b'VISA PLATINUM\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit\nUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers\nthis Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\nmonths and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe Credit Union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the Credit Union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers and money orders. This paragraph shall not\nbe interpreted as permitting or authorizing any transaction that is illegal.\n\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\n04219004-MXC50-C-1-032816 (MXC503 CCM004)-e\n\n\x0c3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of\npurchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the\nbilling cycle in which the cash advance is posted to your account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of\npurchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash\nadvances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes\non your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or\nU.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account. The fee may be\ncharged each year until your account is closed and/or paid in full.\nb. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the\nfee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer a\nbalance from an account of another creditor to the account subject to this Agreement.\nc. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee\nwill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial\ninstitution.\nd. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance\ncharge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.\n04219004-MXC50-C-1-032816 (MXC503 CCM004)-e\n\n\x0ce. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\nf. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned for any reason.\ng. Returned Convenience Check Fee. If your account is subject to a Returned Convenience Check Fee, the fee will be\ncharged to your account when a convenience check is returned for any reason.\nh. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and\nwhen the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your\naccount for each copy of a sales draft or statement that you request.\ni. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your\naccount for each rush card that you request, providing delivery of the card is also available by standard mail service,\nwithout paying a fee for delivery.\nj. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each\nreplacement card that is issued to you for any reason.\nk. Pay-by-Phone Fee. If your account is subject to the Pay-by-Phone Fee, a fee will be charged for each time you make\na payment by telephone as disclosed on the Disclosure accompanying this Agreement.\nl. Account Research Fee. If your account is subject to the Account Research Fee, a fee will be charged to your\naccount as disclosed on the Disclosure accompanying this Agreement.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). The minimum payment is 2.50% of your total new\nbalance, or $18.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all\noutstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on the\nstatement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your\ncredit limit. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in\nyour available credit limit on the date they are received. The Credit Union may delay replenishing your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date\nthat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the\nperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe.\n\n04219004-MXC50-C-1-032816 (MXC503 CCM004)-e\n\n\x0c12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at 1810 N. Major Drive, Beaumont, TX 7713 or telephone (800) 892-1111 seven days a\nweek, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized\nuse of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or\npossible unauthorized use. You will have no liability for unauthorized transactions made with your credit card, unless you\nare grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advances, credit or other slips you sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate\naddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n04219004-MXC50-C-1-032816 (MXC503 CCM004)-e\n\n\x0c24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of gambling\ntransaction.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n28. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\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 the address listed on your statement.\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\n- Date: The date the suspected error appears on your statement.\n- Transaction Type: The type of transaction the suspected error appears as. (e.g. purchase, balance transfer or cash\nadvance).\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question. You may not submit your notification of\na billing error on any billing statement or payment device.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report you as delinquent on that amount.\n- The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, you will receive written notification from us as to the results of the investigation and an\nexplanation of the result. One of two things will happen:\n- If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\n04219004-MXC50-C-1-032816 (MXC503 CCM004)-e\n\n\x0cIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at\nthe address listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n\n04219004-MXC50-C-1-032816 (MXC503 CCM004)-e\n\n\x0c'


b'Northeast Credit Union\n\nRewards Visa Disclosure - Federal Truth in Lending Act\nDetails of Rate, Fee, and Other Cost Information\n\nAs required by law, rates, fees and other costs of this credit card are disclosed here. All account terms are governed by the VISA Cardholder Agreement\nsent with the card. Use of the card constitutes acceptance of the terms of the Account and Agreement. Account and Agreement terms are not guaranteed\nfor any period of time; all terms may change in accordance with the Agreement and applicable law.\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate (APR) for Purchases\n\n11.99% APR\n\nThis APR will vary based on the Prime Rate.\n\nAPR for Balance Transfer\n\n11.99% APR\nThis APR will vary based on the Prime Rate.\n\nAPR for Cash Advance\n\n11.99% APR\nThis APR will vary based on the Prime Rate.\n\nMinimum Payment\n\n2% of your balance with a minimum payment of $20 or outstanding\nbalance, whichever is less.\n\nHow to Avoid Paying Interest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you interest on purchases if you pay your entire\nbalance by the due date each month.\n\nFor Credit Card Tips From the Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when\napplying for or using a credit card, visit the website\nat http://www.consumerfinance.gov/learnmore.\n\nHow We Calculate Your Balance\n\nPurchases: We use a method called \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d\n(including new purchases).\nCash Advances: We use the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d with interest\ncharged from the day of the cash advance.\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\xe2\x80\xa2 Transaction Fees for Purchases\n\nNone\nNone\n1% of each transaction in U.S. dollars\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment (For all states except Maine)\n(Late fee is based on balance owed, but will not exceed the \t\t\namount of payment past due)\n\xe2\x80\xa2\n\nLate Payment (Maine Residents*)\n(Late fee is based on balance owed, but will not exceed the \t\t\namount of payment past due)\n\nLess than $10 = $0\n$10.00 - $5,000 = $10\n$5,000.01 - $10,000.01 = $20\n$10,000.01+ = $25\nBalance less than $10 = $0\nBalance $10 or more = $10 or 5% of the past due amount,\nwhichever is greater, not to exceed $25 and not to exceed the\namount of the payment past due.\n\n\x0cBILLING RIGHTS\nInformation on your rights to dispute transactions and how to exercise those rights is provided in your Account\nAgreement.