b'DISCLOSURE OF CREDIT CARD TERMS\nPLATINUM VISA\xc2\xae AND PLATINUM REWARDS VISA\xc2\xae\nFEATURE\n\nPLATINUM VISA\xc2\xae\n\nPLATINUM REWARDS VISA\xc2\xae\n\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate\n(APR) for Purchases and\nBalance Transfers\n\nAPR for Cash Advances\n\n0% introductory rate for 6 months. After that,\nyour APR will be 8.99% to 16.99%,\n\n0% introductory rate for 6 months. After that,\nyour APR will be 9.99% to 17.99%,\n\nbased on your creditworthiness. This APR will vary\nwith the market based on the Prime Rate.\n\nbased on your creditworthiness. This APR will vary\nwith the market based on the Prime Rate.\n\n18.99%. This APR will vary with the market\nbased on the Prime Rate.\n\n19.99%. This APR will vary with the market\nbased on the Prime Rate.\n\nUp to 26.99%. This APR will vary with the market based on the Prime Rate.\n\nPenalty APR and\nWhen it Applies\n\nThis APR may be applied to your accounts if you are more than 60 days late in making your required monthly\nminimum payments. This APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest\non purchases if you pay your entire balance by the due date each month.\n\nMinimum Interest Charge\n\nNONE\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nHow Long Will the Penalty APR Apply? If your APRs are increased for the reason above, the Penalty APR\nwill apply until you make six (6) consecutive minimum payments when due.\n\nFEES\nAnnual Fee\n\nNONE\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advances\n\xe2\x80\xa2 Foreign Transaction\n\nNONE\nEither $10 or 4% of the amount of each cash advance, whichever is greater\n1% of each transaction in U.S. dollars\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nUp to $25 for a one time occurrence, unless one of the last six payments was late, in which case, the fee\nmay by up to $35. The fee will be no greater than the minimum payment imposed.\nUp to $35, but no greater than the minimum payment imposed.\n\nHow Will We Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account agreement for more details.\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you are more than 60 days late in making your required monthly payment.\nHow Will We Calculate Your Rate: After any applicable introductory rate period ends, we will establish a margin of 5.74% to 13.74% (for the Wheatland Bank Platinum\nVisa\xc2\xae) OR 6.74% to 14.74% (for the Wheatland Bank Platinum Rewards Visa\xc2\xae) based on your creditworthiness, and add this margin to the Prime Rate published in the\nWall Street Journal to determine your APR. Your APR and margin will be stated in your Cardholder Agreement if you open a credit card account.\nMilitary Lending Act Notice: 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 of 36 percent. This rate must\ninclude, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account). To receive this information and a description of your payment obligation verbally, please contact your local branch.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.\nAll Annual Percentage Rates (APRs) are based on the Prime Rate or Index Rate in effect as of the date of publication, March 2020. This information may have changed\nafter that date. To find out what may have changed, write us at 222 North Wall Street, Suite 300, Spokane, WA 99201.\nWe reserve the right to amend the Visa Credit Card Agreement as permitted by law.\nBalance transfers from existing Wheatland Bank loans or credit cards are not permitted.\n\nwheatland.bank \xe2\x80\xa2 888.896.2577 \xe2\x80\xa2 Member FDIC \xe2\x80\xa2 Equal Opportunity Lender\nREV 03/2020\n\n\x0cWheatland Bank\nCardholder Agreement\n\n(Including Federal Truth in Lending Disclosures)\n\nDear Customer:\nThis Agreement is your contract. It also contains disclosures required by the\nFederal Truth in Lending Act. Please read all of it and keep it for your records\nbecause, when you have accepted, signed or used your Card, or the Account,\nyou have agreed to the terms of the Agreement.\nWheatland Bank\nSpokane, Washington\nIn this Agreement the words you, your and yours mean the Cardholder(s). The words we, us and our\nmean Wheatland Bank and any agent through which the Account is established.\nYou do not have to sign this Agreement, but once you have accepted, signed or used the Card, or the\nAccount, the Agreement will be in force.\nThe following definitions apply to the terminology used in this Agreement and on your monthly\nstatement:\nAccount. The Visa\xc2\xae account(s) approved by us for your use which is subject to the Terms and\nConditions of this Agreement.\nAnnual Percentage Rate. The cost of your credit as a yearly rate.\nBilling Cycle. The time interval between regular monthly billing statement dates. This interval is\nconsidered to be equal intervals of time unless a billing date varies more than four (4) days from the\nregular date.\nCash Advance. Credit extended by us to you in the form of a loan made when you present the Card\nto us or to any financial institution honoring the Card, or use of any other credit instrument, device or\nautomated teller machine we make available to you.\nCard. Any Visa\xc2\xae card(s) and/or other credit card(s) subject to this agreement issued to you by us, or\nother single credit device being used from time to time upon presentation to obtain money, property,\nlabor, or services on credit. \xe2\x80\x9cCard\xe2\x80\x9d is implied when you obtain credit by using your account number\nwithout using the Card.\nCardholder. The natural person and/or legal entity to whom a credit card is issued upon the request\nor application of that natural person and/or legal entity for any purpose, or a natural person and/or\nlegal entity who has agreed with us to pay obligations arising from the issuance of such a credit card\nto another person.\nClosing Date. The date of the last day of a Billing Cycle.\nCredit Limit. The maximum amount of credit available to you as set for the Account by us from time\nto time.\nFinance Charge. The cost of credit extended to you on the Account resulting from applying the Periodic\nRate to the Average Daily Balance and the Transaction Fee for Cash Advance transactions.\nStatementCheck. A specially designed, individually prepared and personalized series of check(s) that\nallow cardholders to create and authorize a cash advance against their credit card account with the\nconvenience and negotiability of a check.\nNew Balance. The account balance outstanding on the Closing Date.\nOther Charges. Charges to your Account other than Cash Advances or Purchases. Other Charges are\nlisted in part D of the Agreement.\nPeriodic Rate. The percentage of Finance Charge imposed against a balance for a period. In this\nAgreement, a \xe2\x80\x9cDaily\xe2\x80\x9d Periodic Rate is used.\nPrevious Balance. The balance of the Account at the beginning of the Billing Cycle. (It is the same\namount that was shown as \xe2\x80\x9cNew Balance\xe2\x80\x9d on the Closing Date on the statement for the preceding\nBilling Cycle.)\nPurchases. Extensions of credit by us to you for purchases through sellers or lessors of goods, labor,\ninsurance and/or services that honor your Card and for other charges or debits.\nUser. The person(s) authorized by a Cardholder to obtain credit under an Account whether named in\nan application as a User, or otherwise.\nTERMS AND CONDITIONS\nPurchases and Cash Advances. You can use the Card for Purchases and Cash Advances. The\nmaximum advance at an automated teller machine is $510 per day. There is no minimum amount.\nYou will owe us for these amounts plus Finance Charge and Other Charges, if any, all payable in U.S.\nDollars.\nMonthly Statement. If you have an outstanding debit or credit New Balance or if there is any Finance\nCharge imposed during a Billing Cycle, we will send you a statement. You must pay us according to\nthe Terms and Conditions of the Account.