©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVEDDCOBZ0 (MXC500 CCM000)VISA PLATINUM AND VISA PLATINUM REWARDSCONSUMER CREDIT CARD AGREEMENTIn this Agreement, “Agreement” means this Consumer Credit Card Agreement. “Disclosure” means the Credit CardAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit CardAgreement and is part of the Agreement. In this Agreement the words "you," “your,” and "yours" mean each and allof those who agree to be bound by this Agreement; "card" means the Visa credit card and any duplicates,renewals, or substitutions the Credit Union issues to you; "account" means your Visa credit card line-of-creditaccount with the Credit Union; and "Credit Union" means the Credit Union whose name appears on this Agreementor anyone to whom the Credit Union transfers this Agreement.1.USING YOUR ACCOUNT — If you are approved for an account, the Credit Union will establish a line of creditfor you. You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus"other charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, theCredit Union will not allow advances over the credit limit. If the Credit Union has a program whereby it allowspayment of advances that exceed your credit limit, the Credit Union will provide you with notice, either orally, inwriting, or electronically (notwithstanding the requirements of the paragraph entitled “Statements and Notices”)explaining your right to opt in to the Credit Union’s program whereby it will honor advance requests over the creditlimit. In the event you opt in to such a program, you agree to the terms of such a program. You may request anincrease in your credit limit only by a method acceptable to the Credit Union. The Credit Union may increase ordecrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason notprohibited by law. If you are permitted to obtain cash advances on your account, we may, from time to time, issueconvenience checks to you that may be drawn on your account. Convenience checks may not be used to make apayment on your account balance. If you use a convenience check, it will be posted to your account as a cashadvance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason andsuch 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 anyfee imposed to stop a payment on a convenience check issued on your account. You may make a stop paymentrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of thepresentment of the check for payment to give us a reasonable opportunity to act on your request. In addition, yourrequest must accurately describe the check including the exact account number, the payee, any check number thatmay be applicable, and the exact amount of the check. If permitted, you may make a stop payment request orallybut such a request will expire after 14 days unless you confirm your request in writing within that time. Written stoppayment orders are effective only for six (6) months and may be renewed for additional six month periods byrequesting in writing that the stop payment order be renewed. We are not required to notify you when a stoppayment order expires. If we re-credit your account after paying a check or draft over a valid and timely stoppayment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of yourrights against the payee or other holders of the check or draft and to assist us in any legal action. You agree toindemnify and hold us harmless from all costs and expenses, including attorney's fees, damages, or claims, relatedto our honoring your stop payment request or in failing to stop payment of an item as a result of incorrectinformation provided to us or the giving of inadequate time to act upon a stop payment request.2.USING YOUR CARD — You understand that the use of your credit card will constitute acknowledgement ofreceipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure(Disclosure). You may use your card to make purchases from merchants and others who accept your card. Thecredit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wishto pay for goods or services over the Internet, you may be required to provide card number security informationbefore you will be permitted to complete the transaction. In addition, you may obtain cash advances from the CreditUnion, from other financial institutions that accept your card, and from some automated teller machines (ATMs).(Not all ATMs accept your card.) If the credit union authorizes ATM transactions with your card, it will issue you apersonal identification number (PIN). To obtain cash advances from an ATM, you must use the PIN issued to youfor use with your card. You agree that you will not use your card for any transaction that is illegal under applicablefederal, state, or local law. Even if you use your card for an illegal transaction, you will be responsible for allamounts and charges incurred in connection with the transaction. If you are permitted to obtain cash advances onyour account, you may also use your card to purchase instruments and engage in transactions that we consider theequivalent of cash. Such transactions will be posted to your account as cash advances and include, but are notlimited to, wire transfers, money orders, bets, lottery tickets, and casino gaming chips. This paragraph shall not beinterpreted as permitting or authorizing any transaction that is illegal.©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVEDDCOBZ0 (MXC500 CCM000)3.PROMISE TO PAY — You promise to pay all charges (purchases, cash advances, balance transfers, use ofconvenience checks or any other charge) made to your account by you or anyone you authorize to use youraccount. You also promise to pay all finance charges and other charges added to your account under the terms ofthis Agreement or another agreement you made with the Credit Union. If this is a joint account, the paragraph onJOINT ACCOUNTS also applies to your account.4.PERIODIC RATES — The periodic rates applicable to purchases, cash advances, and balance transfers aredisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing tomake a payment by the payment due date is also disclosed on the Disclosure. The rate charged on purchases,cash advances, balance transfers, and any penalty rate will not vary from month to month unless we notify you inadvance that the rate(s) will change as required by law. If the rate for your account is variable, as indicated on theaccompanying Disclosure, the rate charged on purchases, cash advances, balance transfers and any penalty ratewill vary periodically as disclosed in the Disclosure accompanying this Agreement. The initial rate on your accountfor certain types of transactions may be an introductory