b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nPLATINUM ELITE VISA\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\nAPR for Balance Transfers\nAPR for Cash Advances\n\n15.15%\nThis APR will vary with the market based on the Prime Rate.\n18.15%\nThis APR will vary with the market based on the Prime Rate.\n18.15%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\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. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\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\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Foreign Transaction Fee\n\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $35.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary 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 1-888-267-7200 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\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\n02101376-MXC20-P-1-032417 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if You are 1 or more days late in making a\npayment. In the event You fail to make a payment on time in any of the six billing cycles following the initial violation, You\nwill be charged $35.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a\nLate Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or\nwithin the number of days of the statement Payment Due Date set forth on this Disclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$25.00. 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.\nRush Fee:\n$20.00. 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 that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$2.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nResearch Fee:\n$20.00 minimum per hour. If Your Account is subject to an Account Research Fee, except as limited by applicable law\nand when the request is made in connection with a billing error made by the Credit Union, a fee calculated on an hourly\nbasis may be charged to Your Account each time you request your account to be researched.\nSales Draft Copy Fee:\n$5.00 per copy. If Your Account is subject to a Sales Draft Copy Fee, except as limited by applicable law, a fee may be\ncharged to Your Account each time you request a sales draft copy.\nStop Payment Fee:\n$28.00 per request. If Your Account is subject to a Stop Payment Fee, except as limited by applicable law, a fee may be\ncharged to Your Account each time you request a payment to be stopped.\nPeriodic Rates:\nThe Purchase APR is 15.15% which is a monthly periodic rate of 1.2625%.\nThe Balance Transfer APR is 18.15% which is a monthly periodic rate of 1.5125%.\nThe Cash Advance APR is 18.15% which is a monthly periodic rate of 1.5125%.\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on\nthird Tuesday of March, June, September and December, to which We add a margin. The ANNUAL PERCENTAGE\nRATE will never be greater than 23.99%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in\nthe amount of the interest You will pay, may increase Your minimum payment, and may increase the number of payments\nto pay off Your balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon\ncomparable information.\nMargin:\nPurchases will be charged at 11.90% above the Index.\nBalance Transfers will be charged at 14.90% above the Index.\nCash Advances will be charged at 14.90% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02101376-MXC20-P-1-032417 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nPLATINUM ELITE REWARDS VISA\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\nAPR for Balance Transfers\nAPR for Cash Advances\n\n15.15%\nThis APR will vary with the market based on the Prime Rate.\n18.15%\nThis APR will vary with the market based on the Prime Rate.\n18.15%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\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. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\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\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Foreign Transaction Fee\n\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $35.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary 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 1-888-267-7200 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\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\n02101376-MXC20-P-2-063017 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if You are 1 or more days late in making a\npayment. In the event You fail to make a payment on time in any of the six billing cycles following the initial violation, You\nwill be charged $35.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a\nLate Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or\nwithin the number of days of the statement Payment Due Date set forth on this Disclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$25.00. 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.\nRush Fee:\n$20.00. 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 that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$2.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nResearch Fee:\n$20.00 minimum per hour. If Your Account is subject to an Account Research Fee, except as limited by applicable law\nand when the request is made in connection with a billing error made by the Credit Union, a fee calculated on an hourly\nbasis may be charged to Your Account each time you request your account to be researched.\nSales Draft Copy Fee:\n$5.00 per copy. If Your Account is subject to a Sales Draft Copy Fee, except as limited by applicable law, a fee may be\ncharged to Your Account each time you request a sales draft copy.\nStop Payment Fee:\n$28.00 per request. If Your Account is subject to a Stop Payment Fee, except as limited by applicable law, a fee may be\ncharged to Your Account each time you request a payment to be stopped.\nPeriodic Rates:\nThe Purchase APR is 15.15% which is a monthly periodic rate of 1.2625%.\nThe Balance Transfer APR is 18.15% which is a monthly periodic rate of 1.5125%.\nThe Cash Advance APR is 18.15% which is a monthly periodic rate of 1.5125%.\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on\nthird Tuesday of March, June, September and December, to which We add a margin. The ANNUAL PERCENTAGE\nRATE will never be greater than 23.99%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in\nthe amount of the interest You will pay, may increase Your minimum payment, and may increase the number of payments\nto pay off Your balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon\ncomparable information.\nMargin:\nPurchases will be charged at 11.90% above the Index.\nBalance Transfers will be charged at 14.90% above the Index.