b"CREDIT CARD APPLICATION\nP.O. Box 638 - Altus, Oklahoma 73522\nDate\nAccount Number\nAPPLICANT INFORMATION. Married Applicants may apply for an individual loan/separate account.\nType of Credit. Check the type of credit for which you wish to apply.\nIndividual credit -- If you are applying for individual credit, complete the Applicant section.\nJoint credit \xe2\x80\x93 If you are applying for joint credit with your spouse or another person, complete the Applicant section and the Spouse/Co-Applicant section.\nYou must initial here if you intend to apply for Joint Credit: X\nX\n_\nSpouse Information. You must also complete the Spouse section if any of the following apply: (1) your spouse will use your account; (2) you are relying on your spouse\xe2\x80\x99s income as a source\nof repayment; (3) you live in a community property state (AZ, CA, ID, LA, NM, NV, TX, WA, WI or Puerto Rico); or (4) you are an Alaska resident and are currently subject to a community\nproperty agreement or community property trust.\nCredit Limit Requested: $_________________\nNo. of Cards: _______\nAuthorized User Name: _______________________________________________________\nYou understand that by using the credit card (\xe2\x80\x9ccard\xe2\x80\x9d), or allowing another to use the card; you agree that such use constitutes your acknowledgment, receipt and agreement to the terms and\nconditions of the credit card agreement provided to you in connection with the card or credit line. Refer to the separate table that includes required credit card disclosures being furnished with\nthis Application. To obtain any change in the required information since it was printed, please call us at (866) 345-7965 or write to us at the address stated on this Application.\nOptional Payment Protection \xe2\x80\x93 If you answer \xe2\x80\x9cyes\xe2\x80\x9d the Credit Union will disclose the cost of optional payment protection to you. A separate election that discloses the terms and conditions\nmust be signed for protection to become effective. Are you interested in having this loan protected?\nYes\nNo\n\nAPPLICANT\n\nSPOUSE\n\nCO-APPLICANT\n\nGUARANTOR\n\nComplete only if: (a) credit will be secured by collateral; or (b) you live in a community property\nstate; or (c) you are an Alaska resident subject to a community property agreement or community\nproperty trust:\nMARRIED\nSEPARATED\nUNMARRIED (Single, Divorced, Widowed)\n\nComplete only if: (a) credit will be secured by collateral; or (b) you live in a community property\nstate; or (c) you are an Alaska resident subject to a community property agreement or\ncommunity property trust:\nMARRIED\nSEPARATED\nUNMARRIED (Single, Divorced, Widowed)\n\nAPPLICANT NAME\n\nSPOUSE/CO-APPLICANT NAME\n\nSOCIAL SECURITY NO.\n\nDRIVER\xe2\x80\x99S LICENSE NO. & STATE\n\nBIRTH DATE\n\nSOCIAL SECURITY NO.\n\nDRIVER\xe2\x80\x99S LICENSE NO. & STATE\n\nBIRTH DATE\n\nHOME PHONE NO.\n\nCELL PHONE*\n\nMOTHER\xe2\x80\x99S MAIDEN NAME\n\nHOME PHONE NO.\n\nCELL PHONE*\n\nMOTHER\xe2\x80\x99S MAIDEN NAME\n\nE-MAIL ADDRESS\n\nE-MAIL ADDRESS\n\nCURRENT STREET ADDRESS (Street/City/State/Zip)\n\nSINCE\n\nCURRENT STREET ADDRESS (Street/City/State/Zip)\n\nDO YOU:\nPERSONAL REFERENCE (Name and Address)\n\nOWN\nRELATIONSHIP\n\nDO YOU:\nRENT\n\nPERSONAL REFERENCE (Name and Address)\n\nPHONE NO.\n\nHIRE DATE\n\nEMPLOYER (Name and Address)\n\nOTHER MONTHLY INCOME\n\n$\n\n$\n\nSOURCE\n\nSIGNATURES \xe2\x80\x93 Are you currently on active military duty?\n\nRENT\n\nYes\n\nHIRE DATE\nWORK PHONE NO.\n\nWORK PHONE NO.\nMONTHLY GROSS INCOME\n\nOWN\nRELATIONSHIP\nPHONE NO.\n\nEMPLOYMENT & INCOME You need not list income from alimony, child support or separate maintenance unless you wish it considered for purposes of granting this credit.\nEMPLOYER (Name and Address)\n\nSINCE\n\nNo\n\nMONTHLY GROSS INCOME\n\nOTHER MONTHLY INCOME\n\n$\n\n$\n\nSOURCE\n\nYou promise that the information stated in this Credit Card Application is true and correct to the best of your knowledge. You authorize the Credit Union to obtain credit reports when updating its records in connection with any\nreview, increase, extension or renewal of credit, and in connection with any collection activities involving credit extended to you. The Credit Union may also obtain credit reports to update, increase, extend, renew or collection of\nthe credit received by you. False or misleading statements in your application may cause any loan to be in default. You agree that this application shall be the Credit Union\xe2\x80\x99s property whether or not this application is approved.\nYou will notify the Credit Union in writing immediately of any changes in your name, address or employment. You understand that it is a federal crime to willfully and deliberately provide incomplete or incorrect information to\nobtain credit. If you request, you will be provided the name and address of any credit bureau from which we received a credit report. You understand and agree that if your application is approved, that any collateral described in\nany security agreement, pledge, advance disbursement voucher or similar document that may be executed, now or in the future, in connection with such credit will secure the Credit Union for repayment of funds advanced to you,\nsubject to the terms and conditions of such security agreement, pledge, advance disbursement voucher or similar document. CONSENSUAL SECURITY INTEREST. You further acknowledge and agree that you give the\nCredit Union a consensual security interest in the shares you have in all individual and joint accounts you have with the Credit Union, now and in the future (other than those accounts that would have an\nadverse tax consequence if pledged as collateral), to secure repayment of amounts you owe to the extent of any unpaid balance on your Account.\n*Permission to Contact: By providing the Credit Union with a wireless phone number (cell phone), you consent to receiving calls, including autodialed and prerecorded messages from the Credit Union or\nits third party debt collector at that number.\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial\ninstitutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other\ninformation that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.\nOHIO RESIDENTS: The Ohio laws against discrimination requires that all creditors make credit equally available to all credit worthy customers and that credit reporting agencies maintain separate credit histories on\neach individual upon request. The Ohio civil rights commission administers compliance with this law.\nWISCONSIN RESIDENTS: For any provision of any marital property agreement, court decree under WI ST \xc2\xa7 766.70, or statement under WI ST \xc2\xa7 766.59 to adversely affect the rights of the Credit Union, the Credit Union\nmust be provided with a copy of the Agreement, decree or statement or have actual knowledge of its terms before any credit is approved or account opened. Sign if you are NOT applying for this loan account with your\nspouse. This credit request, if approved, will be incurred in the interest of the marriage or family of the undersigned.