CONSUMER  
CREDIT CARD 
AGREEMENT  
AND DISCLOSURE 

VISA PLATINUM 

This  Consumer  Credit  Card  Agreement  and  Disclosure  together  with  the  Account  Opening 
Disclosure and any other Account opening documents or any subsequent documents provided 
to You related to this Account (hereinafter collectively referred to as “Agreement”) govern the 
terms and  conditions of this Account. “We,” “Us,” “Our” and “Ours” and  “Credit Union” refers to 
Atlanta Postal Credit Union with which this Agreement is made. “You,” “Your,” and “Yours” refers 
to each applicant and co-applicant for the Account; any person responsible for paying the Account; 
and anyone You authorize to use, access or service the Account. "Card" means the Visa® credit 
card and any other access devices, duplicates, renewals, or substitutions, including convenience 
checks, the Credit Union issues to You. "Account" means the line of credit established by this 
Agreement and includes Your Card. 

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SECURITY INTEREST 

You grant the Credit Union a security interest under the Uniform Commercial Code and under any 
common law rights the Credit Union may have in any goods You purchase. 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. 

You grant Us a security interest in all individual and joint share and/or deposit accounts 
You have with Us now and in the future to secure Your credit card Account. Shares and 
deposits in an IRA or any other account that would lose special tax treatment under state 
or federal law if given as security are not subject to the security interest You have given in 
Your shares and deposits. You may withdraw these other shares unless You are in default. 
When You are in default, You authorize Us to apply the balance in these accounts to any 
amounts due. For example, if You have an unpaid credit card balance, You agree We may 
use funds in Your account(s) to pay any or all of the unpaid balance. You acknowledge 
and agree that Your pledge does not apply during any periods when You are a covered 
borrower  under  the  Military  Lending  Act.  For  clarity,  You  will  not  be  deemed  a  covered 
borrower, and Your pledge will apply, if: (i) You established Your credit card Account when 
You were not a covered borrower; or (ii) You cease to be a covered borrower. 

Unless otherwise prohibited by federal and/or state law, 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. 

1. USING YOUR ACCOUNT — By using the Account or keeping the Card, You agree to the terms 
of  this  Agreement.  You  agree  to  use  Your  Account  in  accordance  with  this  Agreement.  Your 
Account must only be used for lawful transactions. 

2. CREDIT LIMIT — We may establish a credit limit as part of this Agreement, which You promise 
not to exceed. If You exceed the credit limit, You promise to repay immediately the amount which 
exceeds the credit limit, including amounts due to finance charges, fees or other charges. You 
may request a credit limit increase on Your Account only by a method acceptable to the Credit 
Union.  We  may  increase  or  decrease  Your  credit  limit,  refuse  to  make  an  advance  and/or 
terminate Your Account at any time for any reason permitted by law. 

3. CONVENIENCE CHECKS — We may, from time to time, issue convenience checks to You that 
may be drawn on Your Account. Convenience checks may not be used to make a payment on 
Your  Account.  If  You  use  a  convenience  check,  it  will  be  posted  to  Your  Account  as  a  cash 
advance. We reserve the right to refuse to pay a convenience check drawn on Your Account for 
any reason and such refusal shall not constitute wrongful dishonor. You may request that We 
stop the payment of a convenience check drawn on Your Account. You agree to pay any fee as 
identified in this Agreement imposed to stop a payment on a convenience check issued on Your 
Account. You may make a stop payment request orally, if permitted, or in writing. Your request 
must be made with sufficient time in advance of the presentment of the check for payment to 
give  Us  a  reasonable  opportunity  to  act  on  Your  request.  In  addition,  Your  request  must 
accurately  describe  the  check  including  the  exact  Account  number,  the  payee,  any  check 
number that may be applicable, and the exact amount of the check. If permitted, You may make 

