10.99% INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate(APR)

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1 INTEREST RATE AND INTEREST CHARGES Annual Percentage Rate(APR) 10.99% for Purchases This APR will vary with the market based on the Prime Rate*. APR for Balance Transfers 10.99% This APR will vary with the market based on the Prime Rate*. APR for Cash Advances 10.99% This APR will vary with the market based on the Prime Rate*. Penalty APR and When It Applies How to Avoid Paying Interest on Purchases 21.00% This APR may be applied to your account if you: 1) Make three late payments in a row; 2) Go over your credit limit twice in a six month period; 3) Make a payment that is returned, or; 4) Do any of the above on another account you have with us. How Long Will the Penalty APR Apply? The Penalty APR will become effective with your next billing period. The Penalty APR will apply until the account is paid current and you make six consecutive minimum payments when due. Your due date is at least 25 days after the close of each billing period. We will not charge you 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. Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50. For Credit Card Tips from the Consumer Financial Protection Bureau Annual Fees ne Transaction Fees Balance Transfer $25 Cash Advance ne Foreign Fees ne Penalty Fees Late Payment Up to $25 Returned Payment $25 Other Fees Lost Card Replacement $25 Priority Card Issuing $25 Rush Card Fee $65 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 FEES How We Will Calculate Your Balance: We use a method called average daily balance (including new purchases). See your Credit Card Agreement for more details. Billing Rights: Information on your rights to dispute transactions, and how to exercise those rights are provided in your Credit Card Agreement. *Prime Rate: The Index shall be the Prime Rate published in the "Money Rates" section of "The Wall Street Journal and is used to determine your ANNUAL PERCENTAGE RATE (APR). Variable APRs are based on an Index of 5.00% as of June 14, This information may have changed after that date. Changes to the Index and ANNUAL PERCENTAGE RATE will become effective during the next billing cycle. Billing cycles do not always coincide with month and/or quarter end. To find out what may have changed, call us at BANK. Purchase APR: For Purchase transactions, we add a Margin of 5.99% to the Index of 5.00%. The Purchase APR may increase or decrease each quarter if the Prime Rate changes, but will not exceed the maximum rate of 21.00%. The current ANNUAL PERCENTAGE RATE is 10.99%, which corresponds to a periodic rate of % for years with 365 days. In years with 366 days the Bank uses 366 as the base. Balance Transfer APR: For Balance Transfer transactions, see the Purchase APR above. Cash APR: For Cash transactions see the Purchase APR above. Military Lending APR: 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 36.00%. 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). The protections will no longer apply to this account if you cease to be an active duty servicemember, or the dependent of an active duty servicemember. Please call toll-free, , option 6, option 0. to receive this disclosure orally during regular business hours. MWABank Credit Card Agreement Page 1 of 5 S

2 This is your Credit Card Agreement with Modern Woodmen Bank for our VISA Platinum credit plan. Modern Woodmen Bank is a marketing name for MWABank. Unless specified separately, the terms of this agreement apply to all credit plans offered by Modern Woodmen Bank. It covers the use of your credit card account with us. Please read this agreement and keep it for your records. GENERAL TERMS AND CONDITIONS Definitions: The terms we, us, our and Issuer refer only to Modern Woodmen Bank and do not refer to any other entity. The terms you, your and yours refer to individual consumers or customers who obtain a credit card account from Modern Woodmen Bank and any other persons that you authorize to use the account. Account means your credit card account with us. Card means any credit cards issued to you. Credit plan means any payment program options offered by Modern Woodmen Bank. Closing date is the last day of the billing cycle. Cardholder is the person whose name is embossed on the face of the credit card and focuses on Consumers and Small Businesses. Channels: Channels for transactions cover: Face to Face, ATM, ecommerce, and Unattended. An example of Unattended is where the cardholder and card are present, however, no individual representing the merchant or acquirer. Promotion Credit Plans: From time to time, we may offer promotional credit plans. The terms of this agreement will govern any promotional credit plans. Any terms that differ from this Agreement will be disclosed to you in the form of a separate disclosure that will be included with this Agreement. Credit Limit: Your credit limit is the total amount of credit that you may owe to us at any time. Cardholder shall not use the Card or permit the use of Related Cards to obtain Credit Purchases or Loans, which will increase Cardholder s indebtedness to Issuer to an amount in excess of the limit established by Issuer. However, if you do exceed your credit limit, we may still