQG\RXPD\DSSO\IRUDQHZDFFRXQW&5(',75(9,(:$1'5(/($6(2),1)250$7,21�<RXDXWKRUL]HWKH&UHGLW8QLRQWRLQYHVWLJDWH\RXUFUHGLWVWDQGLQJZKHQRSHQLQJRUUHYLHZLQJ\RXUDFFRXQW<RXDXWKRUL]HWKH&UHGLW8QLRQWRGLVFORVHLQIRUPDWLRQUHJDUGLQJ\RXUDFFRXQWWRFUHGLWEXUHDXVDQGFUHGLWRUVZKRLQTXLUHDERXW\RXUFUHGLWVWDQGLQJ,I\RXUDFFRXQWLVHOLJLEOHIRUHPHUJHQF\FDVKDQGRUHPHUJHQF\FDUGUHSODFHPHQWVHUYLFHVDQG \RXUHTXHVWVXFKVHUYLFHV\RXDJUHHWKDWZHPD\SURYLGHSHUVRQDOLQIRUPDWLRQDERXW\RXDQG\RXUDFFRXQWWKDWLVQHFHVVDU\WRSURYLGH\RXZLWKWKHUHTXHVWHGVHUYLFHV5(78516 $1' $'-8670(176�0HUFKDQWVDQGRWKHUV ZKR KRQRU \RXUFDUGPD\JLYHFUHGLW IRUUHWXUQVRU DGMXVWPHQWVDQGWKH\ZLOOGRVRE\VHQGLQJWKH&UHGLW8QLRQDFUHGLWVOLSZKLFKZLOOEHSRVWHGWR\RXUDFFRXQW,I\RXUFUHGLWVDQGSD\PHQWVH[FHHGZKDW\RXRZHWKH&UHGLW8QLRQWKHDPRXQWZLOOEHDSSOLHGDJDLQVWIXWXUHSXUFKDVHVDQGFDVKDGYDQFHV,IWKHFUHGLWEDODQFHDPRXQWLVRUPRUHLWZLOOEHUHIXQGHGXSRQ\RXUZULWWHQUHTXHVWRU DXWRPDWLFDOO\DIWHUVL[PRQWKV$'',7,21$/ %(1(),76&$5' (1+$1&(0(176 �7KH &UHGLW 8QLRQ PD\ IURP WLPH WR WLPH RIIHU DGGLWLRQDOVHUYLFHVWR\RXUDFFRXQWVXFKDVWUDYHODFFLGHQWLQVXUDQFHDWQRDGGLWLRQDOFRVWWR\RX<RXXQGHUVWDQGWKDWWKH&UHGLW8QLRQLVQRWREOLJDWHGWRRIIHUVXFKVHUYLFHVDQGPD\ZLWKGUDZRUFKDQJHWKHPDWDQ\WLPH0(5&+$17',6387(6�7KH&UHGLW8QLRQLVQRWUHVSRQVLEOHIRUWKHUHIXVDORIDQ\PHUFKDQWRUILQDQFLDOLQVWLWXWLRQ WRKRQRU\RXUFDUG7KH&UHGLW8QLRQLVVXEMHFWWRFODLPVDQGGHIHQVHVRWKHUWKDQWRUWFODLPVDULVLQJRXWRIJRRGVRUVHUYLFHV\RXSXUFKDVHZLWKWKHFDUGLI\RXKDYHPDGHDJRRGIDLWKDWWHPSWEXWKDYHEHHQXQDEOHWRREWDLQVDWLVIDFWLRQIURPWKHPHUFKDQWRUVHUYLFHSURYLGHUDQGD\RXUSXUFKDVHZDVPDGHLQUHVSRQVHWRDQDGYHUWLVHPHQWWKH&UHGLW8QLRQVHQWRUSDUWLFLSDWHGLQVHQGLQJWR\RXRUE\RXUSXUFKDVHFRVWPRUHWKDQDQGZDVPDGHLQ\RXUVWDWHRUZLWKLQPLOHVRI\RXUKRPH-2,17$&&28176�,IWKLVLVDMRLQWDFFRXQWHDFKRI\RXZLOOEHLQGLYLGXDOO\DQGMRLQWO\UHVSRQVLEOHIRUSD\LQJDOO