\nCash Advances will be charged at 14.90% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02101376-MXC20-P-2-063017 (MXC201-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nPLATINUM ELITE VISA/PLATINUM ELITE REWARDS\nVISA/SECURED CLASSIC VISA\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nPlatinum Elite Visa\n\n8.15% , 9.15%, 11.15%, 13.15% or 15.15%,\nwhen you open your account, based on your creditworthiness. This APR will\nvary with the market based on the Prime Rate.\nPlatinum Elite Rewards Visa\n\n10.15% , 11.15%, 13.15%, 15.15% or 17.15%,\nwhen you open your account, based on your creditworthiness. This APR will\nvary with the market based on the Prime Rate.\nSecured Classic Visa\n\n9.75%\nThis APR will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nPlatinum Elite Visa\n11.15% , 12.15%, 14.15%, 16.15% or 18.15%, when you open your\naccount, based on your creditworthiness. This APR will vary with the market\nbased on the Prime Rate.\nPlatinum Elite Rewards Visa\n13.15% , 14.15%, 16.15%, 18.15% or 20.15%, when you open your\naccount, based on your creditworthiness. This APR will vary with the market\nbased on the Prime Rate.\nSecured Classic Visa\n12.75%\n\nAPR for Cash Advances\n\nThis APR will vary with the market based on the Prime Rate.\nPlatinum Elite Visa\n11.15% , 12.15%, 14.15%, 16.15% or 18.15%, when you open your\naccount, based on your creditworthiness. This APR will vary with the market\nbased on the Prime Rate.\nPlatinum Elite Rewards Visa\n13.15% , 14.15%, 16.15%, 18.15% or 20.15%, when you open your\naccount, based on your creditworthiness. This APR will vary with the market\nbased on the Prime Rate.\nSecured Classic Visa\n12.75%\nThis APR will vary with the market based on the Prime Rate.\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\n02101376-MXC10-P-1-031519 (MXC101-E)\n\n\x0cHow to Avoid Paying Interest on\nPurchases\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.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\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\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nNone\n1.00% of each transaction in U.S. dollars\nUp to $35.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: May 1, 2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Platinum Elite Visa, Platinum Elite Rewards Visa and Secured Classic Visa are\nsecured credit cards. Credit extended under this credit card account is secured by various personal property and\nmoney including, but not limited to: (a) any goods you purchase with this account, (b) any shares you\nspecifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any\nindividual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any\nother account that would lose special tax treatment under state or federal law, and (d) collateral securing other\nloans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and\nagree that during any periods when you are a covered borrower under the Military Lending Act your credit card\nwill be secured by any specific Pledge of Shares you grant us but will not be secured by all shares you have in\nany individual or joint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i)\nyou establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered\nborrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a\npayment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you\nwill be charged $35.00 or the amount of the required minimum payment, whichever is less.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nSales Draft Copy Fee:\n$5.00 per copy.\nCard Personalization Fee:\n$5.00 per card.\nRush Fee:\n$30.00 per card.\nStatement Copy Fee:\n$2.00 per statement.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02101376-MXC10-P-1-031519 (MXC101-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nPLATINUM ELITE VISA\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\nAPR for Balance Transfers\nAPR for Cash Advances\n\n8.15%\nThis APR will vary with the market based on the Prime Rate.\n11.15%\nThis APR will vary with the market based on the Prime Rate.\n11.15%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\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. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\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\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Foreign Transaction Fee\n\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $35.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary 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 1-888-267-7200 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\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\n02101376-MXC20-P-1-032417 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if You are 1 or more days late in making a\npayment. In the event You fail to make a payment on time in any of the six billing cycles following the initial violation, You\nwill be charged $35.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a\nLate Payment Fee, the fee will be charged to Your Account when You do not make the required minimum payment by or\nwithin the number of days of the statement Payment Due Date set forth on this Disclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCard Replacement Fee:\n$25.00. 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.\nRush Fee:\n$20.00. 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 that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$2.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nResearch Fee:\n$20.00 minimum per hour. If Your Account is subject to an Account Research Fee, except as limited by applicable law\nand when the request is made in connection with a billing error made by the Credit Union, a fee calculated on an hourly\nbasis may be charged to Your Account each time you request your account to be researched.\nSales Draft Copy Fee:\n$5.00 per copy. If Your Account is subject to a Sales Draft Copy Fee, except as limited by applicable law, a fee may be\ncharged to Your Account each time you request a sales draft copy.\nStop Payment Fee:\n$28.00 per request. If Your Account is subject to a Stop Payment Fee, except as limited by applicable law, a fee may be\ncharged to Your Account each time you request a payment to be stopped.\nPeriodic Rates:\nThe Purchase APR is 8.15% which is a monthly periodic rate of 0.6792%.\nThe Balance Transfer APR is 11.15% which is a monthly periodic rate of 0.9292%.\nThe Cash Advance APR is 11.15% which is a monthly periodic rate of 0.9292%.\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by the Prime Rate on\nthird Tuesday of March, June, September and December, to which We add a margin. The ANNUAL PERCENTAGE\nRATE will never be greater than 23.99%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in\nthe amount of the interest You will pay, may increase Your minimum payment, and may increase the number of payments\nto pay off Your balance. If the Index is no longer available, the Credit Union will choose a new index which is based upon\ncomparable information.\nMargin:\nPurchases will be charged at 4.90% above the Index.\nBalance Transfers will be charged at 7.90% above the Index.\nCash Advances will be charged at 7.90% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02101376-MXC20-P-1-032417 (MXC201-E)\n\n\x0c'


