b'American Eagle Financial Credit Union, Inc.\n\nVisa\xc2\xae Credit Card Disclosure of Rates and Terms \xe2\x80\x93 Secured Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nAPR for Purchases\n\n17.15% to 18.00% when you open your account.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n17.15% to 18.00% when you open your account.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n0.00% Introductory APR for 12 months on balance transfers made between\nJanuary 1 \xe2\x80\x93 March 31, 2020.\nAfter that, your APR will be 17.15%\ncreditworthiness.\n\nto 18.00%, based on your\n\nThis APR will vary with the market based on the Prime Rate.\nPenalty APR & When it Applies:\n\n18.00%\nThis APR may be applied to your account if you make a late payment.\n\nHow Long will the Penalty APR Apply? If your APRs are increased due\nto late payments, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due\ndate each month. We will begin charging interest on cash advances, balance\ntransfers, convenience check, and overdraft protection transactions on the\ntransaction date.\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 using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nBalance Transfer\nCash Advance\nOverdraft Protection\nForeign Transaction\n\nPenalty Fees:\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\n\nEither $10 or 3% of the amount of each transaction, whichever is greater.\nEither $10 or 3% of the amount of each cash advance, whichever is greater.\nEither $10 or 3% of the amount of each overdraft transaction, whichever is greater.\n3% of each transaction in U.S. dollars.\nUp to $37\nNone\n$25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See\nyour account agreement for more details.\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.\nBilling Rights: Information on your rights to dispute transactions and how to exercise these rights is provided in\nyour account agreement.\nThe information about the costs of the cards described in this disclosure is accurate as of 11/2019. This\ninformation may have changed after that date. To find out what may have changed, call us at 800.842.0145.\nKEEP THIS DISCLOSURE FOR YOUR RECORDS.\n\n11/2019\n\n\x0c'


b'American Eagle Financial Credit Union, Inc.\n\nVisa\xc2\xae Credit Card Disclosure of Rates and Terms \xe2\x80\x93 Platinum Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nAPR for Purchases\n\n11.15% to 18.00% when you open your account.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n11.15% to 18.00% when you open your account.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n0.00% Introductory APR for 12 months on balance transfers made between\nJanuary 1 \xe2\x80\x93 March 31, 2020.\nAfter that, your APR will be 11.15%\ncreditworthiness.\n\nto 18.00% based on your\n\nThis APR will vary with the market based on the Prime Rate.\nPenalty APR & When it Applies:\n\n18.00%\nThis APR may be applied to your account if you make a late payment.\n\nHow Long will the Penalty APR Apply? If your APRs are increased due\nto late payments, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due\ndate each month. We will begin charging interest on cash advances, balance\ntransfers, convenience check, and overdraft protection transactions on the\ntransaction date.\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 using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nBalance Transfer\nCash Advance\nOverdraft Protection\nForeign Transaction\n\nPenalty Fees:\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\n\nEither $10 or 3% of the amount of each transaction, whichever is greater.\nEither $10 or 3% of the amount of each cash advance, whichever is greater.\nEither $10 or 3% of the amount of each overdraft transaction, whichever is greater.\n3% of each transaction in U.S. dollars.\nUp to $37\nNone\n$25\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See\nyour account agreement for more details.\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.\nBilling Rights: Information on your rights to dispute transactions and how to exercise these rights is provided in\nyour account agreement.\nThe information about the costs of the cards described in this disclosure is accurate as of 11/2019. This\ninformation may have changed after that date. To find out what may have changed, call us at 800.842.0145.\nKEEP THIS DISCLOSURE FOR YOUR RECORDS.\n\n11/2019\n\n\x0c'