\nWisconsin Resident Signature _________________________________________________ Date __________________\n\nX\n\nApplicant\n\nX\n\nDate\n\nSpouse/Co-Applicant/Guarantor\n\nDate\n\nCredit Union Use Only\nApproved\n\nYes\n\nNo, Reason _________________________________________________\n\nECOA Notice and reason for Rejection sent or delivered on _________________\nCopyright 2011 ConmarSystems, Peachtree City, GA 30269 \xe2\x80\x93 EFORM 22018-1 Rev. 5/20\n\nNo. of Cards: ______ Credit Limit:___________________\n\nLoan Officer Signature__________________________________________________________Date _______________________\nPage 1 of 2\n\n\x0cCREDIT CARD SOLICITATION DISCLOSURE\n\nIF YOU ARE APPLYING FOR A CREDIT CARD, THE FOLLOWING IS YOUR REQUIRED DISCLOSURE INFORMATION - The information provided in this\ndisclosure is accurate as of July 1, 2020. The information may have changed after that date. To find out what may have changed call us at (866) 345-7965 or\nwrite us at 2721 N Main Street, PO Box 638, Altus, OK 73522. Before we approve you for a credit card, we will review your credit report, and the information\nyou provide with your application to confirm that you meet the criteria for this offer. The full terms and conditions will be outlined in the Credit Card Agreement\nand Disclosure which will be sent to you with the new card(s).\n\nInterest Rates and Interest Charges\n\n8.75%-14.75% when you open your account, based on your creditworthiness.\n\nANNUAL PERCENTAGE RATE\nfor Purchases\n\nThe APR will vary with market based on the Prime Rate.\n\nANNUAL PERCENTAGE RATE\nfor Balance Transfers\n\nThe APR will vary with market based on the Prime Rate.\n\nANNUAL PERCENTAGE RATE\nfor Cash Advances\n\nThe APR will vary with market based on the Prime Rate.\n\n14.75%\n14.75%\n17.00%\n\nPenalty APR and When it Applies\n\nThis APR may be applied to your account if you:\nAre 60 days late in making a payment\nHow Long Will the Penalty APR Apply? If your APR's are increased for any of these reasons,\nthe Penalty APR will apply until you make three (3) consecutive minimum payments when due.\n\nHow to Avoid Paying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any\ninterest on 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 Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at:\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\nCash Advance\nForeign Transactions\nPenalty Fees\nLate Payment\nReturned Payment Fee\n\n$5.00 or 1.00%, whichever is greater\n1% of each transaction in U.S. dollars\nUp to $20.00\nUp to $20.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new purchases)\xe2\x80\x9d.\nApplication of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.\nLate Payment Fee\nReturned Payment Fee\nStatement Copy Fee\nRush Fee\nEmergency Card Replacement Fee\nCard Replacement Fee\n\n$20.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) days or more late in making a payment.\n$20.00 or the amount of the required minimum payment, whichever is less.\n$ 5.00\n$30.00\n$30.00\n$10.00\n\nCopyright 2011 ConmarSystems, Peachtree City, GA 30269 \xe2\x80\x93 EFORM 22018-1 Rev. 5/20\n\nPage 2 of 2\n\n\x0c"


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\n\nVISA CLASSIC/VISA GOLD/VISA PLATINUM\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Classic\n\n12.90%\nVisa Gold\n\n9.90%\nVisa Platinum\n\n6.90%\nAPR for Balance Transfers\n\nVisa Classic\n2.90% Introductory APR until December 31, 2020.\nAfter that, your APR will be 12.90% .\nVisa Gold\n2.90% Introductory APR until December 31, 2020.\nAfter that, your APR will be 9.90% .\nVisa Platinum\n2.90% Introductory APR until December 31, 2020.\n\nAPR for Cash Advances\n\nAfter that, your APR will be 6.90% .\nVisa Classic\n12.90%\nVisa Gold\n9.90%\nVisa Platinum\n6.90%\n\nPenalty APR and When it Applies\n\nVisa Classic\nNone\nVisa Gold\nNone\nVisa Platinum\nNone\n\nHow to Avoid Paying Interest on\nPurchases\nMinimum Interest Charge\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.\nNone\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\n03706194-MXC10-C-2-020119 (MXC101-E)\n\n\x0cFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\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\nNone\nNone\nNone\n1.00% of each transaction in U.S. dollars\nUp to $20.00\nNone\nUp to $27.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)."\nPromotional Period for Introductory APR:\nThe Introductory APR for balance transfers will apply to transactions posted to your account until 12/31/2020. Any existing\nbalances on New Cumberland Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR\nfor balance transfers.\nLoss of Introductory APR:\nWe may end your Introductory APR for balance transfers and apply the prevailing non-introductory APR if you are 60 days\nlate in making a payment.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: April 01, 2019\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Classic, Visa Gold and Visa Platinum are secured credit cards. Credit extended\nunder this credit card account is secured by various personal property and money including, but not limited to:\n(a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this\naccount on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit\nUnion excluding shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union\nexcluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when\nyou are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$20.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a\npayment.\nReturned Payment Fee:\n$27.00 or the amount of the required minimum payment, whichever is less.\nCard Replacement Fee:\n$5.00.\nRush Fee:\n$75.00 overnight. $50.00 second day.\nStatement Copy Fee:\n$1.00 per document.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03706194-MXC10-C-2-020119 (MXC101-E)\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nMASTERCARD\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to InTouch Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to\neach applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Mastercard\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means\nthe line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n04220475-MXC30-P-1-090518 (MXC303-E)\n\n\x0caccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 1.50% of Your total New Balance, or $15.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$15.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases and balance transfers on\nthe date the transaction is posted to Your Account. We will begin charging You interest on cash advances on the date of\nthe transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later\n(transaction date). However, We will not charge You any interest on new purchases or balance transfers if Your Account\nhad a zero or credit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous\ncycle\'s billing statement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance\nof purchases or balance transfers, You must pay the entire new balance on the billing statement by the Payment Due\nDate of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Mastercard from a range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the rate Mastercard itself receives or the governmentmandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may\ndiffer from the rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash\nadvances and credits to Your Account. A foreign transaction is any transaction that You complete or a merchant\nPage 2 of 6\n04220475-MXC30-P-1-090518 (MXC303-E)\n\n\x0ccompletes on Your Card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S.\nembassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at Card Member\nServices, PO Box 815909, Dallas, TX, 75381-5909 or call Us at 800-442-4757, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. However, if You exercise reasonable care in safeguarding Your\nCard from risk of loss or theft and, upon discovering the loss or theft promptly report the loss or theft to Us, You will not be\nliable for any unauthorized transactions. In any case, Your liability for unauthorized transactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nPage 3 of 6\n04220475-MXC30-P-1-090518 (MXC303-E)\n\n\x0c14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nTexas.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n\nPage 4 of 6\n04220475-MXC30-P-1-090518 (MXC303-E)\n\n\x0c29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nMASTERCARD IS A REGISTERED TRADEMARK, AND THE CIRCLES DESIGN IS A TRADEMARK OF\nMASTERCARD INTERNATIONAL INCORPORATED.\n\nPage 5 of 6\n04220475-MXC30-P-1-090518 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow 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 of the amount You question even if Your bill\nis 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 with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n04220475-MXC30-P-1-090518 (MXC303-E)\n\n\x0c'


b'LOAN DOCUMENT\n\nVisa Credit Card Agreement\nRevised 04/2016\n\nSignature Federal Credit Union Credit Card Agreement\nNotice: See below for important information regarding your rights to\ndispute billing errors.\nBy signing or using this card, you acknowledge receipt of, and agree\nto be bound by, the issuer\xe2\x80\x99s terms and conditions. In this agreement,\nthe words you and your mean each and all of those who apply for\nthe credit card or who sign this Agreement. We, us, and ours mean\nSignature Federal Credit Union and/or its subsidiaries or assignees.\nCard means the VISA credit card and any duplicates and renewals we\nissue. Account means your VISA Credit Card Line of Credit account\nwith us.\n1.\t\x07Responsibility. If we issue you a card, you agree to repay all debts\nand finance charges arising from the use of the card and the card\naccount(s). You are responsible for charges made by yourself, your\nspouse, and minor children. You are also responsible for charges\nmade by anyone else to whom you give the card and any permitted\nuser, and this responsibility continues until the card is recovered.\nYou cannot disclaim responsibility by notifying us, but we will\nclose the account for new transactions if you so request and\nyou return all cards. Your obligation to pay the account balance\ncontinues even though an agreement, divorce decree, or other\ncourt judgment to which we are not a party may direct you or one\nof the other persons responsible to pay the account. Any person\nusing the card is jointly responsible with you for charges he or she\nmakes, but if that person signs the card he or she becomes a party\nto this Agreement and is also jointly responsible for all charges on\nthe account, including yours.\n2. L\n\x07 ost Card Notification. If you believe the Card has been lost or\nstolen, you should immediately call the Credit Union at (800)\n336.0284 during regular business hours or call the lost/stolen\nnumber at (800) 682.6075 after hours and advise the representative of the loss so no further transactions can be approved on\nyour card. You may also report a lost/stolen card online at www.\nreportmycards.com.\n3.\t\x07Liability for Unauthorized Use. If you notice the loss or theft of\nyour credit card or possible unauthorized use of your card, you\nshould write to us immediately at Signature FCU, 12 Herbert St.,\nAlexandria, VA 22305 or call us at (800) 336.0284. You will not be\nliable for any unauthorized use that occurs after you notify us. You\nmay, however, be liable for unauthorized use that occurs before\nyour notice to us. In any case, your liability will not exceed $50.00.\n4.\t\x07Credit Line. If we approve your application, we will establish a\nself-replenishing Line of Credit (also referred to as Credit Line) for\nyou and notify you of your credit limit when we issue the card. You\nagree not to let the account balance exceed this approved limit.\nEach payment you make on the account will restore your Credit\nLine by the amount of the payment which is applied to principal.\nYou may request an increase in your credit line by written or\nverbal application to us, which is subject to approval by our credit\ncommittee or a loan officer. By giving us your written notice, our\n\ncredit committee may reduce your Credit Line from time to time, or\nwith good cause, revoke your card and terminate the Agreement.\nGood cause includes your failure to comply with this agreement,\nor our adverse reevaluation of your creditworthiness. You may\nalso terminate this Agreement at any time, however termination by\neither you or us does not affect your obligation to pay the account\nbalance. The cards remain our property and you must recover and\nsurrender to us all cards upon our request and upon termination of\nthis Agreement.\n5.\t\x07Credit Information. You authorize us to investigate your credit\nstanding and obtain your credit report when opening, renewing, or\nreviewing your account, and you authorize us to disclose information regarding your account to credit bureaus and other creditors\nwho inquire of us about your credit standing, to the extent authorized by law.\n6.\t\x07Monthly payments. We will mail you a statement every month\nshowing your Previous Balances of purchases and cash advances,\nthe current transactions on your account, the remaining credit\navailable under your Credit Line, the New Balances of purchases\nand cash advances, the Total New Balance, the FINANCE CHARGE\ndue to date, and the Minimum Payment required. Every month you\nmust pay at least the Minimum Payment within 25 days of your\nstatement closing date. You may, of course, pay more frequently,\npay more than the Minimum Payment, or pay the Total New Balance in full which will reduce the FINANCE CHARGE by doing so.\nThe Minimum Payment will be either [a] 2% of your Total New Balance, or $25, whichever is greater, or [b] your Total New Balance, if\nit is less than $25 plus [c] any portion of the Minimum Payment(s)\nshown on prior statement(s) which remains unpaid. If any amount\nis Past Due, that amount must be paid in addition to your minimum monthly payment. In addition, at any time your Total New\nBalance exceeds your Credit Line, you must pay the amount that is\nover the credit limit in addition to the minimum monthly payment,\nif the amount over your credit limit in not paid prior to your statement cutoff date an Over-the-limit Fee will apply. We reserve the\nright to determine the order of allocation for all payments.\n7.