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a stop payment request orally but such a request will expire after 14 days unless You confirm 
Your request in writing within that time. Written stop payment orders are effective only for six 
months and may be renewed for additional six-month periods by requesting in writing that the 
stop payment order be renewed. We are not required to notify You when a stop payment order 
expires. If We re-credit Your Account after paying a check over a valid and timely stop payment 
order, You agree to sign a statement describing the dispute with the payee, to assign to Us all 
of Your rights against the payee or other holders of the check and to assist Us in any legal action. 
You agree to indemnify and hold Us harmless from all costs and expenses, including attorney's 
fees, damages, or claims, related to Our honoring Your stop payment request or in failing to stop 
payment of an item as a result of incorrect information provided to Us or the giving of inadequate 
time to act upon a stop payment request. Note: A convenience check is not a check as that term 
is defined under the Uniform Commercial Code. It is an advance from Your credit card Account 
with Us and Your stop payment rights are provided under this Agreement with Us. 

4. REPAYMENT  —  You  promise  to  repay  all  amounts  You  owe  under  this  Agreement.  Your 
promise to repay include all transactions made to Your Account by You or anyone You authorize 
to use Your Account as well as all interest charges and fees. For each billing period, You must 
pay at least the Minimum Payment Due by the Payment Due Date. The Minimum Payment Due 
is 2.00% of Your total New Balance, or $10.00, whichever is greater, plus any amount past due 
and  any  amount  by  which  You  have  exceeded  Your  applicable  credit  limit.  If  Your  total  New 
Balance is less than $10.00, then Your Minimum Payment Due is the amount of the total New 
Balance. You may pay more frequently, pay more than the Minimum Payment Due 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 Due each month Your Account has a balance (other than a credit 
balance). The Credit Union may delay replenishing Your credit limit until the date the payment 
is posted or the Credit Union confirms the payment has cleared. Your payment of the required 
Minimum Payment Due may be applied to what You owe the Credit Union in any manner the 
Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the 
required Minimum Payment Due, the Credit Union will allocate the excess amount first to the 
balance with the highest annual percentage rate (“APR”) and any remaining portion to the other 
balances  in  descending  order  based  on  applicable  APR,  unless  otherwise  prescribed  by 
applicable law. We may accept checks marked "payment in full" or with words of similar effect 
without losing any of Our rights to collect the full balance of Your Account with Us. 

5. INTEREST AND FINANCE CHARGES — We will begin charging You interest on purchases on 
the date the transaction is posted to Your Account. We will begin charging You interest on cash 
advances and balance transfers on the date of the transaction or the first day of the billing cycle 
in  which  the  transaction  is  posted  to  Your  Account,  whichever  is  later  (transaction  date). 
However, We will not charge You any interest on new purchases if Your Account 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.  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. 

How We Calculate Your Balance: 
Interest  charges  on  Your  Account  are  calculated  separately  for  purchases,  balance  transfers 
and  cash  advances  (“Transaction  Type”). We figure  the  interest  charge  for  each  Transaction 
Type by applying the periodic rate to each corresponding “average daily balance.” To get the 

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“average  daily  balance”  for  a  Transaction  Type  We  take  the  beginning  balance  for  that 
Transaction  Type  each  day,  add  any  new  transactions  of  that  type,  and  subtract  any  unpaid 
interest or other finance charges and any applicable payments or credits. This gives Us the daily 
balance for each Transaction Type. Then, for each Transaction Type, We add up all the daily 
balances for the billing cycle and divide each total by the number of days in the billing cycle. This 
gives Us the “average daily balance” for each Transaction Type. 

6. FEES — In addition to the periodic rate, additional fees may be imposed on Your Account. If 
applicable  to  Your  Account,  the  fee  amounts  and  explanations  are  disclosed  on  the  Account 
Opening Disclosure accompanying this Agreement. 

7. FOREIGN TRANSACTIONS — 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  (finance  charge)  will  be  charged  on  all transactions 
completed in a foreign currency. All fees are calculated based on the transaction amount after it 
is  converted  to  U.S.  dollars.  These  fees  are  charged  except  where  excluded.  The  Foreign 
Transaction Fee is set forth on the Disclosure accompanying this Agreement. 