b'AMERICAN EAGLE FINANCIAL CREDIT UNION, INC.\nVISA PLATINUM REWARDS CREDIT CARD AGREEMENT, Effective March 1, 2019\n\xc2\xae\n\n1. Agreement. These regulations govern the possession and use of credit cards (\xe2\x80\x9ccard\xe2\x80\x9d) issued by American Eagle\nFinancial Credit Union, Inc. (\xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cIssuer\xe2\x80\x9d). Each person who applies for a credit card and in whose name the card is\nissued (\xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cHolder\xe2\x80\x9d) consents and agrees to these regulations and to the terms contained on the credit cards, sales\ndrafts, credit adjustment memos and cash advance drafts, signed by or given to Holder or any authorized user of Holder\xe2\x80\x99s\ncards. When credit cards are issued upon the application of two or more persons, all such persons shall be jointly and\nseverally liable as Holders. The provisions of these regulations, as amended from time to time, govern Holder\xe2\x80\x99s obligations,\nnot withstanding any additional or different terms contained in sales drafts, credit adjustment memos, cash advance drafts\nor other forms signed by or given to Holder or any user of Holder \xe2\x80\x98s cards to evidence a credit card transaction. Holder\nauthorizes an investigation of Holder\xe2\x80\x99s credit standing prior to the issuance of a credit card to Holder and at any time\nthereafter and authorizes disclosure of information to third parties relating to Holder\xe2\x80\x99s credit standing. These regulations\napply to all credit cards issued to Holder or to others on Holder\xe2\x80\x99s authorization and to any user of Holder\xe2\x80\x99s cards. You agree\nthat the card will only be used for personal, family, or household purposes, and will not be used for business purposes. You\nmay be liable for the unauthorized use of the card before you notify Issuer. You will not be liable for any unauthorized use\nthat occurs after you notify Issuer. In any case, your liability will not exceed $50. You agree to cooperate with the\ninvestigation of the loss, theft, or unauthorized use of the card, including providing whatever reasonable information Issuer\nrequires.\n2. Membership Fees. As a condition of participation in the issuer\xe2\x80\x99s credit plan and the issuance of a card, Holder agrees\nthat there is no annual membership fee for VISA consumer and business accounts. The membership fee described above\nentitles the Holder to two VISA cards. Holder agrees to pay a fee for each additional card requested.\n3. Use of Card. Credit for purchases from a merchant or a cash advance from a participating financial institution may be\nobtained by Holder or an authorized user of Holder\xe2\x80\x99s card presenting one of Holder\'s\xe2\x80\x99 cards to the merchant or participating\nfinancial institution and, if requested, by providing the proper identifying information and signing the appropriate drafts.\nFailure to sign a draft does not relieve the Holder of liability for purchases made or cash received. The use of this card for\nillegal transactions is prohibited. The card may also be used to obtain cash advances from certain automated equipment\nprovided it is used with Holder\xe2\x80\x99s correct Personal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) issued to Holder. Holder may make only two\ncash advance withdrawals totaling not more than $500 each day from compatible ATM terminals. Terminals or terminal\noperators may have other limits on the amounts or frequency of cash withdrawals. Holder will not be liable for the\nunauthorized use of the card or PIN issued to Holder which occurs before issuer receives notification orally or in writing of\nloss, theft or possible unauthorized use of a card or PIN. Lost or stolen cards or PINS should be reported immediately to\nIssuer by notifying CUSTOMER SERVICE, P.O. Box 31535,Tampa, FL 33631-3535, and Telephone (866) 839-3485.\n4. Use of AEFCU Card Checks. Credit obtained by use of a Balance Transfer Check shall be treated as a cash advance.\nCredit obtained by use of Classic or Premier Check shall be treated as a cash advance.\n5. Credit Line. Holder will from time to time be informed of the amount of the approved credit line established for Holder,\nand Holder covenants not to make credit purchases or borrowings in excess of that amount. Holder is liable for all purchases\nand borrowings made with Holder\xe2\x80\x99s cards by Holder or by anyone authorized to use Holder\xe2\x80\x99s cards.\n6. Payment. Holder will be furnished a monthly statement for each billing period at the end of which there is an undisputed\ndebit or credit balance of $1.00 or more. Holder shall pay within 25 days after each statement Closing Date either (a) the\nfull amount billed (\xe2\x80\x9cNew Balance\xe2\x80\x9d) or, at Holder\xe2\x80\x99s option, (b) a minimum Payment of 2.5% of the New Balance, or $25,\nwhichever is greater. Payments may be mailed to AEFCU, P.O. Box 104, Brattleboro, VT 05302. Payments may be made, in\nperson, at a AEFCU office. Payments received after 5:00 p.m. on any processing day or at any time on any nonprocessing day will be considered as payments made on the following processing day. All payments by Holder will\nbe applied first to payment of Interest Charges in the order of their entry to the account, second to additional fees and\ncredit insurance charges, if any, in the order of their entry to the account, third to previously billed cash advances,\npurchases and other similar charges in the order of their entry to the account, and then to current cash advances,\npurchases and other similar charges in the order of their entry to the account. If your credits and payments exceed what is\nowed Issuer, Issuer will refund it upon request or automatically within 6 months.