b'9/8/2021\n\nStandard_Credit_Agreement 2Q 2021.html\n\nYour Cardmember Agreement with Us\nThis document is our standard form credit card agreement in effect on the last business day of the previous calendar quarter that ended on\n6/30/2021 and has been supplemented with pricing information included in the document(s) titled \xe2\x80\x9cPricing Supplement\xe2\x80\x9d and other terms and/or\nfeatures that may vary between the different types of credit card accounts that we offer as reflected in the \xe2\x80\x9cAddendum to the Cardmember\nAgreement\xe2\x80\x9d. These documents are provided to you for informational purposes only. These account terms may not be available after the above\ndate. If you apply and are approved for a credit card account with us, your actual account terms will be based on the terms of the offer available at\nthe time that you applied and your Cardmember Agreement will be the agreement sent to you when your account is first opened.\nIntroduction.\nThis Agreement establishes the terms of your credit card account (\xe2\x80\x9cAccount\xe2\x80\x9d) with Barclays Bank Delaware, Wilmington, Delaware. Please read it carefully\nand keep it with your records. You do not need to sign this Agreement, but please sign the back of your credit card (the \xe2\x80\x9cCard\xe2\x80\x9d), if you have not already done\nso. All extensions of credit in connection with your Account are being made by Barclays Bank Delaware.\nUsing Your Account/Acceptance of These Terms.\nYou do not need to accept the Account and this Agreement and none of the fees on this Account (except as otherwise provided herein) will apply unless you\nuse the Account. If your Account has an Annual Fee (see the Account Summary Table to determine if this Account has an Annual Fee) and provided that you\nhave not otherwise used the Account to make a Purchase, Balance Transfer or Cash Advance or paid the Annual Fee, you may close the Account within\nthirty days after Account opening by contacting us at the number on the back of your Card, and if you do, you will not be responsible for paying the Annual\nFee. By signing, keeping, using or otherwise accepting your Card or Account, you agree to the terms and conditions of this Agreement. You may obtain\ncredit in the form of Purchases, Balance Transfers and Cash Advances by using your Card, your account number, Checks, or other credit devices. You agree\nthat we may credit your Account rather than issue cash refunds when you reverse transactions that were originally charged to your Account. You agree that\nyou will not use your Card or Account in connection with any transaction that is prohibited or unenforceable and that if you do engage in such a transaction\nyou waive any claim that the charge is uncollectible on the grounds the transaction was prohibited or unenforceable. The Card must be returned to us upon\nrequest. We may replace your Card with another Card at anytime.\nDefinitions.\nIf we use a capitalized term in this document but we do not define the term in this document, the term has the meaning as used in your monthly statement.\n\xe2\x80\x9cAgreement\xe2\x80\x9d means this document, the Pricing Supplement (the \xe2\x80\x9cSupplement\xe2\x80\x9d) and the Addendum to the Cardmember Agreement (the \xe2\x80\x9cAddendum\xe2\x80\x9d)\ndocument and any changes we make to these documents from time to time.\n\xe2\x80\x9cAuthorized User\xe2\x80\x9d means any person you allow to use your Account including without limitation through a Card, Check, the account number, or other credit\ndevice.\n\xe2\x80\x9cBalance Transfer\xe2\x80\x9d means the use of your Account for a loan obtained by a transfer of funds initiated by us at your request and includes the use of a Balance\nTransfer Check. \xe2\x80\x9cBalance Transfer\xe2\x80\x9d includes the Transaction Fees associated with any Balance Transfer.\n\xe2\x80\x9cCash Advance\xe2\x80\x9d means the use of your Card or account number to obtain cash loans at any financial institution or automated teller machine that accepts the\nCard, the use of a Cash Advance Check or the purchase of Cash Equivalents. \xe2\x80\x9cCash Advance\xe2\x80\x9d includes the Transaction Fees associated with any Cash\nAdvance or any Cash Equivalent.\n\xe2\x80\x9cCash Equivalent\xe2\x80\x9d means the use of your Card or account number to obtain money orders, traveler\'s checks, foreign currency, lottery tickets, gambling chips,\nwire transfers, person to person money transfers (including but not limited to transfers facilitated over the internet), or the use of your Account to open a\ndeposit account or to transfer value to a stored value card at a location or through a merchant other than a financial institution and any other transaction that\nMastercard, Visa and/or American Express (as applicable to your Account) may designate as a Cash Equivalent. Cash Equivalents and the Transaction Fees\nassociated with any Cash Equivalent are considered Cash Advances for interest calculation purposes.\nfile:///C:/Users/SampathP/AppData/Local/Microsoft/Windows/INetCache/Content.Outlook/78GSH1FU/Standard_Credit_Agreement 2Q 2021.html\n\n1/10\n\n\x0c9/8/2021\n\nStandard_Credit_Agreement 2Q 2021.html\n\n\xe2\x80\x9cCheck\xe2\x80\x9d or \xe2\x80\x9cConvenience Check\xe2\x80\x9d means an access check we provide to you to make a Cash Advance or a Balance Transfer as applicable on your Account.\nA Check can be either a Balance Transfer Check or a Cash Advance Check and will be designated as such by us.\n\xe2\x80\x9cDaily Periodic Rate\xe2\x80\x9d or \xe2\x80\x9cDPR\xe2\x80\x9d means the applicable APR divided by 365.\n\xe2\x80\x9cForeign Transaction\xe2\x80\x9d means the use of your Card or Account (other than through a Cash Advance) for a transaction in a currency other than U.S. dollars.\nForeign Transactions and the Transaction Fees associated with any Foreign Transaction are considered Purchases for interest calculation purposes.\n\xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d or \xe2\x80\x9cMPR\xe2\x80\x9d means the applicable APR divided by 12.\n\xe2\x80\x9cPurchase\xe2\x80\x9d means the use of your Card or account number to buy or lease goods or services and to make a transaction that is not otherwise a Balance\nTransfer or a Cash Advance. Purchases include Foreign Transactions, Account Fees and any adjustments associated with any Purchase.\n\xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to each person who has applied for, accepted, or used the Account and each person who has agreed to be responsible for the Account.\n\xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer to Barclays Bank Delaware.\nEasy Pay Promotional Offers.\nFrom time to time we may, at our option, make certain special promotional offers available for certain types of Purchases ("Easy Pay Offers"). Details of the\nAPR and the promotional repayment terms for any available Easy Pay Offer will be described in the specific offer. For Easy Pay Offers, the minimum\npayments during the Easy Pay Offer term are designed to pay the promotional balance in full at the end of the promotional repayment term if on-time\npayments are made. Payments are calculated by adding the promotional Purchase balance at the time the Purchase is enrolled in the Easy Pay Offer (each\nan "Easy Pay Balance") and the amount of projected interest that would accrue on the Easy Pay Balance during the promotional repayment term at the\napplicable APR if only on-time minimum payments are made. This amount is then divided by the number of months in the promotional period and rounded up\nto the next dollar (each an "Easy Pay Payment Amount").\nEnrollment of the eligible Purchase in the Easy Pay Offer may take up to 24 to 72 hours after you have accepted the Easy Pay Offer. Prior to enrollment the\nthen current non-promotional APR may be applied to the applicable purchase from the transaction date until the actual enrollment date if in that billing cycle\nyou incur interest charges on Purchases.\nIf you do not make each required Easy Pay Payment Amount on time during the repayment period and/or there is a remaining Easy Pay Balance at the end\nof the promotional term, this remaining balance will become part of the Principal Balance and will (i) become subject to the then current non-promotional APR\nfor Purchases on the Account and (ii) be subject to the non-Easy Pay Offer Minimum Payment Due calculation applicable to the Principal Balance described\nin "Your Minimum Payment Each Month". The then current non-promotional APR will be applied to the remaining Easy Pay Balance amount on the first day of\nthe next billing cycle after expiration of the Easy Pay promotion on any remaining balance. If you accept an Easy Pay Offer, you acknowledge and agree that\nthe specific terms of the Easy Pay Offer will modify and become part of this Agreement, and all other terms and conditions of this Agreement will apply to the\nEasy Pay Offer.\nObligations on Your Account.\nYou authorize us to pay and charge your Account for all Purchases, Balance Transfers, Checks, and Cash Advances made or obtained by you or anyone you\nauthorize to use your Card or Account. You agree to pay us for all of these Purchases, Balance Transfers, Checks, and Cash Advances, plus any interest\nassessed on your Account and any other charges and fees which you may owe under the terms of this Agreement, whether resulting from 1) physical use of\nyour Card or a Check, 2) mail order or telephone, computer or other electronic transaction made without presenting the Card, or 3) any other circumstances\nwhere you authorize a charge, or authorize someone else to make a charge, to your Account. Each person who has agreed to be responsible on the Account\nis responsible to pay the full amount owed on the Account. If this is a joint Account, we can send statements and notices to either of you. We may require\nthat you pay the full amount owed without first asking any other person(s) to pay. Instructions for making payments are on your monthly billing statement.\nPayments that comply with the requirements specified on or with your monthly billing statement, including the time of receipt, will be credited as of the\nbusiness day they are received. Payments must be mailed to the correct P.O. Box or to the street address specified for U.S. Priority Mail and overnight\npayments. There may be a delay of up to five (5) days in crediting payments that are not made in accordance with those instructions. Please allow\nfile:///C:/Users/SampathP/AppData/Local/Microsoft/Windows/INetCache/Content.Outlook/78GSH1FU/Standard_Credit_Agreement 2Q 2021.html\n\n2/10\n\n\x0c9/8/2021\n\nStandard_Credit_Agreement 2Q 2021.html\n\nat least seven (7) days for the U.S. Postal Service to deliver your payment. All payments must be made in U.S. dollars. Any payment made by check or\nother negotiable instrument or direct debit must be drawn on a U.S. bank or a U.S. branch of a foreign bank. We reserve the right to accept payments made\nin a foreign currency. If we do, we will select the foreign currency rate at our discretion. To ensure the funds from the bank on which your payment is\ndrawn are not returned, your available credit may not be immediately increased by the amount of the payment for up to seven (7) days after the\npayment posts to the account. If you overpay or if there is a credit balance on your Account, we will not pay interest on such amounts.\nMilitary Lending Protections.\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the\ncost 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\ninclude, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection\nwith the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation\nfee charged (other than certain participation fees for a credit card account). To receive this information and a description of your payment obligation orally,\nplease call 866-540-9074.