b'INTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate\n(APR) for purchases\n\nA\n\nCredit Score\n\nB\n\nC\n\nD\n\n10.25% 12.25% 13.25% 15.50%\n\n\t\t\t\t\nVisa Classic\n\n\t\t\t\n\nVisa Rewards\n\n12.50% 13.50% 15.00% N/A\n\nWe will tell you in writing which rate applies\nupon approval of your application. Rate based on credit score.\n\nShared Secured\n\n13.50%\n\nAPR for Balance Transfers\n\nThe Annual Percentage Rate will be 2% higher than the stated interest rate based on your score.\n\nAPR for Cash Advances\n\nThe Annual Percentage Rate will be 2% higher than the stated interest rate based on your score.\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is 25 days after the close of each billing cycle. We will not charge\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\nProtection Bureau\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.\n\nFEES\n\xc2\xb7 Annual Fee\n\nNone\n\nTransaction Fees\n\xc2\xb7 Balance Transfer\n\xc2\xb7 Cash Advance\n\xc2\xb7 Foreign Transaction Fees\n\n0% of the amount of each transfer.\n1.50% of transaction amount.\n1% of transaction amount.\n\nPenalty Fees\n\xc2\xb7 Late Payment (15 Days or More) $10.00\n\xc2\xb7 Returned Payment Fee\n$15.00\n\xc2\xb7 Over-the-Limit Fee\nNone\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\npurchases).\xe2\x80\x9d\nThe information about the cost of the card described on this application was printed on June 1, 2018 and was\naccurate as of that date, but is subject to change after that date.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in\nyour account agreement.\n\nGREATER SPRINGFIELD\n\nCREDIT UNION\n1030 Wilbraham Road, Springfield, MA 01109\nPhone: (413) 782-3161 Fax: (413) 783-0142\nwww.grscu.org\n\n\x0cIs it secure?\nYes, managing your cards with MyCardRules is\n\nPlus, knowing that you\xe2\x80\x99ve set rules, restrictions\nand alerts that meet your specific spending\npreferences adds another layer of fraud\ndetection and prevention, and gives you\nadded peace of mind.\n\nWhy is it a Better Way to Manage My Cards?\nBecause you can manage your card transactions\nall in one place, right from your mobile device.\nYou have complete control of how, when, where\n\xe2\x80\x94 and WHO uses your cards.\n\nAlerts will show up just like any other\nnotifications you get on your mobile device.\n\n\xe2\x80\xa2 Set parental controls and monitoring\n\n\xe2\x80\xa2 Set a specific region where the card can be\nused or restrict usage based on your mobile\ndevice\xe2\x80\x99s location\n\n\xe2\x80\xa2 Get instant alerts on certain types of\ntransactions, like when a transaction is\t\t\ndeclined\n\n\xe2\x80\xa2 Set transaction spending limits based on\nyour preferences, including dollar amount,\ntransaction type and merchant type\n\n\xe2\x80\xa2 Turn your card on or off\n\nHow Does MyCardRules let me Manage\nMy Cards\nJust download the MyCardRules app from\nGoogle Play\xe2\x84\xa2 or the App Store\xc2\xae. Then you\ncan set a wide range of controls and alerts on\nall your cards. For example, you can:\n\nWhat is MyCardRules?\nMyCardRules is an easy-to-use mobile app that\nlets you set card controls, add restrictions and\nreceive transaction alerts.\n\nMyCardRules FAQ\xe2\x80\x99s\n\nFederally Insured by NCUA\n\nLENDER\n\nEQUAL OPPORTUNITY\n\nEast Longmeadow\n157 Shaker Road\nEast Longmeadow, MA 01028\n(413) 782-3161\nFax: (413) 525-4353\n\nMain Office\n1030 Wilbraham Road\nSpringfield, MA 01109\n(413) 782-3161\nFax: (413) 783-0142\n\nCREDIT UNION\n\nGREATER SPRINGFIELD\n\n\xe2\x80\xa2 View recent transactions and more\n\n\xe2\x80\xa2 Manage alert preferences\n\n\xe2\x80\xa2 Set controls\n\n\xe2\x80\xa2 Turn card controls on/off\n\nNext, you\xe2\x80\x99ll create a username and password.\nOnce your account is created, you can log in\nand access the \xe2\x80\x9cCard Details\xe2\x80\x9d screen.\nFrom this screen you can:\n\n\xe2\x80\xa2 Security Code (usually on the back \t\t\nof your card)\n\n\xe2\x80\xa2 Expiration Date\n\n\xe2\x80\xa2 Card Number\n\nHow do I get started?\nAfter you download the MyCardRules app,\nselect \xe2\x80\x9cNew User\xe2\x80\x9d and then enter your card\ninformation to begin registration.\nYou\xe2\x80\x99ll need to provide:\n\nsafe and secure. Your account is password\nprotected and highly encrypted.\n\nwww.grscu.org\n\nCREDIT UNION\n\nGREATER SPRINGFIELD\n\nfeel the\nfreedom...\n\n\xc2\xae\n\nVisa Credit Card\nApplication\n\n\x0cApply for a Credit Card\nTo apply for a Greater Springfield CU Visa\xc2\xae Credit Card, visit www.grscu.org,\ncall (413) 782-3161, or stop by any of our office locations. After approval,\nyour card is mailed within 10 business days.\n\xe2\x80\xa2 Low fixed rate\n\xe2\x80\xa2 No annual fee\n\xe2\x80\xa2 Rewards points\n\xe2\x80\xa2 Convenience to make purchases worldwide.\n\xe2\x80\xa2 Flexibility to make purchases in person, over the phone, or on the \t\t\n\t\t Internet. Plus obtain a cash advance when you need it.\n\nLayers of Protection\nLoan Protect\nThis optional coverage helps to protect your credit and reduce financial\npressure in the event of death or disability.*\n*Exclusions apply. Ask for details.\n\n3-D Secure\n3-D Secure offers additional fraud protection by analyzing the merchant\xe2\x80\x99s\ncontextual data and then prompting consumers to verify their identity only\non high risk transactions.\n\nLost or Stolen Card Reporting\nEnjoy peace of mind knowing that if your Visa card is ever lost or stolen,\nassistance is a phone call away. Please call 800-682-6075 for 24/7, 365 days\na year assistance or go to www.reportmycards.com.\n\nTake Full Control of Your Cards\nWith MyCardRules,\xe2\x84\xa2 you decide when, where and who uses your cards.\n\nManage Your Card Spending Right From Your Mobile Device\nTurn your cards on or off, set spending limits and get alerts. All with a few quick taps\n\nRewards\n\xe2\x80\xa2 1% cash back on all transactions\nwhich is deposited to a share\naccount on June 1 and December 1.\n\n*********\n\nLOGIN\n\n\x0cVisa Credit Card Application\n\nA table that includes the APRs and other required cost disclosures for credit card applications is on the reverse side of this application.\n\nCheck the appropriate box to indicate the type of credit for which you are applying.