\n7. ANNUAL PERCENTAGE RATE (APR). The ANNUAL PERCENTAGE RATE (APR) will be a VARIABLE rate. Variable rates\nare calculated by adding together a margin and an index. A margin is the percent added to the index to calculate APR. The\nindex is the highest U.S. Prime Rate as published in the "Money Rates" section of The Wall Street Journal on the last\npublication day of each month. An increase or decrease in the index will cause a corresponding increase or decrease in your\nvariable rates on the first day of your billing cycle that begins in the same month in which the index is published. An\nincrease in the index means that you will pay higher interest charges and have a higher Total Minimum Payment Due. If The\nWall Street Journal does not publish the U.S. Prime Rate, or if it changes the definition of the U.S. Prime Rate, we may, in\nour sole discretion, substitute another index. However, we may choose at our option and in our sole discretion to delay an\nAPR increase resulting from an increase to the Prime Rate by one or more billing cycles. We do not have to give you\nadvance notice of changes to the APR that are due to changes to the Prime Rate. Account statements will show the APRs\nthat were in effect during the billing cycles covered by the statements.\n\n\x0cWe also reserve the right to re-determine the margin that applies to your Account more frequently than and/or on dates\nother than those described above when the Prime Rate itself is subject to change. We may review your credit worthiness\nseveral times a year. Based on changes to various risk factors, including but not limited to, credit scores and other\ninformation obtained from various outside agencies, your margin (and therefore your APR) may be increased or decreased\nfrom time to time. However, we will not increase your margin during the first year after your Account is opened. If your\nmargin and APR are increased due to a change in any of these risk factors, your Account will be reviewed semi-annually in\nan effort to restore your previous margin and previous APR. We will give you advance written notice of the effective date for\nany increase to the margin and any corresponding increase to your APR, as required by applicable law.\nAn increase to your APR (whether due to an increase to your margin or an increase to the Prime Rate) will increase the\nFinance Charges payable on your Account until your APR decreases (whether due to a decrease to the Prime Rate or a\ndecrease to your margin).\nRegardless of the rate as determined by adding the Prime Rate and your margin, the Annual Percentage Rate will never\nexceed 18% (a monthly periodic rate of 1.5%).\n8. Failure to Make Minimum Payment - Penalty APR. We may increase the APR applicable to your outstanding balances\nto 18% APR (a monthly periodic rate of 1.5%) if we have not received a required Minimum Payment within sixty (60) days\nafter the payment is due. If we intend to increase your APR under these circumstances, we will give you written notice at\nleast 45 days prior to the effective date of the change. This increased APR will remain in effect for no longer than six (6)\nmonths, provided that you make all required Minimum Payments on time during that period. If you fail to make all required\nMinimum Payments on time for six (6) consecutive billing cycles, the 18% APR will remain in effect until you do so.\n9. FINANCE CHARGES. The PERIODIC RATE (FINANCE CHARGE consisting of interest) will be one-twelfth of the\nAPR. You can avoid a FINANCE CHARGE on purchases by paying the Total New Balance (including all Purchases, Cash\nAdvances, Balance Transfers, finance charges and other fees) each month within 25 days of your statement closing date.\nOtherwise, the New Balance of Purchases and subsequent purchases from the date they are posted to your Account will be\nsubject to FINANCE CHARGE. Cash Advances are always subject to FINANCE CHARGE from the date they are posted to your\nAccount. If Balance Transfers or Convenience Checks are used, the amount of each we pay will be charged to your Account\nas a Cash Advance and subject to FINANCE CHARGES as Cash Advances.\nWe calculate the periodic FINANCE CHARGE (interest) on your Account by applying the periodic rate to the average daily\nprincipal balances of purchases and Cash Advances on your Account (including new transactions) each billing cycle. To get\nthe average daily principal balance, we take the principal balances of purchases or Cash Advances each day during the\nbilling cycle, beginning with the principal portion of your Previous Balances, reduced by payments you make and credits we\napply, and increased by new purchases and Cash Advances you make and debit adjustments we make during the billing\ncycle. We add up all the daily principal balances and divide the total by the number of days in the billing cycle to produce\nseparate average daily principal balances for purchases and Cash Advances to which the periodic rate is then applied. (We\ntreat a credit balance as a zero balance when we figure the average daily principal balance.)