discounted rate (Introductory Rate) that is lower than therate that would ordinarily apply for that type of transaction. If an Introductory Rate applies to your account, the ratesand the period of time it will be effective is shown on the Disclosure accompanying this Agreement. After theIntroductory Rate period expires, the periodic rate will automatically increase to the rates that would ordinarily applyfor that type of transaction based on the terms of this Agreement.5.FINANCE CHARGES — New purchases posted to your account during a billing cycle will not incur a financecharge for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid theentire new balance on the previous cycle's billing statement by the payment due date of that statement; otherwise afinance charge will accrue from the date a purchase is posted to your account. To avoid an additional financecharge on the balance of purchases, you must pay the entire new balance on the billing statement by the paymentdue date of that statement. A finance charge begins to accrue on cash advances from the date you get the cashadvance or from the first day of the billing cycle in which the cash advance is posted to your account, whichever islater.The finance charge is calculated separately for purchases and cash advances. For purchases, the finance chargeis computed by applying the periodic rate to the average daily balance of purchases. To get the average dailybalance of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases,and subtract any payments and/or credits. This gives us the daily balance of purchases. Then, we add all the dailybalances of purchases 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 of purchases. Balance transfers are calculated in the same manner aspurchases.For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance ofcash advances. To get the average daily balance of cash advances, we take the beginning outstanding balance ofcash advances each day, add in any new cash advances, and subtract any payments and/or credits that we applyto the cash advance balance. This gives us the daily balance of cash advances. Then, we add all the dailybalances of cash advances for the billing cycle together and divide the total by the number of days in the billingcycle. This gives us the average daily balance of cash advances.6.FOREIGN TRANSACTIONS — Purchases and cash advances made in foreign currencies will be debited fromyour account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used forprocessing international transactions is a rate selected by Visa from a range of rates available in wholesalecurrency markets for the applicable central processing date, which rate may vary from the rate Visa itself receivesor the government-mandated rate in effect for the applicable central processing date. The exchange rate used onthe processing date may differ from the rate that would have been used on the purchase date or cardholderstatement posting date.A fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions,including purchases, cash advances and credits to your account. A fee (finance charge), calculated in U.S. dollars,will be imposed on all single currency foreign transactions, including purchases, cash advances and credits to youraccount. A foreign transaction is any transaction that you complete or a merchant completes on your card outsideof the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates.The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.7.FEES — In addition to the periodic rate, the following additional fees may be imposed on your account. Ifapplicable to your account, the fee amounts and explanations are disclosed on the Disclosure accompanying thisAgreement. Your account may also be subject to additional fees as set forth on the Disclosure accompanying thisAgreement.a.Annual Fee. If your account is subject to an Annual Fee, the fee will be added to your account upon theissuance of your card. Each year following, the annual fee will be added to your account during the same monththat you were first charged the fee. The fee will be charged each year until your account is closed and paid in full.b.Balance Transfer Fee. If your account is subject to a Balance Transfer Fee, the fee will be added to youraccount when you transfer a balance from an account of another creditor to the account subject to this Agreement.©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVEDDCOBZ0 (MXC500 CCM000)c.Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), thefee will be added to your account when you obtain a cash advance from an ATM, the Credit Union or other financialinstitution.d.Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (financecharge), a fee may be added to your account for transactions made outside of the United States or in a foreigncurrency. Transactions made in a foreign currency using a Visa branded card or processed by a network operatedor affiliated with Visa will be subject to a fee as set forth on the Disclosure accompanying this Agreement.e.Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be added to your accountwhen you do not make the required minimum payment by or within the number of days of the statement PaymentDue Date set forth on the Disclosure accompanying this Agreement.f.Over-the-Credit-Limit Fee. If you have elected the feature to allow your account to go over your credit limit, wemay charge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in thenext two billing cycles unless you have obtained an additional extension of credit in excess of such credit limitduring each subsequent cycle or you have reduced the balance below the credit limit as of the end of each billcycle.g.Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be added to youraccount when a payment is returned to you for any reason.h.Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be added toyour account for each rush card that you request, providing delivery of the card is also available by standard mailservice, without paying a fee for delivery.i.Inactivity Fee. If your account is subject to Inactivity Fee, a fee will be added to your account as disclosed onthe Disclosure accompanying this Agreement.8.PAYMENTS — Each month you must pay at least the minimum payment shown on your statement by the datespecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the totalnew balance in full. If you make extra or larger payments, you are still required to make at least the minimumpayment each month your account has a balance (other than a credit balance). For our Visa Platinum, the minimumpayment is 2.50% of your total new balance, or $25.00, whichever is greater, plus the amount of any prior minimumpayments that you have not made, and any amount you are over your credit limit. For our Visa Platinum Rewards,the minimum payment is 2.50% of your total new balance, or $25.00, whichever is greater, plus the amount of anyprior minimum payments that you have not made, and any amount you are over your credit limit. In addition to theminimum payment, you must also pay, by the date specified above, the amount of any prior minimum payment(s)that you have not made, all outstanding unpaid fees and charges, and any amount you are over your credit limit.The Credit Union also has the right to demand immediate payment of any amount by which you are over your creditlimit.9.PAYMENT ALLOCATION — Subject to applicable law, your payments may be applied to what you owe theCredit Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment inexcess of the required minimum periodic payment, the Credit Union will allocate the excess amount first to thebalance with the highest annual percentage rate and any remaining portion to the other balances in descendingorder based on applicable annual percentage rate.10.SECURITY INTEREST — You grant the Credit Union a security interest under the Uniform Commercial Codeand under any common law rights the Credit Union may have in any goods you purchase. If you give the CreditUnion a specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure youraccount. You may not withdraw amounts that have been specifically pledged to secure your account until the CreditUnion agrees to release all or part of the pledged amount.Your Account is secured by all other shares you have in any individual or joint account with the CreditUnion, except for shares in an Individual Retirement Account or in any other account that would losespecial tax treatment under state or federal law if given as security. These other shares may bewithdrawn unless you are in default under this agreement. You authorize the Credit Union to apply thebalance in your individual or joint share accounts to pay any amounts due on your Account if youshould default.Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling willnever be considered as security for this account, notwithstanding anything to the contrary in any other agreement.11.DEFAULT — You will be in default if you fail to make any minimum payment or other required payment by thedate that it is due. You will be in default if you break any promise you make under this Agreement. You will be indefault if you die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they becomedue. You will be in default if you make any false or misleading statements in any credit application or credit update.You will also be in default if something happens that the Credit Union believes may substantially reduce your abilityto repay what you owe.When you are in default, the Credit Union has the right to demand immediate payment of your full account balancewithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVEDDCOBZ0 (MXC500 CCM000)periodic rate charged before default, until what you owe has been paid, and any shares that were given as securityfor your account may be applied towards what you owe.12.LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION — You may be liable for theunauthorized use of your credit card. Notify us immediately, in writing or by telephone at the address or phonenumber on the Disclosure included with this Agreement, if your card is lost, stolen or you suspect there has beenunauthorized use of your card or account. After we receive your notification, you will not be liable for any furtherunauthorized use of your card or account. You will not be liable for unauthorized use that occurs after you notify usof the loss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases made with yourcredit card, unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed$50.00.13.CHANGING OR TERMINATING YOUR ACCOUNT — The Credit Union may change the terms of thisAgreement and any attached Disclosure from time to time. Notice of any change will be given in accordance withapplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing accountbalance as well as to future transactions.Either you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Unionwill not affect your obligation to pay the account balance plus any finance and other charges you owe under thisAgreement. You are also responsible for all transactions made to your account after termination, unless thetransactions were unauthorized.The card or cards you receive remain the property of the Credit Union and you must recover and surrender to theCredit Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. TheCredit Union has the right to require you to pay your full account balance at any time after your account isterminated, whether it is terminated by you or the Credit Union. If this is a joint account, the paragraph on JOINTACCOUNTS of this Agreement also applies to termination of the account.14.CHANGING OR TERMINATING AUTHORIZED USERS — Upon your request, we may issue additional cardsfor authorized users that you designate. You must notify us in writing of any termination of an authorized user's rightto access your account. Your letter must include the name of the authorized user and your account number and/orany subaccount number issued to the authorized user along with the authorized user's card and any convenienceor other access checks issued to the authorized user. If you cannot return the authorized user's card or accesschecks and if you request your account to be closed, we will close your account and you may apply for a newaccount.15.CREDIT REVIEW AND RELEASE OF INFORMATION — You authorize the Credit Union to investigate yourcredit standing when opening or reviewing your account. You authorize the Credit Union to disclose informationregarding your account to credit bureaus and creditors who inquire about your credit standing. If your account iseligible for emergency cash and/or emergency card replacement services, and you request such services, youagree that we may provide personal information about you and your account that is necessary to provide you withthe requested service(s).16.RETURNS AND ADJUSTMENTS — Merchants and others who honor your card may give credit for returns oradjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. Ifyour credits and payments exceed what you owe the Credit Union, the amount will be applied against futurepurchases and cash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your writtenrequest or automatically after six (6) months.17.ADDITIONAL BENEFITS/CARD ENHANCEMENTS — The Credit Union may from