\nREWARDS VISA STANDARD DAILY PERIODIC RATE IS 0.032849\nRate is in effect March 18, 2020 and is subject to change.\nVARIABLE RATE INFORMATION\nVariable rate based on Wall Street Journal Prime Rate + margin of 8.74%; rate can change at the end of the\ncalendar quarter. If the Prime Rate increases, variable APR\xe2\x80\x99s will increase. In that case, you may pay more interest\nand have a higher Minimum Payment Due.\nDEFAULT STATUS AND REWARDS\nIf your credit card account is cancelled or closed for any reason, the related UChoose\xc2\xae Reward Points will be\nforfeited on the date of cancellation or closure. If your credit card account is closed, becomes delinquent or\nin default, you will not continue to earn Reward Points and the Reward Points associated with your credit card\naccount will not be available for redemption. Both posted and pending Reward Points may also be forfeited\ndepending upon your credit card account status.\nHOW YOUR UCHOOSE\xc2\xae REWARDS PROGRAM WORKS\nYou will receive one point for each dollar of qualifying purchases, net of returns (net purchases) that you charge\nto this card. Qualifying purchases do not include cash advances.1 No points are awarded for finance charges,\nfees, foreign currency conversion charges or insurance charges to your account. Points will not be earned on any\npurchases deemed fraudulent. Unused points will expire if not used within 60 months.\nHOW YOUR PAYMENTS ARE APPLIED\nPayments will be applied in the following order, first to any LATE CHARGES owing, then to the FINANCE CHARGE\ndue, then to the outstanding principal balance (highest interest rate to the lowest interest rate).\nEXPLANATION OF PENALTY FEES\nLate Payment Fee: (All states except Maine) Any payment received more than 5 days after the due date shown on\nthe most recent statement will be charged a Late Payment Fee.\nState of Maine*: Payment received more than 15 days after the due date shown on the most recent statement will\nbe charged a late payment fee.\nOTHER FEES (if not paid in cash, they will be charged to your savings account)\nRefer to Schedule of Fees.\n\nCash advances also include convenience checks, ATM advances for overdraft protection, advances\nthrough automated phone banking, online banking or PIN-based purchase transactions.\n*\nIn accordance with Maine state law. LE4287.03.20\n1\n\n3872016\n\n\x0c'


b'Northeast Credit Union\n\nPlatinum Visa Disclosure - Federal Truth in Lending Act\nDetails of Rate, Fee, and Other Cost Information\n\nAs required by law, rates, fees and other costs of this credit card are disclosed here. All account terms are governed by the VISA Cardholder Agreement\nsent with the card. Use of the card constitutes acceptance of the terms of the Account and Agreement. Account and Agreement terms are not guaranteed\nfor any period of time; all terms may change in accordance with the Agreement and applicable law.\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate (APR) for Purchases\n\n10.99% APR\n\nThis APR will vary based on the Prime Rate.\n\nAPR for Balance Transfer\n\n10.99% APR\nThis APR will vary based on the Prime Rate.\n\nAPR for Cash Advance\n\n10.99% APR\nThis APR will vary based on the Prime Rate.\n\nMinimum Payment\n\n2% of your balance with a minimum payment of $20 or outstanding\nbalance, whichever is less.\n\nHow to Avoid Paying Interest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you interest on purchases if you pay your entire\nbalance by the due date each month.\n\nFor Credit Card Tips From the Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when\napplying for or using a credit card, visit the website\nat http://www.consumerfinance.gov/learnmore.\n\nHow We Calculate Your Balance\n\nPurchases: We use a method called \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d\n(including new purchases).\nCash Advances: We use the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d with interest\ncharged from the day of the cash advance.\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\xe2\x80\xa2 Transaction Fees for Purchases\n\nNone\nNone\n1% of each transaction in U.S. dollars\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment (For all states except Maine)\n(Late fee is based on balance owed, but will not exceed the \t\t\namount of payment past due)\n\xe2\x80\xa2\n\nLate Payment (Maine Residents*)\n(Late fee is based on balance owed, but will not exceed the \t\t\namount of payment past due)\n\nLess than $10 = $0\n$10.00 - $5,000 = $10\n$5,000.01 - $10,000.01 = $20\n$10,000.01+ = $25\nBalance less than $10 = $0\nBalance $10 or more = $10 or 5% of the past due amount,\nwhichever is greater, not to exceed $25 and not to exceed the\namount of the payment past due.\n\n\x0cBILLING RIGHTS\nInformation on your rights to dispute transactions and how to exercise those rights is provided in your Account\nAgreement.\nTHE PLATINUM VISA STANDARD DAILY PERIODIC RATE IS 0.030110\nRate is in effect March 18, 2020 and is subject to change.\nVARIABLE RATE INFORMATION\nVariable rate based on Wall Street Journal Prime Rate + margin of 7.74%; rate can change at the end of the\ncalendar quarter. If the Prime Rate increases, variable APR\xe2\x80\x99s will increase. In that case, you may pay more interest\nand have a higher Minimum Payment Due.\nDEFAULT STATUS AND REWARDS\nIf your credit card account is cancelled or closed for any reason, the related UChoose\xc2\xae Reward Points will be\nforfeited on the date of cancellation or closure. If your credit card account is closed, becomes delinquent or\nin default, you will not continue to earn Reward Points and the Reward Points associated with your credit card\naccount will not be available for redemption. Both posted and pending Reward Points may also be forfeited\ndepending upon your credit card account status.\nHOW YOUR UCHOOSE\xc2\xae REWARDS PROGRAM WORKS\nYou will receive one point for each dollar of qualifying purchases, net of returns (net purchases) that you charge\nto this card. Qualifying purchases do not include cash advances.1 No points are awarded for finance charges,\nfees, foreign currency conversion charges or insurance charges to your account. Points will not be earned on\ntransactions deemed fraudulent. Unused points will expire if not used within 60 months.\nHOW YOUR PAYMENTS ARE APPLIED\nPayments will be applied in the following order, first to any LATE CHARGES owing, then to the FINANCE CHARGE\ndue, then to the outstanding principal balance (highest interest rate to the lowest interest rate).\nEXPLANATION OF PENALTY FEES\nLate Payment Fee: (All states except Maine) Any payment received more than 5 days after the due date shown on\nthe most recent statement will be charged a Late Payment Fee.\nState of Maine*: Payment received more than 15 days after the due date shown on the most recent statement will\nbe charged a late payment fee.\nOTHER FEES (if not paid in cash, they will be charged to your savings account)\nRefer to Schedule of Fees.\n\nCash advances also include convenience checks, ATM advances for overdraft protection, advances\nthrough automated phone banking, online banking or PIN-based purchase transactions.\n*\nIn accordance with Maine state law. LE4287.03.20\n1\n\n3872053\n\n\x0c'


