b'CommonWealth One\n4875 Eisenhower Avenue\nAlexandria, VA 22304\n703-823-5211\nFAX: 703-823-9065\nwww.cofcu.org\n\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card are accurate as of\n. You can contact us toll free at (800) 424-3334 or 4875 Eisenhower Avenue, Alexandria, VA 22304, Attn: Account Services, to inquire\n6/2/2020\nif any changes occurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nAnnual Percentage Rate (APR)\nfor Purchases, Cash Advances,\n& Balance Transfers\n\nVISA PLATINUM\n\n7.99\n9.99\n______%,______%,\n11.99 or\n______%,\n15.99\n______%,\n\ndepending on your credit\nhistory.\nThis APR will vary with the\nmarket based on the Prime\nRate.\n\nVISA PLATINUM\nREWARDS\n\nVISA PLATINUM\nSECURED\n\n7.99\n8.99\n10.99 ______%\n______%,______%,\nThis APR will vary\n12.99 or\n______%,\nwith the market\n16.99\nbased\non the\n______%,\n\ndepending on your credit\nhistory.\nThis APR will vary with the\nmarket based on the Prime\nRate.\n\nPrime Rate.\n\nVISA SIGNATURE\nREWARDS\n\n9.99\n11.99\n______%,______%,\n13.99 or\n______%,\n17.99\n______%,\n\ndepending on your credit\nhistory.\nThis APR will vary with the\nmarket based on the Prime\nRate.\n\nPaying Interest\n\nWe will begin charging interest on the transaction date.\n\nMinimum Interest Chargee\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer\nFinancial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain your\nAccount\n\xe2\x80\xa2 Annual Fee:\n\xe2\x80\xa2 Application Fee:\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer:\n\xe2\x80\xa2 Cash Advance:\n\xe2\x80\xa2 Foreign Transaction:\n\nNone\nNone\nNone\nNone\nVisa Signature Rewards: None; All other cards:\n1% of each transaction in U.S. dollars if the transaction involves a currency conversion\n1% of each transaction in U.S. dollars if the transaction does not involve a currency conversion\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment:\n\xe2\x80\xa2 Over-the-Credit Limit:\n\xe2\x80\xa2 Returned Payment:\n\nUp to $25.00 if your payment is late1 day or more\nNone\nUp to $25.00 if your payment is returned for any reason\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).\n\n9009 LASER FPDF FI19257 Rev 7-2017\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cCREDIT CARD AGREEMENT\n\nCommonWealth One\n4875 Eisenhower Avenue\nAlexandria, VA 22304\n703-823-5211\nFAX: 703-823-9065\nwww.cofcu.org\n\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS COMMONWEALTH ONE FEDERAL CREDIT UNION OR ITS SUCCESSORS. BY\nUSING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchase money household goods.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATM machines that accept the Card, up to your\nmaximum credit limit. You agree not to present your Card or obtain a cash\nadvance for any extension of credit in excess of your available credit limit;\nhowever, if you do exceed your credit limit, you agree to make immediate\npayment sufficient to bring the balance below the credit limit. Certain\npurchases and cash advances require authorization prior to completion of the\ntransaction. In some cases, you may be asked to provide identification. If our\nsystem is not working, we may not be able to authorize a transaction, even\nthough you have sufficient credit available. Also, for security reasons, we may\nblock the use of your Card in certain countries or geographic areas. We will\nhave no liability to you or others if any of these events occur.\nPersonal Identification Number (PIN). We\nmay issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis determined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction\nunder the account.\n\n9011 LASER FPDF FI19259 10-2016\n\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with your written notice for it to be effective.\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances,\nbalance transfers or other advances, and subtract any payments, unpaid\ninterest charges, and unpaid late charges. This gives us the daily balance.\nThen, we add up all the daily balances for the billing cycle and divide that by\nthe number of days in the billing cycle. We then multiply that by the periodic\nrate corresponding to the Annual Percentage Rate on your account. If you\nhave different rates for purchases, cash advances or balance transfers,\nseparate average daily balances for each will be calculated and the\nappropriate periodic rate is then applied to each.\nNo Grace Period: There is no time period in which to pay in order to avoid\nInterest Charges.