Home Equity Line Of Credit Early Disclosure

1 CUNA Mutual Group, 1992, 1999, 2011 All Rights ReservedC202107ED (EED006-E)REAL ESTATE LENDINGPOWERED BYCUNA MUTUALGROUPHOME EQUITYEARLY DISCLOSUREIMPORTANT TERMS OF OUR home Equity line OF Credit PLANThis Disclosure contains important information about our home Equity Lineof Credit Plan. You should read it carefully and keep a copy for OF TERMS: All of the terms described below are subjectto change. If these terms change (other than the annual percentage rate)and you decide, as a result, not to enter into an agreement with us, you areentitled to a refund of any fees that you pay to us or anyone else inconnection with your INTEREST: We will take a security interest in your home . Youcould lose your home if you do not meet the obligations in your agreementwith ACTIONS: We can terminate your line , require you to pay usthe entire outstanding balance in one payment, and charge you certainfees, if:For Wisconsin Borrowers Only:(1) You fail to make a required payment when due two times within atwelve month period, or (2) your failure to observe the terms of this Planmaterially impairs the condition, value or protection of, or our rights in, theproperty securing this All Other Borrowers:(1) You engage in fraud or material misrepresentation in connection withthe plan.

2 (2) you do not meet the repayment terms of this plan, or (3) youraction or inaction adversely affects the collateral or our rights in can refuse to make additional extensions of Credit or reduce your creditlimit if:For All Borrowers:(1) any reasons mentioned above exist; (2) the value of the dwellingsecuring the line declines significantly below its appraised value forpurposes of the line ; (3) we reasonably believe that you will not be able tomeet the repayment requirements due to a material change in yourfinancial circumstances; (4) you are in default of a material obligation of theagreement; (5) government action prevents us from imposing the annualpercentage rate provided for in the agreement; (6) the priority of oursecurity interest is adversely affected by government action to the extentthat the value of the security interest is less than 120 percent of the creditline; (7) a regulatory agency has notified us that continued advances wouldconstitute an unsafe and unsound business practice, or (8) the maximumannual percentage rate is Wisconsin Borrowers Only:(9) you engage in fraud or material misrepresentation in connection withthe PAYMENT REQUIREMENTS: You can obtain Credit advancesfor 7 years.

3 This period is called the draw period. At our option, we mayrenew or extend the draw period. After the draw period ends therepayment period will begin. The length of the repayment period willdepend on the balance at the time of the last advance you obtain beforethe draw period ends. You will be required to make monthly paymentsduring both the draw and repayment periods. At the time you open the planyou will be able to choose a payoff period which we will use to calculate allpayments you make under the plan. The length of the payoff period cannotexceed 180 months. All of the examples in this Disclosure are based on apayoff period of 180 payoff period will always be the shorter of the payoff period for youroutstanding balance or the time remaining to the final payment date.

4 Yourpayment will be set to repay the balance after the advance, at the currentannual percentage rate, within the payoff period. Your payment will remainthe same unless you obtain another Credit advance. Your payment mayalso change if the annual percentage rate increases or decreases. Eachtime the annual percentage rate changes, we will adjust your payment torepay the balance within the original payoff period. Your payment willinclude any amounts past due and any amount by which you haveexceeded your Credit limit, and all other charges. Your payment will neverbe less than the smaller of $ , or the full amount that you PAYMENT EXAMPLE: If you made only the minimum monthlypayment and took no other Credit advances it would take 15 years to payoff a Credit advance of $10,000 at anANNUAL PERCENTAGE During that period, you would make 179 payments of $ andone (1) final payment of $ INSURANCE: You must carry insurance on the property thatsecures this plan.

5 If the property is located in a Special Flood Hazard Areawe will require you to obtain flood insurance if it is OF FEES: If you decide not to enter into this plan withinthree days of receiving this Disclosure and the home Equity brochure, youare entitled to a refund of any fee you may have already DEDUCTIBILITY: You should consult a tax advisor regarding thedeductibility of interest and charges for the RATE FEATURE: This plan has a variable rate feature and theannual percentage rate (corresponding to the periodic rate) and theminimum payment may change as a result. The annual percentage rateincludes only interest and no other annual percentage rate is based on the value of an index. The index isthe Prime Rate published in a range of rateshas been published, the highest rate is used.

6 We will use the most recentindex value available to us as of 30 days before the date of any annualpercentage rate determine the annual percentage rate that will apply to your account,we add a margin to the value of the index. If the rate is not alreadyrounded we then round up to the next .125%. Ask us for the current indexvalue, margin and annual percentage rate. After you open a plan, rateinformation will be provided on periodic statements that we send you. CUNA Mutual Group, 1992, 1999, 2011 All Rights ReservedC202107ED (EED006-E)RATECHANGES: , time during the term of the : Ifyouhadanoutstandingbalanceof$10,000, $ rate could be reached at the time of the 72nd : $ $ , ,theborrowerwillberesponsible for : IfyoupayoffandcloseyourHomeEquityLineofC redit(HELOC)planwithin12monthsofitsopeni ngdate,youmayberequiredtoreimbursetheCre ditUnionforupto$ ,aspermittedby applicable :MODIFICATIONFEE: IfyourequesttomodifysomefeatureofyourHom eEquityLineofCreditwithus,wewillrequirey outopay$ , more (over the original line amount).

7 EXCEEDINGTHECREDITLIMIT: ,wewillchargeyouraccount$ : ,wewillconsidertheappraisalyou may present to , We will charge you a photocopy and delivery fee of $ (HELOC)willbedeterminedbyyourcreditworth iness,loanamountand property value. Please ask a loan officer for information and :Ifyouask,wewillprovideyouwithinformatio nonother available home Equity : Thefollowingtableshowshowtheannualpercen tagerateandtheminimumpaymentsforasingle$ 10, ,paymentsmayhavevariedduring each ,thatonlytheminimumpaymentsweremade, will change in the STREET JOURNAL PRIME RATE INDEX TABLEYear (as of the last business day of January)Index(Percent)Margin(1)(Percent) ANNUALPERCENTAGERATEM onthlyPayment(Dollars) (2) (2) (3) (3) (2) (2) (2) (2) (2) (2) (2) (2) (2) (1) This is a margin we have used recently; your margin may be different.

8 (2)ThisANNUAL PERCENTAGE RATE reflects a floor.(3)ThisANNUAL PERCENTAGE RATE reflects an annual percentage rate periodic cap of per year.