\n10. Additional Fees. For a listing of fees charged in association with this card, please see the rates and fees disclosure at\nhttps://www.americaneagle.org/Loans/VISA-Credit-Card/Forms-Disclosures.aspx. Fees imposed will be posted to Holder\xe2\x80\x99s\naccount.\n11. Security Interest. All credit advanced to Holder for credit purchases or cash advances constitutes loans made by\nIssuer to Holder in the state of Connecticut. Issuer disclaims as security for loans made to Holder under these regulations\nany security interest it may at any time have in household goods or real property. Except as disclaimed above, loans made\nto Holder after the effective date of these regulations may be secured by collateral given by any Holder to secure other\nloans from Issuer.\n12. Foreign Transactions. Purchases and Cash Advances made in foreign currencies will be billed to you in U.S. dollars.\nThe U.S. dollar exchange rate for the foreign currency used for a Purchase or Cash Advance is a rate selected by VISA\xc2\xae\nfrom the range of rates available in wholesale currency markets for the applicable central processing date, which rate may\nvary from the rate VISA\xc2\xae itself receives, or the government-mandated rate in effect for the applicable central processing\ndate. In addition, for transactions processed outside of the United States, the Foreign Transaction Fee will apply.\n13. Disputes. Issuer is not responsible for refusal by any merchant, financial institution or automated equipment to honor\nor accept a card. Except as provided in the federal Truth-in-Lending laws (as indicated in the Summary of Billing Rights\nbelow), Issuer has no responsibility for merchandise or services obtained by Holder with a card and any dispute concerning\nmerchandise or services will be settled between Holder and the merchant concerned.\n14. Default. Holder covenants to observe and comply with these regulations and covenants not to permit an event of\ndefault to occur. Upon the occurrence of any one or more of the following events of default: (a) Holder fails to pay at least\nthe Minimum Payment when due on two occasions within any 12-month period; or (b) Holder dies, ceases to exist, changes\nresidency to another state, becomes insolvent or the subject of bankruptcy or insolvency proceedings or fails to observe any\ncovenant or duty contained in these regulations, if such event or breach materially impairs Holder\xe2\x80\x99s ability to pay amounts\ndue; the full amount of Holder\xe2\x80\x99s account for which the default occurred (including unpaid Interest Charges) shall, at Issuer\xe2\x80\x99s\n\n\x0coption become immediately due and payable if Holder does not cure the default within 15 calendar days after notice is\nmailed to the address of Holder, or given as otherwise provided by law. Issuer has this right, without notice and opportunity\nto cure. if the default is the Holder\xe2\x80\x99s third default within 12 months and the Holder is notified of the prior two defaults and\nthe Holder incurred those defaults. Issuer may delay enforcing any of its rights under these regulations or under applicable\nlaw without losing those rights or any of its other rights.\n15. Termination. Holder\xe2\x80\x99s consent to these regulations may be terminated at any time by surrendering the cards issued to\nHolder or at Holder\xe2\x80\x99s written request, but such termination shall not affect Holder\xe2\x80\x99s obligations as to any balances or\ncharges outstanding at the time of termination. Termination by any Holder shall be binding on each person in whose name\nthe card is issued. If Holder\xe2\x80\x99s spouse terminates this credit plan, the full amount of Holder\xe2\x80\x99s account (including unpaid\nInterest Charges) may be declared immediately due and payable. Issuer may terminate Holder\xe2\x80\x99s privilege to use the cards if\nHolder moves out of the service area of Issuer, as defined by Issuer from time to time. Unless sooner terminated, the\nprivilege to use the cards shall expire on the date shown on the cards. At any time, without liability to Holder and without\naffecting Holder\xe2\x80\x99s liability for credit previously extended, Holder\xe2\x80\x99s privilege to use the cards may be revoked or limited to the\nextent not prohibited by law. The cards are and shall remain the property of Issuer and Holder agrees to surrender them to\nIssuer upon demand.\n16. Amendments. Issuer may amend these regulations from time to time by sending Holder advance written notice not\nless than 45 days prior to the effective date for any change that is either adverse to Holder\xe2\x80\x99s outstanding balance or\nincreases certain fees, as required by applicable law, from time to time, or not less than 15 days prior to the effective date\nfor other changes, or as may otherwise be required or permitted by law. To the extent that Issuer indicates in the notice\nand that the law permits, amendments will apply to Holder\xe2\x80\x99s existing account balance as well as to future transactions.