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-inLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is (800) 449-7728. You agree to follow up your call\nwith notice in writing to us at: PO Box 31281, Tampa FL 33631-3281. You also\nagree to assist us in determining the facts, circumstances and other pertinent\ninformation relating to any loss, theft or possible unauthorized use of your\nCard and comply with such procedures as we may require in connection with\nour investigation. You will be liable for any unauthorized use only if we can\nprove that you were grossly negligent in your use or handling of your Card, or\nif we can prove that you used your Card fraudulently.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time\ndesignated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address\ndesignated on the periodic statement, credit for such payment may be\ndelayed up to five (5) days. Payments will be applied in any order we\ndetermine, subject to applicable law.\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements\nyou have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS COMMONWEALTH ONE FEDERAL CREDIT UNION OR ITS SUCCESSORS. BY\nUSING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance\nin your account to exceed your credit limit.\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such information\nwhen requested by us may result in suspension of credit privileges under this\nAgreement, including your ability to obtain any future advances by any\nmeans. You authorize us to investigate your credit standing when opening or\nreviewing your account. You authorize us to disclose information regarding\nyour account to credit bureau and creditors who inquire about your credit\nstanding.\nForeign Transactions; Currency Conversion. Purchases\nand cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any balance on your account resulting from use of the\nCard as well as Interest Charges and fees incurred. We may change the\nterms of this Agreement, including the method of calculating the periodic rate,\nat any time, by written notice, subject to applicable law. Use of the Card\nconstitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our rights or\nto take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\n\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. If your credits and payments\nexceed what you owe us, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We do not warrant any merchandise\nor services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and\nstate law in the state in which we are primarily located, and the venue shall be\nlocated in the county and state in which we are primarily located. Operating\nregulations of Visa may also apply. This Agreement is the contract that applies\nto all transactions even though the sales, cash advance, convenience check,\ncredit or other slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\n\npage 2 of 3\n\n\x0cYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have\nto pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\npage 3 of 3\n\n\x0c'


b"6/19/2020\n\nOpen an Account\nCareers\n\nVisa\xc2\xae Signature Rewards | CommonWealth One Federal Credit Union\n\nApply for a Loan\n\nFind an ATM or Branch\n\nContact Us\n\n\xef\x80\xa3\n\nOnline Banking Login\n\nRouting Number: 256078365\n\nCONNECT\n\nBORROW\n\nMANAGE & SAVE\n\nGROW & LEARN\n\nCOVID-19 Update: Click here for information regarding our hours of operation, relief programs or to schedule an appointment.\n\nVISA\xc2\xae SIGNATURE REWARDS\nOPEN AN ACCOUNT\nAPPLY FOR A LOAN\n\nVisa\xc2\xae Signature Rewards Credit\nCard\nGet a CommonWealth One Visa Signature Rewards Credit Card and enjoy\nthe purchasing power you deserve.\n\nVisa Credit Cards\nView Visa Credit Card\nRates\nCredit Card Pay O\nCalculator\nHow Much Debt Do You\nOwe Calculator\nVeri ed By Visa\xc2\xae\nCardValet and Visa Alerts\nCan Help You Keep Your\nInformation Secure.