b'Cardmember Agreement: Part 1 of 2\n\xc2\xae\n\nThe Platinum Card\nIssuer: American Express Travel Related Services Company, Inc.\n\nFees Table\nFees\nAnnual Membership Fee\nTransaction Fees\n\xe2\x97\x8f Foreign Transaction\nPenalty Fees\n\n$795\n2.7% of each transaction after conversion to US dollars.\n\n\xe2\x97\x8f\n\nLate Payment\n\nUp to $40.\n\n\xe2\x97\x8f\n\nReturned Payment\n\nUp to $40.\n\nCMAEUAOT0000002\n\nPage 1 of 2\n\nAs of: 06/30/2021\n\n\x0cHow Fees Work\nFees\n\nAnnual Membership\nLate Payment\n\nThis fee is on the Rates and Fees Table on page 1 of Part 1.\nUp to $40. If you do not pay the Amount Due on a billing statement by the Payment Due Date,\nthe fee is $29. If this happens again within the next 6 consecutive billing periods, the fee is $40\ninstead. However, the late fee will not exceed the Amount Due.\n\nReturned Payment\n\nUp to $40. If you make a payment that is returned unpaid the first time we present it to your bank,\nthe fee is $29. If you do this again within the same billing period or the next 6 billing periods, the fee\nis $40. However, the returned payment fee will not exceed the Amount Due.\n\nReturned Check\n\n$38 if you use your card to cash a check at one of our approved locations and the check is returned\nunpaid. We will also charge you the unpaid amount.\n2.7% of the converted U.S. dollar amount. This fee is a finance charge. See Converting charges made\nin a foreign currency in Part 2.\n\nForeign Transaction\n\nPart 1, Part 2 and any supplements or amendments make up your Cardmember Agreement.\n\nCMAEUFEEPAPR108\n\nPage 2 of 2\n\n\x0cFDR 1122676\n\nCardmember Agreement: Part 2 of 2\n\nDoc 27313\n\nHow Your American Express Account Works\nIntroduction\nAbout your Cardmember\nAgreement\n\nThis document together with Part 1 make up\nthe Cardmember Agreement (Agreement) for\nthe Account identified on page 1 of Part 1. Any\nsupplements or amendments are also part\n\nof the Agreement. When you use the Account (or\nyou sign or keep the card), you agree to the terms\nof the Agreement.\n\nChanging the Agreement\n\nWe may change this Agreement, subject to\napplicable law. We may do this in response to\nthe business, legal or competitive environment.\nThis written Agreement is a final expression of the\nagreement governing the Account. The written\nAgreement may not be contradicted by any alleged\noral agreement.\n\nChanges to some terms may require 45 days\nadvance notice, and we will tell you in the notice if\nyou have the right to reject a change. We cannot\nchange certain terms during the first year of your\nCardmembership.\n\nWords we use in the Agreement\n\nWe, us, and our mean the issuer shown on page\n1 of Part 1. You and your mean the person who\napplied for this Account and for whom we opened\nthe Account. You and your also mean anyone\nwho agrees to pay for this Account. You are the\nBasic Cardmember. You may request a card for\nan Additional Cardmember (see About Additional\nCardmembers below).\n\nCard means any card or other device that we issue\nto access your Account. A charge is any amount\nadded to your Account, such as purchases and\nfees. A purchase is a charge for goods or services.\nTo pay by a certain date means to send your\npayment so that we receive it and credit it to your\nAccount by that date (see About your payments\nbelow).\n\nAbout your card\nEligibility\n\nEligibility for your Account is limited to residents of Latin America and the Caribbean, excluding Puerto\nRico and the United States Virgin Islands.\n\nChanging residence\n\nYou must notify us immediately if you change your residence to a country outside of Latin America and\nthe Caribbean, excluding Puerto Rico and the United States Virgin Islands.\nWe may cancel your Account if we determine that you no longer reside in Latin America and the\nCaribbean, excluding Puerto Rico and the United States Virgin Islands.\n\nAbout using your card\nUsing the card\n\nYou may use the card to make purchases. You\nmay also use the card at an ATM to get cash from\na checking account you designate.\nWe decide whether to approve a charge based on\nhow you spend and pay on this Account and other\naccounts you have with us and our affiliates. We\nalso consider your credit history and your personal\nresources that we know about.\nYou may arrange for certain merchants and third\nparties to store your card number and expiration\ndate, so that, for example:\n\nWe may (but are not required to) tell these\nmerchants and third parties if your expiration date\nor card number changes or if your account status\nis updated, including if your account is cancelled. If\nyou do not want us to share your updated account\ninformation, please contact us using the number on\nthe back of your card.\nKeep your card safe and don\'t let anyone else use\nit. If your card is lost or stolen or your Account is\nbeing used without your permission, contact\nus right away. You may not use your Account for\nillegal activities.\n\n\xe2\x80\xa2 the merchant may charge your account at\nregular intervals; or\n\xe2\x80\xa2 you may make charges using that stored card\ninformation.\n\nPromise to pay\n\nDeclined transactions\n\nVersion 1122676\n\nYou promise to pay all charges, including:\n\xe2\x80\xa2 charges you make, even if you do not present your card or sign for the transaction,\n\xe2\x80\xa2 charges that other people make if you let them use your Account,\n\xe2\x80\xa2 charges that Additional Cardmembers make or permit others to make, and\n\xe2\x80\xa2 any amounts guaranteed by the use of the card.\nWe may decline to authorize a charge. Reasons\nWe are not responsible for any losses you incur\nwe may do this include suspected fraud and our\nif we do not authorize a charge. And we are not\nassessment of your creditworthiness. This may\nresponsible if any merchant refuses to accept the\noccur even if your Account is not in default.\ncard.