\n\nDebt Protection\n\nYes\n\nIndividual credit\n\nNo See below signature and disclosure\n\nVisa Classic\n\nJoint credit\n\nVisa Rewards\n\nCredit limit requested: $ _____________________\n\nAPPLICANT Name\t\t\t\t\t\t\n\n\t\t\n\nDate of Birth\n\n\t\t\n\nShared Secured\n\nNumber of cards desired?\n\nStreet\t\t\t\t\t\t\t\t\t\t\n\nSocial Security Number\n\nDriver\xe2\x80\x99s License Number and State\n\nCity, State, Zip\t\t\t\t\t\t\t\t\n\nHome Phone\t\t\n\nNumber of Dependents\n\nGross Annual Income $\t\t\t\n\nNet Monthly Pay $\t\t\n\n1\n\n2\n\nMother\xe2\x80\x99s Maiden Name\n\nEmail Address\t\t\t\t\t\t\n\nAges\n\n\t\t\n\nAre you self employed?\n\n\xe2\x9d\x91 Yes \xe2\x9d\x91 No\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n(Must provide 2 years of tax returns)\n\nCurrent Employer\t\t\t\t\tBusiness Phone Number\t\t\t\t\tTitle/Rank/Grade\nType of Business \t\t\t\t\t\n\nBusiness Address\t\t\t\t\n\n\t\t\t\n\nStart Date\n\nPrevious Employer\t\t\t\tPrevious Business Address\t\t\t\t\t\tTitle/Rank/Grade\nCO-APPLICANT NAME\n\nAUTHORIZED USER NAME\t\t\n\nDate of Birth\n\n\t\t\n\nStart Date/End Date\n\nMother\xe2\x80\x99s Maiden Name\n\nCHECK ONE\nStreet\t\t\t\t\t\t\t\t\t\t\n\nSocial Security Number\n\nDriver\xe2\x80\x99s License Number and State\n\nCity, State, Zip\t\t\t\t\t\t\t\t\n\nHome Phone\t\t\n\nNumber of Dependents\n\nGross Annual Income $\t\t\t\n\nNet Monthly Pay $\t\t\n\nEmail Address\t\t\t\t\t\n\nAges\n\nAre you self employed?\n\n\xe2\x9d\x91 Yes \xe2\x9d\x91 No\n\n\t\t\t\t\t\t\t\t\t\t\t\t\t\nCurrent Employer\t\t\t\t\n\nBusiness Phone Number\t\t\t\t\t\xc2\xad\nTitle/Rank/Grade\n\nType of Business \t\t\t\t\n\nBusiness Address\t\t\t\n\n(Must provide 2 years of tax returns)\n\n\t\t\t\t\n\nStart Date\n\nPrevious Employer\t\t\t\tPrevious Business Address\t\t\t\t\t\tTitle/Rank/Grade\n\nLIST ALL DEBTS. Attach other sheets if necessary.\nDebts\t\t\t\n\n\t\t\n\nStart Date/End Date\n\nNOTE: Alimony, child support, or separate maintenance income need not be revealed if you do not choose to have it considered.\n\nOwed to\t\t\t\n\nAddress \t\t\t\n\nAccount No.\n\nPresent Balance\n\nMonthly Payments\n\nAmount Past Due\n\nMortgage or Rent\nChild Support,\nAlimony or\nMaintenance\n\nFINANCIAL REFERENCES\nShare Draft or Checking Account Number / Amount\n\nName and address of depository\t\t\t\t\t\t\t\n\nPhone\n\nSavings Account Number / Amount\n\nName and address of depository \t\t\t\t\t\t\t\n\nPhone\n\nThe credit union is relying on what you stated in this application, and you acknowledge that everything you have stated is true and correct and that you have provided a COMPLETE listing of all your debts and obligations. You authorize the Credit\nUnion to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received. You understand that the Credit Union will rely on the information in this application\nand your credit report to make its decision. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you. \xc2\xad\xc2\xad\xc2\xad\nApplicant Signature\t\t\t\n\nDate\t\t\t\n\nCo-Applicant Signature\t\t\t\n\nX\n\nDate\n\nX\nThis Contract is voluntary and not required to obtain credit. We will not consider whether or not You elect protection in making a credit decision.\n\nYOU ELECT THE\nFOLLOWING OPTION:\n\nLife & Disability\n\nDisability\n\nLife\n\n(check only one box)\n\n\xc2\xb7 Life\n\xc2\xb7 Disability\n\n\xc2\xb7 Disability\n\n\xc2\xb7 Life\n\nProgram Fee:\nCost per $100 of the Monthly\nOutstanding Loan Balance*\n\nSingle\n$0.189\n\nSingle\t\t\t\n$0.12\n\nFor the Option elected above, You choose (check only one box):\nJoint Protection\nThis Contract protects the Borrower(s) listed above who elected protection.\nThe protected Borrower(s) may not qualify for all benefits.\n\nSingle\n$0.069\n\nSingle Protection for Borrower 1\n\nNo Protection\n\nJoint\n$0.11\n\nSingle Protection for Borrower 2\n\nNOTICES: *If the Outstanding Balance is greater than $50,000, the rate will not be applied to the amount that exceeds $50,000.\nThe Contract contains certain terms, conditions and exclusions. Subject to those terms, conditions and exclusions, You are eligible for protection under this Contract if You are a Borrower on the\nLoan on the Effective Date of Protection and meet the eligibility requirements below.\nELIGIBILITY QUESTIONS: If electing Disability, You must answer Question 1.\n1. Are You working twenty-five (25) hours or more per week?\n\nBorrower 1\n\nYes\n\nNo\n\nBorrower 2\n\nYes\n\nNo\n\nIf at least one Borrower answered \xe2\x80\x9cYes\xe2\x80\x9d to Question 1, both Borrowers are eligible for Disability.\nWe will give You additional information before You are required to pay for Greater Springfield Credit Union Payment Protection. This information will include a copy of the Contract containing the terms of Greater Springfield Credit Union\nPayment Protection. There are eligibility requirements, conditions and exclusions that could prevent You from receiving benefits under Greater Springfield Credit Union Payment Protection. You should carefully read the Contract for a full\nexplanation of the terms of Greater Springfield Credit Union Payment Protection. You may terminate protection on Your account(s) at any time by providing Us with written notice at least five (5) business days prior to the requested termination\ndate. If You do so within (30) days of purchasing protection, We will credit Your Outstanding Balance for any fees charged for the protected account(s).\nYour signature or authentication below means: (a) that You meet the eligibility requirements show above; (b) that Your election above will remain in effect, according to the terms of the Contract, unless subsequently modified; (c) that You\nagree to the Contract; (d) that You agree to pay for and let Us add the Program Fee to Your Loan balance each month, and may be subject to finance charges like the rest of Your Outstanding Balance; (e) that the fee You are charged for this\nprotection is subject to change; and (f) if the \xe2\x80\x9cNo Protection\xe2\x80\x9d checkbox is marked or if no checkbox is marked in the Options section, You do not have protection.\nBorrower 1 Signature\t\t\t\n\nX\n\nDate\t\t\t\n\nBorrower 2 Signature\t\t\t\n\nX\n\nRETURN THIS APPLICATION TO GREATER SPRINGFIELD CREDIT UNION\n\nDate\n\n\x0c'