charge you for all purchases, advances (cash or other) FINANCE CHARGES and fees without losing any of our rights under this agreement. We may change your credit limit at any time. You will receive notice of such change from us. You may request an increase in your credit limit after the first year of card usage and annually thereafter. To request an increase in your credit limit you need to contact us by mail at Modern Woodmen Bank, st Avenue, Rock Island, IL or by phone (877) Card Usage: Each Card is the property of Issuer, is not transferable and, must be surrendered upon demand. It can be canceled as well as repossessed by Issuer or its designee, and the privileges thereof revoked, at any time without prior notice. Cards with no financial activity for 397 days may be closed. Goods and services ( Credit Purchases ) may be purchased or leased by means of such card and Cardholder from any retail Business establishment ( seller ) who honors same upon the execution of a sales slip evidencing such Credit Purchases and bearing the account number of Cardholder embossed on the face of such Card. Additionally, VISA Cash Advances ( Loans ) may be obtained through use of such Card (a) upon execution of a written request of Cardholder in a form furnished to Cardholder from any financial institution that is a member, alone or in association with others, of VISA U.S.A. Inc. and (b) upon execution of a written separate agreement with Issuer for a VISA overdraft financing agreement if offered by Issuer. All Credit Purchases and Loans are effected at the option of the Seller and Cash Advancing Financial Institution respectively, and Issuer shall not be responsible for refusal by any Seller or Cash Advancing Institution to honor the Card or any Related Card. Any refund, adjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to Issuer which shall be shown as a credit on Cardholder s account statement with Issuer. Your Promises to Us: You promise to sign each card prior to usage. Your failure to sign the card does not preclude Modern Woodmen Bank from enforcing this agreement. Additionally, by use of your account by you or any person you authorize to use the account, you agree to be bound to the terms of this Agreement. Cardholder shall be liable and agrees to pay issuer for Credit Purchases made by, or for Loans extended to, Cardholder or anyone else using such Card unless the use of such Card is by a person other than the Cardholder (a) who does not have actual, implied or apparent authority for such use, and (b) from which Cardholder receives no benefit. Additionally, Cardholder shall be jointly and severally liable and agrees to pay for all Credit Purchases and Loans obtained through the use of any other Card bearing Cardholder s account number that has been issued to another person by reason of such person being a member of Cardholder s family, or otherwise issued upon Cardholder s request (all such Cards bearing the VISA account number hereinafter collectively called ( Related Cards ). Cardholder agrees that Issuer, its agents or service companies may monitor and/or record any telephone communications with Cardholder. Payments: Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting for the prior monthly period all VISA Card and Related Card transactions. Such statement shall be deemed correct and accepted by Cardholder and all holders of Related Card unless Issuer is notified to the contrary in writing within 60 days of mailing of such statement. Cardholder will pay such statement by remitting to Issuer within 25 days of the closing date reflected on the statement either the full amount billed or, at Cardholder s option, an installment equal to at least the required minimum payment. The billing statement will list all items required by Federal Law to the extent applicable and will be sent to you at the most recent address that you have provided us. You agree to provide us with your new address, if your address changes. Payments must be made to Issuer in U.S. dollars drawn on a U.S. Financial Institution. If Cardholder incurs charges in any other currency, the charges will be converted into U.S. dollars. The conversion may occur after the transaction date and the conversion rate may differ from the rate of exchange in effect at the time of the transaction Cardholder agrees to pay the converted amount to Issuer in U.S. dollars, plus any charge for conversion or processing that may be imposed. Do not send cash. Payment should be sent to the address listed on your billing statement and must accompany the payment stub. Payment is deemed received, when it is received at the address listed on the billing statement. Issuer shall have sole discretion in how payments are applied to cardholder s account within the guidelines of federal regulations including those pertaining to promotional credit plans if applicable. Issuer may accept checks marked Payment-in-Full: or with words of similar effect without losing any of Issuer s rights to collect the full balance of Cardholder s account. Minimum Payment Amount: Your minimum required payment will be the greater of 4% of the ending statement balance or $ Credit Balances: Credit may be given on your account by merchants for returns or adjustments. If credits to your account exceed what you owe us, we will hold and apply your credit balance to subsequent purchases and advances on your account. interest will be paid on any credit balance. tice of Change: Pursuant to this card agreement, any change in interest rate calculation as outlined in the Variable Annual Percentage Rates section, or significant change in terms to our VISA Platinum credit plan will require us to provide a written notice of change at least 45 days prior to the effective date of the change. MWABank Credit Card Agreement Page 2 of 5

