1

XPL

18.00%

18.00%

18.00%

INTEREST RATES and INTEREST CHARGES:Annual Percentage Rate (APR) for PurchasesThis APR will vary with the market based on the Prime Rate*.APR for Cash AdvancesThis APR will vary with the market based on the Prime Rate*.APR Balance TransfersThis APR will vary with the market based on the Prime Rate*.Penalty APR and When it Applies18.00%This APR may be applied to your account if you:• Make a payment that is late 60 days or more.How Long Will the Penalty APR Apply? If we increase your APRs due to a late payment, we may keep them at this higher level on existing and new balances until you make six consecutive on-time payments.How to Avoid Paying Interest on PurchasesYour due date is at least 25 days after we mail your billing statement. We will not charge you interest on purchases if you pay your entire statement balance by the due date each month.For Credit Card Tips from the Federal Reserve BoardTo learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board athttp://www.federalreserve.gov/creditcardFEES:SEE NEXT PAGE for more important information about this accountpage 1 of 2The 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.TRUTH-IN-LENDING DISCLOSURE STATEMENT - ACCOUNT OPENING DISCLOSURES9010 LASER XP FI14320 5-2011COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.LOAN NUMBERBORROWER 1 NAMEBORROWER 2 NAMEDATE5495 Arapahoe AveBoulder, CO 80303303-657-7000Premier Members Federal Credit UnionUp to $25.00 if your payment is 5 or more days late.$10.00 if your payment is returned for any reason.Fees to Open or Maintain your AccountNoneNone• Annual Fee:• Application Fee:Transaction Fees• Balance Transfer:• Cash Advance:• Foreign Transaction:2.50% of the amount of each transfer or $5.00, whichever is greater (maximum: $50.00)2.50% of the amount of each transfer or $5.00, whichever is greater (maximum: $50.00)1.00% of each transaction in U.S. dollars if the transaction involves a currency conversion0.80% of each transaction in U.S. dollars if the transaction does not involve a currency conversion• Late Payment:• Returned Payment:Penalty FeesCREDIT LIMITMEMBER NUMBERHow 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.18.900%

-0.900%

0.0493151%

0.0493151%

0.0493151%

0.0493000%

*Variable Rate Disclosures: The Annual Percentage Rate is subject to change on the first day of the billing cycle each quarter (January, April, July and October) to reflect any change in the Index. The Index is the Prime Rate as published in the "Money Rates" column of the Wall Street Journal on the 15th day of the month prior to a rate change, rounded to the nearest 0.25%. The Annual Percentage Rate will be equal to the Index plus a margin of                         . The Annual Percentage Rate will never be more than 18.00%. Any increase in the Annual Percentage Rate will take the form of additional payments shown as Total Minimum Payments on your statement. If the Index is no longer available, the Credit Union will choose a new Index which is based upon comparable information.SECURITY: 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. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES AND ANY DEPOSITS 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.OTHER IMPORTANT DISCLOSURES:page 2 of 2; Penalty APR:; Cash Advances:Purchases:;.Daily Periodic Rates:$35.00 per request$12.00$10.00$25.00Rush Card Fee:Visa Sales Draft Copy Fee:Card Replacement Fee:Skip a Payment Fee:Other Fees: In addition to the fees disclosed above, the following fees may be imposed:Minimum Payment Requirement: 2.5% of the outstanding balance, subject to a minimum of $25.00.Balance Transfers:If you have other loans with us, collateral securing such loans may also secure your obligations under this Agreement, unless that other collateral is your principal residence or non-purchase money household goods.