b'Northeast Credit Union\n\nPreferred Visa Disclosure - Federal Truth in Lending Act\nDetails of Rate, Fee, and Other Cost Information\n\nAs required by law, rates, fees and other costs of this credit card are disclosed here. All account terms are governed by the VISA Cardholder Agreement\nsent with the card. Use of the card constitutes acceptance of the terms of the Account and Agreement. Account and Agreement terms are not guaranteed\nfor any period of time; all terms may change in accordance with the Agreement and applicable law.\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate (APR) for Purchases\n\n8.99% APR\n\nThis APR will vary based on the Prime Rate.\n\nAPR for Balance Transfer\n\n8.99% APR\nThis APR will vary based on the Prime Rate.\n\nAPR for Cash Advance\n\n8.99% APR\nThis APR will vary based on the Prime Rate.\n\nMinimum Payment\n\n2% of your balance with a minimum payment of $20 or outstanding\nbalance, whichever is less.\n\nHow to Avoid Paying Interest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you interest on purchases if you pay your entire\nbalance by the due date each month.\n\nFor Credit Card Tips From the Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when\napplying for or using a credit card, visit the website\nat http://www.consumerfinance.gov/learnmore.\n\nHow We Calculate Your Balance\n\nPurchases: We use a method called \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d\n(including new purchases).\nCash Advances: We use the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d with interest\ncharged from the day of the cash advance.\n\nFEES\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\xe2\x80\xa2 Transaction Fees for Purchases\n\nNone\nNone\n1% of each transaction in U.S. dollars\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment (For all states except Maine)\n(Late fee is based on balance owed, but will not exceed the \t\t\namount of payment past due)\n\xe2\x80\xa2\n\nLate Payment (Maine Residents*)\n(Late fee is based on balance owed, but will not exceed the \t\t\namount of payment past due)\n\nLess than $10 = $0\n$10.00 - $5,000 = $10\n$5,000.01 - $10,000.01 = $20\n$10,000.01+ = $25\nBalance less than $10 = $0\nBalance $10 or more = $10 or 5% of the past due amount,\nwhichever is greater, not to exceed $25 and not to exceed the\namount of the payment past due.\n\n\x0cBILLING RIGHTS\nInformation on your rights to dispute transactions and how to exercise those rights is provided in your Account\nAgreement.\nPREFERRED VISA STANDARD DAILY PERIODIC RATE IS 0.024630\nRate is in effect March 18, 2020 and is subject to change.\nVARIABLE RATE INFORMATION\nVariable rate based on Wall Street Journal Prime Rate + margin of 5.74%; rate can change at the end of the\ncalendar quarter. If the Prime Rate increases, variable APR\xe2\x80\x99s will increase. In that case, you may pay more interest\nand have a higher Minimum Payment Due.\nHOW YOUR PAYMENTS ARE APPLIED\nPayments will be applied in the following order, first to any LATE CHARGES owing, then to the FINANCE CHARGE\ndue, then to the outstanding principal balance (highest interest rate to the lowest interest rate).\nEXPLANATION OF PENALTY FEES\nLate Payment Fee: (All states except Maine) Any payment received more than 5 days after the due date shown on\nthe most recent statement will be charged a Late Payment Fee.\nState of Maine*: Payment received more than 15 days after the due date shown on the most recent statement will\nbe charged a late payment fee.\nOTHER FEES (if not paid in cash, they will be charged to your savings account)\nRefer to Schedule of Fees.\n\n*\n\nIn accordance with Maine state law. LE4287.03.20\n\n3872056\n\n\x0c'


b'SAVINGS RATES\nMin.\nTo Open\n\nRate\n\nAPY*\n\nSilver Lining\nSavings\n$0 Up To $500\n$500+\n\n1.50%\n0.10%\n\n1.51%\n0.10%\n\n$\n\nMyFunds\n$0 Up To $500\n$500+\n\n1.50%\n0.10%\n\n1.51%\n0.10%\n\n$\n\nStudent\nSavings\n$0 Up To $500\n$500+\n\n1.50%\n0.10%\n\n1.51%\n0.10%\n\n$\n\nCollege Savings\nAccount\n$0 Up To $500\n$500+\n\n1.50%\n0.10%\n\n1.51%\n0.10%\n\n$\n\nHoliday\nClub\n\n0.10%\n\n0.10%\n\n$\n\nProduct\n\nFor further information, please ask to speak\nwith a Member Services Representative.\nAPY equals Annual Percentage Yield\n\n*\n\n5\n\n5\n\n5\n\n100\n\n5\n\n\x0cMONEY MARKET RATES\nMember\xe2\x80\x99s Choice\nBalance To Obtain APY*\n\nRate\n\nUp To 2,500\n\n0.10\n\n$\n\n0.10\n\n%\n\n%\n\n%\n\n2,500 - 9,999\n\n0.15\n\n0.15\n\n%\n\n10,000 - 24,999\n\n0.20\n\n%\n\n0.20\n\n%\n\n25,000 - 49,999\n\n0.36\n\n%\n\n0.36\n\n%\n\n$\n\n50,000 - 99,999\n\n0.46\n\n%\n\n0.46\n\n%\n\n100,000+\n\n0.56\n\n%\n\n0.56\n\n%\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\n$\n\nMinimum To Open = $2,500\nFor further information, please ask to speak\nwith a Member Services Representative.\nAPY equals Annual Percentage Yield\n\n*\n\nAPY*\n\n\x0cLOAN RATES\nProduct\n\nAuto\nMotorcycles/\nATVs\nPersonal\nLoan\nNo Equity\nLoan\nEquity\nLine\n\nEquity\nLoan\n\nTerm\n\nUp To 63 Months\n\n3.69\n\nUp To 65 Months\n\n3.69\n\n60 Months\n\n8.19\n\n60 Months\n\n6.69\n\n10 Year\nDraw Period/\n15 Year Payback\nPeriod\n84 Months\n\nFor further information, please ask to speak\nwith a Member Services Representative.\nAPR equals Annual Percentage Rate\n\n*\n\nRate adjusted quarterly\n\n1\n\nAPR*\n\n%\n\n(as low as)\n\n%\n\n(as low as)\n\n%\n\n(as low as)\n\n%\n\n(as low as)\n\n5.25\n\n%\n\n(Prime plus 0%1)\n\n3.69\n\n%\n\n(as low as)\n\n\x0cCHECKING RATES\nProduct\nElite\nChecking\n\nRate\n\nAPY*\n\nBalance To\nObtain APY*\n\n3.93%\n4.00%\nUp To\n\t\t$15,000\n\nRelationship\nChecking\n\n0.10%\n\n0.10%\n\n$\n\nStudent\nChecking Plus\n\n0.10%\n\n0.10%\n\n$\n\nMember Business\nChecking\n\n0.10%\n\n0.10%\n\n$\n\nFor further information, please ask to speak\nwith a Member Services Representative.\nAPY equals Annual Percentage Yield\n\n*\n\n5,000\n\n0.01\n\n5,000\n\n\x0cCERTIFICATE RATES\nTerm\n\nMin.\nTo Open\n\nRate\n\n500\n\n0.75\n\n0.75\n\n500\n\n1.00\n\n1.00\n\n500\n\n1.25\n\n1.26\n\n500\n\n2.00\n\n2.02\n\n500\n\n2.50\n\n2.53\n\n500\n\n1.79\n\n1.80\n\n500\n\n2.25\n\n2.27\n\n6 Month\n\n$\n\n12 Month\n\n$\n\n18 Month\n\n$\n\n24 Month\n\n$\n\n36 Month\n\n$\n\n48 Month\n\n$\n\n60 Month\n\n$\n\n%\n\n%\n\n%\n\n%\n\n%\n\n%\n\nFor further information, please ask to speak\nwith a Member Services Representative.\nAPY equals Annual Percentage Yield\n\n*\n\nAPY*\n\n%\n\n%\n\n%\n\n%\n\n%\n\n%\n\n%\n\n%\n\n\x0cFOR HIGHER\nINTEREST\nTHAN A CD\nAND EASIER\nACCESS\nTO YOUR\nMONEY.\n\nElite Checking for real life.\n\nEARN\n\n4.00\nAPY=Annual Percentage Yield\nFor further information, please ask to speak\nwith a Member Services Representative.\n*\n\n%\n\nAPY\n\n*\n\n\x0c'


b"VISA CREDIT CARD AGREEMENT\nAND TRUTH IN LENDING DISCLOSURE\nInterest Rates and Interest Charges\nNon-Variable Rate Program\nAnnual Percentage Rates (APRs) for\nPurchases\n\nVariable Rate Program\n\nThis APR will vary with the market\nbased upon Prime Rate.\n\nNon-Variable Rate Program\nAPR for Balance Transfers\n\nVariable Rate Program\n\nThis APR will vary with the market\nbased upon Prime Rate.\n\nNon-Variable Rate Program\nAPR for Cash Advances\nVariable Rate Program\nPenalty APR and When It Applies\nPaying Interest\n\nFor Credit Card Tips from the Federal\nReserve Board\n\nThis APR will vary with the market\nbased upon Prime Rate.\n\nNo penalty rate will be applied.\nYour due date is at least 25 days after the close of each billing cycle. We\nwill not charge you interest on purchases if you pay your entire balance\nby the due date each month. We will begin charging interest on cash\nadvances and balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card visit the website of the Bureau of Consumer Financial\nProtection at http://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\nTransaction Fees:\nBalance Transfer Fee\nCash Advance Fee\nForeign Transaction Fee\nPenalty Fees:\nLate Payment\nOver-the-Credit Limit\nReturned Payment\nOther Fees\n\xe2\x80\xa2 Redwood Rewards\n\n$0\n$0\n$0 if cash advance performed at RCU location. 2% of the advance\namount or $20, whichever is greater, if cash advance performed at a\nnon-RCU location.\n$0\nUp to $15\n$0\nUp to $22\n$0\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nSee your account agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount agreement.\nPlease note that this Agreement contains a BINDING INDIVIDUAL ARBITRATION PROVISION AND JURY AND CLASS ACTION WAIVER which affects\nmy rights with respect to any claims or disputes by or against RCU. I may opt out of that provision as described on pages 6 and 7.