©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved02800392-MXC20-C-1-113017 (MXC201-E)CREDIT CARDACCOUNTOPENINGDISCLOSUREThis Disclosure is incorporated into and becomes part ofYour LOANLINER® Consumer Credit Card Agreement &Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.Interest Rates and Interest ChargesAnnual Percentage Rate (APR) forPurchases Introductory APR for a period ofnine billing cycles.After that, Your APR will be.This APR will vary with the market based on the Prime Rate.APR for Balance Transfers Introductory APR for a period ofnine billing cycles.After that, Your APR will be.This APR will vary with the market based on the Prime Rate.APR for Cash Advances Introductory APR for a period ofnine billing cycles.After that, Your APR will be.This APR will vary with the market based on the Prime Rate.Paying InterestYour due date is at least 25 days after the close of each billing cycle. We willnot charge You any interest on purchases if You pay Your entire balance bythe due date each month. We will begin charging interest on cash advancesand balance transfers on the transaction date.For Credit Card Tips from theConsumer Financial Protection BureauTo learn more about factors to consider when applying for or using acredit card, visit the website of the Consumer Financial ProtectionBureau at http://www.consumerfinance.gov/learnmore.FeesTransaction Fees- Balance Transfer Fee1.00%of the amount of each balance transfer- Cash Advance Fee1.00% of the amount of each cash advance-Foreign Transaction Fee1.00% of each multiple currency transaction in U.S. dollars0.80% of each single currency transaction in U.S. dollarsPenalty Fees- Late Payment Fee- Returned Payment FeeUpto$20.00Up to$20.00How We Will Calculate Your Balance:Weuseamethodcalled"averagedailybalance(includingnewpurchases)."SeeYourAccountAgreementformoredetails.Promotional Period for Introductory APR:TheIntroductoryAPRforpurchases,balancetransfersandcashadvanceswillapplytotransactionspostedtoYourAccountduringthefirstthreebillingcyclesfollowingtheestablishmentofYourcreditline.WhenthePromotionalPeriodends,thestandardvariableAPRwillapplyforanynewbalances.Anyexistingbalancesonloanorcreditcardaccountsare not eligible for the Introductory APR for balance transfers.SEE NEXT PAGE for more important information about Your Account.©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved02800392-MXC20-C-1-113017 (MXC201-E)Billing Rights:InformationonYourrightstodisputetransactionsandhowtoexercisethoserightsisprovidedinYourAccountAgreement.Military Lending Act Disclosures:FederallawprovidesimportantprotectionstomembersoftheArmedForcesandtheirdependentsrelatingtoextensionsofconsumercredit.Ingeneral,thecostofconsumercredittoamemberoftheArmedForcesandhisorherdependentmaynotexceedanannualpercentagerateof36percent.Thisratemustinclude,asapplicabletothecredittransactionoraccount:Thecostsassociatedwithcreditinsurancepremiums;feesforancillaryproductssoldinconnectionwiththecredittransaction;anyapplicationfeecharged(otherthancertainapplicationfeesforspecifiedcredittransactionsoraccounts); and any participation fee charged (other than certain participation fees for a credit card account).Pleasecallusat1-800-296-2763/International:00800.4728.3000toreceiveoraldisclosuresoftheMilitaryLendingActdisclosure above and a description of the payment obligation.Other Fees & Disclosures:Late Payment Fee:$20.00ortheamountoftherequiredminimumpayment,whicheverisless,ifYouare15ormoredayslateinmakingapayment.IfYourAccountissubjecttoaLatePaymentFee,thefeewillbechargedtoYourAccountwhenYoudonotmaketherequiredminimumpaymentbyorwithinthenumberofdaysofthestatementPaymentDueDatesetforthonthisDisclosure.Balance Transfer Fee (Finance Charge):1.00%ofeachbalancetransfer.However,thisfeeiswaivedonalltransactionspostedduringthepromotionalperiod.IfYourAccountissubjecttoaBalanceTransferFee(financecharge),thefeewillbechargedtoYourAccountwhenYoutransfer a balance from