VISA SIGNATURE/VISA REWARDS/VISA TRADITIONAL 
                                                  APPLICATION AND SOLICITATION DISCLOSURE
     Interest Rates and Interest Charges
     Annual Percentage Rate (APR) Visa Signature/Visa Rewards/Visa Traditional 
     for Purchases
                                1.99% Introductory APR until January 31, 2018. After that your
      
                                APR will be 7.75% to 17.90% , based on your creditworthiness.
 Penalty APR and When it Applies  Visa Signature 
 Penalty APR and When it Applies  Visa Signature 
 Penalty APR and When it Applies  APR for Balance Transfers F32      18.00% Visa Signature  Visa Signature/Visa Rewards/Visa Traditional 
 Penalty APR and When it Applies  Penalty APR and When it Applies  F32      18.00% Visa Signature  Visa Signature 
 Penalty APR and When it Applies  Penalty APR and When it Applies  Penalty APR and When it Applies  Penalty APR and When it Applies  F32      18.00% Visa Signature  Visa Signature  Visa Signature  Visa Signature 
                                1.99% Introductory APR until January 31, 2018
                                18.00% F32      F32      18.00%
                                Visa Rewards 
                                18.00% F32      18.00% 18.00%
                                Visa Rewards  F32      After that your APR will be 7.75% to 17.90%, based on your creditworthiness.  F32      18.00% F32     
                                            APPLICATION AND SOLICITATION DISCLOSURE 
                                18.00% F33      Visa Rewards 
                                F33      18.00% Visa Rewards  Visa Rewards 
     APR for Cash Advances      Visa Rewards  Visa Signature/Visa Rewards/Visa Traditional 
     Interest Rates and Interest Charges  Visa Rewards  18.00% F33      Visa Rewards  Visa Rewards 
                                F33      18.00% 18.00%
                                Visa  7.75% to 17.90% when you open your account, based on your creditworthiness.  F33     
     Annual Percentage Rate (APR) for  18.00% F33      F33      18.00% F33      18.00% 18.00%
                                Visa  F33     
                                    2.99% F1 Introductory APR until F2             January 31, 2016.
                                18.00% F34     Visa 
     Penalty APR and When it Applies Purchases 
                                F34     18.00% 18.00% Visa  Visa 
                                Visa  F34     Visa  18.00% Visa  Visa 
                                This APR may be applied to your account if you: 18.00% F34     F34     18.00% After that your APR will be F3 7.75% to F4           based on  17.90%
                                This APR may be applied to your account if you: F34     18.00% 18.00% F34     18.00% 18.00%
                                F34    
                                This APR may be applied to your account if you: - Make a late payment F34    
                                This APR may be applied to your account if you: - Make a late payment your creditworthiness. 
                                This APR may be applied to your account if you: - Go over your credit limit at any time This APR may be applied to your account if you:
                                    This APR may be applied to your account if you:
     APR for Balance Transfers  This APR may be applied to your account if you: - Make a late payment
                                 - Go over your credit limit at any time This APR may be applied to your account if you: 2.99% F5          Introductory APR until F6             January 31, 2016.
                                 - Make a late payment - Make a late payment
                                 - - - Make a payment that is returned
                                 - - Make a late payment Go over your credit limit at any time Make a late payment - - Make a payment that is returned Make a late payment Make a late payment
                                 - Go over your credit limit at any time
                                 - - Make a payment that is returned Go over your credit limit at any time After that your APR will be F7           to F8           based on your  - Go over your credit limit at any time 7.75% 17.90%
                                How Long Will the Penalty APR Apply? If your APRs are increased  - Go over your credit limit at any time - - Go over your credit limit at any time Go over your credit limit at any time
                                 - Make a payment that is returned - Make a payment that is returned
                                How Long Will the Penalty APR Apply? If your APRs are increased 
                                 - - Make a payment that is returned Make a payment that is returned creditworthiness. 
                                for these reasons, the Penalty APR will apply until you make six - - Make a payment that is returned Make a payment that is returned
                                How Long Will the Penalty APR Apply? If your APRs are increased 
     APR for Cash Advances      for these reasons, the Penalty APR will apply until you make six F9           to F10         when you open your account, based on your  7.75% 17.90%
                                How Long Will the Penalty APR Apply? If your APRs are increased  How Long Will the Penalty APR Apply? If your APRs are increased 
                                consecutive minimum payments when due and do not exceed your  for these reasons, the Penalty APR will apply until you make six How Long Will the Penalty APR Apply? If your APRs are increased  How Long Will the Penalty APR Apply? If your APRs are increased 
                                consecutive minimum payments when due and do not exceed your  How Long Will the Penalty APR Apply? If your APRs are increased  How Long Will the Penalty APR Apply? If your APRs are increased  creditworthiness.
                                credit limit during that time period. for these reasons, the Penalty APR will apply until you make six for these reasons, the Penalty APR will apply until you make six
                                for these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due and do not exceed your  for these reasons, the Penalty APR will apply until you make six
     Penalty APR and When it Applies  credit limit during that time period. for these reasons, the Penalty APR will apply until you make six for these reasons, the Penalty APR will apply until you make six F11          
                                consecutive minimum payments when due and do not exceed your  consecutive minimum payments when due and do not exceed your  18.00%
 How to Avoid Paying Interest on Purchases  Your due date is always the last day of the month. We do not charge  consecutive minimum payments when due and do not exceed your  consecutive minimum payments when due and do not exceed your  credit limit during that time period. consecutive minimum payments when due and do not exceed your  consecutive minimum payments when due and do not exceed your  How to Avoid Paying Interest on Purchases  How to Avoid Paying Interest  Your due date is always the last day of the month. We do not charge  credit limit during that time period. credit limit during that time period.