\n\nForm # 215 | Rev. 12/06/2019\n\n\x0cVISA CREDIT CARD AGREEMENT\nAND TRUTH IN LENDING DISCLOSURE\nThis is a disclosure of the terms of my REDWOOD CREDIT UNION Visa\xc2\xae CREDIT CARD ACCOUNTS. I have applied for a consumer Visa Credit Card\n(Credit Card) with Redwood Credit Union (RCU). I represent that credit extended to me under this Agreement will be for personal, family, or\nhousehold purposes. I agree that if I use any card(s) issued or personal identification number (PIN), or allow others to use the account, card(s),\nor PIN, or any other Access Device issued to me hereunder, I and they will have accepted this Agreement , and I and they will be jointly and\nseverally bound by the following terms. \xe2\x80\x9cI\xe2\x80\x9d refers to all persons who submitted the application as applicants for credit, or who use this account,\nor who otherwise agree to be liable on the account. \xe2\x80\x9cAccess Device\xe2\x80\x9d refers to any means that a person can use to obtain a loan advance, such\nas a credit card. Please read the entire Visa Credit Card Agreement and Truth in Lending Disclosure (Agreement) and save a copy for your future\nreference.\nA. LOAN ADVANCES\n1. If RCU approves my application, each applicant will be issued a Credit Card and will be able to access the account. Each applicant will also be\nindividually and jointly responsible for repaying the account under the terms of this Agreement.\n2. I am also obligated to repay any charges resulting from the use of the Credit Card by another person with my permission, whether or not the\nperson stays within the scope of permission I have given them.\n3. To make a purchase or get a cash advance on my Credit Card, I must present the card or give my Credit Card number to a participating Visa\nplan merchant, to RCU, or to another financial institution. If I make my transaction in person, I may sign a sales receipt or cash advance draft\nimprinted with my truncated Credit Card number. I will keep a copy of the receipt or draft to verify with my monthly statement. I can also\naccess my account at designated ATMs.\n4. I agree not to use my Credit Card for illegal transactions, such as illegal on-line gambling. I am responsible for determining the legality of\ntransactions I make. The illegality of any authorized transaction will not be a defense to my obligation to pay for it.\n5. My account will be an open-end or revolving account. This means that I can borrow the full amount of the line of credit, repay the principal in\nfull or in part, and borrow again up to my maximum line of credit as long as I continue to be creditworthy and a Member in good standing of\nRCU.\n6. Each joint borrower may borrow on the account to the extent of the credit limit and will be responsible with any other joint borrower to\nrepay the loan. Each joint borrower will remain responsible for payment, even if another person has been directed to pay the debt by an\nagreement or court order, such as a divorce decree to which RCU is not a party. No release from the obligation to pay will be valid unless (a) in\nwriting and signed by an authorized RCU employee or (b) pursuant to a court order in an action to which RCU is a party, such as a bankruptcy.\n7. RCU has the right to refuse my request to borrow against my credit line for any reason, in its sole and absolute discretion. RCU will generally\nnotify me in writing of the reason for any such denial of credit. Among the reasons for refusing to advance me credit are my having already\nborrowed up to my credit limit, my failure to meet obligations to RCU, or an adverse change in my credit standing.\nB. CREDIT LIMIT\n1. RCU sets my credit limit at RCU\xe2\x80\x99s sole discretion. The loans which RCU may extend to me under this account may only exceed the assigned\ncredit limit at RCU\xe2\x80\x99s discretion. RCU may review my account from time to time. RCU\xe2\x80\x99s review may include asking me to provide current\ninformation or complete a new application, and/or checking my credit with third-party sources at any time I have open accounts that are\nsubject to this Agreement. RCU may increase or decrease my credit limit, change the interest rate that applies to future advances on my loan\naccount, or close my loan account, based on RCU\xe2\x80\x99s review. I can request an increase in my credit limit by submitting a written or online\napplication.\nC. REPAYMENT TERMS\n1. I promise to pay RCU, at the address designated for payment on my statement, all sums advanced to me under this Agreement at any time,\nplus a finance charge determined by RCU. The finance charge is the amount of money that I pay for the money that I borrow. The finance\ncharge is computed by applying an Annual Percentage Rate (APR) to the amounts I owe. To make credit available to as many Members as\npossible, RCU may offer a range of rates on Credit Cards. The rate offered will depend on RCU\xe2\x80\x99s evaluation of my creditworthiness and ability to\npay.\n2. The Credit Card program and Annual Percentage Rate (APR) that applies to my Credit Card is checked below:\nVariable Rate Program: The APR that applies to this credit card is a variable rate based on the Prime Lending Rate plus a\nmargin of\nfor purchases and balance transfers and\nfor cash advances. The APR on the credit card will increase or decrease as the\nPrime Lending Rate increases or decreases and can change every billing cycle. An increase to my rate will result in a longer\nrepayment period and higher payments. Changes to the APR will take effect on the first day of the billing cycle following a change\nto the Prime Lending Rate. The resulting rate will apply to all outstanding balances unless a promotional rate applies to a\nparticular balance. The APR cannot exceed 21.00% while the credit card is open.\nThe APR and resulting daily periodic rate on my card is currently:\n\nAPR for Purchases and Balance Transfers:\nAPR for Cash Advances:\n\nDaily Periodic Rate:\nDaily Periodic Rate:\n\nThese rates are accurate as of\nNon-Variable Rate Program: The APR that applies to this credit card is the rate disclosed in the Interest Rates and Interest\nCharges section on the first page of this Agreement. This rate will not increase on existing balances but may increase for future\nadvances as provided for in Section G: Change of Terms.\n\nForm # 215 | Rev. 12/06/2019\n\n\x0cVISA CREDIT CARD AGREEMENT\nAND TRUTH IN LENDING DISCLOSURE\nThe APR and resulting daily periodic rate on my card is:\n\nAPR for Purchases and Balance Transfers:\nAPR for Cash Advances:\n\nDaily Periodic Rate:\nDaily Periodic Rate:\n\n3. My minimum periodic payment on any Credit Card account balance will be the greater of the amount shown on my current monthly billing\nstatement or $10, plus any over limit or delinquent amounts. The minimum payment is generally 2% of the new balance.\n4. Calculation of Finance Charges--Average Daily Balance Method: The Finance Charge on Credit Card advances accrues from the date each\ntransaction posts to my account. RCU arrives at the Finance Charge by first calculating the average daily principal balance for the statement\nperiod. To do this, RCU obtains the balances for each day of the statement period by adding any cash advances or purchases to, and subtracting\nany payments or credits from, the previous day\xe2\x80\x99s balance. Then RCU adds up the daily balances for each day of the statement period and\ndivides that total by the number of days in the statement period to get the Average Daily Balance. Then RCU multiplies the Average Daily\nBalance by the Monthly Periodic Rate (1/12 of the APR) to determine the finance charges for the statement period.\n5. Grace Period for Purchases Only: If I either had a zero balance at the end of the previous statement period or paid my previous month\xe2\x80\x99s new\nbalance in full on or before the due date, I will have thirty (30) days from the close of the statement period to pay my new balance of purchases\nwithout the specified Finance Charge. After the grace period, I must pay the specified Finance Charge. A partial payment of my balance will not\nreduce the Finance Charge. No grace period applies to cash advances. Finance Charges accrue from the day a cash advance posts to my\naccount.\n6. Credit Card account payments are applied to the components of my account in the following order: in accordance with applicable law, RCU\nwill choose the order in which any payment will be applied to my indebtedness to RCU at the time the payment is made.