\nIf you are covered by the Military Lending Act, then notwithstanding anything to the contrary in this agreement, to the extent required by the Military Lending\nAct, nothing in this agreement will be deemed a waiver of the right to legal recourse under any otherwise applicable provision of state or federal law.\nCredit Line/Authorized Usage.\nYour credit line is shown on the folder containing your Card. We may change your credit line from time to time\xe2\x80\x94either increase or decrease it\xe2\x80\x94in our\nsole discretion. If at any time (including in the first month after your Account is opened) you engage in account actions or activity that we perceive could\nhave a negative impact on your credit standing with us, we may decrease your credit line or close your Account. Your latest credit line will appear on your\nmonthly billing statement. You agree not to make a Purchase, authorize a Balance Transfer, use a Check, or obtain a Cash Advance that would cause\nthe unpaid balance of your Account to exceed your credit line. We may honor Purchases, Balance Transfers, Checks and/or Cash Advances in\nexcess of your credit line at our sole discretion. If we do, this Agreement applies to that excess and you agree to pay the excess immediately if we\nrequest that you do so. You agree that we may change or cancel your credit line at any time for any reason without affecting your obligation to pay\namounts that you owe under this Agreement. We will notify you of any change, but that change may take effect before you receive the notice. We may\ndesignate that only a portion of your credit line is available for Cash Advances. If we do and you exceed your line, you will be considered to have\nexceeded your credit line for all purposes of this Agreement. We may limit the authorizations to make Purchase, Balance Transfer, Check, or Cash\nAdvance transactions that may be accomplished with your Card or Account. If you are approved for an account that does not have a preset\nspending limit please see the Addendum to the Cardmember Agreement addendum for additional information about your credit line and the usage\nof your Account.\nChecks on Your Account.\nWe may issue Checks on your Account in the form of \xe2\x80\x9cBalance Transfer Checks\xe2\x80\x9d or \xe2\x80\x9cCash Advance Checks,\xe2\x80\x9d which can be used to access your credit line.\nEach Check will contain your Account number and may be used only by the person(s) whose name(s) is/are printed on it. Each must be completed and\nsigned in the same manner as a regular personal check. If we provide Checks to you, you may not use them to pay any amount you owe under this\nAgreement or under any other account you may have with us. Balance Transfer Checks and Cash Advance Checks are subject to the same rate and other\nterms under this Agreement as Balance Transfers and Cash Advances, respectively. Unless otherwise indicated, all references in this Agreement to Balance\nTransfers include Balance Transfer Checks, all references to Cash Advances include Cash Advance Checks, and all references to use of the Account include\nuse of these Checks. At our sole discretion we may elect to not honor a Check if there has been a change in your credit worthiness, your account is not in\ngood standing or if the Check may cause your account to exceed the Cash Advance or other applicable credit line on your Account. At our sole discretion we\nmay elect to honor a Check after its expiration date. Unlike purchase transactions, there are no charge back rights with regard to Balance Transfer\nand Check transactions.\nMonthly Billing Statements.\nAt the end of each monthly billing cycle a statement will be mailed or delivered to you if your Account has a debit or credit balance of more than $1.00 or if\ninterest or a fee has been imposed. We will not send a monthly billing statement if we deem your Account uncollectible or if delinquency collection\nproceedings have been instituted by us sending your Account to an outside collection agency or attorney for collection.\n\nfile:///C:/Users/SampathP/AppData/Local/Microsoft/Windows/INetCache/Content.Outlook/78GSH1FU/Standard_Credit_Agreement 2Q 2021.html\n\n3/10\n\n\x0c9/8/2021\n\nStandard_Credit_Agreement 2Q 2021.html\n\nYour Minimum Payment Each Month.\nEach billing cycle, you must pay at least the Minimum Payment Due shown on your monthly statement by its Payment Due Date. We will calculate it as\nfollows:\n(1) If the Statement Balance is less than $25-$29, the Minimum Payment Due equals the Statement Balance shown on your monthly statement.\n(2)\n\nIf the Statement Balance is $25-$29 or more, the Minimum Payment Due equals the greater of $25-$29 or the total of:\n\n1% of the Principal Balance (defined below),\nAny interest charges billed on the monthly statement (excluding any interest charges that accrued on a deferred interest\nbalance that ended during the billing cycle covered by the statement),\nAny Minimum Interest Charge,\nAny Returned Payment Fee, and\nAny Late Payment Fee.\nIn addition, if your Account has one or more Easy Pay Balance(s), your Minimum Payment Due will include:\n\nAny Easy Pay Payment Amount(s) for that cycle, and\nAny past due Easy Pay Payment Amount(s).\nThe \xe2\x80\x9cPrincipal Balance\xe2\x80\x9d equals the Statement Balance on your monthly statement minus any Easy Pay Balances and minus any interest charges, Minimum\nInterest Charge, Returned Payment Fee, and Late Payment Fee that is incurred during the current billing cycle.\nIf we so elect, your Minimum Payment Due may also include any amount that, at the time of billing, is past due and/or over your credit line. In certain\ninstances your Minimum Payment Due may be less than the total fees and interest assessed that billing cycle. At any time you may pay more than the\nMinimum Payment Due up to the full amount you owe us. However, you cannot \xe2\x80\x9cpay ahead\xe2\x80\x9d. This means that if you pay more than the required Minimum\nPayment Due in any billing cycle or if you make more than one payment in a billing cycle, you will still need to pay the next month\xe2\x80\x99s required Minimum\nPayment Due by your next Payment Due Date.\nVariable Rate Information\nAPR for Purchases: The variable rate equals the Prime Rate plus a margin from 10.74% to 22.74%, (this corresponds to a current DPR of 0.0383% to\n0.0712%) (this corresponds to a current MPR of 1.1658% to 2.1658% for residents of Iowa at the time of account opening (if applicable)).\nAPR for Balance Transfers: The variable rate equals the Prime Rate plus a margin from 10.74% to 22.74%, (this corresponds to a current DPR of 0.0383%\nto 0.0712%) (this corresponds to a current MPR of 1.1658% to 2.1658% for residents of Iowa at the time of account opening (if applicable)).\nAPR for Cash Advances: The variable rate equals the Prime Rate plus a margin from 21.99% to 22.99%, (this corresponds to a current DPR of 0.0692% to\n0.0719%) (this corresponds to a current MPR of 2.1033% to 2.1867% for residents of Iowa at the time of account opening (if applicable)).\nVariable Rate Information.\nThe following applies to any APR on your Account that varies with the market based on the Prime Rate. The standard Annual Percentage Rates (APRs) on\nour Account that are used to determine the amount of interest to be charged for Purchases, Balance Transfers, and Cash Advances are variable rates. The\nAPRs on your Account correspond to a daily periodic rate (\xe2\x80\x9cDPR\xe2\x80\x9d) or a monthly periodic rate (\xe2\x80\x9cMPR\xe2\x80\x9d) which is applicable only to residents of Iowa at the time\nof Account opening. The applicable DPRs/MPRs on your Account equal 1/365th (or 1/12th for residents of Iowa at the time of Account opening) of the sum of\n1) the applicable Prime Rate, 2) plus the margin(s) listed above for each Purchase, Balance Transfer, or Cash Advance balance or the margin listed above if\na Penalty APR applies. The \xe2\x80\x9cPrime Rate\xe2\x80\x9d used in determining the APRs in each billing cycle will be the highest rate published in the Money Rates column of\nThe Wall Street Journal on the last business day of each month. An increase or decrease in the Prime Rate will cause a corresponding increase or decrease\nfile:///C:/Users/SampathP/AppData/Local/Microsoft/Windows/INetCache/Content.Outlook/78GSH1FU/Standard_Credit_Agreement 2Q 2021.html\n\n4/10\n\n\x0c9/8/2021\n\nStandard_Credit_Agreement 2Q 2021.html\n\nto your variable rates on the first day of the billing cycle that begins in the same month in which the applicable Prime Rate is published. Any such increase or\ndecrease will cause a corresponding increase or decrease in the amount of interest assessed and possibly in the amount of the Minimum Payment Due. If\nThe Wall Street Journal does not publish the U.S. Prime Rate, or if it changes the definition of the U.S. Prime Rate, we may substitute another index. The\nPrime Rate was 3.25% as of the last business day of the quarter that ended 6/30/2021.\nTransaction Fees.\nIf you use your Card or Account to obtain a Cash Advance, we will charge a Cash Advance Fee for each such Cash Advance. If you use your Card or\nAccount to make a Balance Transfer, we will charge a Balance Transfer Fee for each such Balance Transfer. If you use your Card or Account to purchase\nCash Equivalents, we will charge a Cash Advance Fee (sometimes we may refer to this as a Cash Equivalent Fee) for each such transaction. If you use your\nCard or Account for a Foreign Transaction, we will charge a Foreign Transaction Fee for each such transaction. Balance Transfer Checks and Cash Advance\nChecks are subject to the same Transaction Fee as Balance Transfers and Cash Advances, respectively. The present amounts of those charges are stated\nin the Account Summary Table.\nAccount Fees.\nIn addition to the fees listed in the Account Summary Table, we may also assess the Account Fees listed below.\nAnnual Fee - If your account has an Annual Fee, generally it will be billed at account opening and every twelve months thereafter. The amount of the Annual\nFee, if there is one on your Account, is listed in the Account Summary Table.\nLate Payment Fee - If we do not receive a payment from you in at least the amount of your Minimum Payment Due by the Payment Due Date shown on your\nmonthly statement, we may charge you a Late Payment Fee. The amount of the Late Payment Fee will be determined in accordance with applicable law.\nThus, the fee generally will not exceed the amount of the applicable Minimum Payment Due. In addition, this fee will not exceed $40. If you have not been\nassessed a late fee in the 6 preceding billing cycles, this fee will not exceed $29.\nLate Payment Fee for Residents of Iowa at the Time of Account Opening - If we do not receive a payment from you in at least the amount of your\nMinimum Payment Due by the Payment Due Date shown on your monthly statement, we may charge you a Late Payment Fee. The amount of the Late\nPayment Fee will be determined in accordance with applicable law. Thus, the fee generally will be the amount of the applicable Minimum Payment Due or\n$15, whichever is less.\nReturned Payment Fee - If your bank does not honor a check or direct debit you deliver to us, or we must return a check because it is not signed or is\notherwise irregular, we may charge you a Returned Payment Fee. The amount of the Returned Payment Fee will be determined in accordance with\napplicable law. Thus, the fee generally will not exceed the amount of the applicable Minimum Payment Due. In addition, this fee will not exceed $40. If you\nhave not been assessed a returned payment fee in the 6 preceding billing cycles, this fee will not exceed $29.