\t\x07Finance Charges. You can avoid finance charges (interest) on purchases by paying the full amount of the New Balance of Purchases\neach month within 25 days of your statement closing date. Otherwise, the New Balance of Purchases, and subsequent purchases\nwill be subject to finance charges from the date they are posted\nto your account. Finance charges on purchases are calculated on\nthe average daily balances of purchases in the account. Finance\ncharges on cash advances are calculated on the average daily\nbalance of cash advances in the account.* The principal balances\nof purchases and cash advances are determined each day during\nthe statement period, beginning with the principal portion of your\nPrevious Balances, reduced by payments you make and credits we\napply, and increased by purchases and cash advances you make\nand debit adjustments we make during the statement period. The\ndaily principal balances are totaled and divided by the number of\ndays in the statement period to produce separate average daily\nprincipal balances for purchases and cash advances to which the\n\nT (800) 336.0284 SignatureFCU.org\n\n\x0cLOAN DOCUMENT\n\nVisa Credit Card Agreement\nPage 2\n\nperiodic rate is then applied.\n*\x07For current rates, refer to your monthly statement or call the\nCredit Union at (800) 336.0284.\n8.\t\x07Default. You will be in default if you fail to make any Minimum\nPayment within 25 days after your monthly statement closing date.\nYou will also be in default if your ability to repay us is materially\nreduced by a change in your employment, an increase in your\nobligations, bankruptcy or insolvency proceedings involving you,\nyour death or your failure to abide by this Agreement, or if the\nvalue of our security interest materially declines. We have the right\nto demand immediate payment of your full account balance if you\ndefault, subject to our giving you any notice required by law. To the\nextent permitted by law, you will also be required to pay our collection expenses, including court costs and reasonable attorneys\xe2\x80\x99\nfees.\n9.\t\x07Using the Card. To make a purchase or cash advance, present\nthe card to a participating VISA plan merchant, to us or to another\nfinancial institution, and sign the sales or cash advance draft\nwhich will be imprinted with your card. The monthly statement will\nidentify the merchant or financial institution at which transactions\nare made, but sales, cash advance, credit or other slips cannot\nbe returned with the statement. You will retain the copy of such\nslips furnished at the time of the transaction in order to verify the\nmonthly statement. The Credit Union may make a reasonable\ncharge for photocopies of slips you may request.\n10.\t\x07Returns and Adjustments. Merchants and others who honor the\nCard may give credit for returns or adjustments. They will do so\nby sending us a credit slip which we will post to your account. If\nyour credits and payments exceed what you owe us, we will hold\nand apply this credit balance against future purchases and cash\nadvances, or refund it on your written request if it is $1 or more.\n11.\t\x07Foreign Transactions. Purchases and cash advances made in\nforeign countries and foreign currencies will be billed to you in\nU.S. Dollars. Effective April 2, 2005, the exchange rate between the\ntransaction currency and the billing currency used for processing\ninternational transactions is a rate selected by VISA from the\nrange of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate\nVISA itself receives, or the government-mandated rate in effect for\nthe central processing date.\n12.\t\x07Plan Merchant Disputes. We are not responsible for the refusal of\nany plan merchant or financial institution to honor your card. We\nare subject to claims and defenses (other than tort claims) arising\nout of goods or services you purchase with the card only if you\nhave made a good faith attempt, but have been unable to obtain\nsatisfaction from the plan merchant and: [a] your purchase was\nmade in response to an advertisement we sent or participated in\nsending you; or [b] your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of\nyour home. You must resolve any other disputes directly with the\nplan merchant.\n\n13.\t\x07Security Interest. To secure your account, you grant us a purchase\nmoney security interest under the Uniform Commercial Code in\nany goods you purchase through the account. If you default, we\nwill have the right to recover any of these goods which have not\nbeen paid off through our application of your payments in the\nmanner described in paragraph 6.\n14.\t\x07Replacement cards: There may be a fee for replacement cards\nunless they are reported lost or stolen.\n15. For Fee and Rate information please refer to the insert.\nEffect of Agreement. This agreement is the contract which applies to\nall transactions on your account even though the sales, cash advance,\ncredit or other slips you sign may contain different terms. We may\namend this Agreement from time to time by sending you the advance\nwritten notice required by law. Your use of the card thereafter will\nindicate your agreement to the amendments. To the extent the law\npermits, and we indicate in our notice, amendments will apply to your\nexisting account balance as well as to future transactions.\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and responsibilities under the\nFair 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 use at:\nSignature Federal Credit Union\n12 Herbert St.\nAlexandria, VA 22305\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\nYour name and account number\n\n\xe2\x80\xa2\n\nThe dollar amount of the suspected error\n\n\xe2\x80\xa2\t\x07If 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:\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\n\n\xe2\x80\xa2\t\x07At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential error in writing. You may call us,\nbut if you do we are not required to investigate any potential errors\nand you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\t\x07Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected\nthe error.\n2.\t\x07Within 90 days of receiving your letter, we must either correct the\nerror or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\nT (800) 336.0284 SignatureFCU.org\n\n\x0cLOAN DOCUMENT\n\nVisa Credit Card Agreement\nPage 3\n\n\xe2\x80\xa2\t\x07We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2\t\x07The charge in question may remain on your statement, and we\nmay continue to charge you interest on that amount.\n\xe2\x80\xa2\t\x07While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2\n\nWe 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\t\x07If we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2\t\x07If we do not believe there was a mistake, you will have to pay the\namount in question, along with applicable interest and fees. We\nwill send you a statement of the amount you owe and the date the\npayment is due. We may then report you as delinquent if you do\nnot pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting\nthat you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us.