\n\nHome Equity Loans\n\nEnjoy a variable rate as low as of 9.99% APR* on purchases, cash\nadvances and balance transfers. Our Signature Rewards credit card also\ngives you instant access to dozens of everyday perks, once-in-a-lifetime\nexperiences, ne wine and food events, and complimentary 24-hour\nconcierge service. As a new Visa Signature Rewards cardholder, you'll enjoy the following bene ts:\nLow variable rates as low as 9.99% APR* on purchases, cash advances, and balance transfers\nGet 10,000 bonus rewards points when you spend $1,500 in retail purchases within the rst 90\ndays of opening your account\xe2\x80\xa0\nEarn 2 rewards points for every dollar spent on all purchases, which may be redeemed for cash,\ntravel, merchandise or gift cards\nNo annual fee, no cash advance and no balance transfer fees\nNo foreign transaction fees\n\nMortgage Loans\nPersonal Loans\nOther Loans\nLoan Rates\nLoan Calculators\nVisa Business Credit\nCards\nAuto Loan Rates\nCredit Card Rates\n\nConvenience Services\nTransfer balances to your current purchase rate with no fees in Online Banking or call (866) 8205871\nPay your credit card bill using your CommonWealth One or other bank account\nRedeem your points at CURewards.com\nSign up for e-statements\n\nVisa\xc2\xae Signature Rewards Perks\nShopping\nAs a CommonWealth One Visa Signature Rewards cardholder, shop and save with discounts at top\nretailers including jewelry, apparel, electronics and more. For current o ers, log into Online Branch and\nclick on your Visa credit card to access your Signature CUReward o ers.\n\nVisa Concierge Services\nSave time and make your life easier with Visa Signature\xe2\x80\x99s complimentary concierge service. Just call\nanytime, 24 hours a day. Your concierge service can help you nd tickets to the top sports and\nentertainment events, book travel, make dinner reservations and even help you nd the perfect gift. To\nuse this service, call (800) 953-7392 or visit visasignatureconcierge.com. For calls outside the United\nStates, call us collect at (630) 350-4551.\n\nTravel\nEnjoy exclusive bene ts when you travel and use Visa Signature Luxury Hotel Collection with access to\nover 800 of the world\xe2\x80\x99s most intriguing and prestigious properties. Receive the best available rate, free\nin-room internet and more when you book through the Visa Signature Luxury Hotel Collection.\n\nhttps://www.cofcu.org/borrow/visa-credit-cards/visa-signature-rewards-credit-card\n\n1/3\n\n\x0c6/19/2020\n\nVisa\xc2\xae Signature Rewards | CommonWealth One Federal Credit Union\n\nSports\nUse Visa Signature Concierge assistance to get access to once-in-a-lifetime events, high pro le games or\neven to reserve a golf tee time. Call Visa Signature Concierge at 800-953-7392 or click here to learn\nmore.\n\nRetail Protection\nCell Phone Protection1\nPrice Protection1\nPremium Purchase Security1\nReturn Protection1\nWarranty Manager Service1\nPersonal Identity Theft1\n\nGlobal Assistance Services\nCardholder Inquiry Service\nEmergency Card Replacement/Emergency Cash Disbursement\nLost/Stolen Card Reporting\n\nTravel Bene ts\nAuto Rental Collision Damage Waiver1\nCLEAR Expedited Airport Security Line Service1\nEmergency Evacuation and Transportation Coverage1\nEmergency Medical/Dental Bene t1\nHotel Theft Protection1\nLost Luggage Reimbursement1\nRoadside Dispatch\xc2\xae\nTravel Accident Insurance up to $250,0001\nTravel and Emergency Assistance Services1\nTrip Cancellation/Trip Interruption1\nTrip Delay Reimbursement1\nDisclosures\n\n*Annual Percentage Rate (APR) is currently 9.99% -18.00%, as of April 1. Rate is determined based on the applicant(s) creditworthiness\nand will vary with the market based on the Prime Rate.\n\xe2\x80\xa0The\n\nVisa Signature Credit Card 10,000 bonus rewards points offer applies to new cardholders only. New cardholders will receive 10,000\n\nbonus reward points when they make $1,500 in purchases within first 90 days of account opening. Balance transfers and cash advances\ndo not apply.\n1\n\nCertain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure\n\ntransactions. Please refer to your Guide to Benefits for further details.\n\nView Visa Signature Rewards Credit Card Agreement and Disclosure\nVisa Rates, Fees, and Cost Information\nVisa Signature Guide to Benefits\nVisa Platinum Rewards and Platinum Guide to Benefits\nVisa Business Platinum Rewards Guide to Benefits\n\nConnect\n\nOnline Banking\nBill Pay\nMobile Apps\nMobile MyDeposit\nPopMoney\nE-Statements\nMoney Tools\nText Banking and Mobile Web Banking\n\nBorrow\n\nLoan Perks\nNew and Used Auto Loans\nVisa Credit Cards\nHome Equity Loans\nMortgage Loans\nPersonal Loans\nStudent Loans\nOther Loans\n\nhttps://www.cofcu.org/borrow/visa-credit-cards/visa-signature-rewards-credit-card\n\nManage & Save\n\nChecking Accounts\nSavings Accounts\nMoney Management Accounts\nShare Certi cates\nInvestment Services\nInsurance Programs\nBusiness Services\n\nGrow & Learn\n\nAbout CommonWealth One\nMembership\nCollege Student Services\nYouth Programs\nScholarships\nFinancial and Education Resources\nContact Us\nFind a Branch or ATM\nCareers\n2/3\n\n\x0c6/19/2020\n\nVisa\xc2\xae Signature Rewards | CommonWealth One Federal Credit Union\n\n\xc2\xa9 2020, CommonWealth One Federal Credit Union. All Rights Reserved.\nPrivacy Policy | Disclosures | Website Accessibility\n\nhttps://www.cofcu.org/borrow/visa-credit-cards/visa-signature-rewards-credit-card\n\n3/3\n\n\x0c"