\n7. I can repay the balance I owe, including the accrued finance charge, at any time, in full or in part, without prepayment penalty. Any partial\npayment of my account will not advance my next payment due date.\n8. My minimum monthly payment will increase when the outstanding balance increases, as stated in the periodic statement or payment notice.\n9. RCU will provide me with periodic statements of my Credit Card account that will advise me of the status of my loan, including any\ninformation required by law.\n10. I will make monthly payments on or before the day specified in my billing statements.\n11. If my balance exceeds my authorized credit limit, I must immediately, upon receipt of written notice from RCU, make a single lump-sum\npayment to reduce my outstanding balance to the authorized credit limit.\n12. Foreign Transactions. For transactions initiated in foreign currencies, the exchange rate between the transaction currency and the billing\ncurrency (U.S. dollars) will be (a) a rate selected by Visa from the range of rates available in wholesale currency markets, which rate may vary\nfrom the rate Visa itself receives, or (b) the government mandated rate in effect for the applicable central processing date, in each instance,\nplus or minus any adjustment determined by RCU. As of the date of this Agreement, RCU does not add a currency conversion fee to the\ntransaction amount. The currency conversion rate used by Visa on the processing date may differ from the rate that would have been used on\nthe purchase date or cardholder statement posting date. RCU has no control over the conversion rate. RCU reserves the right to add a currency\nconversion fee to transaction amounts in the future. Notice of fee or surcharge changes will be provided as required by law.\n13. For users of Visa Autopay only: I authorize RCU to initiate debit entries each month to my designated checking or savings account for the\npurpose of crediting my RCU Visa account (Authorization). The amount of the payment for my Visa account will be credited to the Visa account\non the Payment Due Date (approximately 25 days after the closing of the statement) and debited from my checking or savings account\napproximately 1-4 days after this date. I further understand and agree that in order for RCU to make any payment transfers, I must have the full\npayment amount available in my account or the transfer may not take place and my account may be assessed a fee. Except for the \xe2\x80\x9cLast\nStatement Balance\xe2\x80\x9d transfer option, any amount over limit will not be included in the payment transfer. This authority is to remain in full force\nand effect as long as the account remains in good standing or until I provide the RCU with a written authorization requesting that a change be\nmade, or the automatic payments be terminated or until RCU has given me written notice of cancellation. I must submit the Autopay\nCancellation Request (or a new application if making a change) 15 days prior to the payment due date in order for the cancellation or change to\ntake place. I agree that RCU will not be liable to me for any loss or damage I incur because RCU followed my instructions under this\nAuthorization in a reasonable manner. Even if RCU negligently or intentionally fails to follow my instructions, RCU will only be liable for my\nactual damages. Actual damages mean the actual loss I incur due to RCU\xe2\x80\x99s failure to follow my instructions in a reasonable manner and does\nnot include consequential damages such as alleged loss of profits or alleged harm to my credit standing. I will indemnify and hold RCU harmless\nfrom all costs, claims, damages, attorney\xe2\x80\x99s fees, or liability it sustains as a result of carrying out my instructions in a reasonable manner. I\nacknowledge that the origination of VISA Autopay/ACH transactions to my account must comply with the provisions of U.S. Law. In order for\nthe RCU to debit my said account, I must be on the Checking/Savings account that the funds will be debited from and a signer on the VISA\nAccount that the funds will be applied to.\nD. OTHER CHARGES\n1. Dishonored Loan Payments: Any payment I make with a non-cash item that is not honored may result in a fee of $22 being added to my\naccount.\n2. Cash Advances: For cash advances performed at non-RCU offices, I will be assessed a fee equal to 2% of the advance amount or $20,\nwhichever is greater. If assessed, the fee is added to the account balance and may accrue finance charges on the same basis as a purchase or\ncash advance.\nE. SECURITY INTERESTS\n1. Specific Account Pledge: At RCU\xe2\x80\x99s option, a specified amount in one or more of my RCU share accounts may be pledged as security for the\nrepayment of all amounts loaned to me under the terms of this Agreement. The amount pledged and the account will be as shown on a\n\nForm # 215 | Rev. 12/06/2019\n\n\x0cVISA CREDIT CARD AGREEMENT\nAND TRUTH IN LENDING DISCLOSURE\nseparate security agreement. I cannot withdraw the pledged funds from the account as long as the pledge is in effect. If I default on my\npayments under the terms of this Agreement, RCU has the right to apply the amount specifically pledged to pay off the loan in full or in part.\nF. CHANGES IN TERMS\n1. RCU may change the terms of this Agreement, including my APR, from time to time for any reason consistent with applicable law after giving\nme any advance notice required by law. My failure to exercise any right I may have to reject the change in terms in a timely manner will\nindicate my agreement to the change. Except as restricted or prohibited by law, any change in terms will apply to my existing account balance\nas well as to future transactions.\n2. The terms of this Agreement may also be changed by mutual written agreement between RCU and me or by the order of a court in an action\nto which RCU is a party.\n3. RCU can cancel this Agreement and revoke any privilege I have at RCU if I fail to meet RCU\xe2\x80\x99s credit standards at any time or for other lawful\nreason. I can cancel this Agreement at any time. My obligation to pay what I owe continues after RCU or I cancel this Agreement or any subaccount under this Agreement, or if RCU cancels any of my RCU privileges.\nG. HONEST DEALING\n1. I will promptly notify RCU of any information that affects my creditworthiness or ability to pay what I owe, including but not limited to, a\nchange in my name, address, or employment. I will not use my Credit Card or any credit access device issued to me if I have reason to believe I\nwill be unable to make the scheduled payments.\nH. DEFAULT\xe2\x80\x93LIEN\xe2\x80\x93ACCELERATION\n1. If I default on my loan payments or breach this Agreement or any other agreement I have with RCU, if I make false statements to obtain\ncredit, or if I die or become the debtor in a bankruptcy or other insolvency proceeding, RCU may declare the entire unpaid balance of the Credit\nCard account due and payable immediately, without notice. Even if RCU accepts a late payment or partial payment, RCU is not waiving its right\nto accelerate the payment of the Credit Card account and declare the entire unpaid balance due. The regular interest required under the terms\nof this Agreement will continue to accrue even after my default and acceleration of the obligation.\nI. COLLECTION COSTS\n1. If I do not make my payment to RCU within fifteen (15) days after the due date, a single late charge of $15.00 will be added to my account. I\nagree to pay all reasonable collection costs RCU incurs before suit is filed. If RCU takes legal action to collect what I owe to RCU, subject to the\narbitration provision below, I agree to pay RCU\xe2\x80\x99s reasonable attorney\xe2\x80\x99s fees and costs, whether the legal action is a collection lawsuit, a\nproceeding to protect RCU\xe2\x80\x99s interests if I become a bankruptcy debtor, or any other type of legal action. RCU can add collection costs and\nattorney\xe2\x80\x99s fees to my loan balance and they will accrue interest at the stated interest rate for my loan.