 How to Avoid Paying Interest on Purchases  you interest on purchases if you pay your entire balance within 30 days 
                                credit limit during that time period. Your due date is always the last day of the month. We do not charge  credit limit during that time period. This APR may be applied to your account if you:
     on Purchases                   credit limit during that time period. credit limit during that time period.
 How to Avoid Paying Interest on Purchases  How to Avoid Paying Interest on Purchases  you interest on purchases if you pay your entire balance within 30 days  Your due date is always the last day of the month. We do not charge  Your due date is always the last day of the month. We do not charge 
                                of your statement closing day, or the last day of the month, whichever 
 How to Avoid Paying Interest on Purchases  How to Avoid Paying Interest on Purchases  How to Avoid Paying Interest on Purchases  How to Avoid Paying Interest on Purchases  Your due date is always the last day of the month. We do not charge  you interest on purchases if you pay your entire balance within 30 days  Your due date is always the last day of the month. We do not charge  - Make a late payment
                                of your statement closing day, or the last day of the month, whichever  Your due date is always the last day of the month. We do not charge  Your due date is always the last day of the month. We do not charge 
                                you interest on purchases if you pay your entire balance within 30 days  you interest on purchases if you pay your entire balance within 30 days 
                                is sooner. you interest on purchases if you pay your entire balance within 30 days  of your statement closing day, or the last day of the month, whichever  you interest on purchases if you pay your entire balance within 30 days  - Go over your credit limit at any time
                                is sooner. you interest on purchases if you pay your entire balance within 30 days  you interest on purchases if you pay your entire balance within 30 days 
                                of your statement closing day, or the last day of the month, whichever  of your statement closing day, or the last day of the month, whichever 
 Minimum Interest Charge        F35     None is sooner. of your statement closing day, or the last day of the month, whichever  of your statement closing day, or the last day of the month, whichever  - Make a payment that is returned
 Minimum Interest Charge        of your statement closing day, or the last day of the month, whichever  of your statement closing day, or the last day of the month, whichever 
     Minimum Interest Charge   None F35     None is sooner. is sooner.
 For Credit Card Tips from the Consumer  Minimum Interest Charge  To learn more about factors to consider when applying for or  is sooner. F35     is sooner. None is sooner. is sooner.
 For Credit Card Tips from the Consumer  To learn more about factors to consider when applying for or  How Long Will the Penalty APR Apply? If your APRs are increased 
 Minimum Interest Charge  Minimum Interest Charge  None F35     None F35    
 Financial Protection Bureau  For Credit Card Tips from the Consumer  Minimum Interest Charge  For Credit Card Tips from the  Minimum Interest Charge  using a credit card, visit the website of the Consumer Financial  None None
 Financial Protection Bureau  Minimum Interest Charge  Minimum Interest Charge  F35     To learn more about factors to consider when applying for or  F35    
 For Credit Card Tips from the Consumer  For Credit Card Tips from the Consumer  using a credit card, visit the website of the Consumer Financial  None F35     None F35     for these reasons, the Penalty APR will apply until you make six (6)
                                To learn more about factors to consider when applying for or  To learn more about factors to consider when applying for or 
 For Credit Card Tips from the Consumer  Financial Protection Bureau  Protection Bureau at http://www.consumerfinance.gov/learnmore. 
 For Credit Card Tips from the Consumer  Consumer Financial Protection Bureau For Credit Card Tips from the Consumer  For Credit Card Tips from the Consumer  To learn more about factors to consider when applying for or  To learn more about factors to consider when applying for or  using a credit card, visit the website of the Consumer Financial  To learn more about factors to consider when applying for or  To learn more about factors to consider when applying for or 
                                Protection Bureau at http://www.consumerfinance.gov/learnmore.  consecutive minimum payments when due and do not exceed your 
 Financial Protection Bureau  Financial Protection Bureau  using a credit card, visit the website of the Consumer Financial  using a credit card, visit the website of the Consumer Financial 
 Fees  Financial Protection Bureau  Financial Protection Bureau  Financial Protection Bureau  Financial Protection Bureau  Protection Bureau at http://www.consumerfinance.gov/learnmore.  using a credit card, visit the website of the Consumer Financial  using a credit card, visit the website of the Consumer Financial  using a credit card, visit the website of the Consumer Financial  using a credit card, visit the website of the Consumer Financial 
                                    credit limit during that time period.
 Fees                           Protection Bureau at http://www.consumerfinance.gov/learnmore.  Protection Bureau at http://www.consumerfinance.gov/learnmore. 
 Set-up and Maintenance Fees    Protection Bureau at http://www.consumerfinance.gov/learnmore.  Protection Bureau at http://www.consumerfinance.gov/learnmore.  Protection Bureau at http://www.consumerfinance.gov/learnmore. 
 Fees                               Protection Bureau at http://www.consumerfinance.gov/learnmore. 
 Set-up and Maintenance Fees  Fees Paying Interest  We will begin charging interest on purchases on the transaction date. 