b'INTEREST RATES AND INTEREST CHARGES\n\nCredit Score\n\nAnnual Percentage Rate\n(APR) for purchases\n\nVisa Classic\n\n10.25% 12.25% 13.25% 15.50%\n\nVisa Rewards\n\n12.50% 13.50% 15.00% N/A\n\nA\n\nWe will tell you in writing which rate applies\nupon approval of your application. Rate based on credit score.\n\nB\n\nC\n\nShared Secured\n\nD\n\n13.50%\n\nAPR for Balance Transfers\n\nThe Annual Percentage Rate will be 2% higher than the stated interest rate based on your score.\n\nAPR for Cash Advances\n\nThe Annual Percentage Rate will be 2% higher than the stated interest rate based on your score.\n\nPenalty APR and When It Applies 18.00%\n\nThis APR may be applied to your account if you:\n1) Make a late payment;\n2) Go over your credit limit;\n3) Make a payment that is returned; or\n4) Do any of the above on another account that you have with us.\nHow Long Will the Penalty APR Apply? If your APR is increased for any of these reasons,\nthe Penalty APR will apply until (you make 6 consecutive minimum payments\nwhen due).\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is 25 days after the close of each billing cycle. We will not charge\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\nProtection Bureau\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.\n\nFEES\n\xc2\xb7 Annual Fee\n\nNone\n\nTransaction Fees\n\xc2\xb7 Balance Transfer\n\xc2\xb7 Cash Advance\n\xc2\xb7 Foreign Transaction Fees\n\n0% of the amount of each transfer.\n1.50 % of transaction amount.\n1% of transaction amount.\n\nPenalty Fees\n\xc2\xb7 Late Payment (15 Days or More)\n\xc2\xb7 Returned Payment Fee\n\xc2\xb7 Over-the-Limit Fee\n\xc2\xb7 Balance Transfer Fee\n\xc2\xb7 Cash Advance Fee\n\n$10.00\n$15.00\nNone\n0% of the amount of each transfer\n1.50% of transaction amount\n\nHow We Will Calculate Your Balance: We use a method\ncalled \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nThe information about the cost of the card described on this application was\nprinted on June 1, 2018 and was accurate as of that date, but is subject to\nchange after that date.\nBilling Rights: Information on your rights to dispute transactions and how to exercise\nthose rights is provided in your account agreement.\n\nGREATER SPRINGFIELD\n\nCREDIT UNION\n1030 Wilbraham Road, Springfield, MA 01109\nPhone: (413) 782-3161 Fax: (413) 783-0142\nwww.grscu.org\n\n\x0c\x04\xc7\xb7\xc7\xb7\xc7\x88\xcb\xb5\x03\xc6\xa9\xc7\x98\xcb\x80\x03\xc8\xb5\x03 \xc7\xba\xc6\x94\xc6\x8f\xc6\xb3\xcb\x94\x03 \xc5\xad\xc7\xba\xc9\x97\nTo apply for a Greater Springfield CU Visa\xc2\xae Credit Card, visit www.grscu.org,\ncall (413) 782-3161, or stop by any of our office locations. After approval,\nyour card is mailed within 10 business days.\n\xe2\x80\xa2 Low fixed rate\n\xe2\x80\xa2 No annual fee\n\xe2\x80\xa2 Rewards points\n\xe2\x80\xa2 Convenience to make purchases worldwide.\n\xe2\x80\xa2 Flexibility to make purchases in person, over the phone, or on the\nInternet. Plus obtain a cash advance when you need it.\n\n\\\xc5\xad\xc8\xa8\xc6\x94\xcb\x80\xcb\x86\x03\xc7\x98\xc6\xa9\x03\xc2\x8c\xc7\xba\xc7\x98\xc8\x87\xc6\x94\xc6\x89\xc8\x87\xc6\xb3\xc7\x98\xca\x96\nLoan Protect\nThis optional coverage helps to protect your credit and reduce financial\npressure in the event of death or disability.*\n*Exclusions apply. Ask for details.\n\n3-D Secure\n3-D Secure offers additional fraud protection by analyzing the merchant\xe2\x80\x99s\ncontextual data and then prompting consumers to verify their identity only\non high risk transactions.\n\nLost or Stolen Card Reporting\nEnjoy peace of mind knowing that if your Visa card is ever lost or stolen,\nassistance is a phone call away. Please call 800-682-6075 for 24/7, 365 days\na year assistance or go to www.reportmycards.com.\n\n\xc2\x9d\xc5\xad\xc7\x85\xc9\x9b\x03@\xc8\x8c\xc7\x88\xca\x8e\x03 \xc7\x98\xc7\x90\xc8\x87\xc7\xba\xc7\x98\xca\x8e\x03\xc7\x98\xc6\xa9\x03\xc2\xbe\xc7\x98\xc8\x8c\xcb\x80\x03 \xc5\xad\xc7\xba\xc6\x8f\xcb\x86\nWith MyCardRules,\xe2\x84\xa2 you decide when, where and who uses your cards.\n\nManage Your Card Spending Right From Your Mobile Device\nTurn your cards on or off, set spending limits and get alerts. All with a few quick taps\n\n\xc2\x8f\xc6\x94\xc8\xa2\xc5\xad\xc7\xba\xc6\x8f\xcb\x86\n\xe2\x80\xa2 1% cash back on all transactions\nwhich is deposited to a share\naccount on June 1 and December 1.\n\n\x0c'


b'Cardholder Agreement and Disclosure\nDefined Terms \xe2\x80\x93 The following terms have defined meanings in this agreement. \xe2\x80\x9cAccount\xe2\x80\x9d means the credit Account\nregulated by this agreement, \xe2\x80\x9cCard\xe2\x80\x9d means the plastic cards issued under this agreement, including the numbers printed\non these plastic cards; \xe2\x80\x9cwe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, and \xe2\x80\x9cour\xe2\x80\x9d mean the financial institution appearing on the face of a Card; \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d\nmean anyone who signs an application for this Account or is a guarantor of this Account, or who otherwise uses or authorizes\nuse of the Card or the Account; and \xe2\x80\x9cApproval Letter\xe2\x80\x9d means our letter to you approving your application and describing\nsome of the terms of the Account (the \xe2\x80\x9cApproval Letter\xe2\x80\x9d which is part of the agreement).\nBy signing, using or activating a Card, you accept the terms and conditions of this agreement and of the Approval Letter. If\nany provision of this agreement is determined to be unlawful, the rest of the agreement will stand and the unlawful provision\nwill be deemed amended to conform to applicable law. All Cards are our property and must be returned to us immediately\naccording to our instructions, and we may repossess a Card at any time in our sole discretion.\nMilitary Lending Act Disclosures Statement \xe2\x80\x93 Federal law provides important protections to Members of the Armed\nForces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a Member\nof the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent (36%). This rate\nmust include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\nPlease call us at (800) 221-3311 to receive disclosures orally.\nARBITRATION AND WAIVER OF CLASS ACTION \xe2\x80\x93 You and the Credit Union agree that we shall attempt to informally\nsettle any and all disputes arising out of, affecting, or relating to your Account, or the products or services the Credit Union\nhas provided, will provide or has offered to provide to you, and/or any aspect of your Account relationship with the Credit\nUnion (hereafter referred to as the \xe2\x80\x9cClaims\xe2\x80\x9d). If that cannot be done, then you agree that any and all Claims that are\nthreatened, made, filed or initiated after the Effective Date (defined below) of this Arbitration and Waiver of Class Action\nprovision (\xe2\x80\x9cArbitration Agreement\xe2\x80\x9d), even if the Claims arise out of, affect or relate to conduct that occurred prior to the\nEffective Date, shall, at the election of either you or us, be resolved by binding arbitration administered by the American\nArbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) in accordance with its applicable rules and procedures for consumer disputes (\xe2\x80\x9cRules\xe2\x80\x9d),\nwhether such Claims are in contract, tort, statute, or otherwise. The Rules can