\nOther Terms and Conditions (including Federal Truth in Lending Disclosure)\n(A) The conditions under which a Finance Charge will be imposed:\n(1) Purchases. A Finance Charge that will accrue from the date posted will be imposed on\nPurchase transactions posted during a Billing Cycle when the Previous Balance is not paid in full\nwithin the first 25 days of the Billing Cycle. A Finance Charge that will accrue from the first day of\nthe next billing cycle will also be imposed on Purchases included in the New Balance, when the\nentire New Balance is not paid in full within 25 days after the Closing Date. No Finance Charge\nwill be imposed on Purchases included in the New Balance when the entire New Balance is paid\nin full within 25 days after the Closing Date.\n(2) Cash Advances. A Finance Charge in the form of a Transaction Fee will be imposed on each\ntransaction for Cash Advances posted to the Account during a Billing Cycle. A Finance Charge\ncomputed on a Periodic Rate basis will also be imposed on Cash Advances from the date posted\nto the Account through the date paid. The Finance Charge accrued on Cash Advances between\nthe Closing Date of the Billing Cycle and the date your Account is credited will appear on your\nnext statement. There is no time period within which to pay to avoid the Finance Charge on Cash\nAdvances.\n\n(3) StatementChecks. StatementChecks can be used to pay for purchases, services, or to transfer\nbalances from other credit card accounts. StatementChecks cannot be used to make payments\nto the credit card account upon which they are drawn. The credit card account upon which the\nStatementChecks are drawn must be activated prior to the StatementChecks being presented for\npayment. StatementChecks are subject to all terms and conditions of cash advances. Wheatland\nBank shall not authorize payment of any StatementCheck which would cause the account balance\nto exceed the Credit Limit or is not payable according to the terms and conditions herein including,\nwithout limitation the StatementCheck expiration provision. StatementChecks expire 90 days from\nthe date printed on each StatementCheck directly below the date line. A StatementCheck not\nprocessed by Wheatland Bank on or before the printed expiration date will be returned unpaid.\n(4) If your Account is subject to a Finance Charge other than a Cash Advance Transaction Fee, then\nthe more you pay and the sooner you pay, the less your Finance Charge will be.\n(B) The method of determining the balance upon which a Finance Charge will be imposed:\n(1) We figure a portion of the Finance Charge on your Account by applying a Transaction Fee to the\namount of each Cash Advance transaction posted during the Billing Cycle.\n(2) We figure a portion of the Finance Charge on your account by applying a Periodic Rate to the\n\xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances on your account (including current transactions for\nCash Advances). To get the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances, we take the beginning\nbalance of Cash Advances on your Account each day, add any new Cash Advances, and subtract\nany payments or credits and unpaid Finance Charges. This gives us the daily balance for Cash\nAdvances. Then we add up all these daily balances for the Billing Cycle and divide by the number\nof days in the Billing Cycle. This gives us the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances.\n(3) We figure a portion of the Finance Charge on your Account by applying a Periodic Rate to\nthe \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Purchases on your Account (including current transactions for\nPurchases). To get the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Purchases, we take the beginning balance of\nPurchases on your Account each day, add any new Purchases and Other Charges (except Late\nPayment Charges), and subtract any payments or credits, unpaid Finance Charges and Late\nPayment Charges. This gives us the daily balance for Purchases. Then we add up at these daily\nbalances for the Billing Cycle and divide by the number of days in the Billing Cycle. This gives us\nthe \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Purchases. If the entire Previous Balance is paid in full within the\nfirst 25 days of the Billing Cycle, the Average Daily Balance of Purchases will be considered to\nbe $0.\n(C) How we will calculate your rate:\nPurchases and Balance Transfers. The APR for Purchases and Balance Transfers made with\nyour Card will be a variable rate and is determined by adding a margin of 5.74% to 13.74% (for\nWheatland Bank Platinum Visa\xc2\xae) or 6.74% to 14.74% (for Wheatland Bank Platinum Rewards\nVisa\xc2\xae) to the Prime Rate, based on your creditworthiness.\nCash Advances. The APR for Cash Advances made with your Card will be a variable rate and is\ndetermined by adding a margin of 15.74% (for Wheatland Bank Platinum Visa\xc2\xae) or 16.74% (for\nWheatland Bank Platinum Rewards Visa\xc2\xae) to the Prime Rate.\nPenalty APR. The Penalty APR will be a variable rate and is determined by adding a margin of\n18.74% (for Wheatland Bank Platinum Visa\xc2\xae) or 19.74% (for Wheatland Bank Platinum Rewards\nVisa\xc2\xae) to the Prime Rate; up to 26.99%\nVariable Rates. One of more of the APRs described in this document may vary monthly based on\nthe Prime Rate. Rates shall be adjusted on the first day of each billing period ("Change Date"). The\nAPR on each Change Date shall equal the highest Prime Rate published in the Wall Street Journal\non the last date of the publication in the calendar month preceding the Change Date, PLUS a\nMargin as described above. Beginning on the date a rate adjustment is effective and until the next\nChange Date, the Daily Periodic Rate then in effect will be applied to the balance in the Account to\ndetermine the Finance Charge. An adjustment in the APR applies to new cash advances, balance\ntransfers, credit purchases and other charges. An increase or decrease in the Prime Rate will\ncause an increase or decrease in the APR and may increase the amount and number of minimum\npayments. The rate of Finance Charge shall not exceed the maximum rate permitted by law, if any\nis applicable. If the Wall Street Journal does not publish the U.S. Prime Rate or if it changes the\ndefinition of the U.S. Prime Rate, we may substitute another index.\nPenalty APR. If at any time you are more than 60 days late in making the required Minimum\nPayment, we may elect to increase your Purchase, Cash Advance, and/or Balance Transfer APRs,\nincluding any Promotional Rate APR. When you make at least your minimum monthly payment on\nor before the due date for six (6) consecutive months following the rate increase to the penalty\nrate, your APR(s) will be reduced accordingly to the APR for purchases, balance transfers and/or\ncash advances in effect at the time your account returns to good standing.\nGrace Period. You will have a Grace Period on New Purchases provided you Pay in Full by the\nstatement due date. New Purchases are subject to Finance Charges if the prior statement balance\nwas not paid in full. You do not have a Grace Period on Cash Advances or Balance Transfers.\n(D) The conditions under which any other charges may be imposed:\n(1) Annual Card Fee. No Annual Card Fee will be charged to Wheatland Bank Platinum or Platinum\nRewards Visa\xc2\xae cardholders.\n(2) Replacement Card Fee. A $5.00 fee will be charged if you request a replacement card for\nreasons other than card expiration or you report your card stolen.\n(3) Cash Advance Fee. A transaction fee amounting to 4% of the amount of each current\ntransaction ($10.00 minimum per transaction) will be charged for Cash Advances posted during\nthe Billing Cycle.\n(4) Foreign Transaction Fee. A transaction fee amounting to 1% of the amount of each current\ntransaction (in U.S. Dollars) will be charged for Foreign Transactions posted during the Billing\nCycle.\n(5) Late Payment Fee. A Minimum Payment not paid within 10 days after Payment Due Date will\nbe subject to a single charge up to $25 for a single occurrence, unless of the last six payments\nwas late, in which case, the fee may be up to $35, but no greater than the minimum payment\nimposed.\n(6) Returned Payment Charge. A charge up to $35, but no greater than the minimum payment\nimposed, will be assessed to your Credit Card Account when any payment submitted by you for\npayment on the Account is returned to us unpaid.