 Fees  Fees 
 - Set-up and Maintenance Fees  Fees  Fees  Annual Fee Fees  Fees  Minimum Interest Charge  F36     None None F12          
 - Set-up and Maintenance Fees  Annual Fee Set-up and Maintenance Fees  None F36    
 - - Set-up and Maintenance Fees  Account Set-up Fee Annual Fee Set-up and Maintenance Fees  For Credit Card Tips from the Consumer  F37     None F36     None To learn more about factors to consider when applying for or 
 - Set-up and Maintenance Fees  Account Set-up Fee Set-up and Maintenance Fees 
 - Annual Fee - Annual Fee      F37     None None F36     None F36    
 - - - Program Fee Account Set-up Fee Annual Fee - Financial Protection Bureau  Annual Fee F38     None F36     F37     None None None None
 - - Annual Fee - Annual Fee    F36     F36     None F36     using a credit card, visit the website of the Consumer Financial 
 - Program Fee Account Set-up Fee - Account Set-up Fee F38     None F37     None None F37    
 -
 - - - Participation Fee Program Fee Account Set-up Fee - Account Set-up Fee F39     None F37     F38     None None None None
  Account Set-up Fee - Account Set-up Fee F37     None F37     F37     Protection Bureau at http://www.consumerfinance.gov/learnmore. 
 - Participation Fee            F39     None F38     None None F38    
 - -
 - - Additional Card Fee Program Fee - Program Fee F40     None F38     None
 - - Participation Fee Program Fee Program Fee -
  Additional Card Fee - Program Fee
     Fees  Program Fee          F38     None None F39    
                                None F40     F38     None
                                    F38     None
 - Participation Fee - Participation Fee None F39     None F39    
 - - - Application Fee Additional Card Fee Participation Fee - Participation Fee None F41     None F40     F39     None None F39    
 - - Application Fee Participation Fee - Participation Fee None F39     None F39    
 - Additional Card Fee - Set-up and Maintenance Fees  Additional Card Fee None F41     None F40     F40     None
 Transaction Fees  - - - Application Fee Additional Card Fee - F40     None None F40    
 Transaction Fees  Additional Card Fee - Additional Card Fee Additional Card Fee None F41    
     -                          F40     None F40     None None
 - Application Fee - Application Fee Annual Fee F41     None None F41     F13          
 - Transaction Fees  - Balance Transfer Fee Application Fee - Application Fee F42     None F41     None None None F41     None
 - - Balance Transfer Fee Application Fee - - Application Fee Account Set-up Fee
 Transaction Fees  Transaction Fees  None F42     F41     F41     None F14          
 - Transaction Fees  - Cash Advance Fee Balance Transfer Fee F43     None
 - Transaction Fees  Cash Advance Fee Transaction Fees  Transaction Fees  None F42    
     - Program Fee              None F43     None F15          
 - Balance Transfer Fee - Balance Transfer Fee None
                                1.00% F42     F42     None
 - - - - Foreign Transaction Fee Balance Transfer Fee Cash Advance Fee F44     None F42    
  Balance Transfer Fee - - Balance Transfer Fee Balance Transfer Fee F42     None F43     None None F42     of each multiple currency transaction in U.S. dollars
 - - Foreign Transaction Fee - Participation Fee None F42     None F16          
  Cash Advance Fee - Cash Advance Fee 1.00% F44     None None of each multiple currency transaction in U.S. dollars
 - - Cash Advance Fee Foreign Transaction Fee - Cash Advance Fee 0.80% F45     F43     F43    
                                F43     None None F43     of each single currency transaction in U.S. dollars
 - Cash Advance Fee -           F44     1.00% of each multiple currency transaction in U.S. dollars
     - Cash Advance Fee Additional Card Fee F43     None None F43     None F17          
 - Foreign Transaction Fee - Foreign Transaction Fee 0.80% F45    
                                None 1.00%
                                F46     F44     F44     1.00% of each single currency transaction in U.S. dollars of each multiple currency transaction in U.S. dollars of each multiple currency transaction in U.S. dollars
 - - Transaction Fee for Purchases
 - Foreign Transaction Fee Foreign Transaction Fee - Foreign Transaction Fee 0.80% F44     F44     1.00% 1.00%
     - Foreign Transaction Fee  F45     1.00% F44    
 - Transaction Fee for Purchases - Application Fee None F46     F44     1.00% of each multiple currency transaction in U.S. dollars of each single currency transaction in U.S. dollars of each multiple currency transaction in U.S. dollars
                                    None F18           of each multiple currency transaction in U.S. dollars of each multiple currency transaction in U.S. dollars
                                F45     0.80% 0.80% F45     of each single currency transaction in U.S. dollars of each single currency transaction in U.S. dollars
 Penalty Fees  - Transaction Fee for Purchases F45     F46    
 Penalty Fees  Transaction Fees  None F45     0.80% 0.80% F45     0.80% 0.80%
                                    F45     of each single currency transaction in U.S. dollars of each single currency transaction in U.S. dollars of each single currency transaction in U.S. dollars of each single currency transaction in U.S. dollars
 - Transaction Fee for Purchases - Transaction Fee for Purchases None F46     None F46    
 -
 - - Penalty Fees  Late Payment Fee Transaction Fee for Purchases Transaction Fee for Purchases - - Transaction Fee for Purchases Transaction Fee for Purchases Up to F47    None F46     $35.00 None F46    
 - Late Payment Fee - Balance Transfer Fee None F46     F46     None None F19          
 Penalty Fees  Penalty Fees     Up to F47    $35.00
 - Penalty Fees  - Penalty Fees  Over-the-Credit Limit Fee Late Payment Fee Penalty Fees  F48     None
 -   Penalty Fees               Up to F47    $35.00