\n\nPage 1 of 5\n\n\x0cAbout Additional Cardmembers\n\nAt your request, we may issue cards to Additional\nCardmembers. They do not have accounts with us\nbut they can use your Account subject to the terms\nof this Agreement. We may report an Additional\nCardmember\'s use of your Account to credit\nreporting agencies.\nYou are responsible for all use of your Account by\nAdditional Cardmembers and anyone they allow\nto use your Account. You must pay for all charges\nthey make.\nYou authorize us to give Additional Cardmembers\ninformation about your Account and to discuss it\nwith them.\n\nIf you want to cancel an Additional Cardmember\'s\nright to use your Account (and cancel their card)\nyou must tell us.\nIf an Annual Membership fee applies for an\nAdditional Card, please refer to the refund policy\ndisclosed in the Closing your Account sub-section\nof your Cardmember Agreement. If a single\nAnnual Membership fee applies for a group of\nAdditional Cards on your Account, this policy\nwill apply when you cancel the first or oldest\nAdditional Card. If an Annual Membership fee\napplies to Additional Cards on your Account, it is\nshown on page 2 of Part 1 of the Cardmember\nAgreement.\n\nAbout your payments\nWhen you must pay\n\nYou must pay no later than the Payment Due Date\nto avoid a late payment fee. Each statement also\nstates the time and manner by which you must\nmake your payment for it to be credited as of the\nsame day it is received.\n\nEach statement also shows a Closing Date. The\nClosing Date is the last day of the billing period\ncovered by the statement. Each Closing Date\nis about 30 days after the previous statement \'s\nClosing Date.\n\nHow to make payments\n\nMake payments to us in U.S. dollars with:\n\xe2\x80\xa2 a single check drawn on a U.S. bank, or\n\xe2\x80\xa2 a single negotiable instrument clearable through\nthe U.S. banking system, for example a money\norder, or\n\xe2\x80\xa2 an electronic payment that can be cleared\nthrough the U.S. banking system.\n\nyour billing statement. If we receive it after that\ntime, we will credit the payment on the day after\nwe receive it.\n\nWhen making a payment by mail:\n\xe2\x80\xa2 make a separate payment for each Account,\n\xe2\x80\xa2 mail your payment to the address shown on the\npayment coupon on the billing statement, and\n\xe2\x80\xa2 write the Account number on your check or\nnegotiable instrument and include the payment\ncoupon.\nIf your payment meets the above requirements, we\nwill credit it to the Account as of the day we receive\nit, as long as we receive it by the time disclosed in\n\nHow we apply payments and credits\n\nIf your payment does not meet the above\nrequirements, there may be a delay in crediting\nthe Account. This may result in late fees (see\nHow Fees Work on page 2 of Part 1).\nWe will not accept a payment made in a foreign\ncurrency or a payment drawn on an account at a\nbank located outside of the U.S.\nIf we process a late payment, a partial payment,\nor a payment marked with any restrictive\nlanguage, that will have no effect on our rights\nand will not change this Agreement.\n\nSubject to applicable law, we will apply payments and credits among charges in any order we choose.\n\nOther important information\nConverting charges made in a\nforeign currency\n\nIf you make a charge in a foreign currency, we will convert it into U.S. dollars on the date we or our\nagents process it. Unless a particular rate is required by law, we will choose a conversion rate that is\nacceptable to us for that date. The rate we use is no more than the highest official rate published by a\ngovernment agency or the highest interbank rate we identify from customary banking sources on the\nconversion date or the prior business day. This rate may differ from rates that are in effect on the date of\nyour charge. We will bill charges converted by establishments (such as airlines) at the rates they use.\n\nChanging your billing address\n\nYou must notify us immediately if you change the:\n\xe2\x80\xa2 mailing address to which we send billing\nstatements; or\n\xe2\x80\xa2 e-mail address to which we send notice that your\nbilling statement is available online.\n\nClosing your Account\n\nIf you have more than one account, you need to\nnotify us separately for each account.\nWe may update your billing address if we receive\ninformation that it has changed or is incorrect.\n\nYou may close your Account by calling us or writing to us.\nIf an Annual Membership fee applies, we will refund this fee if you notify us that you are voluntarily\nclosing your Account within 30 days of the Closing Date of the billing statement on which that fee\nappears. For cancellations after this 30 day period, the Annual Membership fee is non-refundable. If\nan Annual Membership fee applies to your Account, it is shown on page 1 and page 2 of Part 1 of the\nCardmember Agreement.\n\nCancelling or suspending your\nAccount\n\nWe may:\n\xe2\x80\xa2 cancel your Account,\n\xe2\x80\xa2 suspend the ability to make charges,\n\xe2\x80\xa2 cancel or suspend any feature on your Account,\nand\n\xe2\x80\xa2 notify merchants that your Account has been\ncancelled or suspended.\nIf we do any of these, you must still pay us for all\ncharges under the terms of this Agreement.\n\nVersion 1122676\n\nPage 2 of 5\n\nWe may do any of these things at our discretion,\neven if you pay on time and your Account is not in\ndefault.\nIf your Account is cancelled, you must destroy\nyour cards.\nWe may agree to reinstate your Account after a\ncancellation. If we do this, we may:\n\xe2\x80\xa2 reinstate any additional cards issued on your\nAccount,\n\xe2\x80\xa2 charge you any applicable annual fees, and\n\xe2\x80\xa2 charge you a fee for reinstating the Account.