\nNotices are deemed given when mailed by Issuer to any Holder to the current address for mailing monthly statements.\nInvalidity of any provision of these regulations shall not affect the validity of any other provisions.\n17. Rewards Program Terms & Conditions. A complete list of rules and conditions is available on the Program web site\nat www.scorecardrewards.com or at any of our branch offices.\n18. Statement of Military Annual Percentage Rate. Federal law provides important protections to members of the\nArmed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a\nmember of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate\nmust include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\n19. Governing Law. Holder agrees these regulations are governed by the law of Connecticut to the extent not preempted\nby federal law.\n\nVisa Secured Credit Card Agreement\n315-803 (Rev. 3/1/2019)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n0.00%\n\nIntroductory APR for a period of six billing cycles.\n\n9.24% or 16.99%\n\nAfter that, your APR will be\n, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPR for Balance Transfers\n\n0.00% Introductory APR for a period of six billing cycles.\n\nAPR for Cash Advances\n\nAfter that, your APR will be 9.24% or 16.99%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 9.24% or 16.99%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nHow to Avoid Paying Interest on\nPurchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nIf you are charged interest, the charge will be no less than $0.50.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\n1.00% of each transaction in U.S. dollars\nUp to $15.00\nUp to $10.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nMinimum Interest Charge:\nThe minimum interest charge will be charged on any dollar amount.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: April 1, 2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa is a secured credit card. Credit extended under this credit card account is\nsecured by various personal property and money including, but not limited to: (a) any goods you purchase with\nthis account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares,\n(c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01601453-MXC10-C-1-120619 (MXC101-E)\n\n\x0cRetirement Account or in any other account that would lose special tax treatment under state or federal law, and\n(d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the\nforegoing, you acknowledge and agree that during any periods when you are a covered borrower under the\nMilitary Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be\nsecured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be\ndeemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower;\nor (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n5.00% of the amount of the required minimum payment or $15.00, whichever is greater, but in any case, never more than\nthe amount of the delinquent required minimum payment if you are more than 16 days delinquent in making a payment.\nReturned Payment Fee:\n$10.00 or the amount of the required minimum payment, whichever is less.\nPay-by-Phone Fee:\n$5.00.\nRush Fee:\n$25.00.\nStatement Copy Fee:\n$5.00.\nBalance Transfer Limitations: If you request balance transfers, such transfers must be in the amount no less than\n$500.00. When the discounted rate expires, the APR on existing balances will increase to the new non-discounted rate on\nthe first day of the billing cycle after the defined period disclosed within the table.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01601453-MXC10-C-1-120619 (MXC101-E)\n\n\x0c'


b'credit 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 purchases\nand cash advances. If the credit balance amount is $1 or more, it will be refunded upon your written or verbal request.\n\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 responsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or participated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to obtain satisfaction from the plan merchant. You must resolve all other disputes\ndirectly with the plan merchant. We do not warrant any merchandise or services purchased by you with the Card.\n\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none 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.\n\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. Operating regulations of Visa may also apply. This Agreement is the contract that applies to all transactions even though the sales, cash advance, convenience\ncheck, credit or other slips you sign or receive may contain different terms.\n\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit Billing Act.\n\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at 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 you\ndo, we are not required to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\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 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.