8. AUTHORIZATIONS — We do not guarantee authorization of a transaction, either by Us or by a 
third party, even if You have sufficient credit available. You agree that We will not be liable for 
failing to give an authorization. We also reserve the right to limit the number of transactions that 
may be approved in one day. We reserve the right to deny certain transactions for any reason 
and at Our sole discretion, including for default, suspected fraudulent or unlawful activity, internet 
gambling or any indication of increased risk related to the transaction or the Account. You agree 
that We have no requirement to notify You of the specific reason We denied a transaction. If We 
detect unusual or suspicious activity, We may suspend Your credit privileges until We can verify 
the activity, or We may close the Account. 

9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS — If You have authorized a 
merchant to bill charges to Your Card on a recurring basis, it is Your responsibility to notify the 
merchant in the event Your Card is replaced, Your Account information (such as Card number 
or expiration date) changes, or Your Account is closed. However, if Your Card is replaced or 
Your Account information changes, You authorize Us, without obligation on Our part, to provide 
the updated Account information to the merchant in order to permit the merchant to bill recurring 
charges to Your Card. You authorize Us to apply such recurring charges to Your Card until You 
notify  Us  that  You  have  revoked  authorization  for  the  charges  to  Your  Card.  Your  Card  is 
automatically enrolled in an information updating service. Through this service, Your updated 
Account information (such as Card number or expiration date) may be shared with participating 
merchants to facilitate continued  recurring  charges.  Updates  are  not guaranteed  before  Your 
next payment to a merchant is due. You are responsible for making direct payment until recurring 
charges  resume.  To  revoke  Your  authorization  allowing  Us  to  provide  updated  Account 
information to a merchant, please contact Us.  

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10. PREAUTHORIZED  CHARGES  —  We  may  suspend  preauthorized  recurring  charges  with 
merchants if, for example, Your Card is lost or stolen, You default, or We change Your Account 
for  any  reason.  If  preauthorized  recurring  charges  are  suspended,  You  are  responsible  for 
making direct payment for such charges until You contact the merchant to reinstate recurring 
charges.  

11. DEFAULT — You will be in default under this Agreement if You fail to pay the Minimum Payment 
Due by its Payment Due Date; pay by a check or similar instrument that is not honored or that 
We must return because it cannot be processed; pay by automatic debit that is returned unpaid; 
make  any  false  or  misleading  statements  in  any  credit  application  or  credit  update;  file  for 
bankruptcy; or die. You will also be in default if You fail to comply with the terms of this Agreement 
or  any  other  Agreement  You  have  with  Us.  If  You  default,  We  may  close  Your  Account  and 
require You to pay any unpaid balance immediately, subject to applicable law. In this Agreement 
and  on  Your  Credit  Card  Application,  You  gave  Us  a  security  interest  in  all  individual  or  joint 
share and/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply 
the balance in these accounts to any amounts due. You agree We may rely on Your agreement 
and authorization to, upon Your default, apply any balance to any amounts due on Your Account. 

12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — If you notice 
the loss or theft of Your credit card or a possible unauthorized use of Your Card, You should 
write to Us immediately at 3900 Crown Road, Atlanta, GA, 30380-0001 or call Us at 800-599-
7889, seven days a week 24 hours a day. You will not be liable for any unauthorized use that 
occurs after You notify Us. You may, however, be liable for unauthorized use that occurs before 
Your  notice to  Us.  You will  have  no  liability  for unauthorized  use  unless  You  are found  to  be 
fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for 
unauthorized transactions will not exceed $50. 

13. CHANGING OR  TERMINATING  YOUR  ACCOUNT  —  As  permitted  by  law,  the  Credit  Union 
may change the terms of this Agreement and any attached Disclosure from time to time. Notice 
of any change will be given in accordance with applicable law. To the extent permitted by law, 
changes  to  the  Agreement  may  apply  to  Your  existing  account  balance  as  well  as  to  future 
transactions. 