\n\n1.\t\x07The purchase must have been made in your home state or within\n100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: neither of these are\nnecessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods\nor services.)\n2.\t\x07You 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.\t\x07You must not yet have fully paid for the purchase.\nIf all the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at:\nSignature Federal Credit Union\n12 Herbert St.\nAlexandria, VA 22305\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 own an amount and you do not\npay, we may report you as delinquent.\n\nIf we do not follow all the rules above, you do not have to pay the first\n$50 of 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\npurchased with your credit card and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to\npay the remaining amount due on the process.\nTo use this right, all of the following must be true:\n\nFurther Security Interest:\nYou also pledge, as security for what you owe, all present and future shares and/or deposits in your individual and joint credit union\naccounts. The credit union has the right to apply all your present and future shares and/or deposits toward the amount you owe if you are\nin default. Share and/or deposits in an Individual Retirement Account or Keogh Plan Account are not subject to any right of offset to your\npledge of shares and/or deposits. All collateral securing one loan will secure any and all of your indebtedness or obligations (with the exception of loans secured by real estate) to the Credit Union, which includes debts incurred by credit cards and all existing and hereafter created\nloans.\n\nT (800) 336.0284 SignatureFCU.org\n\n\x0c'


b'Your Rights and Our Responsibilities After We Receive Your\nWritten Notice. We must acknowledge your letter within 30\ndays, unless we have corrected the error by then. Within 90 days,\nwe must either correct the error or explain why we believe the\nstatement was correct. After we receive your letter, we cannot try\nto collect any amount you question, or report you as delinquent.\nWe can continue to bill you for the amount you question, including\nFINANCE CHARGES and we can apply any unpaid amount\nagainst your credit limit. You do not have to pay any questioned\namount while we are investigating, but you are still obligated to pay\nthe parts of your statement that are not in question.\nIf we find that we made a mistake on your statement, you will not\nhave to pay any FINANCE CHARGES related to any questioned\namount. If we didn\xe2\x80\x99t make a mistake, you may have to pay\nFINANCE CHARGES, and you will have to make up any missed\npayments on the questioned amount. In either case, we will send\nyou a statement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may report\nyou as delinquent. However, if our explanation does not satisfy\nyou and you write to us within 10 days telling us that you still\nrefuse to pay, we must tell anyone we report you to that you have\na question about your statement. And, we must tell you the name\nof anyone we reported you to. We must tell anyone we report you\nto that the matter has been settled between us when it finally is.\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50.00 of the\nquestioned amount, even if your statement was correct.\nSpecial Rule for Credit Card Purchases. If you have a problem\nwith the quality of property or services that you purchased with a\ncredit 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\namount due on the property or services. There are two limitations\non this right: (a) You must have made the purchase in your home\nstate, or if not within your home state, within 100 miles of your\ncurrent mailing address; and (b) The purchase price must have\nbeen more than $50.00. These limitations do not apply if we own\nor operate the merchant, or mailed you the advertisement for the\nproperty or services.\nCUSTOMER SERVICE: 1-800-442-4757 \xe2\x80\x93 24 hours a day/7\ndays a week. (Please have your Account information available.)\nOPTIONAL GROUP CREDIT INSURANCE LIMITATIONS,\nEXCLUSIONS, AND COSTS \xe2\x80\x94\nSUMMARY OF INSURANCE COVERAGES\nImportant information on this program\xe2\x80\x99s limitations,\nexclusions and costs: Upon acceptance of your enrollment, you\nwill receive your certificates. Eligibility, restrictions and exclusions\nvary by coverage and state. Read your certificates carefully for\nfull details. You are free to cancel at any time. Premium rates are\nsubject to change. Rates disclosed are accurate as of the printing\ndate of this disclosure. The creditor has a financial interest in the\nsale of this insurance. The underwriters referenced below reserve\nthe right to modify the terms and conditions of the insurance\ncertificates upon written notice and subject to state regulations.\nLife Benefits: If you or your joint cardmember die (to be eligible\nfor life insurance, joint cardmember must be spouse or business\npartner in GA, NM, & TX; if no joint cardmember, then spouse),\nChargegard will pay the outstanding balance as of the date of\ndeath, up to the master policy maximum of $10,000. Suicide is\nexcluded except in ME, MD, and MO. Life converts to accidental\ndeath coverage in HI, IN and VT at age 65; in IA at age 66. Joint\nlife coverage not available in CA.\n\nDisability/Unemployment Benefits(applies only to you, the\nprimary cardmember): If you become disabled or involuntarily\nunemployed, Chargeguard will make your scheduled minimum\nmonthly payment, subject to the master policy maximum of $500 a\nmonth, not to exceed $10,000.\nGeneral Provisions: You are eligible for this coverage if you are\nemployed full time in a non-seasonal occupation. In the State of\nTexas, if you are self-employed or an independent contractor you\nare not eligible for the Unemployment coverage. Unemployment and\nDisability benefits begin after 30 consecutive days of Unemployment\nor Disability and are retroactive to the first day of loss. Benefits are\nbased on the outstanding balance as of the date of loss and will\ncontinue until your balance is paid off, you return to work, or you\nreach the maximum limits of the master policy, whichever occurs\nfirst. Only Life benefits are available to co-accountholder (spouse).\nBenefits are not payable on items purchased after you or your\nco-accountholder die or after you become disabled or unemployed.\nYou may enroll for this coverage if you are under age 70. Coverage\nends at age 71. The cost for this coverage is a combined rate of\n.427 per $100 of the monthly outstanding indebtedness. This rate is\ncomprised of .057 for Life, .170 for Disability and .200 for Involuntary\nUnemployment. Coverages are underwritten by American Bankers\nLife Assurance Company of Florida and American Bankers Ins.\nCompany of Florida, 11222 Quail Roost Drive, Miami FL 33157. The\nTexas certificate number for Life and Disability is AC3181CB-0592\n(3.53 R.A.) and Unemployment is AD9139CQ-0791 and B2754EQ-1089.\nThe administrative offices for this program are located in Fort Worth, TX.\nThere is a Returned Check Fee of $25.00.