3 VARIABLE ANNUAL PERCENTAGE RATES Purchases, Cash Advances and Balance Transfers: Your credit plan has a variable rate feature. Your interest rate is determined by adding a margin to an index. Your interest rate and minimum payment amount may increase or decrease quarterly if the index increases or decreases. VISA Platinum Credit plan: To calculate your interest rate for each billing cycle 5.99% is added to an index. The index shall be the Prime Rate published in the Money Rates section of The Wall Street Journal. Changes to the Index and ANNUAL PERCENTAGE RATE will become effective during the next billing cycle. Billing cycles do not always coincide with month and/or quarter end. The maximum ANNUAL PERCENTAGE RATE is 21.00% for these credit plans. The current ANNUAL PERCENTAGE RATE is 10.99%, which corresponds to a periodic rate of % for years with 365 days. In years with 366 days the Bank uses 366 as the base. Penalty Annual Percentage Rate for All Plans: We reserve the right to apply the PENALTY ANNUAL PERCENTAGE RATE (APR) of 21.00% to your account if you: Make three late payments in a row; Go over your credit limit twice in a six month period; Make a payment that is returned; or Do any of the above on another account that you have with us. The Penalty Rate will become effective with your next billing period. Your Penalty APR of 21.00% will apply until the account is paid current and you make six consecutive minimum payments when due. FINANCE CHARGES Finance Charges on Purchases: Average Daily Balance. To avoid incurring an additional Finance Charge on the balance of Credit Purchases and any new Credit Purchases, you must pay the New Balance on or before the Payment Due Date. The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily balance is determined by adding to the Previous Balance of Credit Purchases, any new Credit Purchases posted to your account, and subtracting any payments received or credits posted to your account, but excluding any unpaid Finance Charges. Subject to the above, the grace period for the New Balance of Credit Purchases extends to the Payment due date. Finance Charges on Cash Advances and Balance Transfers: Average Daily Balance. The Finance Charge on Cash Advances and Balance Transfers begins to accrue on the date you obtain the Cash Advance or the first day of the billing cycle in which it is posted to your account, whichever is later. The Finance Charges for a billing cycle are computed by applying the monthly Periodic Rate to the average daily balance during the billing cycle, which is determined by dividing the sum of the daily balance during the billing cycle by the number of days in the cycle. Each daily balance is determined by adding to the Previous Balance (the outstanding balance of your account at the beginning of the billing cycle), any new Cash Advances or Balance Transfer received, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid Finance Charges. OTHER CHARGES Annual Fees: Your account is not subject to an annual fee. Balance Transfer Fee: A $25.00 fee may be charged for balance transfers to another card. Late-Payment Fee: A $25.00 fee may be charged and added to your purchases balance if the minimum required payment is not received within 25 days of the date of your billing statement. Returned Payment Fee: A $25.00 fee may be charged and added to your purchases balance if your minimum required payment is returned due to non-sufficient funds. Lost Card Replacement Fee: A $25.00 fee may be charged for replacement of a lost credit card. Priority Card Issuing Fee: A $25.00 fee may be charged for requesting priority issuance of your card. Rush Card Fee: A $65.00 fee may be charged for your request to expedite delivery or to pick up your card. Additional charges, plus applicable taxes, may also be assessed if you request a copy of a document or use your card for a transaction at an automated teller machine, if such charges are not prohibited by law or regulation. finance charge will be assessed on such additional charges. Exchange Rate: Effective April 2, 2005, the exchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by VISA from the 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. OTHER INFORMATION Zero Liability Program With the Zero Liability program, Cardholder liability limits are zero upon notification of any unauthorized Visa transaction, provided you: Exercise reasonable care in safeguarding your card from any unauthorized use; Promptly report any loss or theft of the card to us; tify us of the unauthorized transactions within a reasonable timeframe. MWABank Credit Card Agreement Page 3 of 5