\n(7) Research and Copying Fee. A $5.00 fee will be charged for each statement copy you request.\n(8) ATM Fees. Wheatland Bank does charge a $3.00 fee for any electronic funds transfer you\nmake using your Card. If you use an ATM to obtain a cash advance and the ATM is not operated by\nus, you may be charged an ATM surcharge by the ATM operator or an ATM network utilized for such\na transaction. The ATM surcharge may be charged to your Account if you complete the transaction.\nYou will also be charged the normal Cash Advance Fee.\nwheatland.bank\nREV 03/2020\n\n\x0c(E) Monthly Statements: Each month we will send you a statement showing purchases, balance\ntransfers, cash advances, payments, and credits made to your Account during the billing cycle,\nas well as your New Balance, any FINANCE CHARGE and any late charge or other charges. Your\nmonthly statement also will identify the minimum monthly payments you must make for that\nbilling period and the date it is due. You agree to retain for statement verification, copies of\ntransaction slips resulting from each purchase, each advance, and other transactions on your\nAccount. Unless you notify us of a billing error as described below, you accept your monthly\nstatement as an accurate statement of your Account.\n(F) Minimum Payment:\n(1) The minimum payment required is the New Balance shown on your monthly statement if the\namount is equal to or less than $15.00.\n(2) If the New Balance exceeds $15.00, the minimum payment is calculated based upon the\nportion of the New Balance (3.00% of the New Balance) which does not exceed your credit limit\n(rounded up to the nearest dollar), or $15.00, whichever is greater, plus the entire portion of the\nNew Balance in excess of your credit limit, plus any amount past due, plus any outstanding late\ncharges and other fees and charges.\n(G) Paying your account: You agree that you will pay each month not less than the minimum monthly\npayment on or before the scheduled monthly due date shown on your statement. You may\npay in full for all your purchases and cash advances each month, or you may repay in monthly\ninstallments. We can accept late payments or partial payments, or checks, drafts, and money\norders marked \xe2\x80\x9cpaid in full\xe2\x80\x9d, without prejudice to our rights under this Agreement, which are\nhereby explicitly reserved.\n(H) Application of payments: Payments to your Account will be applied in the following order: previously\nbilled and unpaid FINANCE CHARGE, fees, then payments will be allocated to balances in the\nfollowing order: Cash Advances, Purchases, and then Balance Transfers.\n(I) The conditions under which we may retain or acquire any security interest in any property to\nsecure the payment of any credit extended on the Account:\n(1) If we now or hereafter hold any title, pledge or security interest in any of your property, it may\nbe that the terms of the instrument creating such title, pledge or security interest will also secure\nyour obligation on the Account.\n(2) If you have pledged or shall hereafter pledge your personal residence as collateral security\nfor any indebtedness of which we are or become the owner and holder, it is hereby understood\nthat we hereby waive any claim we might otherwise acquire against said personal residence as\ncollateral security for any obligation to us arising from your use of the Card.\n(J) Your Billing Rights: Keep This Notice for Future Use. This notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement. If you think there is an error on your\nstatement, write to us at the address shown on your bill. In your letter, give us the following\ninformation:\n\xe2\x80\xa2 Account Information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe\nis wrong and why you believe it is a mistake.\nYou must contact us within 60 days after the error appeared on your statement and at least 3\nbusiness days before an automated payment is scheduled, if you want to stop payment on the\namount you think is wrong. You must notify us of any potential errors in writing. You may call us,\nbut if you do we are not required to investigate any potential errors and you may have to pay the\namount in question.\nWhat Will Happen After We Receive Your Letter. When we receive your letter, we must do two\nthings: (1) Within 30 days, we must tell you that we received your letter. We will also tell you if\nwe have already corrected the error; and (2) Within 90 days, we must either correct the error or\nexplain why we believe the bill is correct.\nWhile we investigate whether or not there has been an error, we cannot try to collect the amount\nyou question, or report you as delinquent. The charge in question may remain on your statement,\nand we may continue to charge you interest on that amount. While you do not have to pay the\namount in question, you are responsible for the remainder of your balance. We can apply any\nunpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen: (1) If we made a mistake: You will\nnot have to pay the amount in question or any interest or other fees related to that amount; or (2)\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with\napplicable interest and fees. We will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do not pay the amount we think you\nowe. If you receive our explanation but still believe your bill is wrong, you must write to us within\n10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must tell you the name of anyone\nto whom we reported you as delinquent, and we must let those organizations know when the\nmatter has been settled between us. If we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are dissatisfied with\nthe goods or services that you have purchased with your credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may have the right not to pay the remaining\namount due on the purchase. To use this right, all of the following must be true:\n(a) The purchase must have been made in your home state or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an advertisement we mailed to you, or if\nwe own the company that sold you the goods or services.)\n(b) You must have used your credit card for the purchase. Purchases made with cash advances\nfrom an ATM or with a check that accesses your credit card account do not qualify.\n(c) You must not yet have fully paid for the purchase.\n\nADDITIONAL PROVISIONS\nYou also agree to all of the following:\nOwnership of Cards. Any Card or other credit instrument or device which we supply to you is our\nproperty and must be returned to us immediately upon demand. If we ask, you will destroy the\nCard by cutting it in half, and will surrender it to us, mail it to us, or drop it off at any of our offices\nthat we direct.\nLiability. You, as an Account Holder, will be liable for all credit obtained under the Account(s),\nwhether obtained by you or by a User of the Account. If there is more than one Account Holder, then\neach will be liable, jointly and severally, for all credit obtained under the Account(s). In the case of\na business Account, the Business Owner and the Business shall be jointly and severally liable for\nall charges on the Account.\nCredit Limit. You will not use the Card to obtain credit in excess of the amount of the Credit Limit\navailable to you on an Account.\nLoss or Theft of Card. You will notify us immediately of the loss or theft, or the use without your\npermission, of any Card or other credit instrument or device which we supply you by calling\n844.630.3737.\nLiability of Cardholder for Unauthorized Use. Under Visa\xe2\x80\x99s Zero Liability policy, you are not liable\nfor fraudulent purchase transactions processed over the Visa\xc2\xae network.\nTransactions. You will retain for statement verification your copy of each slip (ticket/draft) resulting\nfrom each Purchase, Cash Advance and other transaction on your Account. We will provide you\nwith photographic or other documentary evidence of each transaction upon your reasonable\nrequest or upon proper written notice of a billing error.\nTermination. Either you or we may terminate or suspend your credit privileges under this Agreement\nat any time. The provisions of this Agreement shall otherwise remain in full force and effect until\nyou pay all sums due us.