\nThe information about the costs of the Card described in this\napplication is accurate as of 08/01/05. This information may have\nchanged after that date. To find out what may have changed, call\n1-713-222-1244 or write to Space City CU at 3101 Harrisburg Blvd.,\nHouston, TX, 77003.\nCalifornia residents: Applicants: 1) may, after credit approval, use the\ncredit card account up to its credit limit; 2) may be liable for amounts\nextended under the plan to any joint applicant. As required by law,\nyou are hereby notified that a negative credit report reflecting on your\ncredit record may be submitted to a credit reporting agency if you fail\nto fulfill the terms of your credit obligations.\nOhio residents: Ohio anti-discrimination laws require creditors to\nmake credit equally available to all credit worthy customers and\nthat credit reporting agencies maintain separate credit histories\non individuals upon request. The Ohio Civil Rights Commission\nadministers compliance with this law.\nNew York and Vermont residents: At any time, we may obtain your credit\nreports, for any legitimate purpose associated with the account or the\napplication or request for an account, including but not limited to reviewing,\nmodifying, renewing and collecting on your account. On your request, you\nwill be informed if such a report was ordered. If so, you will be given\nthe name and address of the consumer reporting agency furnishing\nthe report.\nMarried Wisconsin residents: No provision of any marital property\nagreement, unilateral statement, or court order applying to marital\nproperty will adversely affect a creditor\xe2\x80\x99s interests unless prior to\nthe time credit is granted, the creditor is furnished with a copy of the\nagreement, statement or court order, or has actual knowledge of the\nprovision.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n12.90% When you open your\n\nAPR for Balance Transfers\n\n12.90% When you open your\n\naccount for MasterCard Classic\n9.90% When you open your\naccount for MasterCard Platinum\naccount for MasterCard Classic\n9.90% When you open your\naccount for MasterCard Platinum\n\nAPR for Cash Advances\n\n12.90% When you open your\naccount for MasterCard Classic\n9.90% When you open your\naccount for MasterCard Platinum\n\nPenalty APR and When it\nApplies\n\n\x07None\n\nHow to Avoid Paying Interest\n\nYour due date is at least 25 days\nafter the close of each billing cycle.\nWe do not charge you interest on\npurchases if you pay your entire\nbalance by the due date each\nmonth.\n\nMinimum Charge\n\nNone\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\n\x07To learn more about factors to\nconsider when applying for or\nusing a credit card, visit the Web\nsite of the Consumer Financial\nProtection Bureau at http://www.\nconsumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\nBalance Transfer\n\nNone\n\nCash Advance\n\nNone\n\nForeign Transaction\n\n1% of transaction amount\n\nPenalty Fees\nLate Payment\n\n$20.00\n\nOver-the-Credit Limit\n\nNone\n\nReturned Payment\nRush Order Fee\n\n$25.00\n$27.50\n\nHow We Will Calculate Your Balance. We use a method called\n\xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account\nAgreement for more details.\nBilling Rights. Reference to the account agreement for more details\non billing-error rights.\n\nG14294\n\nSPACE CITY CREDIT UNION\n3101 Harrisburg Blvd. \xe2\x80\xa2 Houston, TX, 77003\nHarris County \xe2\x80\xa2 713-222-1244 \xe2\x80\xa2 800-762-3543\nCREDIT CARD AGREEMENT AND\nDISCLOSURE STATEMENT FOR\nYOUR MASTERCARD\xc2\xae ACCOUNT\nNotice: Read and retain this copy of your Agreement and Truth in\nLending Disclosure for future reference.\nTERMS USED IN THIS AGREEMENT: This Agreement\nand Disclosure Statement covers your MasterCard\xc2\xae Account\n(\xe2\x80\x9cAccount\xe2\x80\x9d) shown above. In this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d\nand \xe2\x80\x9cyour\xe2\x80\x9d mean any person who signs this Agreement or uses\nthe Card. \xe2\x80\x9cWe\xe2\x80\x9d \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d mean the credit union named\nabove. The \xe2\x80\x9cCard\xe2\x80\x9d means any credit card issued to you or those\ndesignated by you under the terms of this Agreement. \xe2\x80\x9cUse of\nthe Card\xe2\x80\x9d means any procedure used by you, or someone\nauthorized by you, to make a purchase or an advance whether\nor not the purchase or advance is evidenced by a signed written\ndocument. \xe2\x80\x9cUnauthorized use\xe2\x80\x9d means the use of your Card by\na person, other than you, who does not have actual, implied,\nor apparent authority for such use, and from which you receive\nno benefit. In this Agreement, any plural terms shall be deemed\nsingular and any singular terms shall be deemed plural when\ncontext and construction so require.\nEXTENSION OF CREDIT: If your application is approved, we\nmay, at our discretion, establish an Account in your name and\ncause one or more Cards to be issued to you or those designated\nby you. In such event, you authorize us to pay for your Account\nall items reflecting credit purchases, balance transfers, and cash\nadvances obtained through use of the Card.\nJOINT APPLICANT LIABILITY: If this Agreement is executed by\nmore than one person, each of you shall be jointly and individually\nliable to us for all charges made to the Account, including\napplicable fees. In addition, you agree that each of you designates\nthe other as agent for the purpose of making purchases extended\nunder this Agreement and each use of your Account shall be an\nextension of credit to all. Notice to one of you shall constitute\nnotice to all. Any joint cardholder may remove him/herself from\nresponsibility for future purchases at any time by notifying us in\nwriting. However, removal from the Account does not release you\nfrom any liability already incurred.\nCONVENIENCE CHECKS: We may, at our discretion, issue\nchecks to you which may be used for any purpose other than\nmaking a payment for credit to your Account. By signing such\nchecks, you authorize us to pay the item for the amount indicated\nand post such amount as a cash advance to your Account. We\ndo not have to pay any item which would cause the outstanding\nbalance in your Account to exceed your credit limit. Charges that\napply in connection with the use of Convenience Checks are as\nfollows: Copy of Paid Check $10.00; Stop Payment on Check\n$25.00; Non-Sufficient Funds Check (NSF) $25.00. Fees will be\nassessed at the time they are incurred.\nOTHERS USING YOUR ACCOUNT: If you allow anyone else to\nuse your Card, you will be liable for all credit extended to such\npersons. You promise to pay for all purchases, balance transfers,\nand cash advances made by anyone whom you authorize to use\nyour Card, whether or not you notify us that he or she will be using\nit. If someone else is authorized to use your Card and you want\nto end that person\xe2\x80\x99s privilege, you must notify us in writing, and if\n\n\x0che or she has a Card, you must return the Card with your written\nnotice for it to be effective.\nCREDIT LIMITS: You promise that payments we make for your\nAccount resulting from use of the Card will at no time cause the\noutstanding balance of your Account to exceed your credit limit as\nestablished by us or as adjusted from time to time at our discretion.