b'4/19/2016\n\nApplication Disclosures\nHome\n\nOnline Banking\n\nInternet Banking\n\nContact Us\n\nPersonal\n\nBusiness\n\nLocations\n\nLoans\n\nAbout Us\n\nCareers\n\nCustomer Education\n\nIn the News\n\nInvestor Relations\n\nApplication Disclosures \xe2\x80\x90 Investar Platinum Consumer Credit Cards\n\nUsername:\n\nRev 3\xc2\xad2016\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\nPrivacy Policy\nClick Here\nMake Your Loan Payment*\nClick Here\n*New Look for Make a Payment\nnow live!\nApply for a Home\nEquity Line of Credit\nClick Here\nTo view a list of our\nNMLS originators\nClick Here\n\n7.24%, 10.24%\n\nor\n\n13.24%\n\nwhen you open your account, based on\n\nyour creditworthiness.\nAfter that, your APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\nand Cash Advances\n\n7.24%, 10.24% or 13.24% when you open your account, based on your\ncreditworthiness.\nAfter that, your APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth.\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 card, visit the\nwebsite of the Consumer Financial Protection Bureau\nat http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$10.00\n\nTransaction Fees\n\xc2\xb7 Cash Advance\n\n$5.00\n\n\xc2\xb7 Foreign Transaction\n\n1.0% of each transaction in U.S. dollars, if transaction is made outside U.S. and\nconverted from foreign currency\xcd\xbe or\n0.8% of each transaction in U.S. dollars, if transaction is made outside U.S. in U.S.\ndollars\n\nPenalty Fees\n\xc2\xb7 Late Payment\n\nUp to $15\n\n\xc2\xb7 Returned Payment\n\nUp to $15\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nImportant Information About Procedures for Opening a New Account. To help the government fight the funding of terrorism and\nmoney laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies\neach person who opens an account. What this means for you: When you open an account, we will ask for your name,\naddress, date of birth, and other information that will allow us to identify you. We may also ask to see your driver\xe2\x80\x99s license or\nother identifying documents.\nTerms and Conditions: The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each person (as an individual) and all persons (as a group) applying\nas a Primary Applicant or Co\xc2\xadApplicant. You are applying for a credit card account provided by Investar Bank, Baton Rouge, LA\n(\xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d). By applying, you certify and agree that:\n\xc2\xb7\n\nYou are at least 18 years old (or at least 19, if a Nebraska or Alabama resident)\xcd\xbe\n\n\xc2\xb7\n\nYou received, read, and agree to all terms and conditions provided with this application\xcd\xbe\n\n\xc2\xb7\n\nAll information and documents provided with your application are true, correct, and complete and we may rely on it\xcd\xbe\n\n\xc2\xb7\n\nYou are asking us to issue credit cards for account access to you and each Authorized User that any of you designate\xcd\xbe\n\n\xc2\xb7\n\nYou agree to be responsible, individually and together, for account use by any of you and any Authorized User\xcd\xbe\n\n\xc2\xb7\n\nYou will read the Investar Bank Cardholder Agreement and its Account Opening Disclosures carefully before you use or\nallow anyone else to use any credit card account\xcd\xbe\n\n\xc2\xb7\n\nWe are allowed to verify your employment, income, address, and all other information about you with financial\ninstitutions, credit reporting agencies, employers, government agencies, and other third parties\xcd\xbe\n\n\xc2\xb7\n\nWe are authorized to use and disclose information about you, this application and any account we provide for our\neveryday business purposes, to the extent permitted by applicable law and as described in our Privacy Policy, including\ninformation we share with our service providers and other financial institutions to maintain and provide your credit card\naccount\xcd\xbe and\n\n\xc2\xb7\n\nThe obligations incurred with this credit card account are being incurred in the interest of your marriage or family, if you\nare married and living in a community property state.\n\nYou agree that we may obtain consumer credit reports about you to review this application, and, if we open a credit card\naccount for you, that we may obtain consumer credit reports about you in the future to review, update, renew, collect, and\nservice your credit card account and for other purposes permitted by law. We will, if you request, tell you whether we obtained\na consumer credit report about you and tell you the name and address of any consumer reporting agency that provided the\nreport.\nIf we open a credit card account for you, you understand and agree that you will be subject to all terms and conditions\ndescribed in our Investar Bank Cardholder Agreement, as amended from time to time, including but not limited to its terms\n\nhttps://www.investarbank.com/Personal/CreditCards/ApplicationDisclosures.aspx\n\n1/2\n\n\x0c4/19/2016\n\nApplication Disclosures\nrelated to account payments, rates, fees, and other terms. This Investar Bank Cardholder Agreement becomes effective the\nfirst time you or any Authorized User activates a Card or uses the Account in any way. You understand and agree that we may\nchange the Investar Bank Cardholder Agreement and the rates, fees, and terms of your credit card account as allowed by law,\nafter we give any notice and wait any time period that the law requires.\nConsent for Communications: By providing at any time the number of your land line, cell phone or other wireless device and\nyour email address, you expressly consent and agree that we and any of our affiliates, agents, service providers or assignees\nmay call you, using an automatic telephone dialing system or otherwise\xcd\xbe may leave you a voice, prerecorded, or artificial voice\nmessage\xcd\xbe and may send you a text, e\xc2\xadmail or other electronic message for any purpose related to the servicing or collection of\nany Account, Card or loan you may receive from us or for other informational purposes related to your Account (each a\n\xe2\x80\x9cCommunication\xe2\x80\x9d). You agree that we and any of our affiliates, agents, service providers or assignees may call or text you at\nany telephone number associated with your accounts that you provide to us now or in the future, including cellular telephone\nnumbers, and that we may send an e\xc2\xadmail to any email address associated with your accounts that you provide to us now or in\nthe future. To cancel your consent for use of automatic telephone dialing systems and prerecorded or artificial voice messages,\nplease write to us at Investar Bank, 10500 Coursey Blvd., 3rd Floor Loan Operations, Baton Rouge, LA 70816. You also agree\nthat we and any of our affiliates, agents, service providers or assignees may include your personal information in a\nCommunication. We will not charge you for a Communication, but your service provider may. You agree that we and our agents\nand service providers may monitor and record telephone calls about your credit card account to assure service quality or for\nother legitimate business reasons. In addition, you understand and agree we and any of our affiliates, agents, service providers\nor assignees may always communicate with you in any manner permissible by law that does not require your prior consent.