Arizona,  California,  Idaho,  Louisiana,  New  Mexico,  Nevada,  Texas,  Washington,  and 
Wisconsin  Residents  –  Either  You,  Your  spouse  or  the  Credit  Union  may  terminate  this 
Agreement at any time, but termination by You, Your spouse or the Credit Union will not affect 
Your  obligation  to  pay  the  account  balance  plus  any  finance  and  other  charges  You  or  Your 
spouse owe under this Agreement. Your obligation to pay the account balance plus any finance 
and  other  charges  You  owe  under  this  agreement  are  subject  to  all  applicable  laws  and 
regulations  regarding  repayment  requirements.  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. 
Residents of all other states - 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.  Your 
obligation to pay the account balance plus any finance and other charges You owe under this 
agreement are subject to all applicable laws and regulations regarding repayment requirements. 

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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. 

14. AUTHORIZED USERS  — Upon Your request, We may issue additional Cards for authorized 
users that You designate. You must notify Us in writing of any termination of an authorized user's 
right to  access  Your  Account.  Your  notice must  include the  name  of the  authorized  user  and 
Your Account number and/or any subaccount number issued to the authorized user along with 
the authorized user's Card and any convenience or other access checks issued to the authorized 
user. If You cannot return the authorized user's Card or access checks and if You request Your 
Account  to  be  closed,  We  will  close  Your  Account  and  You  may  apply  for  a  new  Account. 
Alternatively, We may, at Our sole discretion, issue You a new Account number and a new Card. 

15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION — You authorize the Credit 
Union to obtain credit reports and any other information We may need to verify Your identity and 
use  of  the  Account  when  opening  Your  Account  and  for  any  update,  increase,  renewal, 
extension,  collection  or  review  of  Your  Account.  You  authorize  the  Credit  Union  to  disclose 
information regarding Your Account to credit bureaus and creditors who inquire about Your credit 
standing.  We  may  report  information  about  Your  Account  to  credit  bureaus.  Late  payments, 
missed payments, or other defaults on Your Account may be reflected on Your credit report.  

16. JOINT  ACCOUNTS  —  If  this  is  a  joint  Account,  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 transactions on the Account individually. Any one 
of You may terminate the Account and the termination will be effective as to all of You. 

17. EFFECT OF AGREEMENT — 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. 

18. SEVERABILITY  AND FINAL EXPRESSION — This Agreement is the final expression of the 
terms  and  conditions  of  Your  Account.  This  written  Agreement  may  not  be  contradicted  by 
evidence of any alleged oral Agreement. Should any part of this Agreement be found to be invalid 
or unenforceable, all other parts of this Agreement shall remain in effect and fully enforceable to 
the fullest extent possible under this Agreement.  

19. ILLEGAL TRANSACTIONS PROHIBITED — You agree that You will not use Your Card for any 
transaction,  including  any  type  of  electronic gambling transaction through  the  Internet, that  is 
illegal  under  applicable  federal,  state,  or  local  law.  Even  if  You  use  Your  Card  for  an  illegal 
transaction, You will be responsible for all amounts and charges incurred in connection with the 
transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction 
that is illegal. 

20. APPLICABLE  LAW  —  The  terms  and  enforcement  of  this  Agreement  shall  be  governed  by 

federal law and the law of Georgia. 

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21. ENFORCING THIS  AGREEMENT — We can delay in enforcing or fail to enforce any of Our 

rights under this Agreement without losing them. 

22. COLLECTION  COSTS  —  If  We  refer  collection  of  Your  Account  to  a  lawyer  who  is  not  Our 
salaried employee, You are liable for any reasonable attorney’s fees We incur, plus the costs 
and expenses of any legal action, as further disclosed on this Agreement, or to the extent allowed 
by law.  

23. ASSIGNMENT — We may assign any or all of Our rights and obligations under this Agreement 

to a third party. 

24. CALIFORNIA  RESIDENTS  —  A  married  applicant  may  apply  for  a  separate  Account. 
Applicants: 1) may, after credit approval, use the credit card Account up to its credit limit; 2) may 
be liable for amounts extended under the plan to any joint applicant. As required by law, You are 
hereby notified that a negative credit report reflecting on Your credit record may be submitted to 
a credit reporting agency if You fail to fulfill the terms of Your credit obligations. 

