CONSUMERS CREDIT UNION VISA/GOLD MASTERCARD CREDIT CARD AGREEMENT

In this Agreement the words "you" and "your" mean each and all of those who
apply for the card or who sign the Loan Application and Agreement to Terms.
"Card"  means 
the  VISA/GOLD  MASTERCARD  Credit  Card  and  any
duplicates  and  renewals  we  issue.  Everyone  who  receives,  signs  or  uses  a
card  issued  under  this  Agreement  must  be  a  member  of  this  Credit  Union.
"Account" means your VISA/GOLD MASTERCARD Credit Card Line of Credit
account with us.  "We", "us" and "ours" means this Credit Union.

1. Responsibility. If we issue you a card, you agree to repay all debts and the
INTEREST CHARGES and fees arising from the use of the card and the card
account. For example, you are responsible for charges made by anyone else
to whom you give the card, and this responsibility continues until the card is
recovered. You cannot disclaim responsibility by notifying us, but we will close
the account for new transactions if you so request and return all cards. Your
obligation  to  pay  the  account  balance  continues  even  though  an  agreement,
divorce decree or other court judgment in which we are not a party may direct
you or one of the other persons responsible to pay the account. Any person
using the card is jointly responsible with you for charges he or she makes, but
if that person signs the card he or she becomes a party to this Agreement and
is also jointly responsible for all charges on the account, including yours.

2. If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You
agree  to  notify  us  immediately  if  your  card  is  ever  lost  or  stolen  or  if  an
unauthorized  use  may  have  occurred.  "Unauthorized  use"  means  the  use  of
the  Card  by  someone  other  than  you  who  does  not  have  actual,  implied  or
apparent authority for such use, and from which you receive no benefit. The
telephone number to call is (800) 991-2221, and you agree to follow up your
call  with  notice  in  writing  to  us  at:  Consumers  Credit  Union,  VISA/GOLD
MASTERCARD  Credit  Card  Services,  P.O.  Box  525,  7040  Stadium  Dr.,
Oshtemo, Ml 49077-0525. On weekends, holidays or after Credit Union hours,
call  1-800-449-7728.  You  also  agree  to  assist  us  in  determining  the  facts,
circumstances  and  other  pertinent  information  relating  to  any  loss,  theft  or
possible  unauthorized  use  of  your  credit  card  and  comply  with  such
procedures as we may require in connection with our investigation, including
assisting in the prosecution of any unauthorized user. For Visa Cards: You will
be liable for any unauthorized use only if we can prove  that you were grossly
negligent in your use or handling of your VISA Card, or if we can prove that
you  used  your  VISA  Card  fraudulently. For  MasterCard: You  will  have  zero
liability  for  unauthorized  MasterCard  transactions,  provided  that:  the  loss  of
the theft or unauthorized use is reported within 24 hours of discovery; you use
reasonable care in safeguarding the Card from risk of loss or theft; you have
not reported two or more incidents of unauthorized use to us in the preceding
12 month period; and the account is in good standing.

3. Using the Card. You may use the card issued to you to make purchases in
person,  and  by  mail  or  telephone  from  merchants  and  others  who  accept
VISA/GOLD  MASTERCARD  cards.  In  addition,  you  may  obtain  cash
advances from the Credit Union, from other financial institutions participating
in the VISA/GOLD MASTERCARD program and from ATMs (automated teller
machines)  such  as  the  VISA/GOLD  MASTERCARD  ATM  Network,  that
provide  access  to  the  VISA/GOLD  MASTERCARD  system.  Not  all  ATMs
provide such access. You will need to use your PERSONAL IDENTIFICATION
NUMBER (PIN) to obtain a cash advance from an ATM.

4.  Illegal  Use  and  Internet  Gambling.  You agree  that  all  transactions  that
you initiate by use of your VISA/GOLD MASTERCARD Card are legal in the
jurisdiction  where  you  live  and/or  where  the  transaction  occurred.    Internet
gambling may be illegal in the jurisdiction in which you are located, including
the United States. Your VISA/GOLD MASTERCARD Card may only be used
for legal transactions. Display of a payment card logo by an online merchant
does    not    mean    that    internet    gambling    transactions    are    lawful    in    all
jurisdictions  in  which  you  may  be  located.   You agree  to  repay  according  to
the  terms  of  this  Agreement  all  transactions  you  initiate  by  use  of  your
VISA/GOLD MASTERCARD, whether deemed legal or illegal.