be obtained on the AAA website free of\ncharge at www.adr.org; or, a copy of the Rules can be obtained at any Credit Union branch upon request. Either you or we\nmay elect to resolve a particular Claim through arbitration, even if one of us has already initiated litigation in court related to\nthe Claim, by: (a) making written demand for arbitration upon the other party, (b) initiating arbitration against the other party,\nor (c) filing a motion to compel arbitration in court. AS A RESULT, IF EITHER YOU OR WE ELECT TO RESOLVE A\nPARTICULAR CLAIM THROUGH ARBITRATION, YOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT\nOR DEFEND YOUR RIGHTS UNDER THIS AGREEMENT (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN\nSMALL CLAIMS COURT JURISDICTION, SO LONG AS THE CLAIM REMAINS IN SMALL CLAIMS COURT). This\nArbitration Agreement shall be interpreted and enforced in accordance with the Federal Arbitration Act set forth in Title 9 of\nthe U.S. Code to the fullest extent possible, notwithstanding any state law to the contrary, regardless of the origin or nature\nof the Claims at issue. This Arbitration Agreement does not prevent you from submitting any issue relating to your accounts\nfor review or consideration by a federal, state, or local governmental agency or entity, nor does it prevent such agency or\nentity from seeking relief on your behalf.\nA. Selection of Arbitrator. The Claims shall be resolved by a single arbitrator. The arbitrator shall be selected in\naccordance with the Rules, and must have experience in the types of financial transactions at issue in the Claims. In the\nevent of a conflict between the Rules and this Arbitration Agreement, this Arbitration Agreement shall supersede the\nconflicting Rules only to the extent of the inconsistency. If AAA is unavailable to resolve the Claims, and if you and we do\nnot agree on a substitute forum, then you can select the forum for the resolution of the Claims.\nB. Effective Date. This Arbitration Agreement is effective upon the 61st day after we provide it to you (\xe2\x80\x9cEffective Date\xe2\x80\x9d),\nunless you opt-out in accordance with the requirements of the RIGHT TO OPT-OUT provision below.\n\n03/21\nLS9136\n\n\x0cC. Claims Arising Prior to Effective Date. THIS BINDING ARBITRATION AGREEMENT APPLIES TO ALL CLAIMS\nTHAT ARE FILED OR INITIATED AFTER THE EFFECTIVE DATE, EVEN IF THE CLAIM ARISES OUT OF, AFFECTS,\nOR RELATES TO CONDUCT THAT OCCURRED PRIOR TO THE EFFECTIVE DATE. If a Claim is filed or initiated prior\nto the Effective Date, this Arbitration Agreement will not apply to such Claim.\nD. Arbitration Proceedings. The arbitration shall be conducted within 50 miles of your residence at the time the arbitration\nis commenced. Any claims and defenses that can be asserted in court can be asserted through arbitration. The arbitrator\nshall be entitled to award the same remedies that a court can award, including public injunctive relief to the extent available\nunder the California Unfair Competition Law and Consumer Legal Remedies Act. Discovery shall be available for nonprivileged information to the fullest extent permitted under the Rules. The arbitrator\xe2\x80\x99s award can be entered as a judgment\nin court. Except as provided in applicable statutes, the arbitrator\xe2\x80\x99s award is not subject to review by the court and it cannot\nbe appealed. The Credit Union shall pay for any filing, administration, and arbitrator fees imposed on you by the AAA.\nHowever, you will be responsible for your own attorneys\xe2\x80\x99 fees, unless you prevail on your Claim in the arbitration, in which\ncase, we will pay your attorneys\xe2\x80\x99 fees. However, if the Credit Union prevails, then you will not be required to pay its attorneys\xe2\x80\x99\nfees and cost.\nAny determination as to whether this Arbitration Agreement is valid or enforceable in part or in its entirety will be made solely\nby the arbitrator, including without limitation any issues relating to whether a Claim is subject to arbitration; provided,\nhowever, the enforceability of the Class Action Waiver set forth below shall be determined by the Court.\nE. Class Action Waiver. ANY ARBITRATION OF A CLAIM WILL BE ON AN INDIVIDUAL BASIS. YOU UNDERSTAND\nAND AGREE THAT YOU ARE WAIVING THE RIGHT TO PARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS\nMEMBER IN A CLASS ACTION LAWSUIT.\nF. Severability. In the event the Class Action Waiver in this Arbitration Agreement is found to be unenforceable for any\nreason, the remainder of this Arbitration Agreement shall also be unenforceable. If any provision in this Arbitration\nAgreement, other than the Class Action Waiver, is found to be unenforceable, the remaining provisions shall remain fully\nenforceable.\nG. Survival. This Arbitration Agreement will survive termination of the Account and/or this Agreement.\nH. Right to Opt-Out. You have the right to opt-out of this Arbitration Agreement, provided you notify the Credit Union of\nyour intent to do so within 60 days after it is provided to you. Your opt-out is only effective if you notify the Credit Union in\nwriting at Valley Strong Credit Union, Attn: Central Operations Visa, P.O. Box 9506, Bakersfield, CA 93389-9506, within\nsuch 60 day time period. If you fail to opt-out within this 60 day time, you will be deemed to have consented to the resolution\nof your Claims through binding arbitration. In the event you opt-out, it shall not affect other terms and conditions of your\nAgreement or your relationship with the Credit Union.\nI. Inapplicability to Covered Borrowers. This Arbitration Agreement will not apply to the extent prohibited under the\nfederal Military Lending Act, such as if you are a \xe2\x80\x9ccovered borrower\xe2\x80\x9d under the Military Lending Act.\nFOR MORE DETAILS or if you have questions, you may call us or visit a branch. If you have questions about AAA\nprocedures, you should check AAA\xe2\x80\x99s website, www.adr.org, OR call AAA at (800) 778-7879.\n1. Promise to Pay \xe2\x80\x93 You agree to pay us the total amount of purchases, cash advances, finance charges or other fees\nor charges which arise from use of a Card by you or any other person, unless the other person does not have actual,\nimplied, or apparent authority for such use and you receive no personal benefit from the use. You agree to be jointly\nand severally liable with anyone else who has made the same promise.\n2. Credit Limit \xe2\x80\x93 Your credit limit is stated on the credit card carrier, as well as on your monthly statement. You promise\nto make purchases and cash advances only up to your credit limit. Your promise to pay continues to apply even if the\namount due exceeds your credit limit. Obtaining credit in excess of your credit limit does not increase your credit limit.