\n\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 or\nany 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 amount in\nquestion, along with applicable interest and fees. We will 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 pay the amount 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 questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the 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.\n\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 have\nbeen more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your credit\ncard 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 the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nM FI15303 Rev 1-2014\n\nM-110895\n\n\xc2\xa92005 Securian Financial Group, Inc. All rights reserved.\n\n813\xe2\x80\xa2871\xe2\x80\xa22690 or 1\xe2\x80\xa2888\xe2\x80\xa2871\xe2\x80\xa22690\nwww.gtefinancial.org\n\nVISA CREDIT CARD AGREEMENT\n\nIn this Agreement, \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any person who accepts this Agreement or uses the Card. The \xe2\x80\x9cCard\xe2\x80\x9d means any credit card issued to you or\nthose designated by you under the terms of this Agreement. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d\nand the \xe2\x80\x9cCredit Union\xe2\x80\x9d means GTE Federal Credit Union or its successors.\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU\nHAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT 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 secure your obligations under this Agreement, unless that other collateral is\nyour principal residence or non-purchase money household goods.\n\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 financial institutions and ATM machines that accept the Card, up to your maximum 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 purchases 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 may\nblock the use of your Card in certain countries or geographic areas. We will\nhave no liability to you or others if any of these events occur.\n\nPersonal Identification Number (PIN). We may issue a Personal Identification Number (PIN) for use with your Card. This PIN is confidential and\nshould not be disclosed to anyone. You may use your PIN and your Card to\naccess 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 Agreement may affect your rights.\n\n\x0cPromise 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\nof your credit limit that we may extend to you.\n\nIllegal 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 Agreement. We may decline any transaction that we believe to be illegal under applicable law, including but not limited to any transaction involving or relating\nto any gambling activity. You agree that we will have no liability or responsibility for any such use by you or any authorized user(s); or for declining any\nsuch transaction. You further agree to indemnify and hold us harmless from\nany suits, liability, damages or adverse action of any kind that results directly\nor indirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis determined to be illegal.\n\nJoint Accounts. Each of you will be responsible, jointly and severally, for\nthe repayment of amounts owed, regardless of who initiated any transaction\nunder the account.\n\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 someone else is authorized to use your account and you want to end that person\xe2\x80\x99s\nprivilege, you must notify us in writing, and if he or she has a Card, you must\nreturn that Card with your written notice for it to be effective.\n\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 discontinue use of the account immediately upon our request.\n\nVariable Rate Information. Your standard variable Annual Percentage Rate\n(APR) for purchases, balance transfers and cash advances may increase or\ndecrease monthly. We determine the APR by adding a margin, as determined\nby your creditworthiness, to the Prime Rate published in The Wall Street Journal. For each month, we add your margin to the Prime Rate as published on the\nfirst business day of the previous calendar month and adjusted on the first day\nof your billing cycle of the following month. When a change in the Prime Rate\noccurs, the resulting new APRs will apply to all balances on your account starting with your next monthly billing cycle. If we determine that a change in your\ncredit standing requires an increase in your margin, you will receive 45 days\nadvance written notice, and the new rate will apply to new transactions only.