time to time offer additionalservices to your account, such as travel accident insurance, at no additional cost to you. You understand that theCredit Union is not obligated to offer such services and may withdraw or change them at any time.18.MERCHANT DISPUTES — The Credit Union is not responsible for the refusal of any merchant or financialinstitution to honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising outof goods or services you purchase with the card if you have made a good faith attempt but have been unable toobtain satisfaction from the merchant or service provider, and (a) your purchase was made in response to anadvertisement the Credit Union sent or participated in sending to you; or (b) your purchase cost more than $50.00and was made in your state or within 100 miles of your home.19.JOINT ACCOUNTS — If this is a joint account, each person on the account will be individually and jointlyresponsible for paying all amounts owed under this Agreement. This means that the Credit Union can require anyone of you individually to repay the entire amount owed under this Agreement. Each of you authorizes the other(s)to make purchases or cash advances individually. Any one of you may terminate the account and the terminationwill be effective as to all of you.20.EFFECT OF AGREEMENT — This Agreement is the contract which applies to all transactions on your accounteven though the sales, cash advances, credit or other slips you sign or receive may contain different terms.21.NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them.22.STATEMENTS AND NOTICES — Statements and notices will be mailed to you at the appropriate address youhave given the Credit Union. Notice sent to any one of you will be considered notice to all.©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVEDDCOBZ0 (MXC500 CCM000)23.SEVERABILITY AND FINAL EXPRESSION — This Agreement and the Disclosure are the final expression ofthe terms and conditions of your account. This written Agreement and Disclosure may not be contradicted byevidence of any alleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalidor unenforceable, all other parts of this Agreement and Disclosure shall remain in effect and fully enforceable to thefullest extent possible under this Agreement.24.COPY RECEIVED — You acknowledge that you have received a copy of this Agreement and Disclosure.25.INTERNET GAMBLING TRANSACTIONS PROHIBITED — You may not use your card to initiate any type ofelectronic gambling transaction through the Internet.26.PENALTY RATE DISCLOSURES — All rates for your account, including the rates for purchases, cashadvances, and balance transfers, will automatically increase to the Penalty Rate disclosed on the Disclosureaccompanying this Agreement when you 1) do not make a payment on time, 2) go over your credit limit, and/or 3)when a payment you make is returned. Please see the Disclosure for the conditions under which a Penalty Ratewill be applied.The rates for purchases, cash advances and balance transfers will automatically revert to the rates then in effect forthose balances when you meet the conditions that appear on the Disclosure.27.NOTIFICATION INFORMATION FOR REPORTING LOST, STOLEN AND UNAUTHORIZED USE OF CARD— You agree to notify us immediately, orally or in writing, at 5495 Arapahoe Ave., Boulder, CO 80303 or telephone(303) 657-7000 Monday through Friday 7:30 a.m. to 6:00 p.m. or (800) 468-0634 Monday through Friday 7:30 a.m.to 6:00 p.m., of the loss, theft, or unauthorized use of your credit card.28.NOTICE TO UTAH BORROWERS — This written agreement is a final expression of the agreement betweenyou and the Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.29.THE FOLLOWING IS REQUIRED BY VERMONT LAW — NOTICE TO CO-SIGNER — YOUR SIGNATUREON THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THEBORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.30.NOTICE TO ALABAMA BORROWERS — CAUTION: IT IS IMPORTANT THAT YOU THOROUGHLY READTHIS AGREEMENT BEFORE YOU SIGN IT.YOUR BILLING RIGHTS — KEEP THIS NOTICE FOR FUTURE USEThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.WHAT TO DO IF YOU THINK YOU FIND A MISTAKE ON YOUR STATEMENT — If you think there is an error onyour 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 whyyou believe it is a mistake.You must contact us within 60 days after the error appeared on your statement.You must notify us of any potential errors in writing (or electronically). You may call us, but if you do we are notrequired to investigate any potential errors and you may have to pay the amount in question.While we investigate whether or not there has been an error, the following are true:• 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 thatamount. But, if we determine that we made a mistake, you will not have to pay the amount in question or anyinterest or other fees related to 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.YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES — If you are dissatisfiedwith the goods or services that you have purchased with your credit card, and you have tried in good faith to correctthe problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.To use this right, all of the following must be true:• 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 $50.00. (Note: Neither of these are necessary if yourpurchase was based on an advertisement we mailed to you, or if we own the company that sold you the goodsor services.)• You must have used your credit card for the purchase. Purchases made with cash advances from an ATM orwith a check that accesses your credit card account do not qualify.• 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 (orelectronically) at the address listed on your statement.©CUNA MUTUAL GROUP, 1991, 2006, 09, ALL RIGHTS RESERVEDDCOBZ0 (MXC500 CCM000)While we investigate, the same rules apply to the disputed amount as discussed above. After we finish ourinvestigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we mayreport you as delinquent.SPECIAL RULE FOR CREDIT CARD PURCHASES — If you have a problem with the quality of property orservices that you purchased with a credit card and you have tried in good faith to correct the problem with themerchant, you may have the right not to pay the remaining amount due on the property or services. There are two(2) limitations on this right:• You must have made the purchase in your home state or, if not within your home state, within 100 miles of yourcurrent mailing address; and• The purchase price must have been more than $50.00.These limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for theproperty or services.13.15