\nReturned Payment Fee for Residents of Iowa at the Time of Account Opening - If your bank does not honor a check or direct debit you deliver to us, or\nwe must return a check because it is not signed or is otherwise irregular, we may charge you a Returned Payment Fee. The amount of the Returned\nPayment Fee will be determined in accordance with applicable law. Thus, the fee generally will be the amount of the applicable Minimum Payment Due or\n$15, whichever is less.\nReturned Check Fee - If we return a Convenience Check (which includes a Balance Transfer Check or a Cash Advance Check) unpaid because it exceeds\nyour available credit line at the time it is processed, your Account is closed or otherwise does not have charge privileges, you did not comply with our\ninstructions regarding the Check or your Account is past due, we may charge you a Returned Check Fee. The amount of the Returned Check Fee will be\ndetermined in accordance with applicable law. Thus, the fee generally will not exceed the amount of the returned Convienience Check. In addition, this fee\nwill not exceed $40. If you have not been assessed a returned check fee in the 6 preceding billing cycles, this fee will not exceed $29.\nReturned Check Fee for Residents of Iowa at the Time of Account Opening - If we return a Convenience Check (which includes a Balance Transfer\nCheck or a Cash Advance Check) unpaid because it exceeds your available credit line at the time it is processed, your Account is closed or otherwise does\nnot have charging privileges, you did not comply with our instructions regarding the check or your Account is past due, we may charge you a Returned Check\nFee. The amount of the Returned Check Fee will be determined in accordance with applicable law. Thus, the fee generally will not exceed the amount of the\nreturned Convenience Check or $20, whichever is less.\nfile:///C:/Users/SampathP/AppData/Local/Microsoft/Windows/INetCache/Content.Outlook/78GSH1FU/Standard_Credit_Agreement 2Q 2021.html\n\n5/10\n\n\x0c9/8/2021\n\nStandard_Credit_Agreement 2Q 2021.html\n\nCheck Stop Payment Fee \xe2\x80\x93 If we stop payment on a Convenience Check at your request, we may charge you a Check Stop Payment Fee of up to $39.95.\nCheck Stop Payment Fee for Residents of Iowa at the Time of Account Opening \xe2\x80\x93 If we stop payment on a Convenience Check at your request, we may\ncharge you a Check Stop Payment Fee of $29.\nForeign Currency Conversion.\nFor Mastercard Cards, we and Mastercard (or their affiliates) will convert transactions in foreign currencies into U.S. Dollars. Mastercard will use their\ncurrency conversion procedures that are current at the time of the transaction. Currently, Mastercard selects a rate from the range of rates available in the\nwholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard itself receives, or the government\nmandated rate in effect for the applicable central processing date. The currency conversion rate used on the conversion date may differ from the rate in effect\non the date you used your Card or Account.\nFor Visa Cards, we and Visa (or their affiliates) will convert transactions in foreign currencies into U.S. Dollars. Visa will use its currency conversion\nprocedures that are current at the time of the transaction. Currently, Visa selects a rate from the range of rates available in the wholesale currency markets for\nthe applicable central processing date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable\ncentral processing date. The currency conversion rate used on the conversion date may differ from the rate in effect on the date you used your Card or\nAccount.\nAuthorized Users.\nYou may allow Authorized Users to use your Account. When you tell us to add an Authorized User to your account, you are confirming that you have a\nrelationship with the person or persons you\xe2\x80\x99ve added, that all their information is correct, and that you have their consent to add them. If you allow an\nAuthorized User to use your Account, you will be liable for all transactions made by that person including transactions for which you may not have intended to\nbe liable, even if the amount of those transactions causes your credit limit to be exceeded. You must notify us to revoke your permission to allow an\nAuthorized User to use your Account or Card. Until you revoke your permission, you are responsible for all charges made by an Authorized User, including\nBalance Transfer Check and Cash Advance Check transactions, regardless of whether you intended to be responsible for those charges. Authorized Users\nmay remove themselves from your Account upon request. We reserve the right to remove them from your Account for any reason. If you request additional\nCards for Authorized Users, checks accessing this Account may also be included with the Card. Barclay\xe2\x80\x99s provides account information to the credit reporting\nagencies for all account users. This information could impact an authorized user\xe2\x80\x99s credit score.\nAdministrative Charges.\nIf you request photocopies of monthly billing statements, you will be charged for each duplicate requested. For each statement that is less than 25 months\nold, you will be charged $5. For each statement that is 25 or more months old, you will be charged $10. If you request any special services such as obtaining\nCards on an expedited basis, you agree to pay our reasonable charges for such services, in effect at that time.\nDefault/Collection Costs.\nUnless otherwise prohibited by law, your Account will be in default and we may demand immediate payment of the entire amount you owe us if: 1) in any\nmonth we do not receive your Minimum Payment Due by the Payment Due Date; 2) you make Purchases, initiate Balance Transfers, use a Check, or obtain\nCash Advances in excess of your credit line; 3) you fail to comply with this Agreement; 4) there is a filing for your bankruptcy; 5) you die or become\nincapacitated; or 6) we believe in good faith that the payment or performance of your obligations under this Agreement is impaired for any other reason. As\npermitted by applicable law, you agree to pay all collection expenses actually incurred by us in the collection of amounts you owe under this Agreement\n(including court or arbitration costs and the fees of any collection agency to which we refer your Account) and, in the event we refer your Account after your\ndefault to an attorney who is not our regularly salaried employee, you agree to pay the reasonable fees of such attorney. We will not be obligated to honor\nany attempted use of your Account if a default has occurred or we have determined to terminate your Account or limit your Account privileges (as discussed\nbelow).\nTermination/We May Suspend Or Close Your Account.\nWe may suspend or close your account or otherwise terminate your right to use your account without prior notice, even if you pay on time and\nyour account is not in default. We may do this at any time and for any reason, including but not limited to, if there is a change to your\ncreditworthiness or if your Account becomes inactive. For purposes of this section \xe2\x80\x9cinactivity\xe2\x80\x9d is generally defined as no purchases or other\nfile:///C:/Users/SampathP/AppData/Local/Microsoft/Windows/INetCache/Content.Outlook/78GSH1FU/Standard_Credit_Agreement 2Q 2021.html\n\n6/10\n\n\x0c9/8/2021\n\nStandard_Credit_Agreement 2Q 2021.html\n\ntransactions on your account, no balance and no other activity on your Account for a period of time as determined by us. You must destroy all\nCards, Checks or other credit devices on the Account when we request it. You agree that you will not try to make a Purchase, use a Check, initiate a Balance\nTransfer or obtain a Cash Advance after you have been notified that your privilege to use your Account has been closed or revoked. You may close your\nAccount at any time. If you do, you must destroy all Cards and Checks previously issued on the Account. If you call us, we may require that you confirm your\ntermination in writing. Whether your account is closed by us or by you, your obligations under this Agreement continue even after the Account is closed.\nNotices to You.\nBilling statements and notices will be sent to the address shown in our files. If this is a joint Account, we may send billing statements and notices to either of\nyou. You promise to promptly inform us of any change in your e-mail address or your U.S. mail address. You may update this information by visiting the\nwebsite on the back of your Card and sending us an e-mail or telephoning us at the telephone number provided below on your Card. We may in our\ndiscretion accept address corrections from the United States Postal Service.\nConsent to Receive Electronic Notices.\nYou may receive periodic billing statements and other notices regarding your Account electronically or by U.S. mail. By requesting statements and other\nnotices electronically, which may only be done on our website, and by providing any other legally required consents, you affirmatively consent to receive all\nperiodic billing statements and other notices electronically when legally permissible. Otherwise, statements and notices will be sent to the address shown in\nour files. If at any time you need a paper copy of statements or notices, or you change your mind and prefer to receive all your statements and notices in\npaper rather than electronic form, telephone us at the number provided on the back of your card or visit us at the website on the back of your Card and send\nus an e-mail. In order to access your statements and notices electronically, you must have a computer equipped with at least a 40-bit JavaScript-enabled\nNetscape or Microsoft browser at the Version level 4.0 or higher. In order to retain your statements and notices, you must have a printer attached to your\ncomputer that can print them out or a drive or other storage device onto which you can download them. By accepting the receipt of electronic statements and\nother notices, you confirm that you have the software and equipment that satisfies these requirements to enable you to access and retain your statements\nand notices electronically.\nSkip Payment Program and Other Special Terms.\nFrom time to time, we may let you skip or reduce one or more monthly payments during a year (interest will continue to accrue) or offer you other special\nfeatures. If we do, we will advise you of the scope and duration of the applicable skip or special feature. When the skip or special feature ends, your regular\nterms will resume.\nChanges To this Agreement.\nWe can change this Agreement, including the annual percentage rate and any fees, as permitted by applicable law. These changes may include\nthe addition or deletion of provisions relating to your Account or to the nature, extent, and enforcement of the rights and obligations you or we\nmay have under this Agreement. We will notify you of any change. Any change, including any increase or decrease in your APRs, will become\neffective at the time stated in our notice and will apply to those balances, including new transactions, on your Account as described in our notice.\nCredit Performance.\nYour Account was established based upon criteria which reflect your particular credit history. We will from time to time review your credit performance. In\naddition to any other rights we have, if you do not maintain your past level of credit performance, we may change some or all of the Account terms on your\nAccount, and if we do we will notify you as provided in this Agreement and in accordance with applicable law.\nCredit Information.\nYou agree that we may request consumer credit reports from one or more credit reporting agencies in connection with your application and the\nadministration of your Account. You also authorize us to exchange credit information concerning you or your Account with (and answer questions and\nrequests from) others, such as merchants, other lenders and credit reporting agencies. From time to time we may request employment and income data from\nthird parties for the ongoing administration of your Account.