3.50

9.23

©CUNA Mutual Group 2009, 10, 12 All Rights Reserved 10421077-MXC40-P-1-110414 (MXC403 CCM003)-e SEE NEXT PAGE for more important information about your account.      F1     APPLICATION AND SOLICITATION DISCLOSURE  Interest Rates and Interest Charges Annual Percentage Rate (APR) for Purchases Visa Steel Secured F2           Introductory APR for a period of six billing cycles.  After that your APR will be F3           to F4          , based on your creditworthiness. This APR will vary with the market based on the Prime Rate.  Visa Steel Secured Rewards F5           to F6           when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.  Visa Steel Share Secured F7           Introductory APR for a period of six billing cycles.  After that your APR will be F8          . This APR will vary with the market based on the Prime Rate.  Visa Steel Share Secured Rewards F9             This APR will vary with the market based on the Prime Rate. APR for Balance Transfers Visa Steel Secured F10         Introductory APR for a period of six billing cycles.  After that your APR will be F11         to F12        , based on your creditworthiness. This APR will vary with the market based on the Prime Rate.  Visa Steel Secured Rewards F13         to F14         when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.  Visa Steel Share Secured F15         Introductory APR for a period of six billing cycles.  After that your APR will be F16        . This APR will vary with the market based on the Prime Rate.  Visa Steel Share Secured Rewards F17           This APR will vary with the market based on the Prime Rate. APR for Cash Advances Visa Steel Secured F18         to F19         when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.  0.00%0.00%0.00%9.23%17.98%12.23%17.98%6.23%9.23%9.23%17.98%12.23%17.98%6.23%9.23%9.23%17.98%0.00%EntryEntry                       10421077-MXC40-P-1-110414 (MXC403 CCM003)-e  SEE NEXT PAGE for more important information about your account. Visa Steel Secured Rewards F20         to F21         when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.  Visa Steel Share Secured F22          This APR will vary with the market based on the Prime Rate.  Visa Steel Share Secured Rewards F23           This APR will vary with the market based on the Prime Rate. Penalty APR and When it Applies Visa Steel Secured F24            Visa Steel Secured Rewards F25            Visa Steel Share Secured F26            Visa Steel Share Secured Rewards F27           This APR may be applied to your account if you:  - Make a late payment How Long Will the Penalty APR Apply? If your APRs are increased for these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.  Minimum Interest Charge If you are charged interest, the charge will be no less than F28        .  For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, or visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore. Fees Transaction Fees  - Balance Transfer Fee F29           - Cash Advance Fee F30           - Foreign Transaction Fee F31         of each transaction in U.S. dollars - Transaction Fee for Purchases F32           Penalty Fees  - Late Payment Fee Up to F33            - Over-the-Credit Limit Fee F34           - Returned Payment Fee Up to F35            How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”  Visa Steel Secured – Promotional Period for Introductory APR: The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the opening of your account.  Visa Steel Share Secured – Promotional Period for Introductory APR: The Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first six months following the opening of your account.  Visa Steel Secured – Loss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the Penalty APR if you are 60 days late in making a payment.  12.23%17.98%6.23%9.23%17.99%NoneNoneNone1%None$20.00$25.00$0.0117.99%17.99%17.99%November 1, 2014.

                       10421077-MXC40-P-1-110414 (MXC403 CCM003)-e   Visa Steel Share Secured – Loss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the Penalty APR if you are 60 days late in making a payment.  Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment. Minimum Interest Charge: The minimum interest charge will be charged on any dollar amount. Effective Date:  The information about the costs of the card described in this application is accurate as of F36                                This information may have changed after that date. To find out what may have changed, contact the Credit Union. OTHER DISCLOSURES Late Payment Fee F37      or the amount of the required minimum payment, whichever is less, if you are ten or more days late in making a payment. Returned Payment Fee F38      or the amount of the required minimum payment, whichever is less. Rush Fee F39            Secured Card: Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.   $20.00$25.00January 1, 2016.$25.00