\n2. I understand that RCU may submit a negative credit report to a credit-reporting agency that will reflect on my credit record if I fail to fulfill\nthe terms of my credit obligations.\nJ. OTHER RIGHTS APPLICABLE TO CREDIT CARDS\n1. Unauthorized Use of Credit Cards - If there is unauthorized use on my consumer VISA Credit Card, my liability will be zero ($0.00). This\nprovision limiting my liability does not apply to either VISA commercial cards, ATM cash disbursements or non-VISA PIN-less debit transactions.\nAdditionally, my liability with respect to unauthorized transactions may be greater than the above limit, to the extent allowed under applicable\nlaw, if RCU reasonably determines, based on substantial evidence, that I was grossly negligent or fraudulent in the handling of my account or\ncard. I agree to immediately notify RCU of the loss or theft of my card at RCU\xe2\x80\x99s telephone numbers, (707) 545-4000 or 1 (800) 479-7928, or by\nwriting to RCU at Redwood Credit Union, PO Box 6104, Santa Rosa, CA 95406-0104. I also agree to assist RCU in determining the facts and\ncircumstances relating to any such unauthorized use.\n2. Merchant Disputes - RCU is not responsible for the refusal of any merchant or financial institution to honor my Credit Card. RCU is subject to\ngood faith claims and defenses recognized by law (other than tort claims) arising out of goods or services I purchase with the card, only if I have\nmade a good faith attempt, but have been unable to obtain satisfaction from the plan merchant, and (a) my purchase was made in response to\nan advertisement RCU sent or participated in sending me or from a merchant RCU owns or operates, or (b) my purchase cost more than $50\nand was made in my home state or within 100 miles from my home. RCU is relieved from liability if I have already paid RCU for the disputed\ntransaction. Any other disputes I must resolve directly with the merchant.\n3. Credits - A merchant who honors my Credit Card and later gives me credit for a return or adjustment will do so by sending RCU a credit slip,\nwhich RCU will post to my account. If my credits and payments exceed what I owe RCU, RCU will hold and apply the credit balance against\nfuture purchases and cash advances or refund it on my written request if it is $1.00 or more. If I have had a credit balance with RCU, RCU will\nautomatically refund it within 6 (six) months via a deposit to an RCU share account of mine or by sending me a check at my last address in RCU\xe2\x80\x99s\nrecords. As required by law, RCU will promptly post payments to my account so that I will not pay improper finance charges. However, RCU has\nthe right to reasonably delay refunding credit balances to me or increasing my credit limit for the maximum time allowed by law until final\ncollection of non-cash items presented for payment of my account.\nK. ERROR CORRECTION\n1. RCU can correct clerical errors in loan documents, including but not limited to, errors in the interest rate quoted to me. I will be notified of\nany corrections and the reasons for them.\nL. TERMINATION\n\nForm # 215 | Rev. 12/06/2019\n\n\x0cVISA CREDIT CARD AGREEMENT\nAND TRUTH IN LENDING DISCLOSURE\n1. RCU can terminate this Agreement at any time for any lawful reason by sending me a written notice of the termination and the business\nreasons for it, such as RCU\xe2\x80\x99s discontinuing a type of loan or the inadequacy of funds to make loans. RCU can also terminate this Agreement if I\nfail to meet my obligations to RCU or cease to be a Member in good standing. Termination of this Agreement does not relieve me of the\nobligation to repay the full balance due under this Agreement.\nM. PAYMENT PROTECTION\n1. I may voluntarily elect to purchase Payment Protection. I do not have to obtain this insurance to borrow money. RCU can cancel my payment\nprotection if I don\xe2\x80\x99t make my payments on time. RCU will add the premiums to the monthly principal balance of the VISA/loan account and the\npremium will accrue finance charges until paid. Exact unit cost will be stated in a separate insurance document. Payment Protection is also\nsubject to a separate written agreement.\nN. GENERAL TERMS\n1. The singular implies the plural if more than one person signs this Agreement. If any part of this Agreement is found invalid, the other parts\nshall remain in effect. This Agreement shall not be construed against either party. The Agreement is made in California and applicable Federal\nand California law shall govern its interpretation to the extent permitted by law. NOTICE: Important information about rights to dispute billing\nerrors follows below.\n2. WAIVER, DELAY IN ENFORCEMENT \xe2\x80\x93 RCU may delay enforcing any of its rights under this Agreement at any time without affecting any of its\nother rights under this Agreement.\n3. OWNERSHIP \xe2\x80\x93 The Visa Credit Card(s) remain the property of RCU and must be collected and surrendered to RCU upon our request and/or\nupon termination of this account.\n4. ATM DISCLOSURE - This section includes special provisions applicable to the use of a Credit Card to obtain cash at ATMs. My Visa Credit Card\nmay allow me to get cash through a nationwide network of Visa ATMs. The separate Electronic Funds Transfer Disclosure contained in my\nRedwood Credit Union Membership Account Disclosure provides information about using ATMs to access RCU accounts such as share (savings)\nand share draft (checking).\n5. AVAILABLE ATM SERVICES - (a) You may obtain cash, up to your established credit limit and in accordance with RCU\xe2\x80\x99s ATM services. Any cash\nadvances performed at an ATM will be under RCU\xe2\x80\x99s sole discretion.\n(b)ATM service is generally available twenty-four (24) hours a day, seven (7) days a week.\n6. DOCUMENTATION OF TRANSACTIONS - Cash advances using a Visa Credit Card will be shown on a receipt dispensed by the ATM and on the\nperiodic statement. RCU\xe2\x80\x99s LIABILITY: If RCU does not properly complete a transaction according to RCU\xe2\x80\x99s agreement with me, RCU is liable for\nmy direct losses or damages. However, there are some exceptions. RCU will not be liable if:\n(a) Through no fault of RCU\xe2\x80\x99s, I lack sufficient available credit to make the transaction.\n(b) The ATM system is not working properly, and I knew about the breakdown when I started the transaction.\n(c) The money in my accounts is subject to legal process or other claim.\n(d) My Personal Identification Number (PIN) has been reported missing and RCU has blocked its use.\n(e) Circumstances beyond RCU\xe2\x80\x99s reasonable control such as fire, flood, electrical failure, or malfunction of the central data processing system\nprevent RCU from completing the transaction despite RCU\xe2\x80\x99s reasonable precautions.\n(f) RCU establishes other lawful exceptions and notifies me of them in advance.\nIn no event will RCU be liable for consequential, indirect, or punitive costs or damages.\n7. BUSINESS DAYS - RCU\xe2\x80\x99s business days are Monday through Friday, excluding holidays.\n8. SECURITY - I will not use an ATM unless it appears safe to do so. I will not key in my PIN if someone is looking. I will take my card and receipt\nwhen I am done. I will put my money away quickly and leave the site.\nO. TELEPHONE CONSUMER PROTECTION ACT EXPRESS CONSENT\n1. I hereby give my express consent to RCU and its successors and assigns, and to any third party acting on behalf of any of them, to contact me\nregarding my accounts and/or any other business relationship I have now or at any time in the future with RCU. This includes my consent for\nRCU to contact me by telephone or text message at any telephone number or numbers I provide to RCU now or later for any purpose or that\nRCU obtains from any other source, including (but not limited to) any telephone number assigned to a cellular telephone service or any other\nservice for which I am charged for the call. This consent applies even if RCU uses an automatic telephone dialing system or an artificial or\nprerecorded voice to make the call or send the message. (I promise I will tell RCU in writing if any telephone number I provide to RCU is\nassigned to a cellular telephone service or to any other service for which anyone may be charged for the call. I also promise to tell RCU in\nwriting if I am not the person who subscribes to the related telephone service or if I am not the most common user of any such telephone\nnumber.