\nPROMISE TO PAY: You promise to pay us in U.S. dollars for (a)\nall purchases, cash advances, and balance transfers made by you\nor anyone whom you authorize to use the Card or Account; (b)\nFINANCE CHARGES and other charges or fees; (c) collection\ncosts and attorney\xe2\x80\x99s fees as permitted by applicable law, and\nany costs incurred in the recovery of the Card; and (d) credit in\nexcess of your credit limit that we may extend to you. At the\nend of each monthly billing cycle for which you have a balance\non your Account, you will be furnished with a periodic statement\nshowing (i) the \xe2\x80\x9cPrevious Balance\xe2\x80\x9d (the outstanding balance in the\nAccount at the beginning of the billing cycle), (ii) the amount of\nall cash advances, purchases, balance transfers, Late Charges,\nAnnual Fees, FINANCE CHARGES, and other charges or fees\nposted to your Account during the billing cycle, (iii) the amount of\nall payments and credits posted to your Account during the billing\ncycle, and (iv) the \xe2\x80\x9cNew Balance\xe2\x80\x9d which is the sum of (i) and (ii)\nminus (iii).\nYou agree to pay on or before the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d shown\non the monthly periodic statement the entire New Balance or a\nMinimum Payment equal to an amount which is at least 2% of the\nNew Balance or $18.00, whichever is greater, plus any amount\nin excess of the credit limit established by us and any past due\nminimum payments. If the New Balance is $18.00 or less, you\nagree to pay it in full. You may make extra payments in advance\nof the due date without a penalty, and you may repay any funds\nadvanced, credit extended, or amount outstanding at any time\nwithout a penalty for early payment. Regardless of the amount of\nany extra payment during a given month, a monthly payment will be\nrequired the following month if a balance remains in your Account.\nCOST OF CREDIT: You will pay a FINANCE CHARGE for all\nadvances made against your MasterCard Classic account at the\nperiodic rate of .035342% per day, which has a corresponding\nANNUAL PERCENTAGE RATE of 12.9%. All advances made\nagainst your MasterCard Platinum account at the periodic rate\nof .027123% per day, which has a corresponding ANNUAL\nPERCENTAGE RATE of 9.9%. FINANCE CHARGES for cash\nadvances and balance transfers begin to accrue on the date of\nthe advance. New purchases will not incur a FINANCE CHARGE\non the date they are posted to your Account if you have paid the\nAccount in full by the Payment Due Date shown on your previous\nmonthly statement, or if there was no previous balance. The\nPayment Due Date is not less than 25 days from the billing cycle\nclosing date shown on your statement\nThe FINANCE CHARGE is figured by applying the periodic rate to\nthe \xe2\x80\x9cBalance Subject to FINANCE CHARGE\xe2\x80\x9d which is the \xe2\x80\x9cAverage\nDaily Balance\xe2\x80\x9d of your Account, including current transactions. The\nAverage Daily Balance is arrived at by taking the beginning balance\nof your Account each day, adding in any new cash advances, and\nunless you pay your Account in full by the Payment Due Date\nshown on the previous monthly statement or there is no previous\nbalance, adding in new purchases, and subtracting any payments\nor credits and unpaid FINANCE CHARGE. This gives us the\ndaily balance. The daily balances for the billing cycle are then\nadded together and divided by the number of days in the billing\ncycle. The result is the Average Daily Balance. The FINANCE\n\nCHARGE is determined by multiplying the Average Daily Balance by\nthe number of days in the billing cycle and applying the periodic rate\nto the product.\nLIABILITY FOR UNAUTHORIZED USE: You may be liable for\nthe unauthorized use of your Card. You will not be liable for any\nunauthorized use of your Card if you notify us orally or in writing at\nthe Credit Card Center, PO Box 815909, Dallas, TX 75381-5909,\ntelephone number 1-800-442-4757, of the loss, theft, or possible\nunauthorized use and you meet the following conditions: (1) you have\nexercised reasonable care with the Card; (2) you have not reported\ntwo or more incidents of unauthorized Card use within the previous 12\nmonths; and (3) you have maintained your Account in good standing.\nThe foregoing liability limitation does not apply to ATM cash advance\ntransactions. In any case, your maximum liability for unauthorized\nuse of the Card will not exceed $50 and you will not be liable for any\nunauthorized use that occurs after you notify us (or our designee) at\nthe address or telephone number above.\nCREDITING OF PAYMENTS: We do not charge for payments\nyou make by standard mail service or other reasonable means. If\nwe charge a fee for any expedited payment service we offer, that\nfee will be disclosed to you at the time you request the service. All\npayments made on your Account at the address designated for\npayment on the monthly periodic statement will be credited to\nyour Account on the date of receipt. If the date of receipt is not a\nbusiness day, your payment will be credited on the first business\nday following receipt. All payments on your Account will be applied\nfirst to collection costs, then to any FINANCE CHARGE and other\nfees due, and then to the unpaid principal balance. Interest paid or\nagreed to be paid shall not exceed the maximum amount permissible\nunder applicable law, and in any contingency whatsoever, if we shall\nreceive anything of value deemed interest under applicable law which\nwould exceed the maximum amount of interest permissible under\napplicable law, the excessive interest shall be applied to the reduction\nof the unpaid principal amount or refunded to you.\nLATE CHARGE: If a payment is 11 days or more past due, you will\nbe charged a Late Charge of $20.00.\nRETURNED CHECK FEE: We will charge you a Returned Check\nFee of $25.00 each time you pay us with a check that is returned\nunpaid. We will charge you this fee the first time any payment is\nreturned unpaid, even if it is paid upon resubmission.\nTERMINATION AND CHANGES:\nYou may terminate this\nAgreement, by written notice, as to future advances at any time.\nWe can terminate this Agreement at any time subject to such notice\nas may be required by applicable law. Termination by either party\nshall not affect your obligation to repay any payments made for\nyour Account resulting from use of the Card as well as FINANCE\nCHARGES and other related charges. We may change the terms\nof this Agreement, including the periodic rate, at any time subject to\nsuch notice as may be required by applicable law. If you use your\nCard or Account to make a purchase or cash advance or balance\ntransfer after having been given notice of a change in terms, you\nagree that the existing balance in your Account at the time of that use\nwill be subject to the new terms, as shall subsequent uses.\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 EXTENSIONS MADE UNDER THIS\nAGREEMENT. THE GRANTING OF THIS SECURITY INTEREST IS\nA CONDITION FOR THE ISSUANCE OF ANY CARD WHICH YOU\nMAY USE, DIRECTLY OR INDIRECTLY, TO OBTAIN EXTENSIONS\nOF CREDIT UNDER THIS AGREEMENT.