DPRXQWVRZHGXQGHUWKLV$JUHHPHQW7KLVPHDQVWKDWWKH&UHGLW8QLRQFDQUHTXLUHDQ\RQHRI\RXLQGLYLGXDOO\WRUHSD\WKHHQWLUHDPRXQWRZHGXQGHUWKLV$JUHHPHQW(DFKRI\RXDXWKRUL]HVWKHRWKHUVWRPDNHSXUFKDVHVRUFDVKDGYDQFHVLQGLYLGXDOO\$Q\RQHRI\RXPD\WHUPLQDWHWKHDFFRXQWDQGWKHWHUPLQDWLRQZLOOEHHIIHFWLYHDVWRDOORI\RX())(&72)$*5((0(17�7KLV$JUHHPHQWLVWKHFRQWUDFWZKLFKDSSOLHVWRDOOWUDQVDFWLRQVRQ\RXUDFFRXQWHYHQ WKRXJKWKHVDOHVFDVKDGYDQFHVFUHGLWRURWKHUVOLSV\RXVLJQRUUHFHLYHPD\FRQWDLQGLIIHUHQWWHUPV12:$,9(5�7KH&UHGLW8QLRQFDQGHOD\HQIRUFLQJDQ\RILWVULJKWVDQ\QXPEHURIWLPHVZLWKRXWORVLQJWKHP 67$7(0(176$1'127,&(6�6WDWHPHQWVDQGQRWLFHVZLOOEHPDLOHGRUGHOLYHUHGWR \RXDWWKHDSSURSULDWH DGGUHVV\RXKDYHJLYHQWKH&UHGLW8QLRQ1RWLFHVHQWWRDQ\RQHRI\RXZLOOEHFRQVLGHUHGQRWLFHWRDOO6(9(5$%,/,7<$1'),1$/(;35(66,21�7KLV$JUHHPHQWDQGWKH'LVFORVXUHDUHWKHILQDOH[SUHVVLRQRIWKH WHUPVDQGFRQGLWLRQVRI\RXUDFFRXQW7KLVZULWWHQ$JUHHPHQWDQG'LVFORVXUHPD\QRWEHFRQWUDGLFWHGE\HYLGHQFHRIDQ\DOOHJHGRUDODJUHHPHQW6KRXOGDQ\SDUWRIWKLV$JUHHPHQWRUWKH'LVFORVXUHEHIRXQGWREHLQYDOLGRUXQHQIRUFHDEOHDOORWKHUSDUWVRIWKLV$JUHHPHQWDQG'LVFORVXUHVKDOOUHPDLQLQHIIHFWDQGIXOO\HQIRUFHDEOHWRWKHIXOOHVWH[WHQWSRVVLEOHXQGHUWKLV$JUHHPHQW&23<5(&(,9('�<RXDFNQRZOHGJHWKDW\RXKDYHUHFHLYHGDFRS\RIWKLV$JUHHPHQW
DQG'LVFORVXUH ,17(51(7 *$0%/,1* 75$16$&7,216 352+,%,7(' �<RX PD\ QRW XVH \RXU FDUG WR LQLWLDWH DQ\ W\SH RIHOHFWURQLFJDPEOLQJWUDQVDFWLRQWKURXJKWKH,QWHUQHW 3(1$/7<5$7(',6&/2685(6�,IDSSOLFDEOHWR\RXUDFFRXQWDOOUDWHVIRU\RXUDFFRXQWLQFOXGLQJWKHUDWHVIRU SXUFKDVHVFDVKDGYDQFHVDQGEDODQFHWUDQVIHUVZLOOLQFUHDVHWRWKH3HQDOW\5DWHZKHQ\RXPHHWRQHRUPRUHRIWKHFRQGLWLRQVDVVHWIRUWKLQWKH'LVFORVXUHDFFRPSDQ\LQJWKLV$JUHHPHQW$Q\UDWHLQFUHDVHVDSSOLHGWR\RXUDFFRXQWDUHVXEMHFWWRDSSOLFDEOHQRWLFHUHTXLUHPHQWV3OHDVHUHIHUWRWKH'LVFORVXUHIRUDGGLWLRQDOLQIRUPDWLRQUHJDUGLQJWKH3HQDOW\5DWH 
�CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved DXTG5 (MXC503 CCM004)92/817$5<3$<0(173527(&7,21�:HPD\RIIHU9ROXQWDU\3D\PHQW3URWHFWLRQWR\RX9ROXQWDU\3D\PHQW 