     - Cash Advance Fee             None F20          
 - Over-the-Credit Limit Fee Late Payment Fee - Late Payment Fee F48     None Up to F47    $35.00 Up to F47    $35.00
 -
 - - - Returned Payment Fee Late Payment Fee Late Payment Fee Over-the-Credit Limit Fee - Late Payment Fee Up to F49    F48     None Up to F47    $22.00 $35.00 Up to F47    $35.00
 - Returned Payment Fee - - Late Payment Fee Foreign Transaction Fee Up to F49    Up to F47    $22.00 $35.00 Up to F47    F21        of each multiple currency transaction in U.S. dollars 1.00% $35.00
 - Over-the-Credit Limit Fee - Over-the-Credit Limit Fee F48     None F48     None
 - - - Over-the-Credit Limit Fee Returned Payment Fee Over-the-Credit Limit Fee - Over-the-Credit Limit Fee F48     None
                                F48     None Up to F49    None $22.00 F48     F48    
     - Over-the-Credit Limit Fee    None 0.80% F22        of each single currency transaction in U.S. dollars
 - Returned Payment Fee - Returned Payment Fee Up to F49    $22.00 Up to F49    $22.00
 How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� 
 - - Returned Payment Fee Returned Payment Fee - - Returned Payment Fee Up to F49    $22.00 $22.00 Up to F49    $22.00
 How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).�  - Returned Payment Fee Transaction Fee for Purchases Up to F49    Up to F49    F23           None $22.00
 How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� 
 Promotional Period for Introductory APR: The Introductory APR for purchases will apply to transactions posted to your  Penalty Fees 
 How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).�  How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� 
 Promotional Period for Introductory APR: The Introductory APR for purchases will apply to transactions posted to your  How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� 
 account from F50                     until F51                      . How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).�  How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).� 
 Promotional Period for Introductory APR: The Introductory APR for purchases will apply to transactions posted to your  How We Will Calculate Your Balance. We use a method called �average daily balance (including new purchases).�  How We Will Calculate Your Balance: We use a method called �average daily balance (including new purchases).�  - Late Payment Fee February 1, 2016 January 31, 2017 Up to F24           $35.00 The Introductory APR for balance transfers will apply to 
 account from F50                     until F51                      . Promotional Period for Introductory APR: The Introductory APR for purchases will apply to transactions posted to your    Promotional Period for Introductory APR: The Introductory APR for purchases will apply to transactions posted to your  February 1, 2016 January 31, 2017 The Introductory APR for balance transfers will apply to 
 transactions posted to your account from F52   until F53 Promotional Period for Introductory APR: The Introductory APR for purchases will apply to transactions posted to your  account from F50                     until F51                      . Promotional Period for Introductory APR: The Introductory APR for purchases will apply to transactions posted to your  - Over-the-Credit Limit Fee February 1, 2016 January 31, 2017 February 1, 2016 None F25           March 1, 2017 The Introductory APR for balance transfers will apply to  .
 transactions posted to your account from F52   until F53 Promotional Period for Introductory APR: The Introductory APR for purchases will apply to transactions posted to your  Promotional Period for Introductory APR: The Introductory APR for purchases will apply to transactions posted to your 
 account from F50                     until F51                      . Eligibility. New or existing cardholders are eligible to receive the Introductory Rate on balance transfers, however only new  account from F50                     until F51                      . - Returned Payment Fee February 1, 2016 February 1, 2016 January 31, 2017 February 1, 2016 January 31, 2017 March 1, 2017
                                    Up to F26           $22.00 The Introductory APR for balance transfers will apply to  The Introductory APR for balance transfers will apply to  .
 transactions posted to your account from F52   until F53 account from F50                     until F51                      . account from F50                     until F51                      . February 1, 2016 February 1, 2016 January 31, 2017 February 1, 2016 January 31, 2017 March 1, 2017 The Introductory APR for balance transfers will apply to  The Introductory APR for balance transfers will apply to  .
 Loss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the  account from F50                     until F51                      . account from F50                     until F51                      . February 1, 2016 February 1, 2016 January 31, 2017 January 31, 2017 The Introductory APR for balance transfers will apply to  The Introductory APR for balance transfers will apply to 
 transactions posted to your account from F52   until F53 cardholders are eligible to receive the Introductory Rate on purchases. transactions posted to your account from F52   until F53 February 1, 2016 February 1, 2016 March 1, 2017 March 1, 2017 . .
 Loss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the  transactions posted to your account from F52   until F53
 Penalty APR if you are 60 days late in making a payment, exceed your credit limit at any time or make a payment that is  transactions posted to your account from F52   until F53   transactions posted to your account from F52   until F53 transactions posted to your account from F52   until F53 February 1, 2016 February 1, 2016 February 1, 2016 February 1, 2016 March 1, 2017 March 1, 2017 March 1, 2017 March 1, 2017 . . . .