\nNotice of Negative Information Furnishing: We may report information about your account to credit bureaus. Late payments,\nmissed payments, or other defaults on your account may be reflected in your credit report.\nNotice to California Residents: An applicant, if married, may apply for a separate account. After credit approval, the Primary\nApplicant and any Co\xc2\xadApplicant shall each have the right to use the account to the extent of any established credit limit and each\nmay be liable for all credit extended under the account.\nNotice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all\ncreditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request.\nThe Ohio Civil Rights Commission administers compliance with this law.\nNotice to New York Residents: You may contact the New York Department of Financial Services at (877) 226\xc2\xad5697 to obtain a\ncomparative listing of credit card rates, fees, and grace periods.\nNotice to Married Wisconsin Residents: Wisconsin law provides that no agreement, unilateral statement or court decree relative\nto marital property shall adversely affect a creditor\xe2\x80\x99s interest, unless prior to the time credit is granted the creditor is furnished a\ncopy of the agreement, statement or decree, or has actual knowledge of the adverse provision. If any or both of you are\nmarried Wisconsin residents, each of you agree to provide us with your spouse\xe2\x80\x99s name and address at the following address\nwithin five (5) days of your application, so we can provide your spouse(s) with any notice required by Wisconsin law: Investar\nBank, 10500 Coursey Blvd., 3rd Floor Loan Operations, Baton Rouge, LA 70816.\nHelpful Links\n\nCalculators\n\nhttps://www.investarbank.com/Personal/CreditCards/ApplicationDisclosures.aspx\n\nDisclaimers\n\n2/2\n\n\x0c'


b'ARVEST BANK\n\nF03-Y472-0 -0520\n\nCARDHOLDER AGREEMENT\nIMPORTANT: This Cardholder Agreement, which includes the Account\nOpening Disclosures, (\xe2\x80\x9cAgreement\xe2\x80\x9d) is your contract with us governing\nthe credit card account (\xe2\x80\x9cAccount\xe2\x80\x9d). You have accepted the terms and\nconditions of this Agreement if you sign, use, or allow others to use, your\nCredit Card. You also have accepted this Agreement if within 30 days of\nreceipt of the Credit Card you have not destroyed the Credit Card and\ninformed us in writing at Arvest Bank, P.O. Box 6139, Norman, Oklahoma\n73070, or by phone at 1-800-356-8085 that you choose not to accept\nthis Agreement.\nThe term \xe2\x80\x9cCredit Card\xe2\x80\x9d refers to one or more Credit Cards or other\naccess devices (including an Account number) that we have issued to\nyou or someone else with your authorization to access credit under this\nAgreement.\nThe words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to each person who is contractually\nliable under this Agreement. If we issue you a joint Account, each of you\nagrees to be liable individually and jointly for the entire amount owed on\nthe Account; and any notice we send to an address provided by either of\nyou for the Account will serve as notice to both of you.\nThe words \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d refer to Arvest Bank, Fayetteville,\nArkansas, which is the issuer of your Credit Card.\nThe following information is provided as required by the Federal\nConsumer Credit Protection Act and the Oklahoma Uniform Consumer\nCredit Code. This information is a part of the Agreement.\n\nYOUR ACCOUNT\nRESPONSIBILITY FOR OBTAINING CREDIT. You agree to accept\nresponsibility and pay all amounts due for credit you have obtained from\nus, plus any Fees and Interest Charges. You obtain credit from us when\nPurchases, Cash Advances, or Balance Transfers are made using your\nAccount, by:\n1. You;\n2. An Authorized User; or\n3. Other people, if you or an Authorized User give them access to use\nyour Account.\nYou must pay us for all amounts due on your Account. This\nincludes transactions made by an Authorized User, including\ntransactions for which you may not have intended to be liable,\neven if the amount of those transactions causes a Credit Limit to\nbe exceeded.\nCREDIT LIMIT. We will let you know your Credit Limit when you open\nyour Account. We may establish a lower Cash Credit Limit for Cash\nAdvances. Your available Credit Limit and Cash Credit Limit will appear\non each Monthly Periodic Statement. We may (at our option and in\naccordance with all applicable laws) increase or decrease your Credit\nLimit and Cash Credit Limit at any time without prior notice. You must\nkeep your Account balance below your Credit Limit. If you do not, we\nmay request immediate payment of the amount by which you exceed it.\nCONSUMER PURPOSES. You may use your Account for personal,\nfamily, or household purposes. You may not use your Account for\nbusiness or commercial purposes.\nILLEGAL TRANSACTIONS. You may not use your Account for illegal\ntransactions, but if you do, this Agreement still applies, and you must pay\nus for those transactions. You also may have to pay the Card Network\nand/or us for any damages and expenses resulting from that use. In\naddition, we may close your Account.\n\nAUTHORIZED USERS\nISSUING CREDIT CARDS TO AUTHORIZED USER(S). You may ask\nus to issue a Credit Card on your Account to one or more Authorized\nUsers. You must obtain permission from each Authorized User and\nmake a copy of this Agreement available to each Authorized User prior to\neach addition. We will approve your request to issue a Credit Card to an\nAuthorized User in our sole discretion.\nREMOVING AUTHORIZED USERS. You must notify us to remove an\nAuthorized User from your Account. If we remove an Authorized User, in\nsome cases we may close your Account, open a new Account and issue\nyou a new Credit Card. You are responsible for any transactions made\nby an Authorized User on your Account even if the posting date shown\non your Monthly Periodic Statement for that transaction occurs after the\ndate you ask us to remove the Authorized User from your Account.\nACCOUNT USE BY AUTHORIZED USERS. Authorized User(s) can\naccess your credit by conducting Purchases and Cash Advances in the\nsame manner as Primary and Joint cardholders. Use of your Account\nby an Authorized User is subject to the terms of this Agreement. The\nAuthorized User(s) you add to your Account will not be considered a\nparty to your Agreement, cannot make any Account changes, and will\nnot be responsible to us for any amounts owing under the Agreement.\nYou will be responsible for all Purchases, Cash Advances, Fees, and\nInterest Charges incurred by each Authorized User, including those made\nby others when the Authorized User allows them to use your Account.\nYour credit history can and will refect Authorized User Account use.