05/08   M-87525

KEEP THESE REGULATIONS FOR FUTURE USE. In these Regulations, the words “you”
and “your” mean each and all of those who applied for or received, or who signed and
used, the Card.  “Card” means your MASTERCARD® or VISA® issued by Community
First Credit Union and any duplicates or renewals we issue.  “We,” “us,” “CFCU,” and
“our” means Community First Credit Union.

Credit Card Regulations

1. RESPONSIBILITY - If you apply for and receive a Card from us, you agree to these Regulations. You also agree to repay all debts and any FINANCE CHARGE
or any other fees or charges arising from the use of your Card and the Card account. For example, you are responsible for charges made by you and anyone
else to whom you give the Card, and this responsibility continues until you recover and return the Card to us. Except to the extent allowed by law, you cannot
disclaim responsibility by notifying us and your responsibility continues even though an agreement, divorce decree or other court judgment to which we are
not a party may direct you or one of the other persons responsible to pay the account.

2. CREDIT LINE - We will establish a Credit Line for you and advise you of its amount. You agree not to let the account balance exceed the Credit Line, but you
remain responsible for payment if it does. Any account balance in excess of the Credit Line is payable immediately. We reserve the right to reduce or increase
your Credit Line from time to time, or to revoke the Card, without affecting your obligation to pay the account balance. The Cards remain our property, and if
we request, you must recover and surrender to us all Cards we have issued on your account.   To obtain a STARTER CARD you must complete certain
Educational requirements.

3. USING THE CARD - To make a regular purchase or take a cash advance, present the Card to an authorized plan member or financial institution and sign the
sales or cash advance draft which will be imprinted with your Card. You may also obtain a cash advance with the Card at certain manned and unmanned
automated terminals. Regular transactions are counted against your Credit Line. You will receive a copy of the draft (or machine receipt at an unmanned
terminal) which you should retain to verify your monthly statement. You may not use your Card for any illegal or unlawful transaction, and we may decline to
authorize any transaction that we believe poses an undue risk of illegality or unlawfulness.  

4. CONVENIENCE CHECKS - We may, from time to time, supply you with personalized Convenience Checks that are subject to the following conditions. Only
the person whose name is printed on a Convenience Check may sign it. All Convenience Checks must be written in U.S. dollars. We will not certify a
Convenience Check. We are entitled to return a Convenience Check unpaid if there is not enough available credit on your account to pay it, if you are in
default under this Agreement, if your Card or Convenience Check has been reported lost or stolen, if your Convenience Check is post-dated. if your right to
use Convenience Checks has been canceled or suspended or if your account has been closed. In addition, we may refuse to honor a Convenience Check
whenever we would be entitled to dishonor an ordinary check. If we refuse, under the terms of this Agreement, to honor a Convenience Check issued by
you, we may charge your account a fee of $22.00. A Convenience Check cannot be used to make a payment on any amount owed under this Agreement.
Any Convenience Check that we pay will be posted to your account as a cash advance and will be subject to all the terms in this Agreement that apply to
cash advances. CFCU shall have no liability for any Convenience Check returned because it was written for an amount in excess of your available line of
credit. Convenience Checks that you use and we pay will not be returned to you but will be identified on your monthly billing statement. The Wisconsin
Uniform Commercial Code, as well as applicable CFCU policies and fees, will apply to Convenience Checks as if they were checks drawn on a share draft
account. 

5. FEES AND CHARGES - There is no annual fee for your Card. 

a.   Late Payment Fee - A late payment fee of $ 22.00 may be charged in any billing cycle in which we receive less than the minimum payment on or

before the 5th day after the due date. 

b.   Over- The- Credit- Limit Fee - A fee of $22.00 may be charged in any billing cycle in which at any time during the cycle the unpaid balance of

your account exceeds your credit limit. 

c.   Cash Advance Fee - A fee of $5.00 may be charged for each cash advance. 
d.   Minimum Finance Charge - A minimum finance charge of $.50 may be charged in any month in which there is an outstanding balance. 
e.   Returned Check Fee - A fee of $22.00 may be charged for any check used to pay a monthly payment that is returned NSF. 
f.    Non-Sufficient Funds Fee – A fee of $22.00 may be charged if you do not have enough funds in your account to cover a payment made by check.
g.   International Transaction Fee – A fee of 1% of the amount of transactions and cash advances made in foreign countries.