\nCalls/Electronic Communications.\nIn the regular course of our business, we may monitor and record phone conversations made or received by our employees or our agents. Similarly, we may\nmonitor and record e-mail or conversations on our website between you and our employees or agents. You agree that we will have such right with respect to\nall phone conversations, e-mail or conversations between you and our employees or agents, whether initiated by you or any of our employees or agents. We\nfile:///C:/Users/SampathP/AppData/Local/Microsoft/Windows/INetCache/Content.Outlook/78GSH1FU/Standard_Credit_Agreement 2Q 2021.html\n\n7/10\n\n\x0c9/8/2021\n\nStandard_Credit_Agreement 2Q 2021.html\n\nmay contact you by telephone in connection with the Account, directly or through an agent \xe2\x80\x93 for example, to collect amounts owed on the Account, to notify\nyou of potential fraudulent transactions on your account or for other account-servicing purposes. If at any time you provide a mobile telephone number at\nwhich you may be contacted, you consent to receive calls (including autodialed calls and prerecorded messages) at that mobile number from us, our\nsuccessors and assigns, and our affiliates, agents and independent contractors, including servicers and collection agents, regarding the Account or your\nrelated financial obligations.\nYou consent and further agree that:\n(1) these telephone calls, from us or on our behalf, may be made:\n(a) to the telephone number(s) that you provided on the Account application,\n(b) to any other telephone number(s) that you later provide to us, and/or\n(c) to any telephone number(s) that we are permitted by law to use to contact you;\n(2) these calls may be sent using automatic dialing equipment and/or include prerecorded messages;\n(3) other communications, including mobile text messages, may be sent to the same telephone number(s) (technology permitting);\n(4) you may be charged by your service provider for these calls in accordance with your service plan between you and your current telephone provider;\n(5) these calls and/or messages are not \xe2\x80\x9cunsolicited\xe2\x80\x9d calls for purposes of applicable law; and\n(6) except to the extent prohibited by applicable law, other communications, including, but not limited to, fax or telecopier, Internet, U.S. mail, and non-mobile\nemail messages, may be sent to you.\nRefusal to Honor Card.\nWe are not responsible for refusals to honor your Card or Checks. Except as otherwise required by applicable law or regulation, we will not be responsible for\nmerchandise or services purchased or leased through use of your Account.\nIrregular Payments and Delay in Enforcement.\nWe can accept late payments, partial payments, checks and money orders marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or language having the same effect without losing any of our\nrights under this Agreement. We can also delay enforcing our rights under this Agreement any number of times without losing them. The fact that we may at\nany time honor a Purchase, Check, Balance Transfer or Cash Advance in excess of your maximum credit line does not obligate us to do so again.\nOur Rights Continue.\nOur failure or delay in exercising any of our rights under this Agreement does not mean that we are unable to exercise those rights later.\nElectronic Check Conversion.\nIf you make a payment on this Account utilizing a check, you authorize us either to use the information from your check to make a one-time electronic fund\ntransfer from your checking/deposit account or to process the payment as a check transaction. When we use information from your check to make an\nelectronic fund transfer, funds may be withdrawn from your bank account as soon as the same day you make your payment, and you will not receive your\ncheck back from your financial institution. For inquiries, or to opt out of one-time electronic fund transfers, please call the number listed on the back of your\nCard.\nPayments That Are Returned on Your Account.\nIf a payment you make is not honored by your bank and we have already credited your account for the payment, we will reverse the credit in the following\nmanner. We separately total the amounts credited to Purchases, Cash Advances, and Balance Transfers. For each such amount we create a new\ntransaction at the then current applicable rate for Purchases, Cash Advances, and Balance Transfers, respectively, and add that transaction to your account\nas of the date the original payment was first credited to your Account.\nPayment Allocation.\nSubject to any mandatory provisions of applicable law, in most instances, we will allocate any amount over your minimum payment to the highest\nAPR balances first. Payments up to the minimum payment will be applied at our discretion, including to lower APR balances first. If you have any\nEasy Pay Balances on your Account, that portion of your minimum payment attributable to your monthly Easy Pay Payment Amount will be\napplied first to your Easy Pay Balances.\nfile:///C:/Users/SampathP/AppData/Local/Microsoft/Windows/INetCache/Content.Outlook/78GSH1FU/Standard_Credit_Agreement 2Q 2021.html\n\n8/10\n\n\x0c9/8/2021\n\nStandard_Credit_Agreement 2Q 2021.html\n\nLiability for Unauthorized Use of Your Account.\nIf your Card or any Check(s) are lost or stolen or if you have reason to think someone may use your Account without your permission, you must notify us at\nonce. Please either visit the website on the back of your Card and send us an e-mail or telephone us at the number on the back of your Card concerning the\nloss or theft of your Card or Checks or the possible unauthorized use of your Account. Do not use the Card, Account number or any Checks after they have\nbeen reported lost or stolen, even if they are found or returned. You will not be liable for unauthorized use of the Account; however, you must identify for us\nthe charges that were not made by you or someone authorized by you and through which you received no benefit. We may require you to provide us with\ncertain information and to comply with our investigation procedures. We may terminate or limit access to your Account if you have notified us or we have\ndetermined that your Card or Checks may have been lost or stolen, or that there may be unauthorized access to your Account.\nAssignment.\nWe may at any time assign or sell your Account, any sums due on your Account, this Agreement or our rights or obligations under this Agreement. The\nperson(s) to whom we make any such assignment or sale shall be entitled to all of our rights under this Agreement, to the extent assigned.\nGoverning Law.\nTHIS AGREEMENT AND YOUR ACCOUNT WILL BE GOVERNED BY THE LAWS OF THE STATE OF DELAWARE AND, AS APPLICABLE, FEDERAL\nLAW.\nInquiries or Questions.\nYou may address any inquiries or questions which you have about your Account to Barclays Bank Delaware, by visiting the website on the back of your Card\nand sending us an e-mail, writing us at Barclays Bank Delaware, P.O. Box 8801, Wilmington, DE 19899-8801, or calling us at the number on the back of your\nCard. If you telephone or email us instead of writing, you may lose certain rights the law gives you to dispute billing errors.\nIf You Have a Complaint with Us.\nWe are committed to providing quality products and services to our customers. To do this, we seek opportunities to make lives simpler for our customers,\nprovide avenues for our customers to report any form of dissatisfaction that they may have with us, and have established complaint principles. For additional\ninformation about our complaint policy, please refer to the Customer Service section on www.barclaycardus.com. If you are unhappy and would like to submit\na complaint, you can do so by either writing us at Card Services, P.O. Box 8801, Wilmington, DE 19899-8801, or calling us at 1-888-232-0780 [TDD: 1-8664-TDD-705 (or 1- 866-483-3705)]\nARBITRATION.\nTHIS ARBITRATION SECTION DOES NOT APPLY TO YOU IF YOU ARE SUBJECT TO THE PROTECTIONS OF THE MILITARY LENDING ACT.\nAt the election of either you or us, any claim, dispute or controversy (\xe2\x80\x9cClaim\xe2\x80\x9d) by either you or us against the other, arising from or relating in any way to this\nAgreement or your Account, or their establishment, or any transaction or activity on your Account, including (without limitation) Claims based on contract, tort\n(including intentional torts), fraud, agency, negligence, statutory or regulatory provisions or any other source of law and (except as otherwise specifically\nprovided in this Agreement) Claims regarding the applicability of this arbitration provision or the validity of the entire Agreement, shall be resolved exclusively\nby arbitration. For purposes of this provision, \xe2\x80\x9cyou\xe2\x80\x9d includes yourself, any authorized user on the Account, and any of your agents, beneficiaries or assigns, or\nanyone acting on behalf of the foregoing, and \xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d includes our employees, parents, subsidiaries, affiliates, beneficiaries, agents and assigns, and to\nthe extent included in a proceeding in which Barclays is a party, its service providers and marketing partners. Any Claims sought to be made or remedies\nsought to be obtained as part of any class action, private attorney general or other representative action (hereafter all included in the term \xe2\x80\x9cclass action\xe2\x80\x9d) shall\nbe subject to arbitration, and arbitrated on an individual basis between you and us, not on a class or representative or other collective basis. The arbitrator\nshall not have any authority to entertain a claim, or to award any relief, on behalf of or against anyone other than a named party to the arbitration proceeding.\nIf any Claim is advanced in a court, arbitration may be elected under this provision instead, and the right to elect arbitration shall not be deemed to have been\nwaived if the election is made at any time before commencement of trial.\nAlternatively, you and we may pursue a Claim within the jurisdiction of the Justice of the Peace Court in Delaware, or the equivalent court in your home\njurisdiction, provided that the action remains in that court, is made on behalf of or against you only and is not made part of a class action, private attorney\ngeneral action or other representative or collective action.\n\nfile:///C:/Users/SampathP/AppData/Local/Microsoft/Windows/INetCache/Content.Outlook/78GSH1FU/Standard_Credit_Agreement 2Q 2021.html\n\n9/10\n\n\x0c9/8/2021\n\nStandard_Credit_Agreement 2Q 2021.html\n\nThe arbitration shall be administered by the American Arbitration Association, www.adr.org, 950 Warren Avenue, East Providence, Rhode Island, 02914, 1866-293-4053 (the \xe2\x80\x9cAdministrator\xe2\x80\x9d). The Administrator provides information about arbitration, its arbitration rules and procedures, fee schedule and claims\nforms at its web site or by mail as set forth above. The Administrator will apply the rules and procedures in effect and applicable to the claim at the time the\narbitration is filed. The Claim will be heard before a single arbitrator. The arbitration will not be consolidated with any other arbitration proceedings. The\nAdministrator shall resolve each dispute in accordance with applicable law.\nIf you commence arbitration, you must provide us the notice required by the Administrator\xe2\x80\x99s rules and procedures. The notice may be sent to us at Barclays\nBank Delaware, P.O. Box 8801, Wilmington, DE 19899-8801. If we commence arbitration, we will provide you notice at your last known billing address. We\nagree to honor a request by you to remove the action to a Small Claims Court, provided that we receive the request within thirty days of the notice of\ncommencement of arbitration. Any arbitration hearing at which you appear will take place at a location within the federal judicial district that includes your\nbilling address at the time the Claim is filed.