5.  Credit  Line.  If  we  approve  your  application,  we  will  establish  a  self
replenishing Line of Credit for you and notify you of its amount when we issue
the  card.  You  agree  not  to  let  the  account  balance  exceed  this  approved
Credit Line. Each payment you make on the account will restore your Credit
(cid:9)

Line  by  the  amount  of  the  payment  which  is  applied  to  principal.  You may
request an increase in your Credit Line at any time by contacting us subject to
approval  by  our  loan  committee  or  loan  officer. By  giving  you  written  notice
our  loan  committee  or  loan  officer may  reduce  your  Credit  Line  from  time  to
time,  or  with  good  cause,  revoke  your  card  and  terminate  this  Agreement.
Good  cause  includes  your  failure  to  comply  with  this  Agreement,  or  our
adverse  reevaluation  of  your  creditworthiness.  Any  cardholder  may  also
terminate  this  Agreement  at  any  time,  but  termination  does  not  affect  your
obligation to pay the account balance. The cards remain our property and you
must  recover  and  surrender  to  us  all  cards  upon  our  request  and  upon
termination of this Agreement.

6.  Monthly  Payment.  We  will  mail  you  a  statement  every  month  showing
your  previous  balances  of  purchases  and  cash  advances,  the  current
transactions on your account, the remaining credit available under your credit
line,  the  new  balances  of  purchases  and  cash  advances,  the  total  new
balance, the INTEREST CHARGES and fees due to date, and the minimum
payment required.  Every month you must pay at least the minimum payment
by the due date indicated on your statement. If late, we will assess, and you
will  pay  a  late  payment  fee  of  up  to  $25.00.  You may, of  course,  pay  more
frequently, pay more than the minimum payment, or pay the total new balance
in  full,  and  you  will  reduce  the  INTEREST  CHARGE  by  doing  so.  The
minimum payment is disclosed on your Truth-in-Lending Statement. We may
accept checks marked "payment in full" or with words of similar effect without
losing any of our rights to collect the full balance of your account with us.

7.  Credit  Information.  You authorize  us  to  investigate  your  credit  standing
when opening, renewing or reviewing your account, and you authorize us to
disclose  information  regarding  your  account  to  credit  bureaus  and  other
creditors who inquire of us about your credit standing, to the extent authorized
in our By-Laws.

8.  Interest  Charges.  You can  avoid  an  INTEREST  CHARGE  on  purchases
by paying the full amount of the New Balance of Purchases each month within
25  days  of  your  statement  closing  date.  Otherwise,  the  New  Balance  of
Purchases, and subsequent purchases from the date they are posted to your
account,  will  be  subject  to  an  INTEREST  CHARGE.  Cash  advances  are
always  subject  to  an  INTEREST  CHARGE  from  the  date  they  are  posted  to
your  account.  An  INTEREST  CHARGE  (interest)  is  calculated  at  the
ANNUAL  PERCENTAGE  RATE disclosed 
on  your  Truth-in-Lending
Statement,  on  the  average  daily  principal  balance  of  purchases  and  cash
advances you make and debit adjustments the credit union makes during the
statement period. The daily principal balances are totaled, and divided by the
number  of  days  in  the  statement  period  to  produce  separate  average  daily
principal  balances  for  purchases  and  cash  advances  to  which  the  periodic
rate is then applied.

Gold  MasterCard:  A Monthly  Periodic  Rate  will  be  charged  and  the Annual
Percentage Rate that corresponds to the periodic rate can change if the Prime
Rate  changes.  The  minimum  and  maximum  Annual  Percentage  Rates
(APRs) that can apply are disclosed on your Truth-in-Lending Statement. The
Annual Percentage Rate (APR) you pay will be based on a periodic review
of your account and credit history. Your Annual Percentage Rate (APR) will
be adjusted accordingly.

Platinum  Visa  Rewards:  A  Monthly  Periodic  Rate  will  be  charged  and  the
Annual Percentage Rate that corresponds to the periodic rate can change if
the  Prime  Rate  changes.  The  minimum  and  maximum  Annual  Percentage
Rates  (APRs)  that  can  apply  are  disclosed  on  your  Truth-in-Lending
Statement. The Annual Percentage Rate (APR) you pay will be based on a
periodic  review  of  your  account  and  credit  history. Your Annual  Percentage
Rate (APR) will be adjusted accordingly.

9.  Balance  Transfer  Rates.  Balance  Transfers  are  processed  as  cash
advances and therefore from the date they are posted to your account will be
subject  to  an  INTEREST  CHARGE.  The  balance  Transfer interest  rates  are
disclosed  on  your  Truth-in-Lending  Statement.  Your  account's  Annual
Percentage  Rate  for  Balance Transfers will  be  terminated  if  your  account  is
62 days or greater past due.

CONSUMERS CREDIT UNION VISA/GOLD MASTERCARD CREDIT CARD AGREEMENT

18. Statements and Notices. Statements and notices will be mailed to you at
the most recent address you have given the Credit Union. Notice sent to any
one of you will be considered notice to all.