3URWHFWLRQLVQRWQHFHVVDU\WRREWDLQFUHGLW,I\RXSXUFKDVH9ROXQWDU\3D\PHQW3URWHFWLRQIURPXV\RXDXWKRUL]HXVWRDGGWKHIHHVRULQVXUDQFHFKDUJHVPRQWKO\WR\RXUORDQEDODQFHDQGFKDUJH\RXLQWHUHVWRQWKHHQWLUHEDODQFH$WRXURSWLRQZHZLOOFKDQJH\RXUSD\PHQWRUWKHSHULRGRIWLPHQHFHVVDU\WRUHSD\WKHORDQEDODQFH7KHUDWHXVHGWRGHWHUPLQHWKHIHHVRULQVXUDQFHFKDUJHVPD\FKDQJHLQWKHIXWXUH,IWKHUDWHFKDQJHVZHZLOOSURYLGHDQ\QRWLFHVUHTXLUHGE\DSSOLFDEOHODZ 127,&(7287$+%2552:(56�7KLVZULWWHQDJUHHPHQWLVDILQDOH[SUHVVLRQRIWKHDJUHHPHQWEHWZHHQ\RXDQG WKH&UHGLW8QLRQ7KLVZULWWHQDJUHHPHQWPD\QRWEHFRQWUDGLFWHGE\HYLGHQFHRIDQ\RUDODJUHHPHQW7+()2//2:,1*,65(48,5('%<9(50217/$:�127,&(72&26,* 1(5�<2856,*1$785(21 7+,6127(0($167+$7<28$5((48$//</,$%/()255(3$<0(172)7+ ,6/2$1,)7+(%2552:(5 '2(61273$<7+(/(1'(5+$6$/(*$/5,*+772&2//(&7)520<28 

<RXU%LOOLQJ5LJKWV.HHSWKLV'RFXPHQWIRU)XWXUH8VH7KLVQRWLFHWHOOV\RXDERXW\RXUULJKWVDQGRXUUHVSRQVLELOLWLHVXQGHUWKH)DLU&UHGLW%LOOLQJ$FW

:KDW7R'R,I<RX)LQG$0LVWDNH2Q<RXU6WDWHPHQW,I\RXWKLQNWKHUHLVDQHUURURQ\RXUVWDWHPHQWZULWHWRXVDWWKHDGGUHVVOLVWHGRQ\RXUVWDWHPHQW,Q\RXUOHWWHUJLYHXVWKHIROORZLQJLQIRUPDWLRQ$FFRXQWLQIRUPDWLRQ<RXUQDPHDQGDFFRXQWQXPEHU'ROODUDPRXQW7KHGROODUDPRXQWRIWKHVXVSHFWHGHUURU'HVFULSWLRQRISUREOHP,I\RXWKLQNWKHUHLVDQHUURURQ\RXUELOOGHVFULEHZKDW\RXEHOLHYHLVZURQJDQGZK\\RX EHOLHYHLWLVDPLVWDNH<RXPXVWFRQWDFWXV:LWKLQGD\VDIWHUWKHHUURUDSSHDUHGRQ\RXUVWDWHPHQW$WOHDVWEXVLQHVVGD\VEHIRUHDQDXWRPDWHGSD\PHQWLVVFKHGXOHGLI\RXZDQWWRVWRSSD\PHQWRQWKHDPRXQW\RXWKLQNLVZURQJ<RXPXVWQRWLI\XVRIDQ\SRWHQWLDOHUURUVLQZULWLQJRUHOHFWURQLFDOO\<RXPD\FDOOXVEXWLI\RXGRZHDUHQRWUHTXLUHGWR LQYHVWLJDWHDQ\SRWHQWLDOHUURUVDQG\RXPD\KDYHWRSD\WKHDPRXQWLQTXHVWLRQ:KDW:LOO+DSSHQ$IWHU:H5HFHLYH<RXU/HWWHU:KHQZHUHFHLYH\RXUOHWWHUZHPXVWGRWZRWKLQJV:LWKLQGD\VRIUHFHLYLQJ\RXUOHWWHUZHPXVWWHOO\RXWKDWZHUHFHLYHG\RXUOHWWHU:HZLOODOVRWHOO\RXLIZHKDYHDOUHDG\FRUUHFWHGWKHHUURU:LWKLQGD\VRIUHFHLYLQJ\RXUOHWWHUZHPXVWHLWKHUFRUUHFWWKHHUURURUH[SODLQWR\RXZK\ZHEHOLHYHWKHELOOLVFRUUHFW:KLOHZHLQYHVWLJDWHZKHWKHURUQRWWKHUHKDVEHHQDQHUURU:HFDQQRWWU\WRFROOHFWWKHDPRXQWLQTXHVWLRQRUUHSRUW\RXDVGHOLQTXHQWRQWKDWDPRXQW7KHFKDUJHLQTXHVWLRQPD\UHPDLQRQ\RXUVWDWHPHQWDQGZHPD\FRQWLQXHWRFKDUJH\RXLQWHUHVWRQWKDWDPRXQW:KLOH\RXGRQRWKDYHWRSD\WKHDPRXQWLQTXHVWLRQ\RXDUHUHVSRQVLEOHIRUWKHUHPDLQGHURI\RXUEDODQFH:HFDQDSSO\DQ\XQSDLGDPRXQWDJDLQVW\RXUFUHGLWOLPLW$IWHUZHILQLVKRXULQYHVWLJDWLRQRQHRIWZRWKLQJVZLOOKDSSHQ,IZHPDGHDPLVWDNH<RXZLOOQRWKDYHWRSD\WKHDPRXQWLQTXHVWLRQRUDQ\LQWHUHVWRURWKHUIHHVUHODWHGWRWKDW DPRXQW,IZHGRQRWEHOLHYHWKHUHZDVDPLVWDNH<RXZLOOKDYHWRSD\WKHDPRXQWLQTXHVWLRQDORQJZLWKDSSOLFDEOH LQWHUHVWDQGIHHV:HZLOOVHQG\RXDVWDWHPHQWRIWKHDPRXQW\RXRZHDQGWKHGDWHSD\PHQWLVGXH:HPD\WKHQUHSRUW\RXDVGHOLQTXHQWLI\RXGRQRWSD\WKHDPRXQWZHWKLQN\RXRZH,I\RXUHFHLYHRXUH[SODQDWLRQEXWVWLOOEHOLHYH\RXUELOOLVZURQJ\RXPXVWZULWHWRXVZLWKLQGD\VWHOOLQJXVWKDW\RXVWLOO UHIXVHWRSD\,I\RXGRVRZHFDQQRWUHSRUW\RXDVGHOLQTXHQWZLWKRXWDOVRUHSRUWLQJWKDW\RXDUHTXHVWLRQLQJ\RXUELOO:HPXVWWHOO\RXWKHQDPHRIDQ\RQHWRZKRPZHUHSRUWHG\RXDVGHOLQTXHQWDQGZHPXVWOHWWKRVHRUJDQL]DWLRQVNQRZZKHQWKHPDWWHUKDVEHHQVHWWOHGEHWZHHQXV,IZHGRQRWIROORZDOORIWKHUXOHVDERYH\RXGRQRWKDYHWRSD\WKHILUVWRIWKHDPRXQW\RXTXHVWLRQHYHQLI\RXUELOOLV FRUUHFW<RXU5LJKWVLI<RX$UH'LVVDWLVILHG:LWK<RXU&UHGLW&DUG3XUFKDVHV,I\RXDUHGLVVDWLVILHGZLWKWKHJRRGVRUVHUYLFHVWKDW\RXKDYHSXUFKDVHGZLWK\RXUFUHGLWFDUGDQG\RXKDYHWULHGLQJRRGIDLWKWRFRUUHFWWKHSUREOHPZLWKWKHPHUFKDQW\RXPD\KDYHWKHULJKWQRWWRSD\WKHUHPDLQLQJDPRXQWGXHRQWKHSXUFKDVH 
DXTG5 (MXC503 CCM004) �CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved7RXVHWKLVULJKWDOORIWKHIROORZLQJPXVWEHWUXH7KHSXUFKDVHPXVWKDYHEHHQPDGHLQ\RXUKRPHVWDWHRUZLWKLQPLOHVRI\RXUFXUUHQWPDLOLQJDGGUHVVDQGWKHSXUFKDVHSULFHPXVWKDYHEHHQPRUHWKDQ1RWH1HLWKHURIWKHVHDUHQHFHVVDU\LI\RXUSXUFKDVHZDVEDVHGRQDQDGYHUWLVHPHQWZHPDLOHGWR\RXRULIZHRZQWKHFRPSDQ\WKDWVROG\RXWKHJRRGVRUVHUYLFHV<RXPXVWKDYHXVHG\RXUFUHGLWFDUGIRUWKHSXUFKDVH3XUFKDVHVPDGHZLWKFDVKDGYDQFHVIURPDQ$70RUZLWKDFKHFNWKDWDFFHVVHV\RXUFUHGLWFDUGDFFRXQWGRQRWTXDOLI\ <RXPXVWQRW\HWKDYHIXOO\SDLGIRUWKHSXUFKDVH,IDOORIWKHFULWHULDDERYHDUHPHWDQG\RXDUHVWLOOGLVVDWLVILHGZLWKWKHSXUFKDVHFRQWDFWXVLQZULWLQJRUHOHFWURQLFDOO\DW WKHDGGUHVVOLVWHGRQ\RXUVWDWHPHQW:KLOHZHLQYHVWLJDWHWKHVDPHUXOHVDSSO\WRWKHGLVSXWHGDPRXQWDVGLVFXVVHGDERYH$IWHUZHILQLVKRXULQYHVWLJDWLRQZHZLOOWHOO\RXRXUGHFLVLRQ$WWKDWSRLQWLIZHWKLQN\RXRZHDQDPRXQWDQG\RXGRQRWSD\ZHPD\UHSRUW\RXDVGHOLQTXHQW 