\nAuthorized Users that have been issued a Card can:\n\xe2\x80\xa2 Report lost or stolen Cards\n\xe2\x80\xa2 Request statement copies\n\xe2\x80\xa2 Initiate billing disputes\n\xe2\x80\xa2 Make payments\n\xe2\x80\xa2 Obtain Account information such as transaction histories\nACCOUNT INFORMATION RIGHTS FOR AUTHORIZED USERS. You\nallow us to discuss your Account with an Authorized User. This includes\ngiving him or her access to your Account information and history. You\nalso agree that an Authorized User may use and receive information\nabout the Account the same way you do. An Authorized User can not\nadd other Authorized Users, adjust the Credit Limit or close the Account.\nCREDIT REPORTING. Unless the Authorized User has been issued a\nCredit Card on the Account and is your spouse, we do not report the\nAuthorized User\xe2\x80\x99s credit activity related to this Account to Consumer\nReporting Agencies. This means the Authorized User\xe2\x80\x99s credit bureau\nreport will not be impacted by using this Account.\nINFORMATION ABOUT AUTHORIZED USERS WHO ARE A SPOUSE. If\nyou ask us to issue a Credit Card to your spouse as an Authorized User,\nyou agree to give us certain personal information about them. You must\nlet them know that you will give us that information, you must have their\npermission to do so, and you must have their permission to allow us to\nshare information about them as allowed by applicable law. This includes\ninformation we may get from you, any Authorized User, and others. It\nalso includes information about the transactions on the Account. We\nreport information about this Account to Consumer Reporting Agencies.\nThis information may appear on your spouse\xe2\x80\x99s credit report. This could\ninclude information about: Late Payments, Overlimit Amounts, Returned\nPayments, and other violations of this Agreement. You must let them\nknow that we report Account information in their name.\nCREDIT LIMITS AND ACCOUNT INFORMATION RIGHTS. You must\nassign a designated Credit Limit amount to each Credit Card Authorized\nUser. The Credit Limit for any Authorized User cannot exceed the\nCredit Limit applicable to the primary cardholder\xe2\x80\x99s Credit Limit, and the\ntotal amount outstanding on the Account cannot exceed the primary\ncardholder\xe2\x80\x99s Credit Limit. The Credit Limit amount you assign will reset\neach month on the date of your Monthly Periodic Statement, and the\nadditional card holder Authorized User will have access to their entire\nCredit Limit, subject to the total amount of available credit on the\nAccount. Monthly Periodic Statements, disclosures and notices for the\nprimary cardholder\xe2\x80\x99s Credit Card and each Authorized User\xe2\x80\x99s additional\nCredit Card will be sent only to the address we have for you in our fles.\n\nVARIABLE ANNUAL PERCENTAGE RATE &\nINTEREST CHARGES\nANNUAL PERCENTAGE RATE (APR). The APRs and periodic rates are\nshown on your Account Opening Disclosures.\nVARIABLE RATES. If a rate is a variable rate, we calculate the rate by\nadding a percentage to the Prime Rate. This percentage is shown on your\nAccount Opening Disclosures. To calculate the Prime Rate, we use the\nU.S. Prime Rate published in The Wall Street Journal (Journal) on the last\nday of each month. If the Journal is not published on that day, then see\nthe immediately preceding edition. A variable APR can either increase or\ndecrease, as the Prime Rate changes. A change in a variable APR will\nbe effective for the billing cycle that ends in the second month after the\nPrime Rate change. We use the APR to determine your Interest Charge\non any outstanding balance you have not paid in full by the Payment\nDue Date. If an APR increases, your payment amount and the Interest\nCharges may also increase. A variable APR applicable to your Account\ncan change each billing cycle. Your APR, in no event, will be higher than\napplicable state usury laws allow.\nAVERAGE DAILY BALANCE. The amount of interest we charge you is\ncalled an Interest Charge. We calculate your Interest Charges each billing\ncycle by using the Average Daily Balance (including new transactions)\nmethod. We do this separately for each balance category on your\nAccount (e.g. Purchases, Balance Transfers, Cash Advances, and each\n\npromotional balance). For each balance category, to determine the\nAverage Daily Balance, we must frst calculate the daily balance.\nTo calculate the daily balance, we will:\n\xe2\x80\xa2 take the beginning balance of that balance category each day\n(any credit balance is treated as a zero balance); then\n\xe2\x80\xa2 add any new transactions of that type that occurred on that day;\nthen\n\xe2\x80\xa2 subtract the applicable portion of any payments or credits; then\n\xe2\x80\xa2 subtract any unpaid Fees that have posted to that balance\ncategory during the billing cycle; then\n\xe2\x80\xa2 subtract any unpaid interest that may have been charged to you\nfor transactions in that balance category.\nThen, to calculate your Average Daily Balance, we will:\n\xe2\x80\xa2 add up all the daily balances for the billing cycle; then\n\xe2\x80\xa2 divide the total by the number of days in the billing cycle.\nIf a transaction occurred before the start of a new billing cycle but\nposts afterwards, we will include that transaction on the frst day\xe2\x80\x99s\ntransactions of the new billing cycle.\nYou authorize us to use equivalent processes that result in substantially\nsimilar outcomes except for minor variations due to rounding.\nCALCULATING INTEREST CHARGES. Interest Charges begin to accrue\non Purchases (unless your Account is subject to a Grace Period, see\n\xe2\x80\x9cGRACE PERIOD\xe2\x80\x9d section of this agreement), Balance Transfers, and\nCash Advances on the transaction date, and will continue to accrue until\nyou pay the entire New Balance in full. The Interest Charges that accrue\nup to that billing cycle\xe2\x80\x99s statement closing date will be shown on the\nMonthly Periodic Statement for that billing cycle.\nTo calculate Interest Charges each billing cycle, we will:\n\xe2\x80\xa2 determine your monthly periodic rate (\xe2\x80\x9cMPR\xe2\x80\x9d) by dividing the\napplicable APR by 12; then\n\xe2\x80\xa2 multiply the Average Daily Balance for that balance category by\nthe MPR.\nGRACE PERIOD FOR PURCHASES. You may have an interest-free\nperiod (\xe2\x80\x9cGrace Period\xe2\x80\x9d) to repay your balance for Purchases before\nInterest Charges are imposed.\nWe will not charge you interest on new Purchases when:\n\xe2\x80\xa2 your New Balance shown on your Monthly Periodic Statement\nfor the previous billing cycle is paid in full by the Payment Due\nDate;\n\xe2\x80\xa2 your Previous Balance is zero; or\n\xe2\x80\xa2 your Previous Balance is a credit balance.\nIf none of these conditions occur, Interest Charges will be imposed on\nPurchases from the date they are posted to your Account. The next time\nyou pay your entire New Balance in full by the Payment Due Date, the\nGrace Period will apply to new Purchases in the billing cycle they are\nmade. The next billing cycle in which you pay your entire New Balance\nin full by the Payment Due Date, the Grace Period will again apply to\nPurchases.