\n\n\x0cAbout default\n\nCollection costs\nCredit reports\n\nSending you notices\nWe may contact you\n\nAbout insurance products\n\nWe may consider your Account to be in default if:\nIf we consider your Account in default, we may:\n\xe2\x80\xa2 suspend your ability to make charges, and\n\xe2\x80\xa2 you violate a provision of this Agreement,\n\xe2\x80\xa2 cancel or suspend any feature on your\n\xe2\x80\xa2 you give us false information,\nAccount.\n\xe2\x80\xa2 you file for bankruptcy,\n\xe2\x80\xa2 you default under another agreement you have\nwith us or an affiliate,\n\xe2\x80\xa2 you become incapacitated or die, or\n\xe2\x80\xa2 we believe you are unable or unwilling to pay\nyour debts when due.\nYou agree to pay all reasonable costs, including attorneys\' fees, that we incur to collect amounts you\nowe.\nYou agree that we will obtain credit reports about you, investigate your ability to pay, and obtain\ninformation about you from other sources including information to verify and re-verify your employment\nand income. And you agree that we will use such information for any purposes (for example, marketing to\nyou or evaluating you for a new account), subject to applicable law.\nYou agree that we will give information about the Account to credit reporting agencies. We will tell a credit\nreporting agency if you fail to comply with any term of this Agreement. This may have a negative impact\non your credit report.\nIf you believe information we have given to a credit reporting agency is incorrect, write to us at: American\nExpress Credit Bureau Unit, P.O. Box 981537, El Paso, TX 79998-1537. When you write to us, tell us the\nspecific information you believe is incorrect.\nWe mail you notices through the U.S. mail, postage prepaid, and address them to you at the latest billing\naddress on our records. Any notice that we send you this way is deemed to be given when deposited in\nthe U.S. mail.\nServicing and Collections\nIf we need to contact you to service your account or to collect amounts you owe, you authorize us (and\nour affiliates, agents and contractors, such as debt collection agencies and service providers) to contact\nyou at any phone number or email address you provide, from which you contact us, or at which we\nbelieve we can reach you. We may contact you in any way, such as calling, texting, emailing, sending\nmobile application push notifications or using any other method of communication permitted by law. We\nmay contact you using an automated dialer or prerecorded messages. We may contact you on a mobile,\nwireless or similar device, even if you are charged for it.\nCall monitoring\nWe may monitor and record any calls between you and us.\nWe or our affiliates may tell you about insurance and non-insurance products, services or features that\nmay have a fee. One of our affiliates may act on behalf of a provider of these products. The affiliate may\nbe compensated for this. The insurance products are not offered or sold by us or on our behalf. Our\naffiliates may get additional compensation when AMEX Assurance Company or another affiliate is the\ninsurer or reinsurer. Compensation may influence what products and providers we or our affiliates tell you\nabout.\nWe may share information about you with our affiliates so they can identify products that may interest\nyou. We may be compensated for this information.\n\nHow we handle electronic debits\nfrom your checking account\n\nPrivacy Act of 1974 notice\n\nChange the benefits\nAssigning the Agreement\nAssigning claims\n\nWe do not waive our rights\nGoverning law\n\nVersion 1122676\n\nWhen you pay us by check, you authorize us to\nIf we do this, your payment may be deducted from\nelectronically deduct the amount from your bank or\nyour bank or other asset account on the same\nother asset account.\nday we receive your check. Also, you will not\nWe may process the check electronically by\nreceive that cancelled check with your bank or\ntransmitting to your financial institution:\nasset account billing statement.\n\xe2\x80\xa2 the amount,\nIf we cannot collect the funds electronically, we\n\xe2\x80\xa2 the routing number,\nmay issue a draft against your bank or other asset\nthe\naccount\nnumber,\nand\n\xe2\x80\xa2\naccount for the amount of the check.\n\xe2\x80\xa2 the check serial number.\nSome federal agencies may accept the card under authority of statute. When you make charges at these\nagencies, we collect certain charge information. That information may be put to routine uses, such as\nprocessing, billing and collections. It may also be aggregated for reporting, analysis and marketing use.\nOther routine uses by agencies may be published in the Federal Register.\nWe have the right to add, modify or delete any benefit or service of your Account at our discretion.\nWe may sell, transfer or assign this Agreement and your Account. We may do so at any time without\nnotifying you. You may not sell, assign or transfer your Account or any of your obligations under this\nAgreement.\nIf you dispute a charge with a merchant, we may\nYou agree that you will not pursue any claim\ncredit the Account for all or part of the disputed\nagainst the merchant for the credited amount.\ncharge. If we do so, you assign and transfer to us\nAnd you must cooperate with us if we decide to\nall rights and claims (excluding tort claims) against\ndo so.\nthe merchant.\nWe may choose to delay enforcing or to not exercise rights under this Agreement. If we do this, we do not\nwaive our rights to exercise or enforce them on any other occasion.\nNew York law and federal law govern this\nWe are located in New York. We hold your\nAgreement and your Account. They govern without\nAccount in New York. We entered into this\nregard to internal principles of conflicts of law.\nAgreement with you in New York.