  New EMV Chip Cards  ACU of Texas cards will include a new look and an embedded microchip for added security. Please be sure to activate and begin using your new EMV Chip Card when it arrives within the next seven days.  Why the Chip Makes a Difference Security is a top priority at ACU of Texas and that�s why we offer chip card technology to help protect your information. The embedded chip provides enhanced security and protection when you make purchases at chip-enabled terminals.

 Below are multiple ways to use your new ACU of Texas EMV chip card for your security and convenience.  
ATM 
 
  ATM machines will continue to operate in the same fashion you have become accustomed to. However, on ATMs upgraded with EMV readers, your new EMV chip card will remain in the ATM machine while your transaction is being processed. To properly ensure your ATM transaction, follow these steps:  Insert the card into the ATM.  Enter your PIN. Leave the card in the terminal during the transaction.  Remove card from the machine.
 
Swipe  
  Some payment processors will not be equipped with the technology needed to handle EMV chip and PIN credit transactions. The chip card still has a magnetic stripe, just in case you need to use it with a traditional terminal. 
 
EMV Reader  
 
  Insert the card.  Instead of swiping, insert the card into the terminal, chip first, face up.  Leave the card in the terminal.  The card must remain in the terminal during the entire transaction.  Sign the receipt or enter a PIN.  Either sign the receipt or enter your PIN to complete the transaction.  Remove your card.  When the purchase is complete, remember to take your card with you.
 