\nTransfer of Account. You cannot transfer an Account to any other person.\nHonoring of Card. We will not be responsible for the failure or refusal of anyone to honor the Card\nor any other credit instrument or device we supply to you.\nRefunds. If a seller agrees to give you a refund or adjustment, you will accept a credit slip for your\nAccount in lieu of a cash refund.\nChange of Address. You will advise us promptly if you change your mailing address. All written\nnotices and statements by us to you will be sent to your address as it appears on our records.\nCredit Reports. You authorize us to make or have made any credit, employment and investigative\ninquiries as we deem appropriate for the extension or combination of credit or collection of\namounts owing on the Account. We can furnish information concerning your Account or credit file\nto consumer reporting agencies, and others who may properly receive that information.\nIrregular Payments. We can accept late payments or partial payments, or checks and money\norders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without losing any of our rights under this Agreement.\nDefault. You will be in default on this Agreement if you do not make at least the Minimum Payment\non or before the Payment Due Date, you try to exceed or do exceed your Credit Limit without our\npermission, become subject to bankruptcy or insolvency proceedings, attachment or garnishment\nproceedings are instituted against you or your property, we reasonably deem ourself insecure,\nyou provide us with false information or signature, die or fail to comply with any provision of this\nAgreement. Acceptance of a payment or Late Payment after a Payment Due Date or after you have\nexceeded your Credit Limit does not waive the default. Default on any Account or other obligation\nthat you have with us will constitute default on all Accounts with us. If you are in default, we may,\nat our option, declare the entire balance due without notice or demand.\nDefault Charges. You must pay all costs, disbursements and reasonable attorneys\xe2\x80\x99 fees incurred\nby us in legal proceedings to collect and enforce the debt on this Account in the event of default by\nyou or in the event of a breach of any obligation by you under this Agreement.\nDelay in Enforcement. We can delay enforcing our rights under this Agreement without losing\nthem.\nChanging of Our Agreement. We may change the terms or amend this Agreement at any time.\nWe may do so by adding, deleting or changing provisions of this Agreement. We may increase or\ndecrease any or all of your APRs, including any Promotional APRs. When we amend this Agreement\nwe will comply with State and Federal Regulations that are in effect at that time. APR increases\nwill not impact existing balances unless you are more than 60 days late with a payment. If an\namendment to this Agreement gives you the opportunity to reject the change, and if you reject\nthe change in the manner provided in such amendment, we may terminate your right to receive\ncredit and we may ask you to return your cards and/or access checks or other credit devices as a\ncondition of your rejection. We may replace your card with another card at any time.\nForeign Transactions. If you use your Card for Purchases or Cash Advances in a currency other\nthan U.S. dollars, the transaction amount will be converted to U.S. dollars by Visa\xc2\xae International,\nInc. under their rules set forth from time to time. Currently, the rules specify that the currency\nconversion rate is a rate selected by Visa\xc2\xae from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary from the rate Visa\xc2\xae itself\nreceives, or the government-mandated rate in effect for the applicable central processing date. If\na credit is subsequently given for a transaction in a currency other than U.S. dollars and the credit\nhas a different processing date, then the converted amount of the credit may be greater/less than\nthe converted amount of the original transaction. The currency conversion rate on the day before\nthe transaction processing date will be used and may differ from the rate in effect at the time of the\noriginal transaction. You agree to accept the converted amount in U.S. dollars. Visa also charges\nup to a 1% International Transaction Fee on all Card transactions made at a location outside of\nthe United States. This fee is assessed by Visa\xc2\xae on all international purchases, credit vouchers,\nand cash disbursements, whether or not a currency conversion is involved, and will appear on your\nstatement as a separate transaction in U.S. dollars.\nIllegal Activity. Visa\xc2\xae credit cards may not be used for any illegal activity. Display of a Visa\xc2\xae logo\nby an online merchant does not mean that transactions are lawful in all jurisdictions in which\ncardholders may be located.\nSeverability. If any provision of this Agreement is held invalid, all valid provisions that are severable\nfrom the invalid provision remain in effect.\nGoverning Law. This agreement is governed by the laws of the state of Washington (without regards\nto its conflict of laws principles) and by any applicable federal laws.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in\nwriting at the address shown on your monthly billing statement. While we investigate, the same\nrules apply to the disputed amount as discussed above. After we finish our investigation, we will\ntell you our decision. At that point, if we think you owe an amount and you do not pay, we may\nreport you as delinquent.\n\nwheatland.bank\nREV 03/2020\n\n\x0c'


b'was made from a plan merchant in your state or within 100 miles of your\nhome; and only if you have made a good faith attempt, but have been unable\nto obtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We do not warrant any merchandise\nor services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at\nthe most recent postal address or e-mail address (if you have elected to\nreceive such documents via electronic means) you have given us. Notice\nsent to any one of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and\nstate law in the state in which we are primarily located, and the venue shall\nbe located in the county and state in which we are primarily located.\nOperating regulations of Visa or MasterCard may also apply. This Agreement\nis the contract that applies to all transactions even though the sales, cash\nadvance, convenience check, credit or other slips you sign or receive may\ncontain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under\nthe 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(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if\nyou do, we are not required to investigate any potential errors and you may\nhave to pay the amount in question.\n\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question\nor any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and fees. We will\nsend you a statement of the amount you owe and the date payment is\ndue. We may then report you as delinquent if you do not pay the\namount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased\nwith your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount\ndue on the purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must\nhave been more than $50. (Note: Neither of these are necessary if\nyour purchase was based on an advertisement we mailed to you, or if\nwe own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that accesses\nyour credit card account do not qualify.\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\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\nLANDINGS CREDIT UNION\n2800 South Mill Avenue, Tempe, AZ 85282 Maricopa County\nCREDIT CARD AGREEMENT\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO\nACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS\nANY CREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU\nUNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE\n"CREDIT UNION" MEANS LANDINGS CREDIT UNION OR ITS\nSUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE\nTERMS AND CONDITIONS SET FORTH HEREIN.