4 We may increase the amount of the cardholder's liability for unauthorized Visa transactions if we reasonably determine, based on substantial evidence, that the cardholder was fraudulent or negligent in the handling of the account or the card. Refer to Billing Error Resolution" below for additional information. Lost or Stolen Cards: Cardholder may be liable for the unauthorized use of the Card or Related Cards as provided in this paragraph. The cardholder will not be liable for any unauthorized use that occurs after the Issuer is notified, orally or in writing at: Credit Card Security Department, P.O. Box 24747, Tampa, FL Telephone Number (866) If Cardholder has a consumer account or a business account for which less than 120 cards have been issued, Cardholder s liability for unauthorized use per card will not exceed $ If 10 or more cards are issued to employees of a single business or other organization, there is no limit to Cardholder s liability for any unauthorized use that occurs before Cardholder notifies Issuer as provided herein: the business or organization may only impose liability on its employees for unauthorized use of a card as authorized by federal law and regulation. Card Cancellation or Surrender: If the card is cancelled or surrender is demanded by Issuer, or if Cardholder defaults in any payment due, or is deceased, bankrupt or insolvent, or any attachment or garnishment proceedings are initiated against Cardholder or his property, Issuer may elect to declare all amount then owed to Issuer to be immediately due and payable without notice or demand of any kind. If Cardholder has other loans from Issuer, or takes out other loans with Issuer in the future, collateral securing those loans will also secure the Cardholder s obligation under this agreement. However, unless the Cardholder expressly agrees otherwise, the Cardholder s household goods and dwelling will not secure Cardholder s obligations under this agreement even if Issuer has or later acquires a security interest in the household goods or a mortgage on the dwelling. Cardholder agrees to pay all costs incurred by Issuer in collecting Cardholder s indebtedness or in enforcing this agreement, including reasonable attorney s fees incurred in appellate, bankruptcy and post-judgment proceedings, except to the extent such costs, fees or expenses are prohibited by law. Agreement Amendment: This agreement may be amended from time to time by Modern Woodmen Bank by written notice mailed to Your last known address or via electronic delivery if you have agreed to receive your notices electronically. Governing Law: Except to the extent that Federal law is applicable, the validity, construction and enforcement of this agreement and all matter s arising out of the issuance and use of the Card shall be governed by the laws of the state in which the principal office of Issuer is located. Miscellaneous Agreements: Cardholder agrees (a) Issuer can reinvestigate and reevaluate any information Cardholder provided on Cardholder s credit application at any time, and in the course of doing so, Issuer may ask Cardholder for additional information, request credit bureau reports and/or otherwise verify Cardholder s current credit standing, (b) that Issuer may re-release information to others, such as credit bureaus, regarding the status and history of Cardholder s account, (however, Issuer is not obligated to release any such information to anyone unless Issuer is required by law to do so) and (c) that Cardholder s account shall be subject to all applicable rules and regulations of VISA U.S.A. Inc., as applicable, as well as all applicable laws. If there is any conflict between the provisions of the Agreement and the rules and regulations of VISA U.S.A. Inc. the rules and regulation of VISA U.S.A. Inc. shall control. Your Visa Card may not be used for any illegal transaction(s). Billing Error Resolution YOUR BILLING RIGHTS: KEEP THIS NOTICE FOR FUTURE USE This notice contains important information 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 using the contact information listed below which is also listed on the front of your billing statement. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first billing statement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. Please send Billing Inquiries to: Modern Woodmen Bank Customer Service st Avenue Rock Island, IL Please provide the following information: Customer Service: (866) Web address: Account Information - Your name and account number. Dollar Amount - The dollar amount of the suspected error. Description of Problem - Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment of any amount you think is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur. Your Rights and Our Responsibilities After We Receive Your Written tice We must acknowledge your letter within 30 days, unless we have corrected the error and notified you before then. Within 90 days of receiving your letter, we must either correct the error or explain why we believe the bill was correct. During the investigation period we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount in question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we determine a mistake was not made, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the amount we believe you owe, we may then report you as delinquent. MWABank Credit Card Agreement Page 4 of 5