 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, exceed your credit limit at any time or make a payment that is  How We Will Calculate Your Balance. We use a method called �average daily balance (including new purchases).� 
 Loss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the  Loss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the 
 returned. With the loss of your Introductory APR, your APR will be F54     Loss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the  Promotional Period for Introductory APR. The Introductory APR for purchases will apply to transactions posted to your 
 Penalty APR if you are 60 days late in making a payment, exceed your credit limit at any time or make a payment that is  18.00% .  
 returned. With the loss of your Introductory APR, your APR will be F54     Loss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the  Loss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the  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, exceed your credit limit at any time or make a payment that is  Penalty APR if you are 60 days late in making a payment, exceed your credit limit at any time or make a payment that is  18.00% .  
 Penalty APR if you are 60 days late in making a payment, exceed your credit limit at any time or make a payment that is  Penalty APR if you are 60 days late in making a payment, exceed your credit limit at any time or make a payment that is  returned. With the loss of your Introductory APR, your APR will be F54     account from February 1, 2017, until January 31, 2018. The Introductory APR for balance transfers will apply to transactions  Promotional Period for Introductory APR. The Introductory APR for purchases will apply to transactions posted to your 
 Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making  Penalty APR if you are 60 days late in making a payment, exceed your credit limit at any time or make a payment that is  Penalty APR if you are 60 days late in making a payment, exceed your credit limit at any time or make a payment that is  18.00% .  
 returned. With the loss of your Introductory APR, your APR will be F54     returned. With the loss of your Introductory APR, your APR will be F54     18.00% 18.00% .   .  
 Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making  returned. With the loss of your Introductory APR, your APR will be F54     returned. With the loss of your Introductory APR, your APR will be F54     posted to your account from February 1, 2017, until March 31, 2017. Any existing balances on Black Hills Federal Credit  returned. With the loss of your Introductory APR, your APR will be F54     account from F27                 February 2, 2015  until F28                           The Introductory APR for balance transfers will apply to  January 31, 2016.
     returned. With the loss of your Introductory APR, your APR will be F54     18.00% 18.00% 18.00% 18.00% .   .   .   .  
 a payment, go over your credit limit at any time, or make a payment that is returned.  Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
 a payment, go over your credit limit at any time, or make a payment that is returned.  Union loan and/or credit card accounts are not eligible for the introductory APR. transactions posted to your account from F29                             until F30             February 2, 2015, March 30, 2015.
 Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making  Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
 Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making  Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making  a payment, go over your credit limit at any time, or make a payment that is returned.  Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
 Effective Date:   Application of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making 
 a payment, go over your credit limit at any time, or make a payment that is returned.  a payment, go over your credit limit at any time, or make a payment that is returned. 
 Effective Date:   a payment, go over your credit limit at any time, or make a payment that is returned.  a payment, go over your credit limit at any time, or make a payment that is returned.  a payment, go over your credit limit at any time, or make a payment that is returned.  a payment, go over your credit limit at any time, or make a payment that is returned.  Loss of Introductory APR. We may end your Introductory APR for purchases and balance transfers and apply the 
 The information about the costs of the card described in this application is accurate as of F55                          .   Effective Date:   May 1, 2016
 The information about the costs of the card described in this application is accurate as of F55                          .   Penalty APR if you are 60 days late in making a payment, exceed your credit limit at any time or make a payment that is 
 Effective Date:   Effective Date:                      May 1, 2016
 This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
 Effective Date:   Effective Date:   The information about the costs of the card described in this application is accurate as of F55                          .   Effective Date:  
 This information may have changed after that date. To find out what may have changed, contact the Credit Union.  Effective Date:   May 1, 2016
     returned. With the loss of your Introductory APR, your APR will be 18.00%. 
 The information about the costs of the card described in this application is accurate as of F55                          .   The information about the costs of the card described in this application is accurate as of F55                          .   May 1, 2016 May 1, 2016
 The information about the costs of the card described in this application is accurate as of F55                          .   The information about the costs of the card described in this application is accurate as of F55                          .   This information may have changed after that date. To find out what may have changed, contact the Credit Union.  The information about the costs of the card described in this application is accurate as of F55                          .   The information about the costs of the card described in this application is accurate as of F55                          .   May 1, 2016 May 1, 2016 May 1, 2016
     �CUNA Mutual Group 2009, 10, 12 All Rights Reserved    May 1, 2016 DSDDM5 (MXC402 CCM002)-e 
 This information may have changed after that date. To find out what may have changed, contact the Credit Union.  This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
 This information may have changed after that date. To find out what may have changed, contact the Credit Union.  This information may have changed after that date. To find out what may have changed, contact the Credit Union.  This information may have changed after that date. To find out what may have changed, contact the Credit Union.  This information may have changed after that date. To find out what may have changed, contact the Credit Union.  Application of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making  04000145-MXC40-C-3-030416 (MXC403 CCM003)-e
                                   SEE BACK OF PAGE for more important information about your account.  04000145-MXC40-C-3-030416 (MXC403 CCM003)-e
     a payment, go over your credit limit at any time or make a payment that is returned. 
                                                        04000145-MXC40-C-3-030416 (MXC403 CCM003)-e
                                                        04000145-MXC40-C-3-030416 (MXC403 CCM003)-e 04000145-MXC40-C-3-030416 (MXC403 CCM003)-e
     Effective Date.                                    04000145-MXC40-C-3-030416 (MXC403 CCM003)-e 04000145-MXC40-C-3-030416 (MXC403 CCM003)-e 04000145-MXC40-C-3-030416 (MXC403 CCM003)-e 04000145-MXC40-C-3-030416 (MXC403 CCM003)-e
     The information about the costs of the card described in this application is accurate as of F31             February 1, 2017. February 2, 2015.