6. FINANCE CHARGES - Your account will be subject to a FINANCE CHARGE during any billing period during which you (a) received, or had outstanding, a cash
advance, or (b) failed to pay in full the Previous Balance shown on the statement during the first 25 days of the statement period (the "Grace Period"). Except
as otherwise provided herein, the FINANCE CHARGE on your VISA or MASTERCARD Card account is calculated by applying the monthly periodic rate of
.74917% - 1.5825% (ANNUAL PERCENTAGE RATE of 8.99% - 18.99%) to the average daily balance (including new purchases) of your account in each month.
To get the "average daily balance" we take the Previous Balance reduced by any payment you make, credits we apply, and any Late Payment Fee due and
increased by any cash advances posted during the statement period. This gives us the daily balance. Then we add all the daily balances for the billing cycle
together and divide the total by the number of days in the billing cycle. This gives us the "average daily balance." You can avoid incurring a FINANCE CHARGE
on purchases by paying the New Balance in full within the Grace Period. However, a FINANCE CHARGE will be imposed on cash advances from the later of
the date made or the first day of the billing cycle in which the cash advance is posted, and will continue to accrue on any such cash advances until your
payment is received. 
Starter Cards Only - Anything in the above paragraph  to the contrary notwithstanding, if you are in default (as defined in Paragraph 8) the FINANCE CHARGE
on your Card account is calculated by applying the monthly periodic rate of 1.1.658% (ANNUAL PERCENTAGE RATE of 13.99%) to the average daily balance
(including new purchases)of your account.

7. MONTHLY PAYMENT - Unless there has been no activity on your account since your last statement and your account shows a zero balance, we will mail
you a statement every month showing your Previous Balance, the current transactions on your account, the remaining regular credit available under your
Credit Line, the fees and finance charge, the New Balance, and the Minimum Payment due.  Every month you must pay at least the minimum payment within
the Grace Period.  You may, of course, pay more than the Minimum Payment. If you pay the New Balance in full before the expiration of the Grace Period,
you will reduce or avoid the FINANCE CHARGE. The Minimum Payment will be 2.5% of your New Balance, or $10.00, whichever is greater, or your full New
Balance, if it is less than $10.00.  In addition, if you have exceeded your Credit Line, your Minimum Payment will include the full amount by which your New
Balance exceeds your Credit Line.  We will apply your payment first to the FINANCE CHARGE, then to any late charges, and then to your balance in the order
transactions were posted to your account.  Unless you direct otherwise, we will apply any excess over the Minimum Payment to your balance which is part
of the Amount Subject to Interest.  A minimum payment is required for every statement period that you carry a balance, and any additional amount paid, while
reducing your balance, will not prepay any future Minimum Payments.

8. DEFAULT - You will be in default if you fail to make the Minimum Payment on time twice during any 12 month period.  You will also be in default if your ability
to repay us or the value to our security interest is materially reduced by a change in your employment, an increase in your obligations, bankruptcy or
insolvency proceedings involving you, you or your spouse’s death, or your failure to abide by these Regulations.  We have the right to demand immediate
payment of your full account balance if you do not cure your default within 15 days after we send you a written default notice.   We have this right, without
notice, if the default is your third within 12 months and we notified you of the prior two.

9. SECURITY INTEREST - Each purchase and cash advance through your account constitutes a loan made by us to you in the State of Wisconsin.  You agree
that the Wisconsin Consumer Act applies to all these loans even though you may use them for business purposes, or you are a person not otherwise covered
by the Act.  To secure each purchase loan, you grant us a security interest under the Uniform Commercial Code in any goods you purchase with it.  If you
default, we will have the right to recover any of these goods which have not been fully paid for through our application of your payments in the manner
described in Paragraph 7.  If you give or have given us any other security interests for all your debts, your Card account will also be secured by the property
described in those security agreements (except your home, home furnishings, appliances and clothing).  You also agree to grant a security interest in all
shares and deposits now or hereafter held in Community First Credit Union, except funds held in an Individual Retirement Account or Keough/SEP plan, as
security for amounts owed under this agreement.  You authorize Community First Credit Union to apply these shares and deposits, in the event of default, and
to pay said amounts to the credit union.

10. ACCURACY OF INFORMATION - You certify that the information you have given Community First Credit Union for the purpose of obtaining credit is true and
complete.  In addition, you authorize Community First Credit Union to verify or check any of the information given and obtain additional information concerning
your credit standing (including your spouse’s if married and live in a community property state.)

11. MARITAL PROPERTY - You agree that the credit granted will be incurred in the interest of marriage or family.

12. CREDITS - If plan members who honor your Card give you credit for returns or adjustments, they will do so by sending us a credit slip which we will post to
your account.  We will apply those credits first to offset your current purchases, and then to your Previous Balance.  If your credits and payments exceed
what you owe us, we will hold and apply this credit balance against future purchases and cash advances, or refund it on your written request if it is $1.00
or more.  We will make a good faith attempt to return to you any credit balance which remains in your account for more than six months.