\n\nPage 3 of 5\n\n\x0cClaims Resolution\nMost customer concerns can be resolved by\ncalling our Customer Service Department at the\nnumber listed on the back of your card. In the\nevent Customer Service is unable to resolve\na complaint to your satisfaction, this section\nexplains how claims can be resolved through\nmediation, arbitration or litigation. It includes\nan arbitration provision. You may reject the\narbitration provision by sending us written\nnotice within 45 days after your first card\npurchase. See Your Right to Reject Arbitration\nbelow.\nFor this section, you and us includes any\ncorporate parents, subsidiaries, affiliates or\nrelated persons or entities. Claim means any\ncurrent or future claim, dispute or controversy\nrelating to your Account(s), this Agreement, or\nany agreement or relationship you have or had\nwith us, except for the validity, enforceability\nor scope of the Arbitration provision. Claim\nincludes but is not limited to: (1) initial claims,\ncounterclaims, crossclaims and third-party claims;\n(2) claims based upon contract, tort, fraud,\nstatute, regulation, common law and equity;\n(3) claims by or against any third party using\nor providing any product, service or benefit in\nconnection with any account; and (4) claims that\narise from or relate to (a) any account created\nunder any of the agreements, or any balances on\nany such account, (b) advertisements, promotions\nor statements related to any accounts, goods or\nservices financed under any accounts or terms\nof financing, (c) benefits and services related\nto card membership (including fee-based or\nfree benefit programs, enrollment services and\nrewards programs) and (d) your application for\nany account. You may not sell, assign or transfer\na claim.\nSending a Claim Notice\nBefore beginning a lawsuit, mediation or\narbitration, you and we agree to send a written\nnotice (a claim notice) to each party against\nwhom a claim is asserted, in order to provide\nan opportunity to resolve the claim informally or\nthrough mediation. Go to americanexpress.com/\nclaim for a sample claim notice. The claim notice\nmust describe the claim and state the specific\nrelief demanded. Notice to you may be provided\nby your billing statement or sent to your billing\naddress. Notice to us must include your name,\naddress and Account number and be sent to\nAmerican Express ADR c/o CT Corporation\nSystem, 28 Liberty Street, New York, New York\n10005. If the claim proceeds to arbitration, the\namount of any relief demanded in a claim notice\nwill not be disclosed to the arbitrator until after the\narbitrator rules.\nMediation\nIn mediation, a neutral mediator helps parties\nresolve a claim. The mediator does not decide the\nclaim but helps parties reach agreement.\nBefore beginning mediation, you or we must\nfirst send a claim notice. Within 30 days after\nsending or receiving a claim notice, you or we\nmay submit the claim to JAMS (1-800-352-5267,\njamsadr.com) or the American Arbitration\nAssociation ("AAA") (1-800-778-7879, adr.org) for\nmediation. We will pay the fees of the mediator.\nAll mediation-related communications are\nconfidential, inadmissible in court and not subject\nto discovery.\n\nVersion 1122676\n\nAll applicable statutes of limitation will be tolled\nfrom the date you or we send the claim notice\nuntil termination of the mediation. Either you or\nwe may terminate the mediation at any time.\nThe submission or failure to submit a claim to\nmediation will not affect your or our right to elect\narbitration.\n\nsimilarly situated.\n\nArbitration\nYou or we may elect to resolve any claim by\nindividual arbitration. Claims are decided by a\nneutral arbitrator.\nIf arbitration is chosen by any party, neither\nyou nor we will have the right to litigate that\nclaim in court or have a jury trial on that\nclaim. Further, you and we will not have\nthe right to participate in a representative\ncapacity or as a member of any class\npertaining to any claim subject to arbitration.\nArbitration procedures are generally simpler\nthan the rules that apply in court, and\ndiscovery is more limited. The arbitrator\'s\nauthority is limited to claims between you\nand us alone. Claims may not be joined\nor consolidated unless you and we agree\nin writing. An arbitration award and any\njudgment confirming it will apply only to\nthe specific case and cannot be used in any\nother case except to enforce the award. The\narbitrator\'s decisions are as enforceable\nas any court order and are subject to very\nlimited review by a court. Except as set forth\nbelow, the arbitrator\'s decision will be final\nand binding. Other rights you or we would\nhave in court may also not be available in\narbitration.\n\nArbitration Procedures\nThis Arbitration provision is governed by\nthe FAA. The arbitrator will apply applicable\nsubstantive law, statutes of limitations and\nprivileges. The arbitrator will not apply any\nfederal or state rules of civil procedure or\nevidence in matters relating to evidence\nor discovery. Subject to the Limitations on\nArbitration, the arbitrator may otherwise award\nany relief available in court. You and we agree\nthat the arbitration will be confidential. You\nand we agree that we will not disclose the\ncontent of the arbitration proceeding or its\noutcome to anyone, but you or we may notify\nany government authority of the claim as\npermitted or required by law.\n\nInitiating Arbitration\nBefore beginning arbitration, you or we must first\nsend a claim notice. Claims will be referred to\neither JAMS or AAA, as selected by the party\nelecting arbitration. Claims will be resolved\npursuant to this Arbitration provision and the\nselected organization\'s rules in effect when\nthe claim is filed, except where those rules\nconflict with this Agreement. If we choose the\norganization, you may select the other within\n30 days after receiving notice of our selection.\nContact JAMS or AAA to begin an arbitration\nor for other information. Claims also may be\nreferred to another arbitration organization if\nyou and we agree in writing or to an arbitrator\nappointed pursuant to section 5 of the Federal\nArbitration Act, 9 U.S.C. \xc2\xa7\xc2\xa7 1-16 (FAA).