\nP. GOVERNING LAW AND DISPUTE RESOLUTION\n1. This Agreement will be governed by and interpreted in accordance with federal law and regulation, and to the extent that there is no\napplicable federal law or regulation, by the laws of the State of California, without giving effect to the conflict of law provisions of your actual\nstate or country of residence. To the extent permitted by applicable law and subject to the terms of the arbitration paragraph below, I agree\nthat any legal action regarding this Agreement shall be brought in the county in which RCU\xe2\x80\x99s headquarters office is located.\nQ. ARBITRATION AND WAIVER OF CLASS ACTION AND JURY TRIAL\nPlease read this provision carefully. It affects my rights and may have a substantial impact on how legal claims I and RCU have against each\nother are resolved if I do not opt-out as permitted below.\n\nForm # 215 | Rev. 12/06/2019\n\n\x0cVISA CREDIT CARD AGREEMENT\nAND TRUTH IN LENDING DISCLOSURE\n1. ARBITRATION\nTo the extent permitted by the Federal Arbitration Act (FAA) and any other applicable federal law, binding arbitration may be elected by either\nparty with respect to any past, present, or future claim or controversy arising out of or relating to this Agreement and/or a Credit Union\naccount, even if that party has already initiated a lawsuit with respect to a different claim. Arbitration is elected by giving a written demand for\narbitration to the other party, by filing a motion to compel arbitration in court, or by initiating arbitration against the other party. You and we\nagree, upon such written demand, motion or initiation, to submit to, and that such claim shall be settled by, binding arbitration.\nThe arbitration will be subject to the Rules of the American Arbitration Association (AAA\xe2\x80\x9d in effect at the time the arbitration is initiated, or\nsuch similar rules as may be adopted by AAA. Neither party will demand the arbitration of an action filed in small claims court, or its state\xe2\x80\x99s\nequivalent court, for any claim or dispute within the scope of the small claims court\xe2\x80\x99s jurisdiction. But if a claim is transferred, removed or\nappealed to a different court, such claim shall be subject to arbitration.\nThis arbitration provision shall be interpreted and enforced in accordance with the FAA by a single arbitrator appointed by the AAA. The\narbitrator shall be an attorney or retired judge with experience and knowledge regarding financial institutions and transactions.\nRCU will advance and/or pay, as applicable, the fees and costs of the arbitration pursuant to this Agreement (i) if applicable law requires RCU\nto, (ii) if I prevail in the arbitration, or (iii) if RCU must advance such fees and costs in order for this arbitration provision to be enforced, subject\nto the arbitrator\xe2\x80\x99s award, if any, of arbitration fees and costs to the prevailing party.\nIn each case, each party will pay for its own attorney fees and costs, if any, for prosecuting and defending claims, except that the arbitrator may\naward the prevailing party all its attorney\xe2\x80\x99s fees and costs, including expert witness fees.\nArbitration hearings will be held in a location reasonably convenient to my residence, or at another location if mutually agreed. Any issue\nconcerning whether or the extent to which a dispute or claim is subject to arbitration, including issues relating to the validity or enforceability\nof these arbitration provisions, shall be determined by the arbitrator. Only a court, and not an arbitrator, however, shall determine the validity\nand effect of the class action and jury trial waivers below. All statutes of limitations or other defenses relating to the timeliness of the assertion\nof a dispute or claim that otherwise would be applicable to an action brought in a court of law must be followed by the arbitrator, and the\ncommencement of an arbitration under this Agreement shall be deemed the commencement of an action for such purposes. The arbitrator\xe2\x80\x99s\ndecision shall be final and binding and may be entered in any state or federal court having jurisdiction. The arbitrator may award any remedy\nprovided by the substantive law that would apply if the action were pending in court. For more details, check the American Arbitration\nAssociation\xe2\x80\x99s website, www.adr.org, OR call the American Arbitration Association\xe2\x80\x99s Customer Service telephone number at (800) 778-7879.\n2. WAIVER OF CLASS ACTION AND JURY TRIAL\nTHE PARTIES EACH AGREE THAT ANY AND ALL DISPUTES, WHETHER SUBMITTED TO ARBITRATION OR DECIDED BY A COURT, MUST BE\nBROUGHT IN THE PARTY'S INDIVIDUAL CAPACITY AND NOT AS A CLASS ACTION PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR\nREPRESENTATIVE PROCEEDING. I AGREE TO WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR LITIGATE ON A CLASS-WIDE BASIS. I\nAGREE THAT I HAVE EXPRESSLY AND KNOWINGLY WAIVED THESE RIGHTS. I AND RCU HEREBY VOLUNTARILY AND KNOWINGLY WAIVE THE\nRIGHT TO TRIAL BY JURY OF ALL DISPUTES, CONTROVERSIES, AND CLAIMS BY, BETWEEN OR AGAINST EITHER ME OR RCU WHETHER THE\nDISPUTE, CONTROVERSY, OR CLAIM IS SUBMITTED TO ARBITRATION OR IS DECIDED BY A COURT, TO THE FULLEST EXTENT ALLOWED BY LAW.\n3. MY RIGHT TO OPT OUT; ARBITRATION AND WAIVER OF CLASS ACTION AND JURY TRIAL\nIF I DO NOT WANT THIS ARBITRATION AND WAIVER OF CLASS ACTION AND JURY TRIAL PROVISION TO APPLY, I MAY OPT-OUT BY SENDING A\nWRITTEN REQUEST TO THE CREDIT UNION POSTMARKED WITHIN SIXTY (60) DAYS OF MY RECEIPT OF THIS AGREEMENT. THE OPT-OUT MUST\nINCLUDE MY FULL NAME, ADDRESS, TELEPHONE NUMBER, ACCOUNT NUMBER, AND PERSONAL SIGNATURE, AND MUST BE MAILED TO\nREDWOOD CREDIT UNION, PO BOX 6104, SANTA ROSA, CA 95406. OPTING OUT WILL NOT TERMINATE THIS AGREEMENT OR AFFECT ANY\nOTHER RIGHTS AND OBLIGATIONS I OR THE CREDIT UNION HAVE UNDER THIS AGREEMENT.\n4. GENERAL PROVISIONS\nThis arbitration provision does not preclude me from bringing issues regarding my accounts to the attention of any federal, state, or local\nagency or entity. Such agency or entity may be able to seek relief on my behalf.\nNothing in this arbitration provision shall limit my or RCU\xe2\x80\x99s right, whether before, during, or after the pendency of any arbitration proceeding,\nto exercise any self-help remedies, such as set-off or repossession and sale of collateral, or to obtain provisional remedies (including but not\nlimited to, injunctive relief or interpleader relief). The exercise of such rights will not constitute a waiver of the right to submit any dispute to\narbitration.\nThis Arbitration and Waiver of Class Action and Jury Trial provision shall survive my death, the closing of any of my accounts, the termination of\nany of my business or transaction(s) with RCU, and any bankruptcy filing to the extent consistent with applicable bankruptcy law and shall also\nsurvive as to any claim within the scope of this Agreement.\n\nForm # 215 | Rev. 12/06/2019\n\n\x0cVISA CREDIT CARD AGREEMENT\nAND TRUTH IN LENDING DISCLOSURE\nIf any term or provision of this Arbitration and Waiver of Class Action and Jury Trial provision is held to be invalid or unenforceable, the\nremaining provisions shall be enforced without regard to the invalid or unenforceable term or provision.\nR. MY BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\n1. STATE AND LOCAL LAW - The following summary of my rights under federal law does not cover all rights I may have under state and local law.