\nThe Grace Period applies to Purchases only. There is no Grace Period\nfor Cash Advances and Balance Transfers. There is no time period within\nwhich to repay Cash Advances or Balance Transfers without incurring\nInterest Charges.\nNEW BALANCE. To calculate your New Balance at the end of each billing\ncycle, we take your balance at the start of your billing cycle (Previous\nBalance) and:\n\xe2\x80\xa2 add any new transactions posted during the billing cycle; then\n\xe2\x80\xa2 subtract any credits or payments posted during the billing cycle;\nthen\n\xe2\x80\xa2 add any Interest Charges or Fees incurred during the billing cycle;\nand\n\xe2\x80\xa2 make any applicable adjustments (such as disputed charges).\n\nPAYMENTS\nWAYS TO MAKE YOUR PAYMENT. Payments must be made by the\nPayment Due Date shown on your Monthly Periodic Statement. If your\npayment falls on a weekend or legal holiday it will be due the following\nbusiness day. You can make payments in the following ways:\n\xe2\x80\xa2 in person at any Arvest Branch;\n\xe2\x80\xa2 by contacting us by phone utilizing either the Interactive Voice\nResponse system (IVR) or Customer Service agent;\n\xe2\x80\xa2 by mailing your payment to the address shown on your Monthly\nPeriodic Statement;\n\xe2\x80\xa2 by utilizing a bill pay service provided by another banking\ninstitution; or\n\xe2\x80\xa2 by making an electronic payment through your online Account.\nYou can set up your online Account at www.arvest.com.\nYou must pay in U.S. dollars. Please do not send cash.\nAll checks must be drawn on funds on deposit in the United States.\nWe may refuse to accept a payment in a foreign currency. If we do accept\nit, we will charge your Account our cost to convert it to U.S. dollars.\nWe can accept late payments, partial payments or payments marked\n\xe2\x80\x9cpayment in full\xe2\x80\x9d or with any other restrictive endorsement without losing\nany of our rights under this Agreement.\nIf a third party makes a payment on your Account and we return all or a\npart of such payment, then we may adjust your Account for any amount\nreturned. We reserve the right to defend ourselves against any demand\nto return funds we have received, and may agree to a compromise of the\ndemanded amount as part of a settlement.\nMINIMUM MONTHLY PAYMENT. You must make all monthly payments\nby the Payment Due Date shown on your Monthly Periodic Statement.\nYou have the option to pay your Account in full at any time. You may\nchoose to pay less than the entire New Balance but not less than the\nMinimum Payment due, unless we require immediate payment of your\nentire outstanding balance in full (see default section). Paying only the\nMinimum Payment due will extend the time it takes you to pay off your\noutstanding balance.\nMINIMUM PAYMENT DUE CALCULATION. The Minimum Payment\ndue is the minimum dollar amount shown on your Monthly Periodic\nStatement that must be paid by the due date that is specifed each month.\nIf the New Balance is less than $20.00, the Minimum Payment will equal\nthe New Balance. Otherwise, to calculate your Minimum Payment we\nstart with any past due amount or over limit amount. We then add the\ngreater of:\n\xe2\x80\xa2 $20.00, or\n\xe2\x80\xa2 the billed Interest Charges, any billed Late Payment Fees, plus 1%\nof the New Balance.\nWe round the amount of the Minimum Payment Due to the nearest dollar.\nThe New Balance amount will include Fees that have posted to your\nAccount. Fees can include Returned Check Fees, Cash Advance Fees,\nBalance Transfer Fees, or Late Payment Fees (we describe these Fees\nin the \xe2\x80\x9cFEES\xe2\x80\x9d section of this Agreement). The New Balance, including\nFees, will be used to calculate the Minimum Payment Due.\nAPPLICATION OF PAYMENTS TO YOUR ACCOUNT. We reserve the right\nto apply payments and credits in the manner we choose, provided we\ncomply with applicable Federal and State laws. We apply payments to\nyour Account by:\n\xe2\x80\xa2 crediting the amount of your payment that is equal to the\nMinimum Payment due, frst to any Interest Charges and other\ncharges and fees posted to your Account; then\n\xe2\x80\xa2 if your Account has balances with different APRs, we will credit\nthe balances with lower APRs frst.\nWe apply the portion of your payment that is more than the required\nMinimum Payment due by:\n\xe2\x80\xa2 frst applying the excess amount to balances with the highest\nAPRs; then\n\xe2\x80\xa2 applying the remaining amount of your payment to balances\nwith lower APRs (if any), in descending APR order.\nPayments received Monday through Friday at any Arvest branch during\nbranch hours will be credited the day they are received. If the payment\ndue date falls on a Saturday, Sunday, or a legal holiday, the payment\nwill be considered made on time when it is made on the next business\nday. Payments received by mail by 5pm Central Time will be credited on\nthat business day. We may delay increasing your available credit by the\namount of any payment that we receive for up to ten days.\nIf you pay more than the entire outstanding balance of your Account, we\nwill credit the excess to your Account, unless you request we send you a\ncheck for the excess payment once the payment clears.\n\nFEES\nANNUAL FEE. If Your Account has an annual fee, it is shown on the\naccompanying Account Opening Disclosure (Disclosure).\nRETURNED CHECK FEE. We will charge your Account a returned\npayment fee, as indicated on the Disclosure, each time a check or\nelectronic payment cannot be processed or is not honored even if the\npayment is honored after we resubmit it. This fee will never exceed the\nMinimum Payment Due that was due immediately prior to the date on\nwhich the payment was returned to us.\n(over please)\n\n\x0cCASH ADVANCE FEE. We will charge a Cash Advance Fee as shown\non the Disclosure, in addition to the Interest Charge. All Cash Advances,\nincluding Cash Advances made with convenience checks, are subject to\na minimum of $4.00 each time cash is advanced. We will charge Cash\nAdvance Fees on cash-like transactions made with your Credit Card.\nCash-like transactions include purchases of traveler\xe2\x80\x99s checks, money\norders, foreign currency, lottery tickets, casino and similar in-person\nbetting transactions, and wire transfers.\nBALANCE TRANSFER FEE. We will charge a Balance Transfer Fee as\nshown on the Disclosure, in addition to the Interest Charge, if any. All\nBalance Transfers are subject to a minimum of $10.00 each time a\nbalance is transferred from another creditor to your Account.\nLATE PAYMENT FEE. We will charge a Late Payment Fee, as disclosed\non the accompanying Disclosure, if you do not pay at least the Minimum\nPayment due on or within 10 days after the Payment Due Date. This fee\nwill never exceed the Minimum Payment due that was due immediately\nprior to the date on which the fee was assessed.\nFOREIGN TRANSACTION FEE. We will charge a Fee, as shown on the\nDisclosure, for each Foreign Transaction. A \xe2\x80\x9cForeign Transaction\xe2\x80\x9d is any\ntransaction (1) made in a foreign currency, or (2) made in U.S. dollars\nif the transaction is made or processed outside of the United States.