\nWe will not elect arbitration for any claim you\nfile in small claims court, so long as the claim is\nindividual and pending only in that court. You or\nwe may otherwise elect to arbitrate any claim\nat any time unless it has been filed in court\nand trial has begun or final judgment has been\nentered. Either you or we may delay enforcing\nor not exercise rights under this Arbitration\nprovision, including the right to arbitrate a claim,\nwithout waiving the right to exercise or enforce\nthose rights.\nLimitations on Arbitration\nIf either party elects to resolve a claim by\narbitration, that claim will be arbitrated on\nan individual basis. There will be no right or\nauthority for any claims to be arbitrated on\na class action basis or on bases involving\nclaims brought in a purported representative\ncapacity on behalf of the general public,\nother cardmembers or other persons\nPage 4 of 5\n\nNotwithstanding any other provision and\nwithout waiving the right to appeal such\ndecision, if any portion of these Limitations on\nArbitration is deemed invalid or unenforceable,\nthen the entire Arbitration provision (other than\nthis sentence) will not apply.\n\nIf your claim is for $10,000 or less, you\nmay choose whether the arbitration will be\nconducted solely on the basis of documents,\nthrough a telephonic hearing, or by an inperson hearing. At any party\'s request, the\narbitrator will provide a brief written explanation\nof the award. The arbitrator\'s award will be\nfinal and binding, subject to each party\'s right\nto appeal as stated in this section and/or\nto challenge or appeal an arbitration award\npursuant to the FAA. To initiate an appeal, a\nparty must notify the arbitration organization\nand all parties in writing within 35 days\nafter the arbitrator\'s award is issued. The\narbitration organization will appoint a threearbitrator panel to decide anew, by majority\nvote based on written submissions, any aspect\nof the decision objected to. The appeal will\notherwise proceed pursuant to the arbitration\norganization\'s appellate rules. Judgment\nupon any award may be entered in any court\nhaving jurisdiction. At your election, arbitration\nhearings will take place in the federal judicial\ndistrict of your residence.\nArbitration Fees and Costs\nYou will be responsible for paying your share\nof any arbitration fees (including filing,\nadministrative, hearing or other fees), but only\nup to the amount of the filing fees you would\nhave incurred if you had brought a claim in\ncourt. We will be responsible for any additional\narbitration fees. At your written request, we\nwill consider in good faith making a temporary\nadvance of your share of any arbitration fees,\nor paying for the reasonable fees of an expert\nappointed by the arbitrator for good cause.\nAdditional Arbitration Awards\nIf the arbitrator rules in your favor for an\namount greater than any final offer we made\nbefore the final hearing in arbitration, the\narbitrator\'s award will include: (1) any money to\nwhich you are entitled, but in no case less than\n$5,000; and (2) any reasonable attorneys\' fees,\ncosts and expert and other witness fees.\nYour Right to Reject Arbitration\nYou may reject this Arbitration provision by\n\n\x0csending a written rejection notice to us at:\nAmerican Express, P.O. Box 981556, El Paso,\nTX 79998. Go to americanexpress.com/reject\nfor a sample rejection notice. Your rejection\nnotice must be mailed within 45 days after your\nfirst card purchase. Your rejection notice must\nstate that you reject the Arbitration provision and\ninclude your name, address, Account number\nand personal signature. No one else may sign\nthe rejection notice. If your rejection notice\ncomplies with these requirements, this Arbitration\nprovision and any other arbitration provisions\nin the cardmember agreements for any other\ncurrently open American Express accounts you\nhave will not apply to you, except for\n\nVersion 1122676\n\nCorporate Card accounts and any claims subject\nto pending litigation or arbitration at the time\nyou send your rejection notice. Rejection of\nthis Arbitration provision will not affect your\nother rights or responsibilities under this Claims\nResolution section or the Agreement. Rejecting\nthis Arbitration provision will not affect your\nability to use your card or any other benefit,\nproduct or service you may have with your\nAccount.\nContinuation\nThis section will survive termination of your\nAccount, voluntary payment of your Account\nbalance, any legal proceeding to collect a debt,\nany bankruptcy and any sale of your Account (in\n\nPage 5 of 5\n\nthe case of a sale, its terms will apply to\nthe buyer of your Account). If any portion\nof this Claims Resolution section, except\nas otherwise provided in the Limitations on\nArbitration subsection, is deemed invalid\nor unenforceable, it will not invalidate the\nremaining portions of this Claims Resolution\nsection.\n\n\x0c'


b'VISA CREDIT CARD AGREEMENT\nIn this Agreement the words "you" and "your" mean each and all of those who agree to be\nbound by this Agreement; "Card" means the VISA credit card and any duplicates, renewals,\nor substitutions the Credit Union issues to you; "Account" means your VISA credit card line of\ncredit account with the Credit Union, and "Credit Union" means the Credit Union whose name\nappears on this Agreement or anyone to whom the Credit Union transfers this Agreement.\n\nCash Advances -The FINANCE CHARGE on Cash Advances is calculated in accordance\nwith the following method: A Finance charge will be imposed on Cash Advances from the date\nmade or from the first day in which the Cash Advance is posted to your account, whichever\nis later, and will continue to accrue on the average daily balance of such Cash Advances until\nthe balance is paid in full. There is no grace period on Cash Advances.