\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL\nSECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS\nYOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE\nREPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU\nALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS\nUNDER STATE AND/OR FEDERAL LAW. THE GRANTING OF THIS\nSECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF\nCREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE\nCAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and\ndeposits in an Individual Retirement Account or any other account that\nwould lose special tax treatment under state or federal law if given are not\nsubject to this security interest.\nIf you have other loans with us, collateral securing such loans may also\nsecure your obligations under this Agreement, unless that other collateral is\nyour principal residence or non-purchase money household goods.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATM machines that accept the Card, up to your\nmaximum credit limit. You agree not to present your Card or obtain a cash\nadvance for any extension of credit in excess of your available credit limit;\nhowever, if you do exceed your credit limit, you agree to make immediate\npayment sufficient to bring the balance below the credit limit. Certain\npurchases and cash advances require authorization prior to completion of the\ntransaction. In some cases, you may be asked to provide identification. If our\nsystem is not working, we may not be able to authorize a transaction, even\nthough you have sufficient credit available. Also, for security reasons, we\nmay block the use of your Card in certain countries or geographic areas. We\nwill have no liability to you or others if any of these events occur.\n\nWhat Will Happen After We Receive Your Letter\n\nPersonal Identification Number (PIN). We may issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\n\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already corrected\nthe error.\n2. Within 90 days of receiving your letter, we must either correct the error\nor explain to you why we believe the bill is correct.\n\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; (c) collection costs and attorney\xe2\x80\x99s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\n\nLASER WORD FI13216 Rev 10-2014\n\n\x0cIllegal Transactions: You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this\nAgreement. We may decline any transaction that we believe to be illegal\nunder applicable law, including but not limited to any transaction involving or\nrelating to any gambling activity. You agree that we will have no liability or\nresponsibility for any such use by you or any authorized user(s); or for\ndeclining any such transaction. You further agree to indemnify and hold us\nharmless from any suits, liability, damages or adverse action of any kind that\nresults directly or indirectly from such illegal use. You promise to pay us any\nand all amounts owing on your Card for any transactions made by you, even\nif the transaction is determined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction\nunder the account.\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\xe2\x80\x99s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with your written notice for it to be effective.\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances,\nbalance transfers or other advances, and debit adjustments and subtract any\nunpaid late charges. This gives us the daily balance. Then, we add up all the\ndaily balances for the billing cycle and divide that by the number of days in\nthe billing cycle. We then multiply that by the periodic rate corresponding to\nthe Annual Percentage Rate on your account. If you have different rates for\npurchases, cash advances or balance transfers, separate average daily\nbalances for each will be calculated and the appropriate periodic rate is then\napplied to each.\nGrace Period on Purchases Only: You can avoid Interest Charges on\npurchases by paying the full amount of the new balance for purchases each\nmonth by the date on which the payment is due. Otherwise, the new balance\nof your account, and subsequent advances from the date they are posted to\nthe account, will be subject to an Interest Charge. You cannot avoid Interest\nCharges on cash advances and balance transfers; even if you pay the entire\ncash advance balance or balance transfer balance by the payment due date,\nyou will incur the Interest Charges accrued from the date the cash advance\nor balance transfer is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-inLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. \xe2\x80\x9cUnauthorized use\xe2\x80\x9d means the use of\n\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is (800) 851-7749. You agree to follow up your call\nwith notice in writing to us at: 2800 South Mill Avenue, Tempe, AZ 85282.\nYou also agree to assist us in determining the facts, circumstances and other\npertinent information relating to any loss, theft or possible unauthorized use\nof your Card and comply with such procedures as we may require in\nconnection with our investigation.\nFor Visa cards: You will be liable for any unauthorized use only if we can\nprove that you were grossly negligent in your use or handling of your Card, or\nif we can prove that you used your Card fraudulently.\nFor MasterCard: You will have no liability for MasterCard transactions not\nauthorized by you, provided that you have exercised reasonable care in\nsafeguarding the Card from risk of loss or theft, and upon becoming aware of\nsuch loss or theft, you promptly report the loss or theft to us.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment is\nreceived by us on a business day at the address and by the time designated on\nthe billing statement, it will be credited to your account on the date of receipt. If\nthe Payment Due Date falls on a weekend or holiday, we will treat any payment\nreceived by 5:00 p.m. local time on our next business day at the address\ndesignated by us for payment on the monthly periodic statement as being\nreceived by us on the Payment Due Date. If payment is made at any location\nother than the address designated on the periodic statement, credit for such\npayment may be delayed up to five (5) days. Payments will be applied in any\norder we determine, subject to applicable law.\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be\nin default if: (1) you fail to make any payment on time; (2) if you fail to keep\nany promises you have made under this Agreement or under other\nAgreements you have with us; (3) if you die; (4) if you file a petition in\nbankruptcy or have a bankruptcy petition filed against you, or if you become\ninvolved in any insolvency, receivership or custodial proceeding; (5) if anyone\nattempts to take any of your funds held by us via legal process or if you have\na judgment or tax lien filed against you; (6) if you make any false, inaccurate,\nor misleading statements in any credit application or credit update; or (7) if\nwe, in good faith, believe that your ability to repay what you owe is or soon\nwill be impaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\xe2\x80\x99s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law.\nEven if your unpaid balance is less than your credit limit, you will have no\ncredit available during any time that any aspect of your account is in default.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may\nwithdraw or change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance\nin your account to exceed your credit limit.\n\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such\ninformation when requested by us may result in suspension of credit\nprivileges under this Agreement, including your ability to obtain any future\nadvances by any means. You authorize us to investigate your credit standing\nwhen opening or reviewing your account. You authorize us to disclose\ninformation regarding your account to credit bureau and creditors who inquire\nabout your credit standing.\nForeign Transactions; Currency Conversion. Purchases and cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any payments made for your account resulting from use of\nthe Card as well as Interest Charges and fees incurred. We may change the\nterms of this Agreement, including the method of calculating the periodic rate,\nat any time, by written notice, subject to applicable law. Use of the Card\nconstitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our rights or\nto take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment \xe2\x80\x93 you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement\nis determined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. If your credits and payments\nexceed what you owe us, the amount will be applied against future\npurchases and cash advances. If the credit balance amount is $1 or more, it\nwill be refunded upon your written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and\n\n\x0c'