16.15

13.15

18.00

2.50

2.50

None

None

None

50.00

5.00

5.00

1.00

0.80

None

35.00

35.00

10.00

©CUNA MUTUAL GROUP, 2009, ALL RIGHTS RESERVEDDCOCB0 (MXC450 CCM000)SEE BACK OF PAGE for more important information about your account.VISA PLATINUMCREDIT CARD ACCOUNT OPENING DISCLOSUREThis Addendum is incorporated into and becomes part of your LOANLINER® Consumer Credit Card Agreement.Please keep this attached to your LOANLINER® Consumer Credit Card Agreement.Interest Rates and Interest ChargesAnnual Percentage Rate (APR) forPurchases            %This APR will vary with the market based on the Prime Rate.APR for Cash Advances            %This APR will vary with the market based on the Prime Rate.APR for Balance Transfers            %This APR will vary with the market based on the Prime Rate.Penalty APR and When it Applies          %This APR may be applied to the entire balance on your account if you:• Make a Late PaymentHow Long Will the Penalty APR Apply? If your APRs are increasedfor any of these reasons, the Penalty APR will apply until you make six(6) consecutive minimum payments when due and do not exceed yourcredit limit during that time period.How to Avoid Paying Interest on PurchasesYour due date is at least 25 days after the close of each billing cycle.We do not charge you interest on purchases if you pay your entirebalance by the due date each month.For Credit Card Tips from the FederalReserve BoardTo learn more about factors to consider when applying for or using acredit card, visit the Web site of the Federal Reserve Board athttp://www.federalreserve.gov/creditcard.FeesSet-up and Maintenance Fees• Annual Fee          • Account Set-Up Fee          • PIN Replacement Fee          • Account Inactive Fee$            waived unless zero balance and no transactions posted toyour account within a 12 month period.Transaction Fees• Balance Transfer Fee$              or            % of the amount of each transfer, whichever isgreater (max. fee: $50.00)• Cash Advance Fee$              or             % of the amount of each cash advance, whicheveris greater (max. fee of $50.00)• Foreign Transaction Fee          %of each multiple currency transaction in U.S. dollars          %of each single currency transaction in U.S. dollars• Transaction Fee for Purchases          Penalty Fees• Late Payment Fee$           if you are five (5) or more days late• Over-the-Credit-Limit Fee$           (if applicable)• Returned Payment Fee$           per returned paymentHow We Will Calculate Your Balance. We use a method called “average daily balance (including new purchases).” Seeyour account agreement for more details.25.00