\nForeign Transactions include, for example, online transactions made in\nthe U.S. but with a merchant who processes the transaction in a foreign\ncountry.\nFOREIGN EXCHANGE/CURRENCY CONVERSION. When you use your\nCredit Card to make a Purchase or Cash Advance, or when you receive a\ncredit in a foreign currency, the transaction will be converted into a U.S.\ndollar amount by VISA using their currency conversion procedures, and\nthen they will send us the transaction amount. The exchange rate will\nbe determined using either the range of rates available in the wholesale\ncurrency markets for the processing date (which may be different from\nthe rate VISA receives) or a government-mandated rate in effect on that\ndate. The exchange rate used by Visa may differ from the rate on the\ndate of your transaction. If you receive a credit on a different day than\nthe original transaction date, the exchange rate of the credit could be\ndifferent from the original transaction amount. Foreign purchases may\ninclude online purchases from foreign merchants. You agree to accept\nthe converted amount in U.S. dollars.\n\nTRANSACTIONS\nWAYS TO USE YOUR CARD ACCOUNT. You may purchase goods or\nservices when you present your Credit Card or when you provide your\nAccount number and Account information to participating merchants.\nYou can provide your Account number to merchants either in person,\nonline, or by telephone. You may use your Credit Card to receive Cash\nAdvances in person from us or other participating fnancial institutions,\nor by using one of the convenience checks we may periodically send to\nyou. You may transfer balances from other credit cards not issued by\nus to your Account. Cash Advances and Balance Transfers are subject\nto fees and Interest Charges, when applicable, and your available Credit\nLimit. We are not responsible when anyone refuses to honor your Credit\nCard or convenience checks.\n\xe2\x80\xa2 \xe2\x80\x9cPurchase\xe2\x80\x9d means the use of your Account to purchase or lease\ngoods or services at participating merchants.\n\xe2\x80\xa2 \xe2\x80\x9cBalance Transfer\xe2\x80\x9d means a balance transferred from another\ncreditor to your Account.\n\xe2\x80\xa2 \xe2\x80\x9cCash Advance\xe2\x80\x9d means the use of your Account to: obtain\ncash from participating automated teller machines, fnancial\ninstitutions or other locations; purchase lottery tickets, money\norders, casino chips, foreign currency, or similar items.\n\xe2\x80\xa2 \xe2\x80\x9cConvenience Check\xe2\x80\x9d means any check we send to you to\naccess your Account. The check will indicate whether it will be\ntreated as a Purchase, Balance Transfer, or Cash Advance. You\nmay not use these checks to pay any amount you owe us.\nRETURNS AND REFUNDS. Cash refunds will not be issued to you when\nyou return merchandise purchased with your Credit Card. You will receive\na credit to your Account for the amount of the returned merchandise. The\nmerchant is responsible for issuing the credit. It is not our responsibility\nwhen the merchant does not promptly issue the credit owed to you.\n\nDEFAULT AND ACCOUNT CANCELLATION\nDEFAULT. You will be in default of this Agreement if one of the following\noccurs:\n\xe2\x80\xa2 you fail to make the full amount of your Minimum Payment when\ndue;\n\xe2\x80\xa2 we reasonably believe you are unable or unwilling to pay;\n\xe2\x80\xa2 you fle bankruptcy, or another insolvency proceeding is fled by\nyou or against you;\n\xe2\x80\xa2 you die or are declared legally incompetent or incapacitated; or\n\xe2\x80\xa2 you fail to perform any condition or keep any promise of this or\nany Credit Card agreement you have made with Arvest.\nIMMEDIATE PAYMENT OF OUTSTANDING BALANCE IN FULL. If you\nare in default, we have the right to require immediate payment of your\nentire outstanding balance. If you do not pay the entire outstanding\nbalance, we can require you to pay any expenses associated with\ncollecting the amount you owe. We may refer your Account for collection\nto an attorney who is not a salaried employee. If we do this, we can\nrequire you to pay a reasonable attorney\xe2\x80\x99s fee, as determined by the\namount established by the Administrator of the Oklahoma Department\nof Consumer Credit.\nCANCELLATION OF YOUR ACCOUNT. You may cancel your Account.\nYou will remain responsible for any amount you owe us under this\nAgreement. Any joint Accountholder may cancel a joint Account.\nHowever, both of you will remain responsible for paying all amounts\nowed. We may cancel, suspend, or not renew your Account at any time\nwithout notice.\nCREDIT AUTHORIZATIONS. We may not authorize a transaction for\nsecurity or other reasons. We will not be liable to you if we decline to\nauthorize a transaction or if anyone refuses your Card, Check or Account\nnumber.\nAUTOMATIC PAYMENTS. You may set up automatic billing or store\nyour Account information with a merchant, wallet provider, or other third\nparty. If your Account information changes, which may include billing\naddress, you authorize us to provide this updated information to any\nsuch merchant, wallet provider, or other third-party at our discretion. You\nmust contact the merchant, wallet provider, or other third-party directly\nor remove your Credit Card information from the merchant site, wallet\nprovider, or third-party if you wish to stop automatic billing or Account\nupdates.\n\nCREDIT REPORTING\nCREDIT INVESTIGATIONS. You authorize us to investigate and use your\ncredit information to evaluate your credit history, personal or fnancial\nstanding, and employment. You also authorize us to report information\nabout your Account to other creditors and credit reporting agencies. We\nmay share negative account information regarding your late payments,\nmissed payments, or other defaults on your Account with consumer\nreporting agencies. This information may be refected in your credit\nreport. If you believe we have reported incorrect information about your\nAccount, call us at 1-800-356-8085 or write to us at Arvest Bank, P.O.\nBox 6139, Norman, OK, 73070. Please include your name, address,\nphone number and Account number and information that is being\ndisputed. We will investigate the matter for you. If we fnd we have made\nan error, we will request a correction from each credit bureau to which\nwe have reported. If we do not fnd we have made an error, we will notify\nyou.\n\nCOMMUNICATIONS AND\nINFORMATION SHARING\nCOMMUNICATING WITH YOU. Consent to contact by electronic and\nother means. If you have provided us with your cell phone number, or\nanother number that you later convert to a cell phone number, you agree\nthat we (and our affliates, agents, and contractors) may contact you\nat this number. You also agree to receive calls and messages, such as\npre-recorded messages, calls, and messages from automated dialing\nsystems, or text messages. We may contact you at any address that\nyou may provide to us from time to time. We may use any means of\ncommunication, including, but not limited to, postal mail, electronic mail,\ntelephone, or other technology, to reach you. We may contact you for\nany lawful reason, including for the collection of amounts owed to us\nfrom time to time in compliance with our Privacy Policy in effect. No\nsuch contact will be deemed unsolicited. Normal cell phone charges\nmay apply. You may contact us at (800) 356-8085 during business\nhours to ask that we not contact you using any one or more methods\nof technologies.