b'Visa\xc2\xae Inspire Cash Back Signature Truth-In-Lending Terms and Conditions\n\nIn this Agreement the words you and your mean each and all of those who sign or use the issued Visa Card. Card means a Visa Credit\nCard and any duplicates and renewals the Credit Union issues. Account means your Visa Credit Card line of credit account with the\nCredit Union. Credit Union, we, us, and our means the Credit Union whose name appears in this Agreement.\n1. Using the Account/Credit Limit: You are approved for a Visa account. Signing and using your DuPage Credit Union Visa Card\nsignifies acceptance of the following terms and conditions. You agree not to let your account balance exceed your approved credit\nlimit. Each payment you make on the account will restore your credit limit by the amount of the payment which is applied to the\nprincipal amount of purchases and cash advances. You may request an increase in your credit limit by making a request to the Credit\nUnion. The Credit Union has the right to reduce or terminate your credit limit at any time.\n2. Responsibility: You agree to pay all charges (purchases, balance transfers and cash advances) to your Account that are made by\nyou or anyone whom you authorize to use your Account. For example, you are responsible for charges made by yourself, your\nspouse and minor children. You are responsible for charges made by anyone else to whom you give the card, and this responsibility\ncontinues until the card is recovered. You cannot disclaim responsibility by notifying us, but we will close the account for new\ntransactions if you so request and return all cards. If either party closes the account, the credit card(s) must be surrendered to the\nCredit Union. Should unauthorized use occur after the account is closed, the card will be picked up by a merchant, and you will be\nresponsible for each $50 card recovery fee. Your obligation to pay the account balance continues even though an agreement, divorce\ndecree or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the account.\nJoint Account: Each of you will be individually and jointly responsible for paying all amounts owed under this Agreement. This\nmeans that the Credit Union can require any one of you individually to repay the entire amount owed under this Agreement. Each of\nyou authorizes the other(s) to make purchases or cash advances individually. Any one of you may terminate the Account and the\ntermination will be effective to all of you.\n3. Variable Annual Percentage Rate: Your standard variable Annual Percentage Rate (APR) for purchases, balance transfers and\ncash advances may increase or decrease quarterly. For each quarter, we determine the APR by adding a margin to the U.S. Prime\nRate published in the Wall Street journal the last business day of the previous calendar quarter. When a change in the Prime Rate\noccurs, the resulting new APR\xe2\x80\x99s will apply to balances on your account starting with your next monthly billing cycle.\n4. Liability for Unauthorized Use/Lost Card Notification: You agree to notify us immediately, orally or in writing of the loss, theft or\nunauthorized use of your Credit Card. If your credit card is lost or stolen, you must notify us in writing at the address below or phone\nus. For stolen cards, include a copy of the police report. You will have no liability for unauthorized transactions made with your credit\ncard, unless you are grossly negligent in handling of your card. This additional limit on liability does not apply to ATM transactions,\nwhich are not processed by Visa, or to commercial cards.\nDuPage Credit Union, ATTN: Card Services, PO Box 3930, Naperville, Illinois 60567-3930, Telephone Number 800-323-2611\n5. Monthly Payment: Each month you must pay at least the minimum payment shown on your statement within 25 days of the\nstatement closing date. You may, of course, pay more frequently, pay more than the minimum payment, or pay the Total New\nBalance in full. If you make extra payments or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance. The minimum payment is 2% of the Total New Balance but not less than $25.00, plus the amount\nof any prior minimum payments that you have not paid. In addition, at any time your Total New Balance exceeds your credit limit, you\nmust immediately pay the excess upon demand. If your account is subject to a Balance Transfer Fee, the fee as disclosed will be\ncharged to your account in the month that the Balance Transfer is completed. This may increase your minimum monthly payment\nduring the month that the Balance Transfer Fee is assessed.\n6. Payment Allocation: Subject to applicable law, your minimum payment amount may be applied to what you owe the Credit Union\nin the following order: Finance charges, fees, previous promotional balance, balance cash, balance retail, cycle-to-date promotional,\ncycle-to-date cash, cycle-to-date retail. Any payment amount in excess of the minimum will be applied first to the card balance\nbearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest. If two or more\nbalances have the same rate of interest, the older balance is paid first, until the payment is exhausted.\n7. Finance Charges: In order to avoid a finance charge on Purchases made since your last statement date, you must pay the Total\nNew Balance shown on your statement within 25 days of the statement closing date. Otherwise, finance charges on purchases are\ncalculated from the beginning of the next statement period on previously billed but unpaid purchases and on new purchases from the\ndate they are posted to your account. Cash advances are always subject to finance charge from the date of transaction. We figure the\nfinance charge separately for purchases and cash advances on your account by applying the applicable periodic rate set forth below\nto the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of purchases (including current transactions), and to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of cash advances\n(including current transactions). To get each \xe2\x80\x9caverage daily balance\xe2\x80\x9d, we take the beginning balance each day, add any new\npurchases (if calculating the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for purchases), add any new cash advances (if calculating the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d for cash advances), and subtract any payments or credits. This gives us the daily balance. Then, we add up all the daily\nbalances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\nPage 1 of 5\n\n\x0c8. Other Fees and Charges: Other fees and charges that will be added are as shown in the table.\n9. Cash Advance/Balance Transfer Information: Cash Advances/Balance Transfers are not subject to a grace period. DuPage\nCredit Union is not responsible for any merchant delays in processing transactions. Balance Transfers cannot be used to pay other\nDuPage Credit Union obligations. Balance Transfers and cash advances do not qualify to earn cash back. The Credit Union reserves\nthe right to place a maximum limit for daily cash advance transactions. Accounts will be limited to two (2) cash advance transactions\nper 24-hour period. Cash Advances performed through an ATM have a daily maximum limit of $500 and will be limited to two (2) per\n24-hour period. Single transaction maximum limit for cash advance withdrawal at a financial institution is 25% of your credit limit.