\n\nIt is understood and agreed that the Credit Union has appointed CC4MBRS (the "Servicer")\nas the Credit Union\'s agent to assist with the servicing of your Account. As result of such\nagreement, it is understood and agreed that the Credit Union may share information regarding\nyou and your Account with the Servicer from time to time as the Credit Union deems\nnecessary, in its sole discretion, for the Servicer to perform its obligations to the Credit Union.\nAdditionally, you may receive communications and disclosures from the Servicer on the Credit\nUnion\'s behalf and any and all communications and disclosures from the Servicer shall be\nconsidered authorized from the Credit Union under this Agreement.\n\nPurchases -The FINANCE CHARGE on Purchases is calculated in accordance with the\nfollowing method: A FINANCE CHARGE will be imposed on Purchases only if you elect not\nto pay the entire New Balance shown on your monthly statement for the previous billing cycle\nwithin twenty five (25) days from the closing date of that statement.\n\n1. Using Your Account. If you are approved for an Account, the Credit Union will establish\na line of credit for you and notify you of your credit limit. You agree that your credit limit is the\nmaximum amount (purchases, cash advances, finance charges, plus "other charges") that\nyou will have outstanding on your Account at any time. If you are over your credit limit, you\nmust pay the amount you are over before payments will begin to restore your credit limit. You\nmay request an increase in your credit limit only by a method acceptable to the Credit Union.\nThe Credit Union has the right to reduce your credit limit, refuse to make an advance and/or\nterminate your Account at any time for any reason not prohibited by law.\n2. Using Your Card. You may use your Card to make purchases from merchants and others\nwho accept VISA Cards. However, you may not use your Card to initiate any type of electronic\ngambling transaction through the Internet. A VISA card may not be used for any illegal\ntransaction(s). Consult your legal counsel to determine the legality of specific online gambling\ntransactions. If you wish to pay for goods or services over the Internet, you may be required\nto provide card member security information before you will be permitted to complete the\ntransaction. In addition, you may obtain cash advances from the Credit Union and from other\nfinancial institutions that accept VISA Cards, and from some automated teller machines\n(ATMs). (Not all ATMs accept VISA Cards.) To obtain cash advances from an ATM, you must\nuse the Personal Identification Number (PIN) that is issued to you for use with your Card.\n3. Responsibility. You agree to pay all charges (purchases and cash advances) to your\nAccount that are made by you or anyone whom you authorize to use your Account. You also\nagree to pay all finance charges and other charges added to your Account under the terms of\nthis Agreement or another agreement you made with the Credit Union. If this is a joint Account,\nSection 17 below also applies to your Account.\n4. Finance Charges. FINANCE CHARGES on your Account are calculated by applying the\napplicable monthly Periodic Rate to the average daily balances for Purchases and Cash\nAdvances. Separate average daily balances are calculated for Purchases and Cash\nAdvances. Your monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE\nfor Purchases, Balance Transfers and Cash Advances are as set forth in the Account Opening\nDisclosure provided to you under separate cover, the terms of which are incorporated herein\nby reference.\nTo get each average daily balance, the daily balances for Purchases and Cash Advances for\nthe billing cycle are added and the totals are divided by the number of days in the cycle. To\nget the daily balance for Cash Advances, new Cash Advances are added to the day\'s\nbeginning balance and payments, credits and any unpaid interest or other finance charges\nare subtracted. To get the daily balance for Purchases, new Purchases are added to the\nday\'s beginning balance and payments, credits and any unpaid interest or other finance\ncharges are subtracted; however, new Purchases are not added if you paid the entire New\nBalance for Purchases on your last statement by the end of the grace period or if you did not\nhave a Purchase balance on your last statement.\n\nIf you elect to pay less than the entire New Balance shown on your previous monthly\nstatement within that twenty five (25) day period, a Finance Charge will be imposed on the\naverage daily balance of such Purchases from the previous statement closing date and on\nnew Purchases from the date of posting to your account during the current billing cycle, and\nwill continue to accrue until the closing date of the previous statement closing date and on\nnew Purchases from the date of posting to your account during the current billing cycle, and\nwill continue to accrue until the closing date of the billing cycle preceding the date on which\nthe entire New Balance is paid in full or until the date of payment if more than twenty five (25)\ndays from the closing date.\nBalance Transfers \xe2\x80\x93 Balance transfers, as permitted by Credit Union from time to time in\nCredit Union\xe2\x80\x99s sole discretion, will be treated as Cash Advances for the purpose of all\nFINANCE CHARGES.\n5. Other Charges. The following other charges (fees) will be added to your Account, as\napplicable:\na. Over-the-Credit-Limit Fee: An over-the-limit fee will not be imposed. In the event you\nincur charges in amounts which shall cause the account indebtedness to exceed the\nauthorized credit limit by 1%, you shall pay immediately the amount by which the total\nNew Balance exceeds such maximum authorized credit.