\nTELEPHONE MONITORING AND RECORDING. From time to time, we\n(and our affliates, agents, and contractors) may monitor and/or record\ntelephone calls regarding your Account with us to assure the quality of\nour service, and you agree to any such monitoring or recording. We treat\nall customer calls as confdential.\n\nNOTICES. All notices are considered delivered to you as of the date\nthey are mailed, not the date you receive them. We will mail all required\nnotices to you at the address we have on fle. You agree to notify us\nimmediately if your address changes. You can call (800) 356-8085 or\nmail your change of address to Arvest Bank, P.O. Box 6139, Norman, OK,\n73070. We may also update your address if we receive notifcation by\nthe U.S. Postal Service that your address has changed.\n\nCHANGES TO YOUR AGREEMENT\nAGREEMENT CHANGES. We have the right to add, delete, or change any\nterm of this Agreement at any time, with written notice to you as required\nby state or federal law. If required by law, we will give you advance\nwritten notice of the change(s) and a right to reject the change(s). We\nwill not charge any fee or interest charge prohibited by law.\nINVALIDITY. If one or more provisions of this Agreement become invalid\nor unenforceable, the remaining terms and conditions will stand on their\nown and will not be affected.\n\nLIABILITY FOR UNAUTHORIZED USE\nLOSS OR THEFT OF CARD. You agree to notify us immediately if\nyour Credit Card is lost or stolen, or if you suspect your Credit Card\nor Account number has been used without your permission, by calling\n1-800-356-8085. Calling us reduces the chances of a loss. You may\nalso contact us at www.arvest.com, or write to us at P.O. Box 6139,\nNorman, Oklahoma 73070. You may be liable for any unauthorized use\nthat occurs before you tell us, but your liability for any unauthorized use\nwill not exceed $50.\n\nMISCELLANEOUS\n\nASSIGNMENT. We may sell, assign, or transfer your Account or any\nportion of it without notice to you. You may not sell, assign, or transfer\nyour Account without frst obtaining our prior written consent.\nNON-WAIVER. We may delay enforcing or not enforce any of our rights\nunder this Agreement without losing or waiving any of them.\nAPPLICABLE LAW. This Agreement is made in Oklahoma and we extend\ncredit to you from Oklahoma. This Agreement is governed by Oklahoma\nlaw (without regard to its confict of laws principles) and by applicable\nfederal law. You will not be liable for Interest Charges or other charges in\nexcess of the maximum allowed by law.\nIMPORTANT INFORMATION REGARDING THE MILITARY LENDING\nACT. Federal law provides important protections to members of the\nArmed Forces and their dependents relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a member of the Armed\nForces and his or her dependent may not exceed an annual percentage\nrate of 36%. This rate must include, as applicable to the credit transaction\nor Account: the costs associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specifed\ncredit transactions or accounts); and any participation fee charged (other\nthan certain participation fees for a credit card account).\nIf you are covered by the Military Lending Act, notwithstanding anything\nto the contrary in this Agreement, to the extent required by the Military\nLending Act, nothing in this Agreement will be deemed a waiver of the\nright to legal recourse under any otherwise applicable provision of state\nor federal law.\nIf you would like to hear about your Military Lending Act rights and\npayment information about this Agreement, please contact us at\n1-877-443-6037.\n\nYOUR BILLING RIGHTS\nYOUR BILLING RIGHTS \xe2\x80\x93 KEEP THIS NOTICE FOR FUTURE USE. This\nnotice tells you about your rights and our responsibilities under the Fair\nCredit Billing Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT\nIf you think there is an error on your statement, contact us in writing at\nArvest Bank, P.O. Box 6139, Norman, Oklahoma 73070. You may also\ncontact us on the web at www.arvest.com. In your communication, give\nus the following information:\n\xe2\x80\xa2 Account information: Your name and Account number\n\xe2\x80\xa2 Dollar Amount: The dollar amount of the suspected error\n\xe2\x80\xa2 Description of the problem: If you think there is an error on your\nbill, describe what you believe is wrong and why you believe it is\na mistake\nYou must contact us as follows:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement\n\xe2\x80\xa2 At least three (3) business days before an automatic payment is\nscheduled, if you want to stop payment on the amount you think\nis wrong\nYou must notify us in writing or electronically of potential errors. If you\ncall us, we are not required to investigate any potential errors, and you\nmay have to pay the amount in question.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR WRITTEN OR\nELECTRONIC COMMUNICATION\nWhen we receive your communication, we must do two things:\n1. Within 30 days of receiving your communication, we must tell\nyou that we received it. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your communication, we must either\ncorrect 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\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we\nmay continue to charge interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your Credit Limit.\nAfter we fnish 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\nquestion or any interest or other charges related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and charges.\nWe will send you a statement of the amount you owe and the date your\npayment is due. If you do not pay the amount you owe, we may report\nyou as delinquent.\nIf you receive our explanation but still believe your bill is wrong, you must\ncontact us in writing or electronically within 10 days telling us you still\nrefuse to pay. If you do this, we cannot report you as delinquent, and\nwe must let those organizations know when the matter has been settled\nbetween us.\nIf we do not follow all the rules above, you do not have to pay the frst\n$50.00 of the amount you question, even if the bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD\nPURCHASES\nIf you are dissatisfed with the goods or services you have purchased\nwith your Credit Card and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the\nremaining amount due on the Purchase. To use this right, all of the\nfollowing must be true:\n1. The 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 $50.00. (Note: neither of these\nare necessary if your purchase was based on an advertisement\nwe mailed to you, or if we own the company that sold you the\ngoods or services).