\nThis arbitration agreement is made pursuant to a transaction involving interstate commerce, and shall be governed by the Federal Arbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa7\n1-16. No class actions, joinder or consolidation of any Claim with a Claim of any other person or entity shall be allowable in arbitration, without the written\nconsent of both you and us. In the event that there is a dispute about whether limiting arbitration of the parties\' dispute to non-class proceedings is\nenforceable under applicable law, then that question shall be resolved by litigation in a court rather than by the arbitrator; and to the extent it is determined\nthat resolution of a Claim shall proceed on a class basis, it shall so proceed in a court of competent jurisdiction rather than in arbitration.\nA party can file with the Administrator a written appeal of a single arbitrator\xe2\x80\x99s award within 30 days of award issuance, requesting a new arbitration in front of\nthree neutral arbitrators designated by the Administrator. The panel will reconsider all factual and legal issues, following the same rules of procedure, and will\nmake decisions based on majority vote. Any final arbitration award will be binding on the named parties and enforceable by any court having\njurisdiction. Judgment upon any arbitration award may be entered in any court having jurisdiction.\nWe will pay, or reimburse you for, all fees or costs to the extent required by law or the rules of the arbitration Administrator. Whether or not required by law or\nsuch rules, if you prevail at arbitration on any Claim against us, we will reimburse you for any fees paid to the Administrator in connection with the arbitration\nproceedings. Under no circumstances will we seek from you payment or reimbursement of any fees that we incur in connection with arbitration. In addition,\nin any arbitration that you elect to file that could be heard in Small Claims Court in your jurisdiction, we will pay the filing fees and other arbitration fees above\nthe cost of filing in that Small Claims Court. If you are required to advance any fees or costs to the arbitration Administrator, but you ask us to do so in your\nstead, we will consider and respond to your request.\nThis arbitration agreement applies to all Claims now in existence or that may arise in the future, and it survives the termination of the Cardmember Agreement\nand the Account relationship, including your payment in full, and your filing of bankruptcy. Nothing in this Agreement shall be construed to prevent any party\xe2\x80\x99s\nuse of (or advancement of any claims, defenses, or offsets in) bankruptcy or repossession, replevin, judicial foreclosure or any other prejudgment or\nprovisional remedy relating to any collateral, security or property interests for contractual debts now or hereafter owed by either party to the other under this\nAgreement.\nARBITRATION WITH RESPECT TO A CLAIM IS BINDING AND NEITHER YOU NOR WE WILL HAVE THE RIGHT TO LITIGATE THAT CLAIM\nTHROUGH A COURT. IN ARBITRATION YOU AND WE WILL NOT HAVE THE RIGHTS THAT ARE PROVIDED IN COURT INCLUDING THE RIGHT TO A\nTRIAL BY JUDGE OR JURY AND THE RIGHT TO PARTICIPATE OR BE REPRESENTED IN PROCEEDINGS BROUGHT BY OTHERS SUCH AS CLASS\nACTIONS OR SIMILAR PROCEEDINGS. IN ADDITION, THE RIGHT TO DISCOVERY AND THE RIGHT TO APPEAL ARE ALSO LIMITED OR\nELIMINATED BY ARBITRATION. ALL OF THESE RIGHTS ARE WAIVED AND ALL CLAIMS MUST BE RESOLVED THROUGH ARBITRATION.\n\nfile:///C:/Users/SampathP/AppData/Local/Microsoft/Windows/INetCache/Content.Outlook/78GSH1FU/Standard_Credit_Agreement 2Q 2021.html\n\n10/10\n\n\x0c'


b'9/8/2021\n\nGeneral_Account_Pricing_Information 2Q 2021.html\n\nPricing Supplement to the\nCardmember Agreement\nThe information provided below in this Pricing Supplement, along with the Cardmember Agreement(s) and the Addendum to the Cardmember\nAgreement (as applicable) reflects certain account pricing and terms that were available to certain applicants that applied for and were approved\nfor certain credit card accounts on the last business day of the calendar quarter that ended on 6/30/2021. These account terms may not be\navailable after that date.\nThese documents are being provided to you for informational purposes only. If you apply and are approved for a credit card account with us, your\nactual account terms will be based on the terms of the offer available at the time that you applied, what you are approved for and your actual\nCardmember Agreement will be the agreement sent to you when your account is first opened.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nPurchases\n\n13.99% to 25.99%\n\nAPR for Balance Transfers\n\n13.99% to 25.99% APR. This APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n25.24% to 26.24% APR. This APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases\nif you pay your entire balance by the due date each month. We will begin charging interest on balance transfers,\nchecks and cash advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $0.50\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer\nFinancial Protection Bureau at http://consumerfinance.gov/learnmore\n\nAPR. This APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fee\n\n$0 to $995\n\nTransaction Fees:\nBalance Transfer\n\nEither $5 or 3% of the amount of each transfer, whichever is greater. We may from time to time offer you lower\nTransaction Fees on Balance Transfers and Checks.\n\nCash Advance\n\nEither $10 or 5% of the amount of each cash advance, whichever is greater\n\nForeign Transaction\n\n0% - 3% of each transaction in U.S. dollars.\n\nPenalty Fees:\nLate Payment\n\nUp to $40 depending upon the state that you live in at the time of account opening.\n\nfile:///C:/Users/SampathP/Desktop/Q2 2021/Barclays Bank Delaware/General_Account_Pricing_Information 2Q 2021.html\n\n1/2\n\n\x0c9/8/2021\n\nGeneral_Account_Pricing_Information 2Q 2021.html\n\nReturned Payment\n\nUp to $40 depending upon the state that you live in at the time of account opening.\n\nAdditional Check Related Fees\nCheck Stop Payment Fee\n\nUp to $39.95 depending upon the state that you live in at the time of account opening.\n\nReturned Check Fee\n\nUp to $40 depending upon the state that you live in at the time of account opening.\n\nHow We Will Calculate Your Balance:\nWe use a method called "daily balance (including new purchases)". If you are a resident of Iowa at the time the account is opened, we use a method called\n"average daily balance (including new purchases)". See Addendum to the Cardmember Agreement for more details.\nThe Prime Rate was 3.25% as of the last business day of the quarter that ended 6/30/2021.\n\nfile:///C:/Users/SampathP/Desktop/Q2 2021/Barclays Bank Delaware/General_Account_Pricing_Information 2Q 2021.html\n\n2/2\n\n\x0c'


b'9/8/2021\n\nAddendum_to_the_Standard_Credit_Agreement 2Q 2021.html\n\nAddendum to the Cardmember Agreement\nThis Addendum to the Cardmember Agreement reflects variations to our standard form credit card agreement in effect on the last business day of\nthe previous calendar quarter that ended on 6/30/2021. Our standard Cardmember Agreement(s) is supplemented with pricing information\nreflected in the document(s) titled \xe2\x80\x9cPricing Supplement\xe2\x80\x9d and other terms and/or features that may vary between the different types of credit card\naccounts that we offer as reflected in the below \xe2\x80\x9cAddendum to the Cardmember Agreement\xe2\x80\x9d. These documents are provided to you for\ninformational purposes only. These account terms may not be available after the above date. If you apply and are approved for a credit card\naccount with us, your actual account terms will be based on the terms of the offer available at the time that you applied and your Cardmember\nAgreement will be the agreement sent to you when your account is first opened.\nThe following provision is to be added at the end of the last sentence of the \xe2\x80\x9cCredit Line/Authorized Usage\xe2\x80\x9d paragraph in our standard Cardmember\nAgreement and is applicable to credit card accounts that do not have a preset spending limit:\n\xe2\x80\x9cBecause your Account has no pre-set spending limit, we may permit you from time to time at our discretion to make certain charges that cause your\noutstanding balance to exceed your revolving credit line. These charges will be evaluated based on account performance, other credit accounts with us, and\nyour experience with other creditors. If we authorize these charges, you must pay, with your Minimum Payment Due, the amount by which your balance\nexceeds your revolving credit line, including amounts due to Purchases, Cash Advances, Interest charges, Fees, or other charges.\xe2\x80\x9d\nThe provisions describing how we calculate your balance subject to interest rate each month, accrual of interest and how to avoid paying interest on\npurchases may vary based on the account type that the applicant applied for and whether the applicant is a resident of Iowa. The following two options\ncontain the various provisions that could apply, and one of these options will be reflected in the Cardmember Agreement assigned at account opening:\nOPTION 1:\nHow We Will Calculate Interest.\nWe use a method called \xe2\x80\x9cdaily balance (including new purchases)\xe2\x80\x9d. We calculate interest separately for each \xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d. These\ninclude for example, Purchases at the current rate, Balance Transfers at the current rate, Cash Advances at the current rate, and different promotional\nbalances. Your monthly billing statement shows each \xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d.\nTo calculate interest, we first calculate a daily balance for each Balance Subject to Interest Rate. We start with the balance, for that Balance Subject to\nInterest Rate, as of the end of the previous day. We add any interest calculated on the previous day\xe2\x80\x99s balance. (This means interest is compounded daily).\nWe add any new Purchases, Balance Transfers, or Cash Advances to the appropriate balance, subtract any new payments or credits from the appropriate\nbalance, and make other adjustments. A credit balance is treated as a balance of zero. We then multiply each daily balance by the applicable DPR. We do\nthis for each day in the billing period. That gives us the daily interest. We add up all the daily interest for all of the daily balances to get the total interest for the\nbilling period.\nAccrual of Interest and How to Avoid Paying Interest on Purchases.\nOn Purchases, interest begins to accrue as of the transaction date. However, you can avoid paying interest on Purchases in any given billing cycle if you pay\nyour Statement Balance in full by the Payment Due Date. For Balance Transfers, interest will accrue from the transaction date which generally will be the day\nwe send the Balance Transfer to the payee. For Checks, interest will accrue from the transaction date which generally will be the day the payee accepts the\nCheck. For Cash Advances, interest will accrue from the transaction date which generally will be the day you take the Cash Advance. If you are charged\ninterest in a billing cycle, we will charge a Minimum Interest Charge (or \xe2\x80\x9cMinimum Charge\xe2\x80\x9d) on your Account if the total interest charge in that billing cycle is\nless than the amount of the Minimum Interest Charge.