CREDIT CARD
                                                    ACCOUNT
                                                     OPENING
                                                  DISCLOSURE
                                                        Approved Credit Limit:
        This Disclosure is incorporated into and becomes part of Your LOANLINER� Consumer Credit Card Agreement &
          Disclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.
      Interest Rates and Interest Charges
      Annual Percentage Rate (APR) for
      Purchases
                                 This APR will vary with the market based on the Prime Rate.
      APR for Balance Transfers
                                 This APR will vary with the market based on the Prime Rate.
      APR for Cash Advances
                                 This APR will vary with the market based on the Prime Rate.
      Penalty APR and When it Applies
                                 This APR may be applied to Your Account if You:
                                 - Make a late payment.
                                 How Long Will the Penalty APR Apply? If Your APRs are increased for
                                 this reason, the Penalty APR will apply until You make six consecutive
                                 minimum payments when due.
      Paying Interest            Your due date is at least 25 days after the close of each billing cycle. We will
                                 not charge You any interest on purchases if You pay Your entire 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 To learn more about factors to consider when applying for or using a
      Consumer Financial Protection Bureau credit card, visit the website of the Consumer Financial Protection
                                 Bureau at http://www.consumerfinance.gov/learnmore.
      Fees
      Set-up and Maintenance Fees
      - Annual Fee               None
      - Account Set-up Fee       None
      - Program Fee              None
      - Additional Card Fee      None
      Transaction Fees
      - Balance Transfer Fee     None
      - Cash Advance Fee         None
      - Foreign Transaction Fee  1.00% of each transaction in U.S. dollars
      - Transaction Fee for Purchases None
      Penalty Fees
      - Late Payment Fee         Up to $20.00
      - Over-the-Credit Limit Fee None
      - Returned Payment Fee     Up to $20.00
     How We Will Calculate Your Balance:
     We use a method called "average daily balance (including new purchases)." See Your Account Agreement for more
     details.
                                      SEE NEXT PAGE for more important information about Your Account.
     � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved     04202655-MXC20-P-1-052418 (MXC201-E)
     Application of Penalty APR:
     Your APR may be increased to the disclosed Penalty APR if You are 60 days late in making a payment.
     Billing Rights:
     Information on Your rights to dispute transactions and how to exercise those rights is provided in Your Account
     Agreement.
     Military Lending Act Disclosures:
     Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions
     of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent
     may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or
     account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the
     credit transaction; any application fee charged (other than certain application fees for specified credit transactions or
     accounts); and any participation fee charged (other than certain participation fees for a credit card account).
     Please call us at 1 (800) 232-8178 to receive oral disclosures of the Military Lending Act disclosure above and a
     description of the payment obligation.
     Other Fees & Disclosures:
     Late Payment Fee:
     $20.00 or the amount of the required minimum payment, whichever is less, if You are 15 or more days late in making a
     payment. 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 this
     Disclosure.
     Returned Payment Fee:
     $20.00 or the amount of the required minimum payment, whichever is less. 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.
     Card Replacement Fee:
     $5.00. 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.
     Document Copy Fee:
     None.
     Pay-by-Phone Fee:
     $5.00. If Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee will be charged for
     each time You make a payment by telephone as disclosed on this Disclosure.
     PIN Replacement Fee:
     None.
     Rush Fee:
     $35.00 second day. $55.00 overnight. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee
     may be charged to Your Account for each rush Card that You request, providing that delivery of the Card is also available
     by standard mail service, without paying a fee for delivery.
     Statement Copy Fee:
     $2.00 . 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.
     Unreturned Card Fee:
     None.
     Collection Costs:
     You agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable
     attorney's fees.
                                      SEE NEXT PAGE for more important information about Your Account.
     � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved     04202655-MXC20-P-1-052418 (MXC201-E)
     Periodic Rates:
     The Purchase APR is  which is a daily periodic rate of .
     The Balance Transfer APR is  which is a daily periodic rate of .
     The Cash Advance APR is  which is a daily periodic rate of .
     The Penalty Rate APR is  which is a daily periodic rate of .
     Variable Rate:
     The ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change
     on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on
     2nd Tuesday of each calendar quarter; January, April July & October, to which We add a margin. The ANNUAL
     PERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in
     an increase in the amount of the interest You will pay, may increase Your minimum payment, and may increase the
     number of payments to pay off Your balance. If the Index is no longer available, the Credit Union will choose a new index
     which is based upon comparable information.
     Margin:
     Purchases will be charged at  above the Index.
     Balance Transfers will be charged at  above the Index.
     Cash Advances will be charged at  above the Index.
     � CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved     04202655-MXC20-P-1-052418 (MXC201-E)