\n2. Cash Advances do not qualify. Cash Advances include the\nfollowing:\n\xe2\x80\xa2 transactions made with your Credit Card for cash withdrawals\nat an ATM or with a teller\n\xe2\x80\xa2 cash-like transactions with your Credit Card (see FEES\nsection for a list of cash-like transactions)\n\xe2\x80\xa2 purchases made with a convenience check that accesses\nyour Account\n3. You must not yet have fully paid for the Purchase.\nIf all of the criteria above are met and you are still dissatisfed with the\nPurchase, contact us in writing at Arvest Bank, P.O. Box 6139, Norman,\nOklahoma 73070, or electronically at www.arvest.com. While we\ninvestigate, the same rules apply to the disputed amount as detailed\nabove. After we fnish our investigation, we will tell you our decision. At\nthat point, if we think you owe an amount and you do not pay, we may\nreport you as delinquent.\nIF YOUR CREDIT CARD IS LOST OR STOLEN, PLEASE CALL US AS\nSOON AS POSSIBLE AT 1-800-356-8085.\n\nF03-Y472-0 -0520\n\n\x0cPERSONAL CREDIT CARD TERMS & CONDITIONS\n\nInterest Rates & Interest Charges\n\n0%\n\n19.40%\n12.40%\n\n15.40%\n\n0%\n\n19.40%\n12.40%\n\n15.40%\n\n19.40%\n\n15.40%\n\n\xef\xac\x81\n\nFees\n\n\xe2\x80\xa2\n$4 4%\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n1%\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n$20\n$25\n\n12.40%\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA PLATINUM\nApproved Credit Limit:\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n6.90%\n\nIntroductory APR for six billing cycles from Account opening.\n\nAfter that, Your APR will be\n\n11.90%\n\n.\n\nAPR for Balance Transfers\n\n1.90%\n\nAPR for Cash Advances\n\nAfter that, Your APR will be 11.90% .\n6.90% Introductory APR for six billing cycles from Account opening.\n\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nSet-up and Maintenance Fees\n- Annual Fee\n- Additional Card Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nIntroductory APR for six billing cycles from Account opening.\n\nAfter that, Your APR will be 11.90% .\nNone\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. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nNone\n$5.00\nNone\nNone\n1.00% of each transaction in U.S. dollars\nNone\nUp to $25.00\nNone\nNone\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)." See Your Account Agreement for more details.\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to Your\nAccount during the first six billing cycles following the opening of Your Account. Any existing balances on N R L Federal\nCredit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01900507-MXC20-C-2-091318 (MXC201-E)\n\n\x0cMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at 800-526-6661 x1200 to receive oral disclosures of the Military Lending Act disclosure above and a\ndescription of the payment obligation.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if You are 30 or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nAdditional Card Fee:\n$5.00. If Your Account is subject to an Additional Card Fee, a fee will be charged for each additional Card issued to Your\nAccount.\nReturned Convenience Check Fee:\n$27.00 or the amount of the returned convenience check, whichever is less. If Your Account is subject to a Returned\nConvenience Check Fee, the fee will be charged to Your Account when a convenience check is returned for any reason.\nCard Replacement Fee:\n$5.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You for any reason.\nDocument Copy Fee:\n$2.50 per document. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may\nbe charged to Your Account for each copy of a sales draft or statement that You request (except when the request is\nmade in connection with a billing error made by the Credit Union).\nRush Fee:\n$15.85 second day. $25.00 overnight. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee\nmay be charged to Your Account for each rush Card that You request, providing that delivery of the Card is also available\nby standard mail service, without paying a fee for delivery.\nResearch Fee:\n$15.00 per hour. If Your Account is subject to a Research Fee, except as limited by applicable law and when the request\nis made in connection with a billing error made by the Credit Union, a fee calculated on an hourly basis may be charged to\nYour Account each time You request Your Account to be researched.\nConvenience/Balance Consolidation Check Stop Payment Fee:\n$20.00. If Your Account is subject to a Convenience/Balance Consolidation Check Stop Payment Fee, a fee may be\ncharged to Your Account for each Stop Payment placed on a convenience check or balance consolidation check\nassociated to Your Account.\nPeriodic Rates:\nThe Introductory Purchase APR is 6.90% which is a daily periodic rate of 0.0189% .\nThe Purchase APR is 11.90% which is a daily periodic rate of 0.0326% .\nThe Introductory Balance Transfer APR is 1.90% which is a daily periodic rate of 0.0052% .\nThe Balance Transfer APR is 11.90% which is a daily periodic rate of 0.0326% .\nThe Introductory Cash Advance APR is 6.90% which is a daily periodic rate of 0.0189% .\nThe Cash Advance APR is 11.90% which is a daily periodic rate of 0.0326% .\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01900507-MXC20-C-2-091318 (MXC201-E)\n\n\x0c'


b'VISA CLASSIC/VISA SECURED\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit\nUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers\nthis Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\n(6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and\ncasino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction\nthat is illegal.\n\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights Reserved\n\nDSCEE1 (MXC501 CCM002)-e\n\n\x0c3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of\npurchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the\nbilling cycle in which the cash advance is posted to your account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of\npurchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including\npurchases, cash advances and credits to your account. A fee (finance charge), calculated in U.S. dollars, will be imposed\non all single currency foreign transactions, including purchases, cash advances and credits to your account. A foreign\ntransaction is any transaction that you complete or a merchant completes on your card outside of the United States, with\nthe exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is\nset forth on the Disclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the\nfee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer a\nbalance from an account of another creditor to the account subject to this Agreement.\nb. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee\nwill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial\ninstitution.\nc. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance\ncharge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.