\n\nInterest Charges. Average Daily Balance including new transactions: Interest Charges will accrue on your average daily balance outstanding during\nthe month. To get the average daily balance, we take the beginning balance\neach day, add any new purchases, cash advances, balance transfers or other\nadvances, and subtract any payments, unpaid interest charges, and unpaid\nlate charges. This gives us the daily balance. Then, we add up all the daily\nbalances for the billing cycle and divide that by the number of days in the\nbilling cycle. We then multiply that by the periodic rate corresponding to the\nAnnual Percentage Rate on your account. If you have different rates for purchases, cash advances or balance transfers, separate average daily balances for each will be calculated and the appropriate periodic rate is then\napplied to each.\n\nGrace Period on Purchases Only: You can avoid Interest Charges on purchases 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.\n\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-in-Lending Statement or similar disclosures (as may be amended from time to time),\nor as disclosed to you during the term of your Card.\n\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree\nto notify us immediately if your Card is ever lost or stolen or if an unauthorized\nuse may have occurred. \xe2\x80\x9cUnauthorized use\xe2\x80\x9d means the use of the Card by\nsomeone other than you who does not have actual, implied or apparent authority for such use, and from which you receive no benefit. The telephone\nnumber to call is 813.871.2690 or toll-free 1.888.871.2690. You agree to follow\nup your call with notice in writing to us at: P.O. Box 172599, Tampa, FL 336720599. You also agree to assist us in determining the facts, circumstances and\nother pertinent information relating to any loss, theft or possible unauthorized\nuse of your Card and comply with such procedures as we may require in connection with our investigation. You will be liable for any unauthorized use only\nif we can prove that you were grossly negligent in your use or handling of your\nCard, or if we can prove that you used your Card fraudulently.\n\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time designated on the billing statement, it will be credited to your account on the date\nof receipt. If payment is made at any location other than the address designated on the periodic statement, credit for such payment may be delayed up\nto five (5) days. The minimum periodic payment required is 2% of the balance, plus any amount in excess of your credit limit, plus any amount past\ndue, or $25.00, whichever is greater.\n\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 Agreements you have with us; (3) if you die; (4) if you file a petition in bankruptcy\nor have a bankruptcy petition filed against you, or if you become involved in\nany insolvency, receivership or custodial proceeding; (5) if anyone attempts\nto take any of your funds held by us via legal process or if you have a judgment or tax lien filed against you; (6) if you make any false, inaccurate, or misleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, 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 demanded, 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 reasonable costs of collection, including court costs and attorney\xe2\x80\x99s fees, and any\ncosts incurred in the recovery of the Card, subject to applicable law. Even if\nyour unpaid balance is less than your credit limit, you will have no credit available during any time that any aspect of your account is in default.\n\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You understand that we are not obligated to offer such services and may withdraw or\nchange them at any time.\n\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 purpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any means.\nYou authorize us to investigate your credit standing when opening or reviewing your account. You authorize us to disclose information regarding your account to credit bureau and creditors who inquire about your credit standing.\n\nForeign Transactions; Currency Conversion. Purchases and cash advances 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 central processing date, which rate may vary from the rate the card company itself 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\nforeign transaction fees in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\n\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 balance on your account resulting from use of the\nCard 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 constitutes agreement and acceptance of any change in terms, unless applicable law requires otherwise. Our failure to exercise any of our rights or to take\nany action shall not constitute a waiver of those rights, or an amendment or\nchange in any of the terms of this Agreement.\n\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or prepayments will not delay your next scheduled payment \xe2\x80\x93 you will still need to make\nthe minimum scheduled payment by the next scheduled due date to keep\nyour 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.\n\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.\n\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\n\n\x0c'


b'8.49\n12.49\n\n14.49\n16.49\n\n14.49\n\n16.49\n\n8.49\n12.49\n\n\x0c\x0c'