13. FOREIGN TRANSACTIONS - Foreign Transactions, purchases and cash advances made in foreign countries and foreign currencies will be billed to you in
U.S. dollars.  (A foreign transaction is any transaction where the merchant country differs from the country of the card issuer.)   The conversion into dollars
will be made in accordance with the operating rules for international transactions established by MasterCard International, Inc., or Visa USA, Inc. and may

occur on a date other than the date of the transaction; therefore the currency conversion rate may be different than the rate in effect at the time of the
transaction.  We do not determine the currency conversion rate that is used nor do we receive any portion of the currency conversion rate. For VISA, Inc.,
the exchange rate to dollars will be a rate in effect for the applicable central processing date and is selected by VISA, Inc., either from the range of rates
available in wholesale currency markets; or the government mandated rate.  VISA USA, Inc., charges Community First Credit Union a 1% conversion fee on
all foreign transactions including purchases, cash withdrawals or advances and credits. MasterCard International Inc., charges Community First Credit
Union a .8% Cross-border transaction fee.  A cross-border transaction is one in which the cardholder country differs from the country of the merchant.  This
fee  will  be  assessed  regardless  of  the  transaction  currency.    In  addition,  a  .2%  Currency  Conversion  Fee  will  be  assessed  on  all  transactions  where
MasterCard must convert a transaction to the cardholder’s billing currency. Community First Credit union will pass these fees on to you and will be shown
independently of the transaction on your billing statement.

14. PLAN MEMBER DISPUTES - We are not responsible for the refusal of any plan member or financial institution to honor your Card.  You must resolve directly
with  the  plan  member  any  disputes  regarding  goods  or  services  you  purchase  with  the  Card,  unless  (a)  your  purchase  was  made  in  response  to  an
advertisement we sent or participated in sending you; or (b) your purchase cost more than $50.00 and was made from a plan member in your state or within
100 miles of your home.

15. UNAUTHORIZED USE - You authorize us to pay from your account all items reflecting credit purchases or cash advances made with the card in spite of the
absence of your signature on the draft or the lack of presentation of the Card.  You may be liable for unauthorized use of your Card.  However, YOU WILL
NOT BE LIABLE FOR UNAUTHORIZED USE WHICH OCCURS AFTER YOU NOTIFY PAYMENT SYSTEMS FOR CREDIT UNIONS, INC. (“PSCU”) SECURITY
CENTER, 1-800-449-7728, OF THE LOSS, THEFT, OR POSSIBLE UNAUTHORIZED USE OF YOUR CARD. In any case, your liability for unauthorized use of your
Card will not exceed $50.00.

16. EFFECT OF REGULATIONS - These Regulations are the contract that applies to all transactions on your account even though the sales, cash advances or
credit slips you sign may contain different terms.  We may amend these Regulations from time to time.  If required by Section 422.415 of the Wisconsin
Statutes, we will provide written notice of an amendment 90 days prior to the date the amendment is effective.  Your use of the Card thereafter will indicate
your agreement to the amendments. To the extent the law permits, and we indicate in our notice, amendments will apply to your existing account balance
as well as to future transactions.  No delay or omission in exercising any rights granted to us hereunder shall impair such rights or be construed to be a
waiver thereof.  No waiver whatsoever shall be valid unless signed in writing by us and then only to the extent set forth therein.

17. TERMINATION - If you are a resident of Wisconsin, we may declare the account balance due and payable if we receive written notice from your spouse
terminating the account.  You will remain responsible for all amounts charged to your account both before and after receipt of such notice.  Your spouse,
however, will cease to be liable for extensions of credit to other cardholders on the 16th day after we receive his or her termination notice.  Your privilege of
using the Card and the account shall expire on the date shown on the Card.  You may terminate your account relationship with us at any time by surrendering
to us all your Cards but you will remain liable to us for full payment of any balance on your account.  We may revoke your Card at any time without prior
notification and without affecting your obligation to pay the account balance.

18. CHANGE OF ADDRESS - We will send all account statements and any other notices concerning this account to your address as shown on our records.  If

you change your address, you must notify us of your new address immediately.

19. APPLICABLE STATE LAWS - You hereby acknowledge that this agreement has been negotiated in the State of Wisconsin and that you have entered into
this agreement in the State of Wisconsin.  The validity, construction and enforcement of this agreement and all matters arising out of the issuance of your
Card shall be governed by the laws of the State of Wisconsin.