\n\nDSCEE1 (MXC501 CCM002)-e\n\n\x0cd. Transaction Fee for Purchases (Finance Charge). If your account is subject to a Transaction Fee for Purchases\n(finance charge), a fee will be charged to your account for purchases as disclosed on the Disclosure accompanying this\nAgreement.\ne. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\nf. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may\ncharge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing\ncycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent\ncycle or you have reduced the balance below the credit limit as of the end of each bill cycle.\ng. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned for any reason.\nh. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and\nwhen the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your\naccount for each copy of a sales draft or statement that you request.\ni. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee\nmay be charged to your account for each copy of a sales draft or statement that you request (except when the request is\nmade in connection with a billing error made by the Credit Union).\nj. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your\naccount for each rush card that you request, providing delivery of the card is also available by standard mail service,\nwithout paying a fee for delivery.\nk. Emergency Card Replacement Fee. If your account is subject to an Emergency Card Replacement Fee, a fee will\nbe charged to your account for each emergency replacement card that is issued to you.\nl. PIN Replacement Fee. If your account is subject to a PIN Replacement Fee, a fee will be charged to your account\nwhenever you request a new PIN number for your account.\nm. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each\nreplacement card that is issued to you for any reason.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). The minimum payment is 3.00% of your total new\nbalance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all\noutstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on the\nstatement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your\ncredit limit.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date\nthat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nDSCEE1 (MXC501 CCM002)-e\n\n\x0cWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the\nperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at PO Box 12869, Florence, SC 29504 or telephone 800-556-5670 seven (7) days a\nweek, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized\nuse of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or\npossible unauthorized use. You will have no liability for unauthorized purchases made with your credit card, unless you\nare grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six (6) months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advances, credit or other slips you sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate\naddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.\n\nDSCEE1 (MXC501 CCM002)-e\n\n\x0c23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. INTERNET GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of\nelectronic gambling transaction through the Internet.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. VOLUNTARY PAYMENT PROTECTION \xe2\x80\x94 We may offer Voluntary Payment Protection to you. Voluntary Payment\nProtection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to\nadd the fees or insurance charges monthly to your loan balance and charge you interest on the entire balance. At our\noption we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine\nthe fees or insurance charges may change in the future. If the rate changes, we will provide any notices required by\napplicable law.\n28. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n29. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address listed on your statement.\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required\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.\n\nDSCEE1 (MXC501 CCM002)-e\n\n\x0cAfter 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 still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at\nthe address listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n\n_________________________________________\nApplicant\xe2\x80\x99s Signature\n\nDate\n\n_________________________________________\nOther Signature\n\nDate\n\nDSCEE1 (MXC501 CCM002)-e\n\n\x0c'


b'VISA CLASSIC/VISA SECURED\nF1\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Classic\n\nF2\n3.50%\n\nIntroductory APR for a period of six (6) billing cycles.\n\nAfter that your APR will be F3\nto F417.24%\n8.24%\nbased on your creditworthiness. This APR will vary with the market\nbased on the Prime Rate.\nVisa Secured\n\nAPR for Balance Transfers\n\nF5\nto F617.24% when you open your account,\n14.24%\nbased on your creditworthiness. This APR will vary with the market\nbased on the Prime Rate.\nVisa Classic\nF7\n3.50%\n\nIntroductory APR for a period of six (6) billing cycles.\n\nAfter that your APR will be F88.24% to F917.24% based on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Secured\n\nAPR for Cash Advances\n\nF10\n14.24% to F11\n17.24% when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Classic\nF12\n3.50%\n\nIntroductory APR for a period of six (6) billing cycles.\n\nAfter that your APR will be F13\n8.24% to F14\n17.24% based on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Secured\n\nPenalty APR and When it Applies\n\nF15\n14.24% to F16\n17.24% when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Classic\nF17\nNone\nVisa Secured\n\nHow to Avoid Paying Interest on Purchases\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nF18\nNone\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\nDSCEC1 (MXC402 CCM002)-e\n\nSEE BACK OF PAGE for more important information about your account.\n\n\x0cFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nF19\nNone\nF20\n$2.00\nF21\n1.00%\nF22\n0.80%\nF23\nNone\n\nof each multiple currency transaction in U.S. dollars\nof each single currency transaction in U.S. dollars\n\nUp to F24\n$25.00\nF25\nNone\nUp to F26\n$25.00\n\nHow We Will Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nLoss of Introductory APR. We may end your Introductory APR if you fail to pay the minimum required payment by the\npayment due date shown on your statement. With the loss of your Introductory APR, the prevailing non-introductory APR\nwill apply.\nEffective Date.\nThe information about the costs of the card described in this application is accurate as of F27\nApril 1 2016.\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\nStatement Copy Fee\nDocument Copy Fee\nRush Fee\nEmergency Card Replacement Fee\nPIN Replacement Fee\nCard Replacement Fee\n\nF28\nor the amount of the required minimum payment, whichever\n$25.00\nis less, if you are five (5) or more days late in making a payment.\nF29\nor the amount of the required minimum payment, whichever\n$25.00\nis less.\nF30\nFirst one free\n$5.00\nF31\n$5.00\nF32\n$25.00\nF33\n$125.00\nF34\n$3.00\nF35\n$5.00\n\nDSCEC1 (MXC402 CCM002)-e\n\n\x0c'