\nIf you have a promotional APR offer(s) on your Account, you can avoid paying interest on non-promtional Purchases if you pay, by the Payment Due Date,\nthe amount that equals your Easy Pay Payment Amount(s) plus your Statement Balance, minus any promotional Balance Transfer balance or special\ncategory Purchase (such as an Easy Pay Balance) with a reduced APR, and minus any Deferred Financing Purchase during all but the last billing period of\nfile:///C:/Users/SampathP/AppData/Local/Microsoft/Windows/INetCache/Content.Outlook/78GSH1FU/Addendum_to_the_Standard_Credit_Agreement 2Q 2021.html\n\n1/2\n\n\x0c9/8/2021\n\nAddendum_to_the_Standard_Credit_Agreement 2Q 2021.html\n\nthe promotional period. If one or more of the balances on your Account is subject to one of these promotional APR offers, this will be more fully explained on\nyour monthly Statement.\nOPTION 2:\nHow We Will Calculate Your Balance Subject to Interest Rate (For Residents of Iowa at the Time of Account Opening).\nWe use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. To determine the amount of the interest to be charged on your Account we first\ncalculate the \xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d separately for Purchases, for Balance Transfers, and for Cash Advances. We apply the applicable Monthly\nPeriodic Rate to the average daily balances of i) Purchases, ii) Balance Transfers, and iii) Cash Advances. The average daily balances for Purchases, for\nBalance Transfers, and for Cash Advances are calculated separately and determined as follows: We take the beginning balances for each balance category\non your Account each day, add to the respective balances any new transaction, subtract any payments or credits and make any other applicable\nadjustment(s). A credit balance is treated as a balance of zero. Then we take the sum of all daily balances and divide by the number of days in the billing\nperiod to determine the average daily balance. If you multiply the \xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d for each balance category as disclosed on your monthly\nbilling statement by the applicable MPRs, the results will be the interest assessed, except for minor variations caused by rounding. We may from time to time\noffer you \xe2\x80\x9cintroductory,\xe2\x80\x9d \xe2\x80\x9cspecial\xe2\x80\x9d or \xe2\x80\x9cpromotional\xe2\x80\x9d APR offers. If any are in effect on your Account, we will separately identify the balances to which such offers\napply on your monthly billing statement. These separate balances and the related interest will be calculated in the same manner as described above.\nAccrual of Interest and How to Avoid Paying Interest on Purchases.\nOn Purchases, interest begins to accrue as of the transaction date. However, you can avoid paying interest on Purchases in any given billing cycle if you pay\nyour Statement Balance in full by the Payment Due Date each month. For Balance Transfers, interest will accrue from the transaction date which generally\nwill be the day we send the Balance Transfer to the payee. For Checks, interest will accrue from the transaction date which generally will be the day the\npayee accepts the Check. For Cash Advances, interest will accrue from the transaction date which generally will be the day you take the Cash Advance. If\nyou are charged interest in a billing cycle, we will charge a Minimum Interest Charge (or \xe2\x80\x9cMinimum Charge\xe2\x80\x9d) on your Account if the total interest charge in that\nbilling cycle is less than the amount of the Minimum Interest Charge that is disclosed in the Account Summary Table.\nIf you have a promotional APR offer(s) on your Account, you can avoid paying interest on non-promotional Purchases if you pay, by the Payment Due Date,\nthe amount that equals your Easy Pay Payment Amount(s) plus your Statement Balance, minus any promotional Balance Transfer balance or special\ncategory Purchase (such as an Easy Pay Balance) with a reduced APR, and minus any Deferred Financing Purchase during all but the last billing period of\nthe promotional period. If one or more of the balances on your Account is subject to one of these promotional APR offers, this will be more fully explained on\nyour monthly Statement.\n\nfile:///C:/Users/SampathP/AppData/Local/Microsoft/Windows/INetCache/Content.Outlook/78GSH1FU/Addendum_to_the_Standard_Credit_Agreement 2Q 2021.html\n\n2/2\n\n\x0c'


b'CREDIT LINE ACCOUNT AGREEMENT\nAND FEDERAL DISCLOSURE STATEMENT\nTHIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL\nTRUTH-IN-LENDING DISCLOSURE STATEMENTS, MY CHOICE VISA AND MY PREFERRED VISA\nAGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR MY CHOICE VISA\nAND MY PREFERRED VISA CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE.\nPLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY\nPARTS ARE UNCLEAR.\n\nP.O. Box 189\nNewburgh, IN 47629-0189\n(812) 253-MYCU (6928) (phone)\n(270) 830-8233 (phone)\n(812) 853-1749 (fax)\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\nMy Choice VISA:\n\n_______%.\n\nThis APR will vary with the market based on the Prime Rate.\nMy Choice Plus VISA:\n\n_______%.\n\nThis APR will vary with the market based on the Prime Rate.\nMy Choice Secured VISA:\n\n_______%.\n\nThis APR will vary with the market based on the Prime Rate.\nMy Choice Plus Secured VISA:\n\n_______%.\n\nThis APR will vary with the market based on the Prime Rate.\nMy Preferred VISA:\n\n_______%.\n\nThis APR will vary with the market based on the Prime Rate.\nMy Preferred Plus VISA:\n\n_______%.\n\nThis APR will vary with the market based on the Prime Rate.\nAnnual Percentage Rate\n(APR) For Balance\nTransfers\n\nMy Choice VISA: _______%.\nThis APR will vary with the market based on the Prime Rate.\nMy Choice Plus VISA: _______%.\nThis APR will vary with the market based on the Prime Rate.\nMy Choice Secured VISA: _______%.\nThis APR will vary with the market based on the Prime Rate.\nMy Choice Plus Secured VISA: _______%.\nThis APR will vary with the market based on the Prime Rate.\nMy Preferred VISA: _______%.\nThis APR will vary with the market based on the Prime Rate.\nMy Preferred Plus VISA: _______%.\nThis APR will vary with the market based on the Prime Rate.\n\nSEE PAGE 2 for more important information about Your Account\n\nCopyright Oak Tree Business Systems, Inc., 2013-2020. All Rights Reserved.\n\nPage 1 of 6\n\nOTBS 016YCC HFCU (2/20)\n\n\x0cInterest Rate and Interest Charges (continued)\nAnnual Percentage Rate\n(APR) For Cash Advances\n\nMy Choice VISA: _______%\nThis APR will vary with the market based on the Prime Rate.\nMy Choice Plus VISA: _______%\nThis APR will vary with the market based on the Prime Rate.\nMy Choice Secured VISA: _______%.\nThis APR will vary with the market based on the Prime Rate.\nMy Choice Plus Secured VISA: _______%.\nThis APR will vary with the market based on the Prime Rate.\nMy Preferred VISA: _______%\nThis APR will vary with the market based on the Prime Rate.\nMy Preferred Plus VISA: _______%\nThis APR will vary with the market based on the Prime Rate.\nConsumer Line of Credit: _______%\n\nPenalty APR And When\nit Applies\n\n18.00%\nThis APR may be applied to Your VISA Feature Category if:\n1) You make a late payment.\nHow Long Will The Penalty APR Apply? If Your APRs are increased for this reason, the\nPenalty APR applied to transactions that occur after the increase may be applied\nindefinitely. For transactions that occurred prior to the effective date of the increase, the\nincrease will apply indefinitely unless 6 consecutive payments are received on or before\nthe due date during the six-month period following such increase.\n\nPaying Interest\n\nFor VISA, We will not charge You interest on purchases if You pay Your entire balance owed\neach month within 25 days of Your statement closing date. For all Feature Categories, We will\nbegin charging interest on balance transfers and cash advances on the transaction date.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a Credit Card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nOverdraft Transfer\nCash Advance\nBalance Transfer\nForeign Transaction\n\n$5.00\nFor VISA, up to 2.00% of each advance ($10.00 minimum).\nFor VISA, up to 4.00% of each transfer ($10.00 minimum).\nFor VISA, 1.00% of each foreign currency transaction in U.S. dollars.\nFor VISA, 1.00% of each U.S. Dollar transaction that occurs in a foreign country.\n\nPenalty Fees\n\xef\x82\xb7 Late Payment\n\xef\x82\xb7 Returned Payment\n\nFor VISA, up to $25.00.\nFor Consumer Line of Credit, 5.00% of the payment ($13.00 maximum).\nFor VISA, up to $30.00.\nFor Consumer Line of Credit, $30.00.\n\nHow We Will Calculate Your Balance: For VISA, We use a method called "average daily balance (including new purchases)"\nFor Consumer Line of Credit, We use a method called "daily balance." See Your Account Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\nSEE PAGE 1 for more important information about Your Account\nCopyright Oak Tree Business Systems, Inc., 2013-2020. All Rights Reserved.\n\nPage 2 of 6\n\nOTBS 016YCC HFCU (2/20)\n\n\x0cIn this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean HERITAGE FEDERAL CREDIT UNION. The words "You" and "Your" mean each\nperson accepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any My Choice VISA, My\nChoice Plus VISA, My Choice Secured VISA, My Choice Plus Secured VISA, My Preferred VISA or My Preferred Plus VISA Credit Card issued to You by Us and\nany duplicates or renewals. "Convenience Checks" mean the special Account access devices that We may provide for Your use from time to time.\nYou, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found\nherein constitute Our Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to)\ntelephonic requests, advance request forms, vouchers, checks, charge slips, Convenience Checks, debit cards, ATM cards, Credit Cards, wire transfers, direct\ntransfers and/or wire transfers to specific payees identified by You, direct transfers to Your share/share draft or other Credit Union account and the like. Regardless\nof the means by which any advance is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account,\nwith actual, apparent or implied authority for use of Your Account, including Finance Charges and other fees or charges described herein.\nFEATURE CATEGORIES. Your Account has Feature Categories which may include Consumer Line of Credit (including Overdraft Protection), My Choice VISA, My\nChoice Plus VISA, My Choice Secured VISA, My Choice Plus Secured VISA, My Preferred VISA and My Preferred Plus VISA.\n\nFeature Category\n\nVariable Rate\nIndex\n\nDaily Periodic\nRate\n\nMargin\n\nAnnual Percentage\nRate\n\nMy Choice VISA\n\n________\n\n________\n\n______________%\n\n______________%\n\nMy Choice Plus VISA\n\n________\n\n________\n\n______________%\n\n______________%\n\nMy Choice Secured VISA\n\n________\n\n________\n\n______________%\n\n______________%\n\nMy Choice Secured Plus VISA\n\n________\n\n________\n\n______________%\n\n______________%\n\nMy Preferred VISA\n\n________\n\n________\n\n______________%\n\n______________%\n\nMy Preferred Plus VISA\n\n________\n\n________\n\n______________%\n\n______________%\n\n______________%\n\n______________%\n\nConsumer Line of Credit\n\nADVANCES. Whenever You request a transaction, We may require You to\nprove Your identity. Advances made on Your Account will be processed\naccording to the instructions You give Us (such as by wire transfer, direct transfer\nto Your Credit Union account or by other such means) and You authorize Us to\ndo this, or We may draw a draft or check made payable to You and mail it to\nYou. When the amount advanced appears on a subsequent statement, that will\nbe conclusive evidence of Your advance request unless You notify Us that You\ndisagree with any such item appearing on Your periodic statement according to\nthe provision of this Agreement titled "Your Billing Rights: Keep this Document\nfor Future Use."