13.15

16.15

13.15

18.00

0.0360

0.0442

0.0360

0.0493

9.90

12.90

9.90

DCOCB0 (MXC450)-eBilling Rights.  Information on our rights to dispute transactions and how to exercise those rights is provided in youraccount Agreement.OTHER DISCLOSURESOther Fees• Rush Fee$          per requestCollection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including courtcosts and reasonable attorney's fees.Collection Costs for credit unions lending to borrowers in Colorado. You agree to pay all costs of collecting theamount you owe under this Agreement, including court costs and reasonable attorney's fees paid to an individual who isnot an employee of the Credit Union. The attorney's fees you pay will not exceed 15.00% of the unpaid debt after default.Collection Costs for credit unions lending to borrowers in Idaho. You agree to pay all costs of collecting the amountyou owe under this Agreement, including court costs and, if the amount you borrowed was greater than $1,000.00,reasonable attorney's fees.Collection Costs for credit unions lending to borrowers in Kansas. You agree to pay all costs of collecting theamount you owe under this Agreement, including court costs and reasonable attorney's fees paid to an individual who isnot an employee of the Credit Union. The attorney's fees you pay will not exceed 15.00% of the unpaid debt after default.Collection Costs for credit unions lending to borrowers in Oklahoma. You promise to pay all costs of collecting theamount you owe under this Agreement. These costs include reasonable attorney's fees not in excess of 15.00% of theunpaid debt after default and referral to an attorney, not a salaried employee of the Credit Union, unless you borrowed$1,000.00 or less at an interest rate greater than 10.00% per year.Collection Costs for credit unions lending to borrowers in South Dakota. You promise to pay all costs of collectingthe amount you owe under this Agreement to the extent permitted by state law.Collection Costs for credit unions lending to borrowers in Wyoming. You promise to pay all costs of collecting theamount you owe under this Agreement. These costs will include reasonable attorney's fees unless you borrowed$1,000.00 or less at an interest rate greater the 10.00% per year.Periodic Rates.The Purchase APR is             % which is a daily periodic rate of               %.The Cash Advance APR is             % which is a daily periodic rate of               %.The Balance Transfer APR is             % which is a daily periodic rate of               %.The Penalty Rate APR is             % which is a daily periodic rate of               %.Variable Rate.The ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle quarterly to reflect anychange in the Index and will be determined by the Prime Rate on the 15th day of the prior month, rounded the nearest0.25%, of each year as published in The Wall Street Journal "Money Rates" table at which we add a margin. TheANNUAL PERCENTAGE RATE will never be less than 9.90% nor greater than 18.00%.  Any increase in the ANNUALPERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. Ifthe Index is no longer available, the Credit Union will choose a new index which is based upon comparable information.The member’s APR may be reviewed and changed, from time to time. Notice of any change will be given in accordancewith applicable law. The APR is based on multiple criteria the credit union, at its discretion, believes is relevant.Margin.Purchases will be charged at             % above the Index.Cash advances will be charged at             % above the Index.Balance transfers will be charged at             % above the Index.9.90% nor greater than 18.00%. Any increase in the ANNUAL