an account of another creditor to the Account subject to Your Agreement.Cash Advance Fee (Finance Charge):1.00%ofeachcashadvance.However,thisfeeiswaivedonalltransactionspostedduringthepromotionalperiod.IfYourAccountissubjecttoaCashAdvanceFee(financecharge),thefeewillbechargedtoYourAccountwhenYouobtainacash advance from an ATM, the Credit Union or other financial institution.Returned Payment Fee:$20.00ortheamountoftherequiredminimumpayment,whicheverisless.IfYourAccountissubjecttoaReturnedPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.Card Replacement Fee:$9.00.IfYourAccountissubjecttoaCardReplacementFee,afeewillbechargedforeachreplacementCardthatisissued to You for any reason.Document Copy Fee:$15.00.IfYourAccountissubjecttoaDocumentCopyFee,exceptaslimitedbyapplicablelaw,afeemaybechargedtoYourAccountforeachcopyofasalesdraftorstatementthatYourequest(exceptwhentherequestismadeinconnection with a billing error made by the Credit Union).Emergency Card Replacement Fee:$62.00.IfYourAccountissubjecttoanEmergencyCardReplacementFee,afeewillbechargedtoYourAccountforeach emergency replacement Card that is issued to You.Rush Fee:$62.00.IfYourAccountissubjecttoaRushFee,exceptaslimitedbyapplicablelaw,afeemaybechargedtoYourAccountforeachrushCardthatYourequest,providingthatdeliveryoftheCardisalsoavailablebystandardmailservice,without paying a fee for delivery.Statement Copy Fee:$2.00.IfYourAccountissubjecttoaStatementCopyFee,exceptaslimitedbyapplicablelawandwhentherequestismadeinconnectionwithabillingerrormadebytheCreditUnion,afeemaybechargedtoYourAccountforeachcopyofa sales draft or statement that You request.SEE NEXT PAGE for more important information about Your Account.©CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved02800392-MXC20-C-1-113017 (MXC201-E)Collection Costs:YouagreetopayallcostsofcollectingtheamountYouoweunderthisAgreement,includingcourtcostsandreasonableattorney's fees.Periodic Rates:The Introductory Purchase APR is whichis adaily periodic rate of.The Purchase APR is whichis adaily periodic rate of.The IntroductoryBalance TransferAPR is whichis adaily periodic rate of.TheBalance TransferAPR is whichis adaily periodic rate of.The IntroductoryCash Advance APR is whichis adaily periodic rate of.TheCash AdvanceAPR is whichis adaily periodic rate of.Variable Rate:TheANNUALPERCENTAGERATEmayincreaseinthefuture.TheANNUALPERCENTAGERATEissubjecttochangeonthefirstdayofthebillingcyclequarterlytoreflectanychangeintheIndexandwillbedeterminedbythePrimeRateonthefirstdayofeachcalendarquarter(January,April,JulyandOctober),towhichWeaddamargin.AnyincreaseintheANNUALPERCENTAGERATEwillresultinanincreaseintheamountoftheinterestYouwillpay,mayincreaseYourminimumpayment,andmayincreasethenumberofpaymentstopayoffYourbalance.IftheIndexisnolongeravailable,the Credit Union will choose a new index which is based upon comparable information.Margin:Purchases will be charged at above the Index.Balance Transfers will be charged at above the Index.Cash Advances will be charged at above the Index.Page4 of602800392-MXC30-P-1-062017 (MXC302-E)standing.WemayreportinformationaboutYourAccounttocreditbureaus.Latepayments,missedpayments,orotherdefaults on Your Account may be reflected on Your credit report.15.JOINTACCOUNTS—IfthisisajointAccount,eachofYouwillbeindividuallyandjointlyresponsibleforpayingallamountsowedunderthisAgreement.ThismeansthattheCreditUnioncanrequireanyoneofYouindividuallytorepaytheentireamountowedunderthisAgreement.EachofYouauthorizestheother(s)tomaketransactionsontheAccountindividually. Any one ofYou may terminate theAccount and the termination will be effective as to all ofYou.16.EFFECTOFAGREEMENT—ThisAgreementisthecontractwhichappliestoalltransactionsonYourAccounteventhough the sales, cash advances, credit or other slipsYou sign or receive may contain different