\nWe can change your credit limit at any time to any amount (including zero). We will state the new credit limit on your\nnext monthly statement.\n3. Purchases and Cash Advances \xe2\x80\x93 You may use your card, up to your credit limit, to buy or lease goods, services or\ninsurance wherever the Card is honored. You may also use your Card to get a cash advance from participating financial\ninstitutions. However, you agree not to use your Card for any transaction that is illegal under applicable federal, state\nor local law, and you understand that any such use will constitute an event of default under this agreement. We are not\nresponsible for the refusal of anyone to honor your Card.\n\n03/2021\n\n\x0c4. Monthly Statements \xe2\x80\x93 We will send you a statement at the end of each billing cycle in which the Account has a balance.\nThe due date for your payment will be twenty-five (25) days after the last day covered by the statement.\n5. Payments \xe2\x80\x93 You agree to make the minimum monthly payments that are described in the Approval Letter, and to make\nall payments on this Account at the address specified on your monthly statement. We may accept late payments, partial\npayments, post-dated checks, or any form of payment containing a restrictive endorsement, without losing any of our\nrights under this agreement. Our acceptance of checks or money orders labeled \xe2\x80\x9cpayment in full\xe2\x80\x9d or words to that effect,\nwill not constitute an accord and satisfaction nor a waiver of any rights we have to receive full payment. Payments on\nyour Account that exceed the minimum payment due will be allocated first to the Account balance with the highest APR,\nand then to each consecutive Account balance bearing the next highest APR, at the time payment is posted to your\nAccount. Payments on your Account that do not exceed the minimum payment due will be applied in the following order:\nfinance charges, fees, any applicable installment balance minimum amount due that is calculated separately from the\nminimum payment due, the Account balance with the lowest APR, then to each consecutive Account balance bearing\nthe next lowest APR at the time payment is posted to your Account.\n6. Balance Computation Method \xe2\x80\x93 We figure the interest charge on your Account by applying the periodic rate, as stated\nin the Approval Letter, to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account. To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d we take the\nbeginning balance of your account each day, add any new purchases/advances/fees, and subtract any unpaid interest\nor other finance charges and any payments or credits. This gives us the daily balance. Then, we add up all the daily\nbalances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the \xe2\x80\x9caverage\ndaily balance\xe2\x80\x9d.\n7. Grace Period: You will not pay any interest on purchases and balance transfers if you pay the entire Account\nbalance, including any cash advances, in full by the payment due date shown on your monthly statement each and\nevery billing cycle. We call this a grace period on purchases and balance transfers. Generally, you will have at least\na 25 day grace period from the close of each billing cycle to pay the entire Account balance without incurring\nadditional interest on purchases and balance transfers. The payment due date disclosed on each monthly statement\nprovided to you is the last day of your grace period for that statement\xe2\x80\x99s billing cycle. If you do not pay the entire\nAccount balance, including any cash advances, in full by the payment due date in a billing cycle, you will pay interest\non your purchases and balance transfers from the date they are posted to your Account. You also will not have a\ngrace period on purchases and balance transfers again until you pay the entire Account balance in full by the payment\ndue date 2 billing cycles in a row.\nCash advances do not have a grace period, as they are subject to interest charges from the date the transaction posts\nto your Account.\n8. Cash Advance Fee \xe2\x80\x93 Cash advances are subject to the cash advance fee stated in the enclosed disclosure table. The\ncash advance fee is a finance charge and is imposed on the date of the cash advance. Interest does not accumulate\non this fee. The following transactions will be treated as cash advances:\nUsing your Card to obtain cash from a participating Automated Teller Machine (\xe2\x80\x9cATM\xe2\x80\x9d);\nUsing your Card to obtain cash from a participating financial institution;\nUsing a convenience check drawn on the Account;\nObtaining money orders, travelers checks, foreign currency, lottery tickets, casino chips, vouchers redeemable\nfor cash or similar items;\nE. Balance transfers, if identified as cash advances on your Approval Letter\nA.\nB.\nC.\nD.\n\n9. Annual Fee \xe2\x80\x93 The annual fee, if there is one on the Account, is stated in the Approval Letter. The annual fee is payable\nwhether or not you use the Card.\n10. Liability for Unauthorized Use \xe2\x80\x93 If you notice the loss or theft of your Card or a possible unauthorized use of your\nCard or Account, you should write to us immediately at: Valley Strong Credit Union, P.O. Box 9506, Bakersfield, CA\n93389-9506, or call us at (800) 221-3311. You will not be liable for any unauthorized use that occurs after you notify us.\nYou may, however, be liable for unauthorized use that occurs before your notice to us. However, if you exercise\nreasonable care in safeguarding your card from risk of loss or theft and, upon discovering the loss or theft promptly\nreport the loss or theft to us, you will not be liable for any unauthorized transactions. In any case, your liability will not\nexceed $50.\n11. Default \xe2\x80\x93 You will be in default if you fail to make any minimum payment or other required payment by the date that it\nis due. You also will be in default if you violate any other provision of this agreement and such violation materially\nimpairs the prospect of you paying the amount due on the Account. Upon default, we may demand immediate payment\nof the entire amount due on the Account and we may enforce our right to this payment as permitted by law.\n\n03/2021\n\n\x0c12. International Transactions \xe2\x80\x93 When you use your Card for a transaction denominated in a currency other than U.S.\ndollars, the transaction amount will be converted into U.S. dollars by applying an exchange rate selected by the Card\nAssociation from among the range of rates available in wholesale currency markets or the government-mandated rate\non the date the transaction is processed. The rate chosen may vary from the rate the Card Association itself receives.