\nIf, under state or local law, I have a longer period of time in which to send an inquiry to RCU concerning my statement, reliance on any such\nlonger period of time may result in my losing important rights, which could be preserved by acting more promptly under federal law. State or\nlocal provisions, if any, only become operative upon the expiration of the time period provided by CFPB Regulation Z for submitting a proper\nwritten notification of an error. This notice contains important information about my rights and responsibilities under the Fair Credit Billing Act.\n2. If I think my statement is wrong, or if I need more information about a transaction on my statement, I will write RCU at the address shown on\nmy statement or to Redwood Credit Union, PO Box 6104, Santa Rosa, CA 95406-0104. I will write as soon as possible. RCU must hear from me\nno later than sixty (60) days after RCU sent me the first statement on which the error or problem appeared. I can telephone RCU at 1 (800) 4797928 but doing so will not preserve my rights.\nMy letter should give RCU the following information.\n\xe2\x80\xa2 My name and account number\n\xe2\x80\xa2 The dollar amount of the suspected error\n\xe2\x80\xa2 A description of the error and an explanation, if I can make one, or why I believe there is an error. If I need more information, I will describe\nthe item I am not sure about.\nIf I have authorized RCU to pay my credit card bill automatically from my savings or checking account, I can stop the payment on any amount I\nthink is wrong. To stop the payment, my letter must reach RCU three business days before the automatic payment is scheduled to occur.\n3. MY RIGHTS AND RCU\xe2\x80\x99S RESPONSIBILITIES AFTER RCU RECEIVES MY WRITTEN NOTICE - RCU must acknowledge my letter within thirty (30)\ndays, unless RCU has corrected the error by then. Within ninety (90) days, RCU must either correct the error or explain why RCU believes the\nstatement was correct. After RCU receives my letter, RCU cannot try to collect any amount I question, or report me as delinquent. RCU can\ncontinue to bill me for the amount I question, including finance charges, and RCU can apply any unpaid amount against my credit limit. I do not\nhave to pay any questioned amount while RCU is investigating, but I am still obligated to pay the parts of my statement that are not in question.\nIf RCU finds that RCU made a mistake on my statement, I will not have to pay any finance charges related to any questioned amount. If RCU did\nnot make a mistake, I may have to pay finance charges, and I will have to make up any missed payments on the questioned amount. In either\ncase, RCU will send me a statement of the amount I owe and the date that it is due.\nIf I fail to pay the amount that RCU thinks I owe, RCU may report me as delinquent. However, if RCU\xe2\x80\x99s explanation does not satisfy me and I\nwrite to RCU within ten (10) days telling RCU that I still refuse to pay, RCU must tell anyone to whom RCU reports me that I have a question\nabout my statement. And, RCU must tell me the name of any person to whom RCU reported me. RCU must tell anyone to whom RCU has\nreported me that the matter has been settled between us when it finally is. If RCU does not follow these rules, RCU cannot collect the first $50\nof the questioned amount, even if my statement was correct.\n4. SPECIAL RULE FOR CREDIT CARD PURCHASES - If I have a problem with the quality of goods or services that I purchased with a Credit Card,\nand I have tried in good faith to correct the problem with the merchant, I may have the right not to pay the remaining amount due on the\nproperty or services. There are two limitations on this right:\n(a) I must have made the purchase in my home state or, if not within my home state, within 100 miles from my home.\n(b) The purchase price must have been more than $50.\nThese limitations do not apply if RCU owns or operates the merchant or if RCU mailed me the advertisement for the property or services.\nS. CALIFORNIA RESIDENTS\n1. Under California law, RCU\xe2\x80\x99s rights to recover credit extended to me for credit card purchases is subject to any defenses I have against the\nseller if:\n(a) The purchase price of the item in question exceeded $50.\n(b) I made the purchase in California.\n(c) I made a written demand to the retailer and made a good faith attempt to get satisfaction of my complaint.\n(d) I notify RCU in writing of the name of the seller, the date of the purchase, the price paid, the goods or services purchased, the nature of my\ndefense, and the acts I took to obtain satisfaction from the seller.\n2. The amount to which the defense applies is limited to the amount outstanding on the purchase as well as Late Charges and Finance Charges\nat the time RCU receives the written demand.\n3. This remedy is the only one I have against RCU. My rights are limited to those circumstances outlined in California Civil Code \xc2\xa71747.90.\nPurchases with cash or check are not included even though I used my Credit Card to validate my credit.\n4. RCU cannot penalize me either by giving out unfavorable credit information about me or canceling or refusing to renew my Credit Card solely\nbecause I obtained relief under the rights, I have to correct billing errors.\nT. MAPR Disclosure\n\nForm # 215 | Rev. 12/06/2019\n\n\x0cVISA CREDIT CARD AGREEMENT\nAND TRUTH IN LENDING DISCLOSURE\n1. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate\nof 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums;\nfees for ancillary products sold in connect with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for accredit card account).\nU. HOW TO CONTACT RCU \xe2\x80\x93 RCU may be contacted by:\n\xe2\x80\xa2\nEmail:\no\nSecured Email: In Online Banking, click on the \xe2\x80\x9cMessages\xe2\x80\x9d option\no\nGeneral Email: www.redwoodcu.org - click on \xe2\x80\x9cContact Us\xe2\x80\x9d\n\xe2\x80\xa2\nPhone: Local - (707) 545-4000 or Toll-Free - 1 (800) 479-7928\n\xe2\x80\xa2\nMail: Redwood Credit Union, PO Box 6104, Santa Rosa, CA 95406\n\nForm # 215 | Rev. 12/06/2019\n\n\x0c"


b'Credit Card Interest Rates and Fees\nSuncoast Credit Union offers low rate credit card products with competitive terms. Your actual rate and term will be based on your personal credit\nqualifications.\n\nSuncoast Credit Union \xe2\x80\x94 Credit Card Interest Rates and Interest Charges\nAnnual Percentage Rate (APR) for Purchases\n\n9.9% to 17.9% when you open your account, based on your creditworthiness.\n\nAPR for Balance Transfers\n\n11.9% to 18.0% when you open your account, based on your creditworthiness.\n\nAPR for Cash Advances\n\n11.9% to 18.0% when you open your account, based on your creditworthiness.\n\nPenalty APR and When it Applies\n\nNot Applicable\n\nHow to Avoid Paying Interest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance by the due date each month.\n\nMinimum Interest Charge\n\nNot Applicable\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau\n(http://www.consumerfinance.gov/learnmore/).\n\n(#)\n\n\x0cSuncoast Credit Union \xe2\x80\x94 Credit Card Fees\nAnnual Fee\n\nNone\n\nTransaction Fees\nBalance Transfer\nCash Advance\nForeign Transaction\n\nNone\nNone\nNone\n\nPenalty Fees\nLate Payment\nOver-the-Credit Limit\nReturned Payment\n\nUp to $25\nNone\nUp to $25\n\nOther Fees\nCard Replacement\n\n$5\n\nSuncoast Credit Union \xe2\x80\x94 Credit Card Agreement (/-/media/files/forms-and-applications/scu-platinum-credit-card-agreement.pdf)\nHow We Will Calculate Your Balance: We use a method called "average daily balancing (including new purchases)". See your account agreement for\nmore details.\nThe above information is accurate as of January 1, 2020. This information may have changed after that date. To find out what may have changed, call\nus at 1-800-999-5887 or write to us at P.O. Box 11904, Tampa, FL 33680-1904.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights will be provided in your account agreement.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an\nannual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit\ninsurance premiums, fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card\naccount).\n(#)\nPlease call us 1-800-999-5887 extension 88335 to receive oral disclosures.\n\n\x0c'