\n\nShares and deposits in an Individual Retirement Account or\nany other account that would lose special tax treatment under\nstate or federal law if given as security are not subject to the\nsecurity interest you are giving. Collateral securing other loans\nwith us may also secure payments for your Account under this\nAgreement.\nDEFAULT: You will be in default: (1) if you fail to make any payment\non time; (2) if you fail to keep any promises you have made under\nthis or any other agreement with us; (3) if you are the subject of\nan order of relief under Title 11 of the U.S. Code (Bankruptcy); (4) if\nanyone tries, by legal process, to take any of your money maintained\nwith us; (5) if you have given us false or inaccurate information in\nobtaining your Card; or (6) if we reasonably believe that you are\nunable or unwilling to repay your obligations to us.\nACCELERATION: If you are in default, without notice to you we may\naccelerate your debt and call any amounts you owe immediately\ndue and payable, plus FINANCE CHARGES which shall continue to\naccrue until the entire amount is paid. You expressly waive any right\nto notice of our intention to accelerate and notice that your debt has\nbeen accelerated.\nNOTIFICATION ADDRESS FOR INFORMATION REPORTED TO\nCONSUMER REPORTING AGENCIES: We may report the status\nand payment history of your Account to credit reporting agencies\neach month. If you believe that the information we have reported is\ninaccurate or incomplete, please notify us in writing at the address\nshown above in this Agreement. Please include your name, address,\nhome telephone number and Account number.\nRECEIPT OF AND AGREEMENT TO TERMS AND CONDITIONS OF\nAGREEMENT: By using the Card, you agree to all the terms and\nconditions and promise to perform all the obligations, requirements,\nand duties contained in this Agreement, and you acknowledge receipt\nof a copy of this Agreement.\nCREDIT INVESTIGATION: In conjunction with your application\nfor credit and, if approved, maintenance of your Account, you agree\nthat we have the right to investigate your credit and employment\nhistory, to verify your credit references, to request and use credit\nreports, and to report the way you pay your Account to credit bureaus\nand other interested parties.\nADDITIONAL PROVISIONS: Each provision of this Agreement must\nbe considered part of the total Agreement and cannot in any way\nbe severed from it. However, if any provision of this Agreement is\nfinally determined to be void or unenforceable under any law, rule, or\nregulation, all other provisions of this Agreement will remain valid and\nenforceable. You understand that this Agreement is performable in the\ncounty and state of the credit union shown above in this Agreement, and\nthe validity, construction, and enforcement of this Agreement shall be\ngoverned by applicable federal law and the laws of the state in which the\ncredit union shown above is primarily located. We do not warrant any\nmerchandise or services purchased by you with the Card. All\npurchases and cash advances are extended at the option of the\nmerchant or cash-advancing financial institution and we are not\nresponsible for the refusal of any merchant or financial institution\nto honor your Card. The Card remains our property at all times,\nand you agree to immediately surrender the Card upon demand.\nYou agree to pay all reasonable costs of collection, including\ncourt costs and attorney\xe2\x80\x99s fees, and any costs incurred in the\nrecovery of the Card. We can accept late payments or partial\npayments, or checks or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\nwithout losing any of our rights under this Agreement. We can\nalso delay enforcing any of our rights under this Agreement\n\nwithout losing them. You expressly waive presentment for payment,\ndemand, protest, and notice of protest and dishonor of same.\nYou agree to give us prompt notice of any change in your name,\nmailing address, telephone number or place of employment.\nYou may not use your Card for any illegal transaction. You agree\nthat we may decline to process any transaction which we believe\nin good faith to be for an illegal purpose. You agree that we will\nnot be liable for declining to process any such transaction. If we\ndo process any transaction which ultimately is determined to have\nbeen for an illegal purpose, you agree that you will remain liable to\nus under this agreement for any such transaction notwithstanding\nits illegal nature. You agree that any illegal use of the Card will\nbe deemed an act of default under this Agreement. You further\nagree to waive any right to take legal action against us for your\nillegal use of the Card and to indemnify and hold us, and/or\nMasterCard International, Incorporated harmless from and against\nany lawsuits, other legal action, or liability that results directly or\nindirectly from such illegal use.\nIf you effect a transaction with your MasterCard in a currency\nother than U.S. dollars, MasterCard International will convert the\ncharge into a U.S. dollar amount. MasterCard International will use\nits currency conversion procedure, which is disclosed to institutions\nthat issue MasterCard cards. Currently the currency conversion\nrate used by MasterCard International to determine the transaction\namount in U.S. dollars for such transactions is generally either\na government mandated rate or a wholesale rate determined\nby MasterCard International for the processing cycle in which\nthe transaction is processed, increased by an adjustment factor\nestablished from time to time by MasterCard International. The\ncurrency conversion rate used by MasterCard International on\nthe processing date may differ from the rate that would have been\nused on the purchase date or cardholder statement posting date.\nWHAT TO DO IF THERE IS AN ERROR ON YOUR STATEMENT\nNOTICE OF YOUR BILLING RIGHTS \xe2\x80\x93\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and\nour responsibilities under the Fair Credit Billing Act.\nNotify Us in Case of Errors or Questions About Your\nStatement. If you think your statement is wrong or if you need\nmore information about a transaction on your statement, write us\non a separate sheet at the address listed on your statement. Write\nto us as soon as possible. We must hear from you no later than\n60 days after we sent you the first statement on which the error or\nproblem appeared. You can telephone us, but doing so will not\npreserve your rights.\nIn your letter, give us the following information: (1) Your name and\nAccount number. (2) The dollar amount of the suspected error. (3)\nDescribe the error and explain, if you can, why you believe there\nis an error. If you need more information, describe the item you\nare not sure about.\nIf you have authorized us to pay your credit card bill automatically\nfrom your savings or checking account, you can stop the payment\non any amount you think is wrong. To stop the payment, your letter\nmust reach us 3 business days before the automatic payment is\nscheduled to occur.\n\n\x0c'