terms.17.SEVERABILITYANDFINALEXPRESSION—ThisAgreementisthefinalexpressionofthetermsandconditionsofYourAccount.ThiswrittenAgreementmaynotbecontradictedbyevidenceofanyallegedoralAgreement.ShouldanypartofthisAgreementbefoundtobeinvalidorunenforceable,allotherpartsofthisAgreementshallremainineffectandfully enforceable to the fullest extent possible under thisAgreement.18.ILLEGALTRANSACTIONSPROHIBITED—YouagreethatYouwillnotuseYourCardforanytransaction,includinganytype of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.EvenifYouuseYourCardforanillegaltransaction,Youwillberesponsibleforallamountsandchargesincurredinconnectionwiththetransaction.Thisparagraphshallnotbeinterpretedaspermittingorauthorizinganytransactionthatisillegal.19.APPLICABLELAW—ThetermsandenforcementofthisAgreementshallbegovernedbyfederallawandthelawofNew Hampshire.20.ENFORCINGTHISAGREEMENT—WecandelayinenforcingorfailtoenforceanyofOurrightsunderthisAgreement without losing them.21.COLLECTIONCOSTS—IfWerefercollectionofYourAccounttoalawyerwhoisnotOursalariedemployee,Youareliableforanyreasonableattorney’sfeesWeincur,plusthecostsandexpensesofanylegalaction,asfurtherdisclosed on this Agreement, or to the extent allowed by law.22.ASSIGNMENT—We may assign any or all ofOur rights and obligations under thisAgreement to a third party.23.CALIFORNIARESIDENTS—AmarriedapplicantmayapplyforaseparateAccount.Applicants:1)may,aftercreditapproval,usethecreditcardAccountuptoitscreditlimit;2)maybeliableforamountsextendedundertheplantoanyjointapplicant.Asrequiredbylaw,YouareherebynotifiedthatanegativecreditreportreflectingonYourcreditrecordmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.24.FLORIDARESIDENTS—You(borrower)agreethat,shouldWeobtainajudgmentagainstYou,aportionofYourdisposableearningsmaybeattachedorgarnished(paidtoUsbyYouremployer),asprovidedbyFloridaand Federal law.25.MARYLAND RESIDENTS—To the extent, if any, that Maryland law applies to Your Account, We elect to offer YourCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.26.MISSOURIRESIDENTS—OralAgreementsorcommitmentstoloanmoney,extendcreditortoforbearfromenforcingrepaymentofadebtincludingpromisestoextendorrenewsuchdebtarenotenforceable.ToprotectYou(borrower(s))andUs(creditor)frommisunderstandingordisappointment,anyAgreementsWereachcoveringsuchmattersarecontainedinthiswriting,whichisthecompleteandexclusivestatementoftheAgreement between Us, except as We may later agree in writing to modify it.27.NEWYORKRESIDENTS—WemayobtainacreditreportinconnectionwiththisAccount,includingforanyreview,modification,renewalorcollectionsassociatedwiththisAccount.UponYourrequest,Youwillbeinformedwhethersuchreportwasrequestedand,ifso,thenameandaddressoftheconsumerreportingagencyfurnishingthereport.NewYorkresidentsmaycontacttheNewYorkStateBankingDepartmentat800.342.3736orwww.dfs.ny.govtoobtainacomparative listing of credit card rates, fees and grace periods.28.OHIORESIDENTS—TheOhiolawsagainstdiscriminationrequirethatallcreditorsmakecreditequallyavailabletoallcreditworthycustomersandthatcreditreportingagenciesmaintainseparatecredithistoriesoneachindividualuponrequest. The Ohio Civil Rights Commission administers compliance with this law.29.SOUTHDAKOTARESIDENTS—IfYoubelievetherehavebeenanyimproprietiesinmakingthisloanorinthelender’sloanpractices,YoumaycontacttheSouthDakotaDivisionofBankingat1601N.HarrisonAve,Suite1,Pierre,SD 57501, or by phone at 605.773.3421.30.WISCONSINRESIDENTS—IfYouaremarried,pleasecontactUsimmediatelyuponreceiptofthisAgreementattheaddressorphonenumberlistedonthisAgreementandprovideUswiththenameandaddressofYourspouse.Wearerequired to inform Your spouse that We have opened an Account for You.31.NOTICETOUTAHBORROWERS—ThiswrittenAgreementisafinalexpressionoftheAgreementbetweenYouandtheCreditUnion.ThiswrittenAgreementmaynotbecontradictedbyevidenceofanyoralAgreement.Asrequiredbylaw,YouareherebynotifiedthatanegativecreditreportreflectingonYourcreditrecordmaybesubmittedtoacreditreporting agency if You fail to fulfill the terms of Your credit obligations.Page5 of602800392-MXC30-P-1-062017 (MXC302-E)32.THEFOLLOWINGISREQUIREDBYVERMONTLAW—NOTICETOCO-SIGNER—YOURSIGNATUREONTHISNOTEMEANSTHATYOUAREEQUALLYLIABLEFORREPAYMENTOFTHISLOAN.IFTHEBORROWERDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.Page6 of602800392-MXC30-P-1-062017 (MXC302-E)Your Billing Rights: Keep this Document for Future UseThis notice tellsYou aboutYour rights andOur responsibilities under the Fair Credit Billing Act.What To Do If You Find A Mistake On Your StatementIfYou think there is an error onYour statement, write toUs at the address listed onYour statement.InYour letter, giveUs the following information:-Account information: Your name andAccount number.-Dollar amount: The dollar amount of the suspected error.-Descriptionofproblem:IfYouthinkthereisanerroronYourbill,describewhatYoubelieveiswrongandwhyYoubelieve it is a mistake.You must contactUs:-Within 60 days after the error appeared onYour statement.-Atleastthreebusinessdaysbeforeanautomatedpaymentisscheduled,ifYouwanttostoppaymentontheamountYou think is wrong.YoumustnotifyUsofanypotentialerrorsinwritingorelectronically.YoumaycallUs,butifYoudoWearenotrequiredto investigate any potential errors andYou may have to pay the amount in question.What Will Happen After We Receive Your LetterWhenWe receiveYour letter,We must do two things:1.Within30daysofreceivingYourletter,WemusttellYouthatWereceivedYourletter.WewillalsotellYouifWehavealready corrected the error.2.Within90daysofreceivingYourletter,WemusteithercorrecttheerrororexplaintoYouwhyWebelievethebilliscorrect.WhileWe investigate whether or not there has been an error:-We cannot try to collect the amount in question, or reportYou as delinquent on that amount.-The charge in question may remain onYour statement, andWe may continue to chargeYou interest on that amount.-WhileYou do not have to pay the amount in question,You are responsible for the remainder ofYour balance.-Wecan apply any unpaid amount againstYour credit limit.AfterWe finishOur investigation, one of two things will happen:-IfWemadeamistake:Youwillnothavetopaytheamountinquestionoranyinterestorotherfeesrelatedtothatamount.-IfWedonotbelievetherewasamistake:Youwillhavetopaytheamountinquestion,alongwithapplicableinterestandfees.WewillsendYouastatementoftheamountYouoweandthedatepaymentisdue.WemaythenreportYou as delinquent ifYou do not pay the amountWe thinkYou owe.IfYoureceiveOurexplanationbutstillbelieveYourbilliswrong,YoumustwritetoUswithin10daystellingUsthatYoustillrefusetopay.IfYoudoso,WecannotreportYouasdelinquentwithoutalsoreportingthatYouarequestioningYourbill.WemusttellYouthenameofanyonetowhomWereportedYouasdelinquent,andWemustletthoseorganizationsknow when the matter has been settled betweenUs.IfWedonotfollowalloftherulesabove,Youdonothavetopaythefirst$50oftheamountYouquestionevenifYourbillis correct.Your Rights if You Are Dissatisfied With Your Credit Card PurchasesIfYouaredissatisfiedwiththegoodsorservicesthatYouhavepurchasedwithYourcreditcard,andYouhavetriedingoodfaithtocorrecttheproblemwiththemerchant,Youmayhavetherightnottopaytheremainingamountdueonthepurchase.To use this right, all of the following must be true:1.ThepurchasemusthavebeenmadeinYourhomestateorwithin100milesofYourcurrentmailingaddress,andthepurchasepricemusthavebeenmorethan$50.(Note:NeitherofthesearenecessaryifYourpurchasewasbasedonan advertisementWe mailed toYou, or ifWe own the company that soldYou the goods or services.)2.YoumusthaveusedYourcreditcardforthepurchase.PurchasesmadewithcashadvancesfromanATMorwithacheck that accessesYour credit cardAccount do not qualify.3.You must not yet have fully paid for the purchase.IfallofthecriteriaabovearemetandYouarestilldissatisfiedwiththepurchase,contactUsinwritingorelectronicallyatthe address listed onYour statement.WhileWeinvestigate,thesamerulesapplytothedisputedamountasdiscussedabove.AfterWefinishOurinvestigation,WewilltellYouOurdecision.Atthatpoint,ifWethinkYouoweanamountandYoudonotpay,WemayreportYouasdelinquent.