\nSECURITY. As permitted by law, to secure all transactions under this Agreement\nin either joint or individual Accounts, We have the right to impress and enforce a\nstatutory lien against Your shares on deposit with Us (other than those deposits\nestablished under a governmental approved tax deferral plan such as an IRA or\nKeogh account), and any dividends due or to become due to You from Us to the\nextent that You owe on any unpaid balance on Your Account and We may\nenforce Our right to do so without further notice to You. Additionally, You agree\nthat We may set-off any mutual indebtedness.\nOTHER SECURITY. Collateral (other than household goods or any dwelling)\ngiven as security for any other loan You may have with Us will secure\nall amounts You owe Us now and in the future if that status is reflected in\nthe "Truth-in-Lending Disclosure" in any particular Agreement evidencing\nsuch debt.\nCONSENSUAL LIEN ON SHARES. If You have been issued a Credit Card,\nATM card or debit card, You grant and consent to a lien on Your shares\nwith Us (except for IRA and Keogh accounts) and any dividends due or\nto become due to You from Us to the extent You owe on any unpaid\nCredit Card balance and/or unpaid Consumer Line of Credit Balance\ncreated through the use of Your ATM card or debit card.\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for\neach Feature Category for which You are approved. Unless You are in default,\nany Credit Limits established for You will generally be self-replenishing as You\nmake payments.\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You\nwill pay any amount over Your Credit Limit on Our demand whether or not We\nauthorize the advances which caused You to exceed Your Credit Limit. Even if\nYour unpaid balance is less than Your Credit Limit, You will have no credit\navailable during any time that any aspect of Your Account is in default.\nCopyright Oak Tree Business Systems, Inc., 2013-2020. All Rights Reserved.\n\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for\nthe repayment of any amounts owed. If any Account access device, such as a\nPersonal Identification Number (PIN) is requested and approved, You\nunderstand that any such Account access device(s) will be mailed only to the\nprimary Borrower at the address that We have on file for You. We may refuse to\nfollow any instructions which run counter to this provision.\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You\nneed only pay the Minimum Monthly Payments, You understand that You\nhave the right to repay at any time without penalty. You also understand that\nYou will only be charged periodic Finance Charges to the date You repay\nYour entire balance. You may make larger payments without penalty. Any\npartial payment or prepayment will not delay Your next scheduled payment.\nAll payments to Us must be in lawful money of the United States. We may\napply each payment to whichever Feature Category We wish. For all Feature\nCategories (except VISA), payments will be applied first to any Late Charges\nowing, then to the Finance Charge due, then to the outstanding principal\nbalance. To the extent permitted by law, We may apply VISA payments in\nan order of Our choosing. Any unpaid portion of the Finance Charge will be\npaid by subsequent payments and will not be added to Your principal\nbalance. You understand that any delay in the repayment of Your unpaid\nbalance will increase Your periodic Finance Charges and any acceleration\nin the repayment of Your unpaid balance will decrease Your periodic\nFinance Charges.\nConsumer Line of Credit Minimum Monthly Payments will be established at the\nclose of each billing cycle at an amount equal to 3.00% of Your then outstanding\nprincipal balance, subject to the lesser of $15.00 or Your balance, plus any\nportion of the Minimum Payments shown on prior statement(s) which remains\nunpaid, plus any amount that exceeds Your approved Credit Limit.\nMy Choice VISA, My Choice Plus VISA, My Choice Secured VISA, My Choice\nPlus Secured VISA, My Preferred VISA and My Preferred Plus VISA Minimum\nPayments will be an amount equal to 3.00% of Your new unpaid balance at the\nend of each billing cycle, subject to the lesser of $25.00 or Your balance, plus\nany portion of the Minimum Payments shown on prior statement(s) which\nremains unpaid, plus any amount that exceeds Your approved Credit Limit.\nIf You make a payment by 5:00 p.m. central time, We will consider that day to\nbe the day of Your payment. However, if You make a payment after 5:00 p.m.\ncentral time, We will consider that the payment was made on the next day.\nYou may, by separate agreement, authorize Us to charge Your payment directly\nto Your share or share draft account.\n\nPage 3 of 6\n\nOTBS 016YCC HFCU (2/20)\n\n\x0cLATE CHARGE (EXCEPT VISA). If Your payment is more than 10 days late,\nYou will be charged the lesser of $13.00 or 5.00% of the payment due.\nOTHER FEES AND CHARGES (EXCEPT VISA). You will be charged the\nfollowing fees associated with the use of Your Account: (a) $30.00 for any check\n(or other negotiable instrument used for payment) which is returned unpaid; and\n(b) an overdraft transfer fee FINANCE CHARGE of $5.00 for each such advance.\nFINANCE CHARGES (EXCEPT VISA). A Finance Charge will be assessed on\nany unpaid principal balance for each Feature Category of Your Account for the\nperiod such balance is outstanding. Balances change each time advances are\nmade, payments are made or credits given under any Feature Category. The\nFinance Charge begins to accrue on the date of each advance and there is no\ngrace period.\nHOW TO DETERMINE THE FINANCE CHARGE (EXCEPT VISA). For all\nFeature Categories (except VISA), the Finance Charge is determined by\nmultiplying Your unpaid balance at the close of each day in the billing cycle\nbeing accounted for by the applicable Daily Periodic Rate. The unpaid balance\nis the balance each day after payments, credits, and unpaid Finance Charges to\nthat balance have been subtracted and any new advances or other charges have\nbeen added to Your unpaid balance. These daily Finance Charges are then\nadded together and the sum is the amount of the Finance Charge owed for the\nFeature Category being accounted for. The total Finance Charge You owe on\nYour Account for each billing cycle is the sum of all the Finance Charges due for\nall applicable Feature Categories.\nVISA FINANCE CHARGES. In the case of any transactions under Your My\nChoice VISA or My Preferred VISA Feature Categories, the balances subject\nto the periodic Finance Charge are the average daily transactions balances\noutstanding during the month (including new transactions). To get the average\ndaily balance, We take the beginning balance each day, add any new\npurchases, balance transfers, cash advances, debit adjustments or other\ncharges and subtract any payments, credits and unpaid Finance Charges.\nThis gives Us the daily balance. Then, We add up all the daily balances for the\nbilling cycle and divide them by the number of days in the billing cycle. The\nFinance Charge for a billing cycle is computed by multiplying the average daily\nbalance subject to a Finance Charge by the Daily Periodic Rate times the\nnumber of days in the billing cycle.\nYou can avoid Finance Charges on purchases by paying the full amount of the\nentire balance owed each month within 25 days of Your statement closing date.\nOtherwise, the new balance of purchases, and subsequent purchases from the\ndate they are posted to Your Account, will be subject to a Finance Charge. Cash\nadvances and balance transfers are always subject to a Finance Charge from\nthe later of the date they are posted to Your Account or from the first day of the\nbilling cycle in which the transaction is posted to Your Account.\nVISA VARIABLE RATE. Advances are subject to a Variable Rate which is\nbased on the highest Prime Rate as published in the Money Rates Section of\nThe Wall Street Journal in effect on the last day of each calendar month\n("Index") plus Our ("Margin"). The Index plus the Margin equals the Interest\nRate. Changes in the Index will cause changes in the Interest Rate on the 1st\nday of the billing cycle that immediately follows any such change in the Index.\nIncreases or decreases in the Interest Rate will result in like increases or\ndecreases in the Finance Charge and may affect the number of Your\nscheduled payments. Your Interest Rate will never be greater than 18.00%\nand will apply to the remaining principal balance. If the Index becomes\nunavailable, We may select another Index and Margin which would result in a\nsubstantially similar Interest Rate.\nVISA PENALTY RATE. If Your VISA Feature Category is more than 60 days past\ndue, subject to applicable law, the Daily Periodic Rate applicable to Your entire\nbalance of transactions existing at that time will become fixed and increase to\n0.049315% (corresponding ANNUAL PERCENTAGE RATE 18.00%). During the\nsix month period following such an increase, if We receive the first six consecutive\nrequired minimum periodic payments when due, the rate applicable to the balance\nof transactions that occurred prior to such increase will be returned to the standard\nrate that would have otherwise been in effect.\nOVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or\nin such increments as We may from time to time determine) to Your share draft\naccount by an advance on Your Account, subject to this provision, to clear any\noverdraft on Your share draft account. Whether or not such transfers occur will\nbe controlled by this Agreement. In any event, You hold Us harmless for any and\nall liability which might otherwise arise if the transfer does not occur. Overdraft\nprotection automatically ceases if this Agreement is ever cancelled or terminated\nor Your Account is in default.\n\nCopyright Oak Tree Business Systems, Inc., 2013-2020. All Rights Reserved.\n\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement\nshowing all transactions on Your Account including amounts paid and borrowed\nsince Your last statement. We will mail You a statement each month in which\nthere is a debit or credit balance or when a Finance Charge is imposed. We need\nnot send You a statement if We feel Your Account is uncollectible or if We have\nstarted collection proceedings against You because You defaulted. EACH\nSTATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT\nUNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE\nFEDERAL TRUTH-IN-LENDING ACT.\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are\nunder no obligation to honor Your Convenience Checks if: (1) by paying a\nConvenience Check, You would exceed Your Credit Limit; (2) Your Cards or\nConvenience Checks have been reported lost or stolen; (3) Your Account has\nbeen cancelled or has expired. If a postdated Convenience Check is paid and,\nas a result, any other Convenience Check is returned unpaid, We are not\nresponsible for any resulting loss or liability.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform\nany obligation under this Agreement, or any other agreement that You may have\nwith Us; or (b) You should die, become involved in any insolvency, receivership\nor custodial proceeding brought by or against You; or (c) You have made a false\nor misleading statement in Your credit application and/or in Your representations\nto Us while You owe money on Your Account; or (d) A judgment or tax lien should\nbe filed against You or any attachment or garnishment should be issued against\nany of Your property or rights, specifically including anyone starting an action or\nproceeding to seize any of Your funds on deposit with Us; and/or (e) We should,\nin good faith, believe Your ability to repay Your indebtedness hereunder is or\nsoon will be impaired, time being of the very essence.