\nWhen you use your Card in a transaction outside of the United States to make a purchase, obtain a cash advance,\nobtain a credit voucher, or reverse any of these transactions, a finance charge equal to one percent (1%) of the amount\nof the transaction (expressed as a positive number) will be assessed against your Account. Foreign transactions also\ninclude internet transactions initiated in the U.S. with a merchant who processes the transaction in a foreign\ncountry. The foreign transaction fee is imposed on the date of the transaction. Interest does not accrue on the foreign\ntransaction fee. \xe2\x80\x9cCard Association\xe2\x80\x9d means either VISA International or Mastercard International.\n13. Credit Reporting \xe2\x80\x93 You authorize us to obtain credit reports on you when opening, renewing or reviewing your Account,\nand you authorize us to disclose information regarding your Account to credit bureaus and other creditors who may\ninquire of us about your credit standing. If you think we reported erroneous information to a credit reporting agency,\nwrite us at the service address on your billing statement. We will promptly investigate the matter and, if we agree with\nyou, we will contact each credit reporting agency to which we reported and request a correction. If, after our\ninvestigation, we disagree with you, we will tell you in writing or by telephone how to submit a statement to those\nagencies for inclusion in your credit report.\n14. Other Fees \xe2\x80\x93 The following charges will be charged to your Account as appropriate:\nA. Late and Returned Payment Fees. The following charges may be imposed, if applicable:\n\xe2\x80\xa2 Late Payment Fee. A late payment fee, in the amount indicated in the enclosed disclosure table, may be\nimposed if the required minimum payment due is not received by the due date listed on the monthly periodic\nstatement.\n\xe2\x80\xa2 Returned Payment Fee. A returned payment fee, in the amount indicated in the enclosed disclosure table,\nmay be imposed if your payment is returned for any reason.\nB. Replacement Cards, Copies, and Special Services. We may charge you a reasonable fee for issuing\nreplacement cards, expediting delivery of your card, an expedited payment method using a service\nrepresentative, providing photocopies and reprints that you request, and other special services as allowed by\nlaw.\n15. Amendments \xe2\x80\x93 We may amend or cancel this agreement at any time by getting your consent as provided by law or by\ngiving you a notice of the amendments. Cards are property of the Financial Institution and must be returned at our\nrequest.\nYOUR BILLING RIGHTS:\nKEEP 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:\nValley Strong Credit Union\nAttn: Central Operations VISA\nP.O. Box 9506\nBakersfield, CA 93389-9506\nIn your letter, give us the following information:\n\xef\x82\xb7 Account information: Your name and account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7 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\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\n\n03/2021\n\n\x0cYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any\npotential 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\xef\x82\xb7 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 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\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you\nas 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. We\nmust tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 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 good\nfaith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\nThe 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.\n1.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nValley Strong Credit Union\nAttn: Central Operations VISA\nP.O. Box 9506\nBakersfield, CA 93389-9506\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.\nVisa Credit Card Disclosure Table\nService\nRush 2-Day Card Replacement\nInternational Card Replacement\nForeign Transaction Conversion\nLate Charge\n\n03/2021\n\nFee\n$35.00\n$70.00\n1% of transaction amount\n$10.00\n\n\x0cOver-Limit\nCash Advance (ATM or Financial Institution)\nReturn Payment\nBalance Transfer Stop Payment\n\n03/2021\n\n$0.00\nGreater of $10 or 2% of the cash advance amount\n$15.00\n$30.00\n\n\x0c'


b'Interest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n8.50% to\nVisa Platinum with No Rewards Benefits: 10.75%\nto15.65%\n17.90%, based on your credit\nworthiness; the APR will vary with the market based on the Prime Rate.\n\n12.00% to\nto 15.65%\n17.90%, based on your credit worthiness; the\nVisa Rewards Benefits: 14.25%\nAPR will vary with the market based on the Prime Rate.\n\nto 17.90%\nVisa Secured Benefits: 14.25%\n16.50% Fixed\nRate .\nAnnual Percentage Rate\n(APR) for Balance Transfers\n\n8.50% to\nVisa Platinum with No Rewards Benefits: 10.75%\nto15.65%\n17.90%, based on your credit\nworthiness; the APR will vary with the market based on the Prime Rate.\n\n12.00% toto15.65%\nVisa Rewards Benefits: 14.525%\n17.90%, based on your credit worthiness; the\nAPR will vary with the market based on the Prime Rate.\n16.50% Fixed\nRate .\nto 17.90%\nVisa Secured Benefits: 14.525%\nAnnual Percentage Rate\n(APR) for Cash Advances\n\n10.50% to\nto 15.65%\n17.90%, based on your credit\nVisa Platinum with No Rewards Benefits: 12.00%\nworthiness; the APR will vary with the market based on the Prime Rate.\n14.00% to\nto15.65%\n17.90%, based on your credit worthiness; the\nVisa Rewards Benefits: 16.25%\nAPR will vary with the market based on the Prime Rate.\n\n16.50% Fixed\nRate .\nVisa Secured Benefits: 16.25%\nto 17.90%\nPenalty Pricing and\nWhen it Applies\n\nNone\n\nPaying Interest\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 and balance transfers if you pay your entire balance by the\ndue date each month. We will begin charging interest on cash advances on the\ntransaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $0.00\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\n\nhttps://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nNone\n$10.00 or 2.00% of the amount of each cash advance, whichever is greater.\n1.00% of each foreign transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nNone\n$10.00\n$15.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d\nApril 1, 2021\nThe information about the costs of the cards described above are current as of\n. This information may have changed\nsince that time. For the most current information, please visit valleystrong.com, call us at (661) 833-7900 / (800) 221-3311, stop by\nany of our convenient branch locations, or write to us at Valley Strong Credit Union, Attn: Visa Department, P.O. Box 9506, Bakersfield, CA\n93389-9506.\n\n\x0c'