20. JOINT ACCOUNT - You agree that all parties to your account are authorized on your behalf to request credit limit increases, to agree to amendments or
modifications to the account, to enter into settlements or agreements with us regarding the account, to request additional Cards, or to authorize others to
transact business on the account.  You agree to be jointly and severally liable for all charges to the account made or authorized by any other party to the
account, whether or not such charges caused the account balances to exceed the credit limit.

21. ACKNOWLEDGEMENT AND AGREEMENT - By using your Card you acknowledge your agreement to the terms contained herein.  Please keep these
Regulations for your records. The information about the FINANCE CHARGE, ANNUAL PERCENTAGE RATE, and other charges described in this disclosure is
accurate as of November 21, 2006.  This information may have been changed after that date.  To find out what may have changed, call or write:

Community First Credit Union, P.O. Box 1487, Appleton, WI  54912-1487
(920) 830-7200 or Toll-Free 1-866-273-2328

For 24-hour cardholder service for general information
(about your account balance, available credit, or payments received or due), call 1-800-654-7728. 

YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE: This notice
contains important information about your rights and the responsibilities of
Community First Credit Union under the Fair Billing Act. Notify us in Case of
Errors or Questions About Your Statement. If you think your bill is wrong, or if
you need more information about a transaction on your bill, write us on a
separate sheet of paper at PSCU Service Center, P.O. Box 31112, Tampa, FL
33631-3112. 

Write as soon as possible. We must hear from you no later than 60 days after
we sent you the first bill on which the error or problem appeared. You can
telephone us, but doing so will not preserve your rights. In your letter, give us
the following information: 

• Your name and account number 
• The dollar amount of the suspected error 
• Describe the error and explain, if you can, why you believe there is an

error. If you need more information, describe the item in question

YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR
WRITTEN NOTICE: We must acknowledge your letter within 30 days, unless the
error has been corrected by then. Within 90 days, we must either correct the
error or explain why we believe the bill was correct. After we receive your letter,
we cannot try to collect any amount you question, or report you as delinquent.
We can continue to bill you for the amount you question, including FINANCE
CHARGES, and we can apply any unpaid amount against your credit limit. You
do not have to pay any questioned amount while we are investigating, but you
are still obligated to pay the parts of your bill that are not in question. If we find
that we made a mistake on your bill, you will not have to pay any FINANCE
CHARGES related to any questioned amount. If we did not make a mistake, you
may have to pay FINANCE CHARGES, and you will have to make up any missed
payments on the questioned amount. In either case, we will send you a
statement of the amount you owe and the date that it is due. If you fail to pay the
amount that we think you owe, we may report you as delinquent. However, if our
explanation does not satisfy you and you write to us within ten days telling us
that you still refuse to pay, we must tell anyone we report you to that you have a
question about your bill. We must also tell you the name of anyone we reported
you to. We must tell anyone we report you to that the matter has been settled
between us when it finally is. If we don't follow these rules, we can't collect the
first $50.00 of the questioned amount, even if your bill was correct. 

SPECIAL RULE FOR CREDIT CARD PURCHASES: If you have a problem with the
quality of property or services that you 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 property or services. There
are two limitations on this right: (a) you must have made the purchase in your
home state, or if not, within 100 miles of your current mailing address; and (b) the
purchase price must have been more than $50.00. These limitations do not apply
if we own or operated the merchant, or if we mailed you the advertisement for
the property or services. 

Card Rates and Terms
purchases 8.99%-18.99%*
advances 8.99%-18.99%*

Annual Percentage
Rate (APR) for

Annual Percentage
Rate (APR) for cash

Your APR may vary as determined by
Community First Credit Union

25 days from close date

Variable-rate
Information
Grace period for
repayment of balances
for purchases
Grace period for
repayment of balances
for cash advance
Method of computing
the balance for
purchases
Annual Fees None

None

Average daily balance
(including new purchases)

Minimum
Finance Charge

$0.50

Common Fees
Transaction fee for cash advances: $5.00
Balance transfer fee: None
Late payment fee: $25.00
Over-the-credit-limit fee: $25.00**
Returned check fee: $25.00
Non-sufficient funds fee: $25.00
International transfer fee: 1% of amount transfered

*You understand and agree that your APR is subject to increase based on the results of our periodic credit
evaluation of your credit worthiness, which includes, but is not limited to, our obtaining and evaluating
your consumer credit information. ** VISA/MASTERCARD Classic Secured Cards are not allowed to
exceed their credit limit. 
The information about the costs of the card described in this disclosure is accurate and effective as of
05/21/08.  This information may have changed after that date.  To find out what may have changed, call
us at 1-866-273-2328 or write us at P.O. Box 1487, Appleton, WI  54912-1487.