\nb. Late Payment Fee: If a payment of at least the amount of the minimum required\npayment is not received within five (5) days of the Due Date or cycle whichever comes\nfirst, a late charge in the amount of $25.00 shall be imposed. In no event will your Late\nPayment Fee exceed the amount of your minimum payment due.\nc. Return Check /Return Pre-Authorized Payments Fee: If you make any payment on\nyour Account with a check or fraft or through a pre-authorized payment, and that check,\ndraft or pre-authorized payment is returned to the Credit Union unpaid for any reason,\nyour Account will be charged a fee equal to the lesser of $25 or the required minimum\npayment. In no event will your Return Check/Return Pre-Authorized Payments Fee\nexceed the amount of your minimum payment due immediately prior to the date on\nwhich the payment was returned.\nd. Card Replacement Fee: In the event any additional or replacement cards are issued\nfor any reason other than the issuance of a renewal card, a fee in the amount of $5.00\nmay be imposed.\ne. Collection Costs: Cardholder agrees to pay all costs incurred by issuer in collecting\ncardholder\xe2\x80\x99s indebtedness or in enforcing this Agreement, including attorneys\xe2\x80\x99 fees\nand costs, as well as those costs, expenses and attorneys\xe2\x80\x99 fees incurred in appellate,\nbankruptcy, and post-judgment proceedings, except to the extent such costs, fees, or\nexpenses are prohibited by law.\nf. Balance Consolidation/Convenience Check Stop Payment Fee: $25.00.\ng. Rush Mail Fee: (Priority Handling) $25.00.\nh. Cash Advance Transaction Fee: A cash advance transaction fee will not be !\nimposed. !\n\n\x0c6. Payments. Each month you must pay at least the minimum payment shown on your\nstatement by the date specified on the statement or no later than twenty-five (25) days from\nthe statement closing date, whichever is later. If your statement says the payment is "Now\nDue," your payment is due no later than twenty-five (25) days from the statement closing date.\nYou 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\nthe minimum payment each month your Account has a balance (other than a credit balance).\nThe minimum payment is 2% of your Total New Balance, or $10.00, whichever is greater,\nplus the amount of any prior minimum payments that you have not made, and any amount\nyou are over your credit limit. The Credit Union also has the right to demand immediate\npayment of any amount by which you are over your credit limit.\n7. Payment Allocation. Subject to applicable law, your payments may be applied to what\nyou owe the Credit Union in any manner the Credit Union chooses.\n8. Security Interest You grant the Credit Union a security interest under the Uniform\nCommercial Code and under any common law rights the Credit Union may have in any goods\nYou purchase. If You give the Credit Union a specific pledge of shares by signing a separate\npledge of shares, Your pledged shares will secure Your Account. You may not withdraw\namounts that have been specifically pledged to secure Your Account until the Credit Union\nagrees to release all or part of the pledged amount. YOU GRANT US A SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT SHARE AND/OR DEPOSIT ACCOUNTS YOU\nHAVE WITH US NOW AND IN THE FUTURE TO SECURE YOUR CREDIT CARD\nACCOUNT. SHARES AND DEPOSITS IN AN IRA OR ANY OTHER ACCOUNT THAT\nWOULD LOSE SPECIAL TAX TREATMENT UNDER STATE OR FEDERAL LAW IF GIVEN\nAS SECURITY ARE NOT SUBJECT TO THE SECURITY INTEREST YOU HAVE GIVEN IN\nYOUR SHARES AND DEPOSITS. YOU MAY WITHDRAW THESE OTHER SHARES\nUNLESS YOU ARE IN DEFAULT. WHEN YOU ARE IN DEFAULT, YOU AUTHORIZE US\nTO APPLY THE BALANCE IN THESE ACCOUNTS TO ANY AMOUNTS DUE. FOR\nEXAMPLE, IF YOU HAVE AN UNPAID CREDIT CARD BALANCE, YOU AGREE WE MAY\nUSE FUNDS IN YOUR ACCOUNT(S) TO PAY ANY OR ALL OF THE UNPAID BALANCE.\nYOU ACKNOWLEDGE AND AGREE THAT YOUR PLEDGE DOES NOT APPLY DURING\nANY PERIODS WHEN YOU ARE A COVERED BORROWER UNDER THE MILITARY\nLENDING ACT. FOR CLARITY, YOU WILL NOT BE DEEMED A COVERED BORROWER,\nAND YOUR PLEDGE WILL APPLY, IF: (I) YOU ESTABLISHED YOUR CREDIT CARD\nACCOUNT WHEN YOU WERE NOT A COVERED BORROWER; OR (II) YOU CEASE TO\nBE A COVERED BORROWER. Unless otherwise prohibited by federal and/or state law,\ncollateral securing other loans You have with the Credit Union may also secure this loan,\nexcept that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement\n9. Default. You will be in default if you fail to make any minimum payment or other required\npayment by the date that it is due. You will be in default if you break any promise you make\nunder this Agreement. You will be in default if you die, file for bankruptcy or become insolvent,\nthat is, unable to pay your obligations when they become due. You will be in default if you\nmake any false or misleading statements in any credit application or credit update. You will\nalso be in default if something happens that the Credit Union believes may substantially\nreduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your\nfull Account balance without giving you notice. If immediate payment is demanded, you agree\nto continue paying finance charges, at the periodic rate charged before default, until what you\nowe has been paid, and any shares that were given as security for your Account may be\napplied towards what you owe.\nIn the event that any suit is filed against the Credit Union with respect to this Agreement, or\nany credit card issued under this Agreement, the suit shall only be brought in the courts of\nthe state of Florida.\n10. Liability for Unauthorized Use-Lost/Stolen Card Notification. You agree to notify us\nimmediately, orally or in writing at P.O. Box 310136, Tampa, FL 33680 or telephone (866)\n839-3409 twenty four (24) hours a day, seven (7) days a week, of the loss, theft, or\nunauthorized use of your Credit Card. You may be liable for the unauthorized use of your\nCredit Card. You will not be liable for unauthorized use that occurs after you notify us of the\nloss, theft, or possible unauthorized use. You will have no liability for unauthorized purchases\nmade with your credit card, unless you are grossly negligent in the handling of your card. In\nany case, your liability will not exceed $50.