     This information may have changed after that date. To find out what may have changed, contact the Credit Union. 
     OTHER DISCLOSURES 
     Late Payment Fee               F32         or the amount of the required minimum payment, whichever  $20.00
                                    is less, if you are ten (10) or more days late in making a payment. In 
                                    the event you fail to make a payment on time in any of the six (6) billing 
                                    cycles following the initial violation, you will be charged F33         or the  $35.00
                                    amount of the required minimum payment, whichever is less. 
     Returned Payment Fee           F34         or the amount of the required minimum payment, whichever  $22.00
                                    is less. 
     Statement Copy Fee             F35           $1.00
     Document Copy Fee              $1.00 F36          
     Emergency Card Replacement Fee  Emergency Card Replacement Fee  $60.00 F37           Up to $165.00
     Emergency Cash Disbursement Fee  Card Replacement Fee  $5.00 F38           Up to $165.00
     Card Replacement Fee   Copy of Sales Draft Fee  Varies by Merchant  $5.00
     Copy of Sales Draft Fee  Account Research Fee  $5.00 F39         per 15 minutes, minimum of 15 minutes  Varies by Merchant
     Account Research Fee           $5.00 per 15 minutes, minimum of 15 minutes
                                                                    DSDDM5 (MXC402 CCM002)-e 
                                        VISA SIGNATURE/VISA REWARDS/VISA TRADITIONAL VISA SIGNATURE/VISA REWARDS/VISA VISA SIGNATURE/VISA REWARDS/VISA
                                                  CONSUMER CREDIT CARD AGREEMENT CONSUMER CREDIT CARD AGREEMENT CONSUMER CREDIT CARD AGREEMENT
     In this Agreement, �Agreement� means this Consumer Credit Card Agreement. �Disclosure� means the Credit Card  In this Agreement, �Agreement� means this Consumer Credit Card Agreement. �Disclosure� means the Credit Card 
     Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement  Account Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement 
     and is part of the Agreement. In this Agreement the words "you," �your,� and "yours" mean each and all of those who  and is part of the Agreement. In this Agreement the words "you," �your,� and "yours" mean each and all of those who 
      agree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the  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-credit account with the Credit Union; and "Credit  Credit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit 
      Union" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers  Union" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers 
      this Agreement.  this Agreement. 
      1.  1.  USING YOUR ACCOUNT � If you are approved for an account, the Credit Union will establish a line of credit for you.  USING YOUR ACCOUNT � If you are approved for an account, the Credit Union will establish a line of credit for you. 
      You agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other  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, the Credit Union will  charges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will 
      not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that  not allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that 
      exceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or  exceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or 
      electronically (notwithstanding the requirements of the paragraph entitled �Statements and Notices�) explaining your right  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 credit limit. In the event you opt in  to opt in to the Credit Union�s program whereby it will honor advance requests over the credit limit. In the event you opt in 
      to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a  to such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a 
      method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an  method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an 
      advance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain  advance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain 
      cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your  cash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your 
      account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience  account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience 
      check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check  check, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check 
      drawn on your account for any reason and such refusal shall not constitute wrongful dishonor.  drawn on your account for any reason and such 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 any fee  You may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee 
      imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request  imposed to stop a payment on a convenience check issued on your account. You may make a stop payment request 
     orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the  orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the 
     check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately  check for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately 
     describe the check including the exact account number, the payee, any check number that may be applicable, and the  describe the check including the exact account number, the payee, any check number that may be applicable, and the 
     exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after  exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 
     14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six  14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six 
      months and may be renewed for additional six month periods by requesting in writing that the stop payment order be  months and may be renewed for additional six month periods by requesting in writing that the stop payment order be 
      renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a  renewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a 
     check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the  check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the 
     payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any  payee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any 
     legal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney's fees,  legal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney's fees, 
     damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result  damages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result 
     of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.   of incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.  
     2.  2.  USING YOUR CARD � You understand that the use of your credit card or credit card account will constitute  USING YOUR CARD � You understand that the use of your credit card or credit card account will constitute 
     acknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening  acknowledgement of receipt 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.  Disclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card. 
     The credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to The credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to
     pay for goods or services over the Internet, you may be required to provide card number security information before you  pay for goods or services over the Internet, you may be required to provide card number security information before you 
     will be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other  will be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other 
     financial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your  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 a personal identification number  card.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number 
     (PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that  (PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that 
     you will not use your card for any transaction that is illegal un you will not use your card for any transaction that is illegal un der applicable federal, state, or local law. Even if you use  der applicable federal, state, or local law. Even if you use 
     your card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the  your card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the 
     transaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase  transaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase 
     instruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your  instruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your 
     account as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and  account as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and 
     casino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction  casino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction 
     that is illegal.  that is illegal. 
     3.  PROMISE TO PAY � You promise to pay all charges (purchases, cash advances, balance transfers, use of  3.  PROMISE TO PAY � You promise to pay all charges (purchases, cash advances, balance transfers, use of 
     convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You  convenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You 
     �CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved  �CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved  04000145-MXC50-P-1-111615 (MXC503 CCM004)-e 04000145-MXC50-P-1-111615 (MXC503 CCM004)-e
      also promise to pay all finance charges and other charges added to your account under the terms of this Agreement or 
      another agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also 
      applies to your account. 