5 If you receive our explanation and it does not satisfy you; write to us within ten days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent, and we must tell anyone we reported you to that you have a question about your bill. We must also tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we do not follow all of the rules above, you do not have to pay the first $50 of the questioned amount, even if your bill was correct. Your Rights if You Are Dissatisfied With Your Credit Card Purchases - Special Rule for 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 property or services. To use this right, all of the following are 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. (te: 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, electronically or via telephone using the contact information provided in the Billing Inquiries section above. 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. MWABank Credit Card Agreement Page 5 of 5

6 FACTS Why? What? How? WHAT DOES MWABank DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you have with us. This information can include: Social Security number and transaction history Account balances and payment history Credit history and employment information When you are no longer our customer, we continue to share your information as described in this notice. All financial companies need to share customer s personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer s personal information; the reasons MWABank chooses to share; and whether you can limit this sharing. Reasons we can share your personal information For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus For our marketing purposes to offer our products and services to you For joint marketing with other financial companies For our affiliates everyday business purposes Information about your transactions and experiences For our affiliates everyday business purposes information about your creditworthiness For our affiliates to market to you For non-affiliates to market to you To Limit our sharing Questions? Does MWABank share? Can you limit this sharing? We don t share We don t share We don t share Visit us online at ModernWoodmenBank.com and select the printer friendly Marketing Opt Out form located with the Privacy tice at the bottom of our home page. Or for your convenience you may call , Option 0, to speak with a service representative. Our business hours are Monday Friday, 9:00 AM-5:00 PM CT. Please note: If you are a new customer, we can begin sharing this information among the Modern Woodmen corporate family within 30 days from the date we sent this notice to provide you a reasonable amount of time to opt-out. Call BANK or go to ModernWoodmenBank.com Rev. 12/2016.2

7 Who we are Who is providing this notice? What we do How does MWABank protect my personal information? How does MWABank collect my personal information? Why can t I limit all sharing? What happens when I limit sharing for an account I hold jointly with someone else? Definitions Affiliates n-affiliates Joint Marketing Other important information MWABank To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We collect your personal information, for example, when you: open an account or apply for a loan provide account information or provide employment information make deposits or withdrawals from your account We also collect your personal information from others, such as credit bureaus, affiliates, or others. Federal law gives you the right to limit only: sharing for affiliates everyday business purposes information about your creditworthiness affiliates from using your information to market to you sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under State Law. Your choices will apply to you alone unless you tell us otherwise. Companies related by common ownership or control. They can be financial and non-financial companies. MWABank does share with affiliates. Affiliates: Modern Woodmen of America, MWA Financial Services, Inc., MWAGIA Inc. Companies not related by common ownership or control. They can be financial and non-financial companies. MWABank does not share with non-affiliates so they can market to you. A formal agreement between non-affiliated financial companies that together market financial products or services to you. MWABank does not jointly market. For Vermont residents only: In accordance with Vermont law, we will not share information we collect with companies except as required or permitted by law, such as with your consent or to service your accounts. We will not share creditworthiness information among our affiliates except with your authorization or consent. For California residents only: In accordance with California law, we will not share information we collect with non-affiliated third parties except as permitted by law, such as with your consent or to service your accounts or to fulfill rewards or benefits. We will also limit the sharing of information with our affiliates to the extent required by applicable California law. For Nevada residents only: We are providing you this notice pursuant to state law. You may be placed on our internal Do t Call List by following the directions set forth above. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number ; ;

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