Contractual Pledge of Shares: I pledge all my shares and deposits in
the credit union, including future additions, as security for advances
under    this  Consumer  Lending  Plan.  THIS  PLEDGE  OF  SHARES
INCLUDES  ADVANCES TAKEN ON  MY  CREDIT  CARD  ACCOUNT(S).
In case  I default, you may apply these  shares and  deposits to  the
payment  of  all  sums  due  at  the  time  of  default,  including  costs  of
collection and reasonable attorney's fees. No lien or right to impress
a lien on shares and deposits shall apply to any of my shares which
may be held in an "Individual Retirement Account" or "Keogh Plan."

19. Final Expression. This Agreement is the final expression of the terms and
conditions of this VISA/GOLD MASTERCARD line of credit between you and
the Credit Union. This written Agreement may not be contradicted by evidence
of any alleged oral agreement.

20. Copy Received. You acknowledge that you have received a copy of this
Agreement.

21.  Record  Keeping.  You hereby  agree  that  the  credit  union  may  keep  the
portion  of  the  Agreement  which  bears  your  signature  so  that  Consumers
Credit  Union  can  comply  with  federal  and/or  state    law  relating  to    loan
documents the credit union is required to keep in its file.

22. Payment Application. Subject to applicable laws, your payments may be
applied  to  what  you  owe  the  credit  union  in  any  manner  the  credit  union
chooses.

23.  Penalty  APR.  Your  APR  for  purchases,  balance  transfers  and  cash
advances may vary and increase to a higher APR (including any introductory
rate or other rate specials if applicable) if you make a payment that is late 60
days  or  more  to  the  credit  union  when  due,  or  you  make  a  payment  that  is
dishonored for any reason. If your account is not current for more than any 2
billing cycles in a 6 month period your account will receive the Penalty APR.
The  Penalty  rate  for  Gold  MasterCard  and  Platinum  Visa  Rewards  is
disclosed  on  your  Truth-in-Lending  Statement.  Visa  secured  cards  are  not
subject  to  Penalty  rates.  Your  account  must  be  current  for  6  consecutive
billing cycles in order for the Penalty rate to be removed.

24.  Additional  Benefits.  The  Credit  Union  may  from  time  to  time  offer
additional  services  to    your  card  such  as  travel  and  accident  insurance,
rewards  and  auto  rental  insurance  to  your  account  at  no  cost  to  you.  You
understand  that  the  Credit  Union  is  not  obligated  to  offer  such  services  and
may withdraw or change these additional benefits at any time.

25. Important information for CURewards card holders. Points will accrue
over three calendar years and will expire on a first in first out basis annually;
points earned in calendar year one will expire on the last day of calendar year
three.  (For  example  points  earned  in  2011  will  expire  December  31,  2013;
points  earned  in  2012  will  expire  December  31,  2014  and  so  on.)  Your
account  must  be  open  and  in  good  standing  to  redeem  rewards.  Some
restrictions  and  limitations  may  apply.  Complete  details  on  the  CURewards
program will be sent to you once your account has been opened. The Credit
Union has the right to change the CURewards program at any time.

10. Default. You may be in default if you fail to make any Minimum Payment
on  or  before  the  due  date  on  your  periodic  statement.  You  will  also  be  in
default  if  your  ability  to  repay  the  credit  union  is  materially  reduced  by  a
change  in  your  employment,  an  increase  in  your  obligations,  bankruptcy  or
insolvency proceedings involving you, your death, or your failure to abide by
this Agreement, or if the value of the credit union's security interest materially
declines.  The  Credit  Union  has  the  right  to  demand  immediate  payment  of
your full account balance if you default, subject to the credit union giving you
any  notice  required  by  law. To the  extent  permitted  by  law, you  will  also  be
required  to  pay  the  Credit  Union's  collection  expenses,  including  court  costs
and reasonable attorney's fees.

11. Returns  and  Adjustments.  Merchants  and  others  who  honor  the  Card
may give credit for returns or adjustments, and they will do so by submitting a
credit  slip  which  will  post  to  your  account.    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 upon your written request.

12.  Foreign  Transactions.  Purchases  and  cash  advances  made  in  foreign
countries  and  foreign  currencies  will  be  billed  to  you  in  U.S.  dollars.  The
conversion  rate  to  dollars  will  be  (1)  a  rate  selected  by  VISA/GOLD
MASTERCARD  from  the  range  of  rates  available  in  wholesale  currency
markets for the applicable central processing date, which rate may vary from
the  rate  VISA/GOLD  MASTERCARD  itself  receives,  or  (2)  the  government
mandated  rate  in  effect  for  the  applicable  central  processing  date;  in  each
instance which amount shall be increased by a transaction fee imposed by the
Credit Union in the amount disclosed on your Truth-in-Lending Statement.