\nUpon any occurrence of default, We may, to the extent permitted by law, cancel\nYour rights under this Agreement, require the return of all access devices and\ndeclare the entire balance of every Feature Category of Your Account\nimmediately due and payable, without prior notice or demand.\nCOLLECTION COSTS. In the event collection efforts are required to obtain\npayment on this Account, to the extent permitted by law, You agree to pay\nall court costs, private process server fees, investigation fees or other\ncosts incurred in collection and reasonable attorneys\' fees incurred in the course\nof collecting any amounts owed under this Agreement or in the recovery of\nany Collateral.\nENFORCEMENT. We do not lose Our rights under this or any related agreement\nif We delay enforcing them. We can accept late payments, partial payments or\nany other payments, even if they are marked "paid in full" without losing any of\nOur rights under this Agreement. If any provision of this or any related agreement\nis determined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You\nmove or otherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing\nor delivering to You written notice of the changes as prescribed by the Federal\nTruth-In-Lending Act. To the extent permitted by law, the right to change the\nterms of this Agreement includes, but is not limited to, the right to change the\nperiodic rate applicable to Your unpaid balance and/or future advances.\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional\nDisclosure - Federal Truth-In-Lending Act," which is delivered together with\nthis Agreement or at a later date becomes an integrated part of this Agreement\nAnd Disclosure.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this\nAgreement. By signing the application; or by using Your Account or any Account\naccess device; or by authorizing another to use Your Account, You agree to and\naccept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide\nfacts to update information contained in Your original Account application or\nother financial information related to You, at Our request. You also agree that\nWe may, from time to time, as We deem necessary, make inquiries pertaining\nto Your employment, credit standing and financial responsibility in accordance\nwith applicable laws and regulations. You further agree that We may give\ninformation about the status and payment history of Your Account to consumer\ncredit reporting agencies, a prospective employer or insurer, or a state or\nfederal licensing agency having any apparent legitimate business need for\nsuch information.\n\nPage 4 of 6\n\nOTBS 016YCC HFCU (2/20)\n\n\x0cTERMINATION. Either You or We may cancel Your Account or any particular\nFeature Category of Your Account, at any time, whether or not You are in default.\nYou will, in any case, remain liable to pay any unpaid balances according to the\nterms of Your Account.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of\nthe State of Indiana, except to the extent that such laws are inconsistent with\ncontrolling federal law.\nSPECIFIC TERMS APPLICABLE TO YOUR\nMY CHOICE VISA, MY CHOICE PLUS VISA, MY CHOICE SECURED\nVISA, MY CHOICE PLUS SECURED VISA, MY PREFERRED VISA\nAND MY PREFERRED PLUS VISA CREDIT CARDS\nUSE OF YOUR CARD. You may use Your Card to buy goods and services\nin any place that it is honored and to get cash advances at participating\nfinancial institutions. You agree not to use Your Card for illegal transactions\nincluding, but not limited to, advances made for the purpose of gambling\nand/or wagering where such practices are in violation of applicable state\nand/or federal law.\n\nbalance transfer fee FINANCE CHARGE in an amount equal to the greater of\n4.00% of each such balance transfer or $10.00.\nLOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit\nCards or Convenience Checks, You will immediately call Us during regular\nbusiness hours at the telephone number shown in this Agreement, and after\nhours, on weekends and holidays at (855) 887-3938. You may also report lost\nor stolen Credit Cards or Convenience Checks by writing to Us at the address\nshown in this Agreement.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a slip which will be posted to Your\nAccount. If Your credits and payments exceed what You owe Us, We will hold\nand apply this credit against future purchases and cash advances, or if it is $1.00\nor more refund it on Your written request or automatically deposit it to Your Share\nAccount after six months.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the\nFair Credit Billing Act.\n\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at\nany time without notice. You agree to surrender Your Card and to discontinue its\nuse immediately upon Our request.\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon\nYour request, a Personal Identification Number (PIN) for use with participating\nAutomated Teller Machines (ATMs). This PIN is confidential and should not be\ndisclosed to anyone. You may use Your PIN to access Your Account and all sums\nadvanced will be added to Your Account balance. In the event a use of Your PIN\nconstitutes an Electronic Fund Transfer, the terms and conditions of Your\nElectronic Fund Transfer Agreement may also affect Your rights.\n\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at Our address shown\nin this Agreement. In Your letter, give Us the following information:\n\xef\x82\x97\n\xef\x82\x97\n\xef\x82\x97\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If You think there is an error on Your bill,\ndescribe what You believe is wrong and why You believe it is a mistake.\n\nYou must contact Us:\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or\nother slips You may sign or receive when using Your Card contain terms, this\nAgreement is the contract which solely applies to all transactions involving\nthe Card.\n\n\xef\x82\x97\n\xef\x82\x97\n\nWithin 60 days after the error appeared on Your statement.\nAt least three business days before an automated payment is scheduled, if\nYou want to stop payment on the amount You think is wrong.\n\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.\nYou will not be liable for the unauthorized use that occurs after You notify Us of the\nloss, theft, or possible unauthorized use by calling Us during regular business\nhours at the telephone number shown in this Agreement, and after hours, on\nweekends and holidays at (855)887-3938. You may also notify Us of the loss, theft,\nor possible unauthorized use by writing to Us at the address shown in this\nAgreement. In any case, Your liability will not exceed $50.00.\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You\ndo We are not required to investigate any potential errors and You may have to\npay the amount in question.\n\nREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not\nliable for the refusal or inability of merchants, financial institutions and others to\naccept the Cards or Convenience Checks, or electronic terminals to honor the\nCards or complete a Card withdrawal, or for their retention of the Cards or\nConvenience Checks.\n\n1)\n\nFOREIGN TRANSACTIONS. For transactions initiated in foreign countries and\nforeign currencies, the exchange rate between the transaction currency and the\nbilling currency (U.S. dollars) will be: (a) a rate selected by VISA from the range\nof rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate VISA itself receives; or (b)\nthe government-mandated rate in effect for the applicable central processing\ndate. For transactions that are initiated in a foreign currency, You will be charged\n1.00% of the final settlement amount. For transactions occurring in foreign\ncountries and initiated in U.S. Dollars, You will be charged 1.00% of the final\nsettlement amount.\n\nWhile We investigate whether or not there has been an error:\n\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n\n2)\n\n\xef\x82\x97\n\xef\x82\x97\n\xef\x82\x97\n\xef\x82\x97\n\nWe cannot try to collect the amount in question, or report You as\ndelinquent on that amount.\nThe charge in question may remain on Your statement, and We may\ncontinue to charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are\nresponsible for the remainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\n\nAfter We finish Our investigation, one of two things will happen:\nTRANSACTION SLIPS. Your monthly statement will identify that merchant,\nelectronic terminal or financial institution at which transactions were made, but\nsales, cash advances, credit or other slips cannot be returned with the statement.\n\n\xef\x82\x97\n\xef\x82\x97\n\nLATE CHARGE. If Your payment is one or more days late, You will be charged\nthe lesser of: (a) $25.00; or (b) the amount of the minimum payment due.\nOTHER FEES AND CHARGES. You will be charged the following fees\nassociated with the use of Your Card: (a) the lesser of $30.00 or the required\nminimum payment amount for the returned payment for any check (or other\nnegotiable instrument used for payment) which is returned unpaid; (b) a cash\nadvance fee FINANCE CHARGE in an amount equal to the greater of 2.00% of\neach such advance or $10.00 \xe2\x80\x93 waived when obtained inside one of Our branch\nlocations; (c) an overdraft transfer fee FINANCE CHARGE of $5.00 for each\nsuch advance; (d) $15.00 for each copy of a receipt that You request; and (e) a\n\nCopyright Oak Tree Business Systems, Inc., 2013-2020. All Rights Reserved.\n\nWithin 30 days of receiving Your letter, We must tell You that We\nreceived Your letter. We will also tell You if We have already corrected\nthe error.\nWithin 90 days of receiving Your letter, We must either correct the error\nor explain to You why We believe the bill is correct.\n\nIf We made a mistake: You will not have to pay the amount in question\nor any interest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and fees. We will\nsend You a statement of the amount You owe and the date payment is\ndue. We may then report You as delinquent if You do not pay the\namount We think You owe.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must\nwrite to Us within 10 days telling Us that You still refuse to pay. If You do so,\nWe cannot report You as delinquent without also reporting that You are\nquestioning Your bill. We must tell You the name of anyone to whom We\nreported You as delinquent, and We must let those organizations know when\nthe matter has been settled between Us. If We do not follow all of the rules\n\nPage 5 of 6\n\nOTBS 016YCC HFCU (2/20)\n\n\x0cabove, You do not have to pay the first $50.00 of the amount You question\neven if Your bill is correct.\n2)\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased\nwith Your Credit Card, and You have tried in good faith to correct\nthe problem with the merchant, You may have the right not to pay the\nremaining amount due on the purchase. To use this right, all of the following\nmust be true:\n1)\n\nThe purchase must have been made in Your home state or within 100\nmiles of Your current mailing address, and the purchase price must\nhave been more than $50.00. (Note: Neither of these are necessary if\n\nCopyright Oak Tree Business Systems, Inc., 2013-2020. All Rights Reserved.\n\n3)\n\nYour purchase was based on an advertisement We mailed to You, or if\nWe own the company that sold You the goods or services.)\nYou must have used Your Credit Card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that accesses\nYour Credit Card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at Our address shown in this Agreement.\nWhile We investigate, the same rules apply to the disputed amount as discussed\nabove. After We finish Our investigation, We will tell You Our decision. At that\npoint, if We think You owe an amount and You do not pay, We may report You\nas delinquent.\n\nPage 6 of 6\n\nOTBS 016YCC HFCU (2/20)\n\n\x0c'