\nCash Advance Fee: The fee will be added to the appropriate advance balance with the cash advance. (The amount of the cash\nadvance may include a sur- charge that the ATM owner imposes.)\n10. Current DuPage Credit Union Visa Platinum Rewards Cardholders: Upon signing an application for a DuPage Credit Union\nInspire Cash Back Signature Visa Credit Card, all of your existing Choice Rewards Points will be converted at 1% cash back and\ntransferred to your new Inspire Cash Back Signature Card.\nUpgrading From One DuPage Credit Union Credit Card Program to Another: Upon activating your new DuPage Credit Union Credit\nCard, your old credit card will be closed and any unpaid, promotional balances will be transferred to your new DuPage Credit Union Credit\nCard at the current purchase APR.\n11. Default: You will be in default if you fail to make any minimum payment or other required payment by the date that it is due. You\nwill be in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy or become\ninsolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or misleading\nstatements in any credit application or credit update. You will also be in default if something happens which the Credit Union believes\nmay substantially reduce your ability to repay what you owe. When you are in default, the Credit Union has the right to demand\nimmediate payment of your full account balance without notice. If immediate payment is demanded, you will continue to pay finance\ncharges and fees until what you owe has been paid, and any savings that were given as security will be applied towards what you owe.\nWe may enter into a contingent or hourly fee arrangement with an attorney and/or collection agency to collect the amounts you owe us\nand you agree that such arrangement is reasonable. This provision also applies to bankruptcy, appeals or post-judgment proceedings.\nYou promise to pay all costs of collecting the amount you owe if your Visa account is in default. These costs will include reasonable\nattorney fees, court costs and/or collection agency fees and all other costs permitted under state law and regulation. If your account is\ncharged off all balances will revert to the highest APR on the account. The Credit Union reserves the right to remove all unredeemed\nInspire Cash Back dollars and block the account from earning future Inspire Cash Back dollars if you fail to make a required payment for\ntwo consecutive billing cycles, your account is not in good standing, your account is inactive for a 6-month period of time, if the cardholder(s)\nare deceased, the Credit Union detects suspicious activity or the account is closed for any reason.\n12. Using the Card: You may use the card issued to you to make purchases in person, and by mail or telephone from merchants and\nothers who accept credit cards. In addition, you may obtain cash advances from the Credit Union, from other financial institutions\nparticipating in the Visa program, and from automated teller machines (ATM\xe2\x80\x99s), such as Visa ATM network, that provide access to the\nVisa system. (Not all ATM\xe2\x80\x99s provide such access.) You will need to use your Personal Identification Number (PIN) to obtain a cash\nadvance from an ATM. Illegal Transactions: You will not use your DuPage Credit Union Visa Credit Card for any illegal transaction.\nInternet Gambling: You may use your card to purchase goods and services from participating merchants. However, you may not use\nyour card to initiate any type of electronic gambling transaction through the Internet. Also, you agree that you will not use your card for\nany transaction that is illegal under applicable federal, state, or local law.\n13. Returns and Adjustments: Merchants and others who honor the Card may give credit for returns or adjustments. If your credits and\npayments exceed what you owe us, we will hold and apply this credit balance against future purchases and cash advances, or if it is $1\nor more, refund it on your written request or automatically after 6 months.\n14. Merchant Disputes: The Credit Union is not responsible for the refusal of any merchant or financial institution to honor the card.\nThe Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the card\nif you have made a good faith attempt but have been unable to obtain satisfaction from the merchant or service provider, and (a) your\npurchase was made in response to an advertisement the Credit Union sent or participated in sending to you; or (b) your purchase\ncost more than $50 and was made in your state or within 100 miles of your home.\n15. Foreign Transactions: Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in\nU.S. dollars. The exchange rate for transactions in a foreign currency will be the rate selected by Visa from the processing date, which\nrate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date.\nThe currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date\nor cardholder statement posting date.\n16. Changing or Terminating Your Account: The Credit Union may change the terms of this Agreement from time to time after\ngiving you any advance notice required by law. Your use of the card after receiving notice of a change will indicate your agreement to\nthe change. To the extent the law permits, and indicated in the notice to you, the change will apply to your existing account balance\nas well as future transactions. Either the Credit Union or you may terminate this agreement at any time, but termination by you or the\nCredit Union will not affect your obligation to pay the account balance plus any finance charges and other charges you owe under this\nAgreement. The cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union all\nPage 2 of 5\n\n\x0ccards upon request or upon termination of this Agreement whether by you or the Credit Union. Failure to surrender your cards will\nresult in a card recovery fee of $50 each, should you attempt to use the cards.\nVisa\xc2\xae Inspire Cash Back Signature\n\nInterest Rates and Interest Charges\n\n11.49% to 20.49%\n\nAnnual Percentage Rate\n(APR) for Purchases\n\nbased on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAnnual Percentage Rate\n(APR) for Balance Transfers\n\n11.49% to 20.49% based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n13.49% to 22.49% based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nPenalty APR and When it Applies\n\nNone\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your\nentire balance by the due date each month.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\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\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit-Limit\n\xe2\x80\xa2 Returned Payment\n\nNone\n3% of the Cash Advance unless otherwise disclosed\n($5 minimum/$50 maximum fee)\nNone\nUp to $25\nNone\nUp to $25\n\nOther Fees\n\xe2\x80\xa2 Returned Convenience Check\n\xe2\x80\xa2 Expedited Card Delivery\n\xe2\x80\xa2 Card Replacement\n\n$25\n$30\n$10\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d If you fail to make two consecutive required payments on your account you\nwill be considered in default and all Inspire Cash Back Signature dollars will be forfeited.\nBalance Transfers: If the total amount you request exceeds your total credit line, we may send full or partial payment to your creditors in the order you provide them to us.\nBalance Transfers incur interest charges from the date of the transaction. The minimum Balance Transfer amount is $500. Allow at least 2 weeks for processing. If you have a dispute\nwith a creditor and pay that balance by transferring it to your new account, you may lose certain billing rights. Balance Transfers may not be used to pay off or down any account issued\nby DuPage Credit Union.\n\n17. Copies of Documentation: You will be charged a fee for each copy of a draft or monthly statement that you request from us. The\nfee will be handled by the Credit Union as an adjustment to the account balance, not as a purchase and may not be charged a\nFinance Charge.\n18. Effect of Agreement/Waiver: This agreement is the contract which applies to all transactions on your account even though the\nsales, cash advances, credit or other slips you sign or receive may contain different terms. The Credit Union can delay enforcing any\nof its rights any number of times without losing them.