\n11. Changing or Terminating Your Account. The Credit Union may change the terms of\nthis Agreement 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\nyour existing Account balance as well as to future transactions.\n\n12. Credit Information. You authorize the Credit Union to investigate your credit standing\nwhen opening or reviewing your Account. You authorize the Credit Union to disclose\ninformation regarding your Account to credit bureaus and creditors who inquire about your\ncredit standing. If your account is eligible for emergency cash and/or emergency card\nreplacement 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\nrequested services(s).\n13. Merchant Disputes: Returns and Adjustments. The Credit Union is not responsible for\nthe refusal of any merchant or financial institution to honor your Card. Merchants and others\nwho honor your Card may give credit for returns or adjustments, and they will do so by sending\nthe Credit Union a credit slip which will be posted to your Account. If your credits and payments\nexceed what you owe the Credit Union, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it will be refunded upon your\nwritten request or automatically after three (3) months.\n14. Additional Benefits/Card Enhancements. The Credit Union may from time to time offer\nadditional services to your Account, such as travel accident insurance, at no additional cost\nto you. You understand that the Credit Union is not obligated to offer such services and may\nwithdraw or change them at any time.\n15. Foreign Transactions. Transactions initiated in foreign countries and/or foreign\ncurrencies will be charged to your Account in U.S. Dollars. The conversion rate to dollars will\nbe (a) a rate selected by Visa from the range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the rate Visa itself\nreceives, or (b) the government-mandated rate in effect for the applicable central processing\ndate, in each of the above instances, plus 1%. The conversion rate used on the date the\nforeign transaction is processed may differ from the rate that would have been used on the\ndate of the purchase and/or the transaction posting date.\n16. Severability. In the event that any paragraph of this Agreement or portion thereof is held\nby a court to be invalid or unenforceable for any reason, the other paragraphs and portions of\nthe Agreement shall not be invalid or unenforceable and will continue in full force and effect.\n17. Governing Law. This Agreement is governed by the Bylaws of the Credit Union, federal\nlaws and regulations, and the laws and regulations of the State of Florida, as amended from\ntime to time.\n18. Dispute Resolution. Any disputes regarding this Agreement shall be within the\njurisdiction of the court of the county in which the Credit Union\xe2\x80\x99s principal place of doing\nbusiness is located. If legal action is necessary to enforce this Agreement or collect any\namounts owing to the Credit Union or fees or charges assessed under this Agreement, the\nCredit Union has the right, subject to applicable law, to payment by you of all attorney\xe2\x80\x99s fees\nand costs, including fees on any appeal and any post-judgment actions. You agree that such\nlegal action may be filed and heard in the county and state in which the Credit Union\xe2\x80\x99s principal\nplace of doing business is located, if allowed by applicable law.\n19. Joint Accounts. If this is a joint Account, each person on the Account must sign the\nAgreement (by signing on the application). Each of you will be individually and jointly\nresponsible for paying all amounts owed under this Agreement. This means that the Credit\nUnion can require any one of you individually to repay the entire amount owed under this\nAgreement. 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\nas to all of you.\n20. Effect of Agreement. This Agreement is the contract which applies to all transactions on\nyour Account even though the sales, cash advances, credit or other slips you sign or receive\nmay contain different terms.\n21. No Waiver. The Credit Union can delay enforcing any of its rights any number of times\nwithout losing them.\n22. Statements and Notices. Statements and notices will be mailed to you at the most recent\naddress you have given the Credit Union. Notice sent to any one of you will be considered\nnotice to all.\n23. Final Expression. This Agreement is the final expression of the terms and conditions of\nthis VISA line of credit between you and the Credit Union. This written Agreement may not be\ncontradicted by evidence of any alleged oral agreement.\n24. Copy Received. You acknowledge that you have received a copy of this Agreement.\n\nEither you or the Credit Union may terminate this Agreement at any time, but termination by\nyou or the Credit Union will not affect your obligation to pay the Account balance plus any\nfinance and other charges you owe under this Agreement. You are also responsible for all\ntransactions made to your Account after termination, unless the transactions were\nunauthorized.\nThe Card or Cards you receive remain the property of the Credit Union and you must recover\nand surrender to the Credit Union all Cards upon request or upon termination of this\nAgreement whether by you or the Credit Union. If and to the extent permitted by applicable\nlaw, the Credit Union has the right to require you to pay your full Account balance at any time\nafter your Account is terminated, whether it is terminated by you or the Credit Union. If this is\na joint Account, Section 17 of this Agreement also applies to termination of the account.\n\nRevised 10/03/17\n\n\x0c'