25. FLORIDA RESIDENTS — You (borrower) agree that, should We obtain a judgment against 
You, a portion of Your disposable earnings may be attached or garnished (paid to Us by 
Your employer), as provided by Florida and Federal law. 

26. MARYLAND RESIDENTS — To the extent, if any, that Maryland law applies to Your Account, 
We elect to offer Your Card Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial 
Law Article. 

27. MISSOURI RESIDENTS — Oral Agreements or commitments to loan money, extend credit 
or to forbear from enforcing repayment of a debt including promises to extend or renew 
such  debt  are  not  enforceable.  To  protect  You  (borrower(s))  and  Us  (creditor)  from 
misunderstanding or disappointment, any Agreements We reach covering such matters 
are  contained  in  this  writing,  which  is  the  complete  and  exclusive  statement  of  the 
Agreement between Us, except as We may later agree in writing to modify it. 

28. NEW  YORK  RESIDENTS  — We  may  obtain  a  credit  report  in  connection  with  this  Account, 
including for any review, modification, renewal or collections associated with this Account. Upon 
Your request, You will be informed whether such report was requested and, if so, the name and 
address of the consumer reporting agency furnishing the report. New York residents may contact 
the  New  York  State  Banking  Department  at  800.342.3736  or  www.dfs.ny.gov  to  obtain  a 
comparative listing of credit card rates, fees and grace periods. 

29. OHIO RESIDENTS — The Ohio laws against discrimination require that all creditors make credit 
equally  available  to  all  creditworthy  customers  and  that  credit  reporting  agencies  maintain 
separate  credit  histories  on  each  individual  upon  request.  The  Ohio  Civil  Rights  Commission 
administers compliance with this law. 

30. SOUTH DAKOTA RESIDENTS — If You believe there have been any improprieties in making 
this loan or in the lender’s loan practices, You may contact the South Dakota Division of Banking 
at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at 605.773.3421. 

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31. WISCONSIN RESIDENTS — If You are married, please contact Us immediately upon receipt of 
this Agreement at the address or phone number listed on this Agreement and provide Us with 
the name and address of Your spouse. We are required to inform Your spouse that We have 
opened an Account for You. 

32. NOTICE  TO  UTAH  BORROWERS  —  This  written  Agreement  is  a  final  expression  of  the 
Agreement between You and the Credit Union. This written Agreement may not be contradicted 
by evidence of any oral Agreement. As required by law, You are hereby notified that a negative 
credit report reflecting on Your credit record may be submitted to a credit reporting agency if You 
fail to fulfill the terms of Your credit obligations. 

33. THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR 
SIGNATURE  ON  THIS  NOTE  MEANS  THAT  YOU  ARE  EQUALLY  LIABLE  FOR 
REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A 
LEGAL RIGHT TO COLLECT FROM YOU. 

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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  listed  on  Your 
statement. In Your letter, give Us the following information: 
- Account information: Your name and Account number. 
- Dollar amount: The dollar amount of the suspected error. 
- Description of problem: If You think there is an error on Your bill, describe what You believe 
is wrong and why You believe it is a mistake. 
You must contact Us: 
- Within 60 days after the error appeared on Your statement. 
- At least three business days before an automated payment is scheduled, if You want to stop 
payment on the amount You think is wrong. You must notify Us of any potential errors in writing 
or electronically. 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: 
1. 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. 
2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why 
We believe the bill is correct. While We investigate whether or not there has been an error: 
- 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. After We finish Our investigation, one 
of two things will happen: 
- 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. 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 

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not to pay the remaining amount due on the purchase. To use this right, all of the following must 
be true: 
1. 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.) 
2. 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. 
3. You must not yet have fully paid for the purchase. If all of the criteria above are met and You 
are still dissatisfied with the purchase, contact Us in writing or electronically at the address 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. 

© CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved  
01000038-MXC30-P-1-081817 (MXC303-E) 

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