\n19. Statements and Notices: You will receive a statement each month showing transactions on your account. You are responsible\nfor your minimum monthly payment even in the event your statement is late or returned to the Credit Union. Statements and notices\nwill be mailed to you at the most recent address you have given the Credit Union. Notice sent to any one of you will be considered\nnotice to all.\nPage 3 of 5\n\n\x0c20. Additional Benefits/Card Enhancements: The Credit Union may from time to time offer additional services to your Account,\nsuch as travel accident insurance, at no additional cost to you. You understand that the Credit Union is not obligated to offer such\nservices and may withdraw or change them at any time.\n21. Security Interest: If you give the Credit Union a specific pledge of savings by signing a separate pledge of savings for\nthis account, your account will be secured by your pledged savings. To secure your account you grant us a purchase money\nsecurity interest under the Uniform Commercial Code in any goods you purchase through the account. If you default, we will\nhave the right to recover any of these goods that have not been paid for through our application of your payments in the\nmanner described above. Collateral securing other loans with us may also secure this account.\n22. DuPage Credit Union Inspire Cash Back Signature Program: Eligible Inspire Cash Back Signature accounts earn 3% cash\nback for every dollar spent on travel & entertainment purchases; up to a maximum spend of $10,000 annually. 3% cash back for\nevery dollar spent in restaurant purchases; up to a maximum spend of $6,000 annually. 2% cash back for every dollar spent in\ngrocery stores, supermarkets, and wholesale clubs up to a maximum spend of $6,000 annually. 2% cash back for every dollar spent\nin bookstores, including Amazon; up to a maximum spend of $6,000 annually. 1% on all other purchases; no maximum annual spend.\n$250 Inspire Cash Back Signature dollars are earned with $5,000 net spend within the first 90 days of account opening. This will be\npaid as a statement credit to the account. (DuPage Credit Union Platinum Rewards cardholders do not qualify for the New Account\n90-day $5,000 net spend earning bonus.) No cash back is earned for finance charges, fees, cash advances, convenience checks,\npayment of existing card balances, balance transfers and ATM transactions. Inspire Cash Back Signature dollars in this program\nconverted to a statement credit cannot be used to satisfy any monthly minimum payment obligation on the cardholder account.\nAnnual Spend Bonus: Inspire Cash Back Signature cardholders will earn a $250 anniversary bonus credit when you spend $50,000 in\na year. Anniversary Bonus will be paid as a statement credit one month after annual anniversary. Cash back accrued each statement\ncycle will be available for redemption at statement close date. Cash back will expire (24 months) from account opening, and will\nexpire on a rolling, first-in first-out, annual basis. For example: Any unredeemed cash back that you earned in October of 2019, will\nexpire October of 2021. Cash back can be redeemed at a minimum of $25.\n23. Military Lending Act (MLA): Important information for Covered Borrowers under the Military Lending Act, effective October 3,\n2017. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of\nconsumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent my not exceed\nan annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs\nassociated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application\nfee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other\nthan certain participation fees for a credit card account).\nFor more information, please contact DuPage Credit Union at 800-323-2611 to receive oral disclosures of the Military Lending Act\ndisclosure and a description of the payment obligation.\n24. Consent To Contact: You give the Credit Union and third party vendors calling on our behalf, your consent to use automated\ntechnology to call or text you at the phone number(s) given by you, including your wireless number. This may be for offering products\nor services, potential fraud on your account or to collect any amounts you owe. Standard message and data rates may apply. You\nhave the right to opt out of this consent at any time.\n25. Your Billing Rights\xe2\x80\x94Keep This Notice For Future Use: This notice contains important information about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT. Any dispute or errors need to be put in writing and sent to:\nDuPage Credit Union, ATTN: Card Services, PO Box 3930, Naperville, IL 60567. You can telephone us, but doing so will not preserve\nyour rights. You may also contact us on the web: dupagecu.com sending a secure email by logging into your account on Online\nBanking at dupagecu.com. In your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you\nare not sure about.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nincorrect.\n\nPage 4 of 5\n\n\x0cWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER. When 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 already\ncorrected 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 correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n1. If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n2. If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We\nwill send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not\npay 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 refuse to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name\nof anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled\nbetween us.\nIf 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 correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES. If you are dissatisfied with the goods or\nservices that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you\nmay have the right not to pay the remaining amount due on the purchase.\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 purchase price\nmust have been more than $50.\n(Note: Neither of these is necessary if your purchase was based on an advertisement we mailed to you, or if we own the company\nthat 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 check that\naccesses 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 at: DuPage Credit Union, ATTN:\nCard Services, PO Box 3930, Naperville, IL 60567. While we investigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay,\nwe may report you as delinquent.\nUSA PATRIOT ACT. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all\nfinancial institutions to obtain, verify, and record information that identifies each person who opens an account. Pursuant to the FACT\nAct address changes will only be accepted via in person and by mail with proper Credit Union verification. State laws require the\nfollowing notices: California Residents: Regardless of your marital status, you may apply for credit in your name only.\nOhio Residents: Ohio anti-discrimination laws require creditors to make credit equally available to all creditworthy customers and\nthat credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission\nadministers these laws. Married Wisconsin Residents: No provision of any marital property agreement, unilateral statement, or\ncourt order applying to marital property will adversely affect a creditor\xe2\x80\x99s interest unless, prior to the time credit is granted, the creditor\nis furnished with a copy of the agreement, statement or court order, or has actual knowledge of the provision. You acknowledge that\nyou have received a copy of this Agreement that contains the Credit Union\xe2\x80\x99s terms and conditions by signing or using the issued\ncard(s). Information about the costs of the Credit Card Account described in this disclosure is accurate as of April 28, 2020.\nThis information may have changed after this date. To find out what may have changed, please write to us at DuPage Credit Union\nPO Box 3930, Naperville, Illinois 60567-3930.\nREV 04/2020\n\nPage 5 of 5\n\n\x0c'