13.  Cross-border  Transaction  Pricing.  Cross-border  transaction  pricing
refers to any transaction on a MasterCard or Visa branded credit card in which
the  cardholder  country  code  differs  from  the  country  code  of  the  merchant.
U.S.  region  issuers  will  pay  MasterCard  or  Visa  an  "Issuer  Crossborder
Assessment" on all cross-border Transactions on U.S.-issued MasterCard or
Visa branded credit cards. This assessment will be calculated by  multiplying
the  Issuer  Settlement  Amount  for  each  Cross-border  Transaction  by  the
amount  disclosed  on  your  Truth-in-Lending  Statement.  In  addition  to  the
"Currency  Conversion
Issuer  Cross-border  Assessment, 
Assessment" in the amount disclosed on your Truth-in-Lending Statement.

is  a 

there 

14.  Plan  Merchant  Disputes.  We are  not  responsible  for  the  refusal  of  any
plan  merchant  or  financial  institution  to  honor  your  card.    We  are  subject  to
claims  and  defenses  other  than  tort  claims  arising  out  of  goods  or  services
you  purchase  with  the  card  only  if  you  have  made  a  good  faith  attempt,  but
have been unable to obtain satisfaction from the plan merchant, and: (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 and was made from
a  plan  merchant  in  your  state  or  within  100  miles  of  your  home.   Any  other
disputes you must resolve directly with the plan merchant.

15.  Security  Interest.    To  secure  your  account,  you  grant  us  a  purchase
money  security  interest  under  the  Uniform  Commercial  Code  in  any  goods
you  purchase  through  the  account.    If  you  default,  we  will  have  the  right  to
recover  any  of  those  goods  which  have  not  been  paid  for  through  our
application  of  your  payment  in  the  manner  described  in  section  (6)  Monthly
Payment.  With  respect  to  this  account  only, we  will  not  assert  any  statutory
right  we  may  have  if  you  are  in  default  to  prevent  withdrawal  of  your
unpledged  Credit  Union  shares  (deposits)  below  the  unpaid  balance  of  your
account.

16. Effect of Agreement. This Agreement is the contract which applies to all
transactions on your account even though the sales, cash advance, credit or
other  slips  you  sign  or  receive  may  contain  different  terms.  We  may  amend
this Agreement from time to time by sending you any advance written notice
required by law. 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.

17.  No  Waiver. The  Credit  Union  can  delay  enforcing  any  of  its  rights  any
number of times without losing them.

CONSUMERS CREDIT UNION IMPORTANT CREDIT CARD DISCLOSURES

The  following  disclosure  represents  important  details  concerning  your  credit  card. The  information  about  costs  of  the  card  is
accurate as of _________________. You can contact us toll free at (800) 991-2221 or Consumers Credit Union, P.O. Box 525,
7040 Stadium Dr., Oshtemo, MI 49077-0525 to inquire if any changes occurred since the effective date.

INTEREST RATES and INTEREST CHARGES:

Gold MasterCard

Platinum Visa Rewards

Secured Visa

Annual Percentage Rate
(APR) for Purchases

8.99% - 22.99%
depending on your credit history.

9.99% - 22.99%
depending on your credit history.

21.00%

APR for Cash Advances

8.99% - 22.99% depending on
your credit history.

9.99% - 22.99% depending
on your credit history.

21.00%.

APR for Balance Transfers

_______% Introductory APR
for _____ months. After that,
your Standard APR will be
8.99% - 22.99% depending
on your credit history.

_______% Introductory APR
for _____ months. After that,
your Standard APR will be
9.99% - 22.99% depending
on your credit history.

_______% Introductory APR
for _____ months. After that,
your Standard APR will be
21.00%.

Penalty APR and When
it Applies

22.99%
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.

Paying Interest

Your due date is at least 21 days after we mail your billing statement. We will not charge you interest
on purchases if you pay your entire new purchase balance by the due date each month. We will
begin charging interest on cash advances and balance transfers on the transaction date.

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, visit the
website of the Consumer Financial Protection Bureau at
http://www.consumerfinance.gov/learnmore

FEES:

Fees to Open or
Maintain your Account

• Annual Fee:

Transaction Fees
• Cash Advance:
• Foreign Transaction &
Cross-Border Assessment:

Gold MasterCard

Platinum Visa Rewards

Secured Visa

None

None

$25.00

2% of the amount of each cash advance with a minimum of $2.00 and a maximum of $25.00

2% of each transaction in U.S. dollars regardless of whether the transaction involves a currency
conversion and
0.008% of the Issuer Settlement Amount and
0.002% of the Issuer Settlement Amount if there is a currency conversion.

Penalty Fees

• Late Payment:
• Over-the-Credit Limit:
• Returned Payment:

Up to $25.00 if your payment is late.
None
Up to $25.00 if your payment is returned for any reason.

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."
Loss of Introductory Rate: We may end your Introductory Rate and apply the Penalty APR disclosed above if you make a late
payment.
9009 LASER VELOCITY FI16417 10-2012

COPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.