      4.  PERIODIC RATES � The periodic rates applicable to purchases, cash advances, and balance transfers are 
      disclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a 
      payment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to 
      applicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on 
      purchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure 
      accompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory 
      discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an
      Introductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure 
      accompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to 
      the rates that would ordinarily apply for 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 finance charge 
      for that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new 
     balance on the previous cycle's billing statement within 30 days of your statement closing date, or the last day of the 
     month, whichever is sooner; otherwise a finance charge will accrue from the date a purchase is posted to your account. 
     To avoid an additional finance charge on the balance of purchases, you must pay the entire new balance on the billing 
     statement within 30 days of your statement closing date, or the last day of the month, whichever is sooner. A finance 
     charge begins to accrue on cash advances from the date you get the cash advance or from the first day in which the cash 
     advance is posted to your account, whichever is later . 
     The finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is 
     computed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance 
     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. We then add all of the daily balances 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.  
     For cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash 
     advances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash 
     advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash 
     advance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash 
     advances 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 cash advances. Balance transfers are calculated in the same manner as cash advances. 
     6.  FOREIGN TRANSACTIONS � Purchases and cash advances made in foreign currencies will be debited from your 
     account in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing 
     international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the 
     applicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated 
     rate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from 
     the rate that would have been used on the purchase date or cardholder statement 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 your account. A foreign 
     transactio n is any transaction that you complete or a merchant completes on your card outside of 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. If applicable to 
      your account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your 
      account may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement. 
      a.  Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account. The fee may be 
      charged each year until your account is closed and/or paid in full. 
      b.  Account Set-Up Fee. If your account is subject to an Account Set-up Fee, a fee will be charged when you apply for a 
      credit card account. 
      c.  Program Fee. If your account is subject to a Program Fee, a fee will be charged when you open an account as 
      described on the Disclosure accompanying this Agreement. 
      d.  Participation Fee. If your account is subject to a Participation Fee, a fee will be charged when you open an account 
      as described on the Disclosure accompanying this Agreement. 
                                                            04000145-MXC50-P-1-111615 (MXC503 CCM004)-e
      e.  Additional Card Fee. If your account is subject to an Additional Card Fee, a fee will be charged for each additional 
      card issued to you at account opening. 
      f.  Application Fee. If your account is subject to an Application Fee, a fee will be charged when you apply for a credit 
      card account. 
      g.  Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the 
      fee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer a 
      balance from an account of another creditor to the account subject to this Agreement. 
      h.  Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee 
      will be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial 
      institution.
      i.  Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance 
      charge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.  
      j.  Transaction Fee for Purchases (Finance Charge). If your account is subject to a Transaction Fee for Purchases 
      (finance charge), a fee will be charged to your account for purchases as disclosed on the Disclosure accompanying this 
      Agreement. 
      k.  Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when 
      you do not make the required minimum payment by or within the number of days of the statement Payment Due Date set 
      forth on the Disclosure accompanying this Agreement. 
      l.  Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may 
      charge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing 
      cycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent 
      cycle or you have reduced the balance below the credit limit as of the end of each bill cycle. 
      m. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your 
      account when a payment is returned for any reason. 
      n.  Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and 
      when the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your 
      account for each copy of a sales draft or statement that you request. 
      o.  Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee 
      may be charged to your account for each copy of a sales draft or statement that you request (except when the request is 
      made in connection with a billing error made by the Credit Union). 
      p.  Emergency Card Replacement Fee. If your account is subject to an Emergency Card Replacement Fee, a fee will 
      be charged to your account for each emergency replacement card that is issued to you. 
      q.  Emergency Cash Disbursement Fee. If your account is subject to an Emergency Cash Disbursement Fee, a fee will 
      be charged to your account for each emergency cash disbursement that is issued to you. 
      r.  Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each 
      replacement card that is issued to you for any reason. 
      s.  Account Research Fee. If your account is subject to the Account Research Fee, a fee will be charged to your 
      account as disclosed on the Disclosure accompanying this Agreement. 
      t. Copy of Sales Draft Fee. If your account is subject to the Copy of Sales Draft Fee, a fee will be charged to your 
      account as disclosed on the Disclosure accompanying this agreement. 
      8.  PAYMENTS � Each month you must pay at least the minimum payment shown on your statement by the date 
      specified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new 
      balance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each 
      month your account has a balance (other than a credit balance). The minimum payment is 3.50% of your total new 
      balance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all 
      outstanding unpaid fees and charges, and any amount you are ove r your credit limit by the date specified on the 
      statement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your 
      credit limit. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in 
      your available credit limit on the date they are received.  The Credit Union may delay replenishing your credit limit until the
      date the payment is posted or the Credit Union confirms the payment has cleared.  
      9.  PAYMENT ALLOCATION � Subject to applicable law, your payments may be applied to what you owe the Credit 
      Union in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of 
      the required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the 
      highest annual percentage rate and any remaining portion to the other balances in descending order based on applicable 
      annual percentage rate.  
                                                            04000145-MXC50-P-1-111615 (MXC503 CCM004)-e
      10. SECURITY INTEREST � You grant the Credit Union a security interest under the Uniform Commercial Code and 
      under any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a 
      specific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may 
      not withdraw amounts that have been specifically pledged to secure your account until the Credit Union 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 Credit Union, 
      except for shares in an Individual Retirement Account or in any other account that would lose special tax 
      treatment under state or federal law if given as security. These other shares may be withdrawn unless you are 
      in default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint 
      share accounts to pay any amounts due on your Account if you should default. 
     Collateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never 
     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 the date 
     that it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you 
     die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. 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 ability to repay what you owe. 
     When you are in default, the Credit Union has the right to demand immediate payment of your full account balance 
     without giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the 
     periodic rate charged before default, until what you owe has been paid, and any shares that were given as security for 
     your account may be applied towards what you owe. 
     12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION � You agree to notify us 
     immediately, orally or in writing, at PO Box 1420, Rapid City, SD 57709-1420 or telephone (605) 718-1818 Monday 
     through Friday 8:00 a.m. to 5:00 p.m. Mountain Time, (800) 482-2428 Monday through Friday 8:00 a.m. to 5:00 p.m. 
     Mountain Time or (800) 991-4965 seven days a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit 
     card. You may be liable for the unauthorized use of your credit card. You will not be liable for unauthorized use that 
     occurs after you notify us of the loss, theft, or possible unauthorized use. You will have no liability for unauthorized 
     transactions made with your credit 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 � As permitted by law, the Credit Union may change the terms 
     of this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with 
     applicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account 
     balance 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 Union will 
     not affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement. 
     Your obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject 
     to all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions 
     made to your account after termination, unless the transactions were unauthorized. 
     The card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit 
     Union all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint 
     account, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.  
     14. CHANGING OR TERMINATING AUTHORIZED USERS � Upon your request, we may issue additional cards for 
     authorized users that you designate. You must notify us in writing of any termination of an authorized user's right to 
     access your account. Your letter must include the name of the authorized user and your account number and/or any 
     subaccount number issued to the authorized user along with the authorized user's card and any convenience or other 
     access checks issued to the authorized user. If you cannot return the authorized user's card or access checks and if you 
     request your account to be closed, we will close your account and you may apply for a new account. 
     15. CREDIT REVIEW AND RELEASE OF INFORMATION � You authorize the Credit Union to investigate your credit 
     standing when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your 
     account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency 
     cash and/or emergency card replacement services, and you request such services, you agree that we may provide 
     personal information about you and your account that is necessary to provide you with the requested service(s). 
     16. RETURNS AND ADJUSTMENTS � Merchants and others who honor your card may give credit for returns or 
     adjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your 
     credits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and 
     cash advances. If the credit balance amount is $1.00 or more, it will  be refunded upon your written request or 
     automatically after six months. 
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      17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS � The Credit Union may from time to time offer additional 
      services to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit 
      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 financial institution 
      to honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or 
      services you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction 
      from the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union 
      sent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within 
      100 miles of your home. 
      19. JOINT ACCOUNTS � If this is a joint account, each of you will be individually and jointly responsible for paying all 
      amounts owed under this Agreement. This means that the Credit Union can require any one 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 termination will be effective as to all of you. 
      20. EFFECT OF AGREEMENT � This Agreement is the contract which applies to all transactions on your account even 
      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 or delivered to you at the appropriate 
      address you have given the Credit Union. Notice sent to any one of you will be considered notice to all.  
      23. SEVERABILITY AND FINAL EXPRESSION � This Agreement and the Disclosure are the final expression of the 
     terms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any 
     alleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all 
     other parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest 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 of 
     electronic gambling transaction through the Internet. 
     26. PENALTY RATE DISCLOSURES � If applicable to your account, all rates for your account, including the rates for 
     purchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the 
     conditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are 
     subject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty 
     Rate. 
     27. VOLUNTARY PAYMENT PROTECTION � We may offer Voluntary Payment Protection to you. Voluntary Payment 
     Protection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to 
     add the fees or insurance charges monthly to your loan balance and charge you interest on the entire balance. At our 
     option we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine 
     the fees or insurance charges may change in the future. If the rate changes, we will provide any notices required by 
     applicable law.  
     28. NOTICE TO UTAH BORROWERS � This written agreement is a final expression of the agreement between you 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 SIGNATURE ON 
     THIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER 
     DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU. 
                         Your Billing Rights: Keep this Document for Future Use 
              This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. 
     What To Do If You Find A Mistake On Your Statement 
     If you think there is an error on your 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 why you 
        believe it is a mistake. 
     You must contact us: 
       -  Within 60 days after the error appeared on your statement. 
       -  At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you 
        think is wrong. 
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      You must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to 
      investigate any potential errors and you may have to pay the amount in question. 
      What Will Happen After We Receive Your Letter 
      When we receive your letter, we must do two things: 
        1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have 
        already corrected the error. 
        2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is 
        correct.  
      While we investigate whether or not there has been an error: 
        -  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 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.  
      After we finish our investigation, one of two things will happen: 
       -  If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that 
        amount. 
       -  If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable 
        interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then 
        report you as delinquent if you do not pay the amount we think you owe.  
      If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still 
      refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. 
      We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know 
      when the matter has been settled between us. 
      If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is
      correct. 
      Your Rights if You Are Dissatisfied With Your Credit Card Purchases 
      If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in 
      good faith to correct the 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: 
        1. 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. (Note: Neither of these are necessary if your purchase was based on 
        an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 
        2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a 
        check that accesses your credit card account do not qualify. 
        3. 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 or electronically at 
      the address listed on your statement. 
      While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, 
      we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as 
      delinquent. 
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