b'YOUR GUIDE TO CARD BENEFITS\n\nYour Guide to Benefits\ndescribes the benefits in\neffect as of 4/1/14. Benefit\ninformation in this guide replaces\nany prior benefit information you\nmay have received. Please read\nand retain for your records. Your\neligibility is determined by your\nfinancial institution.\nFor more information\nabout the benefits\ndescribed in this guide, call\nthe Benefit Administrator\nat 1-800-397-9010, or call\ncollect outside the U.S. at\n303-967-1093.\n\nVisa\nSignature Card\n\nFor questions about your account, balance, or rewards points please call the customer service number on your\nVisa Signature card statement.\n\nWarranty Manager Service\nWhat is this benefit?\nWarranty Manager Service provides you with valuable features to help manage, use and even extend the\nwarranties of eligible items purchased with your Visa Signature card. You can access these features with a\nsimple toll-free call. Services include Warranty Registration and Extended Warranty Protection.\nWho is eligible for this benefit?\nYou are eligible if you are a valid cardholder of an eligible Visa Signature card issued in the United States.\nWhy should I use Warranty Registration to register my purchases?\nYou\xe2\x80\x99ll have peace of mind knowing that your purchases\xe2\x80\x99 warranty information is registered and on file.\nAlthough Warranty Registration is not required for Extended Warranty Protection benefits, you are encouraged\nto take advantage of this valuable service. When arranging for a repair or replacement, instead of searching for\ncritical documents, you can just pick up the phone and call the Benefit Administrator.\nHow do I register my purchases?\nTo register an eligible purchase call 1-800-397-9010, or call collect outside the U.S. at 303-967-1093.\nThe Benefit Administrator will provide the address to which you can send in the item\xe2\x80\x99s sales receipt and\nwarranty information so this key information can be kept on file for you.\nHow does Extended Warranty Protection work?\nExtended Warranty Protection doubles the time period of the original manufacturer\xe2\x80\x99s written U.S. repair\nwarranty up to one (1) additional year on eligible warranties of three (3) years or less for items purchased\nentirely with your eligible Visa Signature card.\nThis benefit is limited to no more than the original price of the purchased item (as shown on your Visa Signature\ncard receipt), less shipping and handling fees, up to a maximum of ten thousand dollars ($10,000.00) per\nclaim and fifty thousand dollars ($50,000.00) per cardholder.\nWhat about purchases made outside of the U.S.?\nPurchases made outside of the U.S. are covered as long as you purchased the item entirely with your eligible\nVisa Signature card and the eligible item has a valid original manufacturer\xe2\x80\x99s written U.S. repair warranty of\nthree (3) years or less, store-purchased dealer warranty, or assembler warranty.\nWhat types of purchases are not covered?\n\xef\x81\xb5B\n\x07 oats, automobiles, aircraft, and any other\nmotorized vehicles and their motors, equipment, or\naccessories, including trailers and other items\nthat can be towed by or attached to any motorized\nvehicle\n\xef\x81\xb5A\n\x07 ny costs other than those specifically covered\nunder the terms of the original manufacturer\xe2\x80\x99s\nwritten U.S. repair warranty, as supplied by the\noriginal manufacturer, or other eligible warranty\n\xef\x81\xb5 I\x07 tems purchased for resale, professional, or\ncommercial use\n\n\xef\x81\xb5R\n\x07 eal estate and items which are intended to\n\n\xef\x81\xb5\n\n\xef\x81\xb5\n\xef\x81\xb5\n\xef\x81\xb5\n\nbecome part of real estate including, but not\nlimited to, items that are hard-wired or hardplumbed, garage doors, garage door openers,\nand ceiling fans\nR\n\x07 ented or leased items or items purchased\non an installment plan and for which the entire\npurchase price was not paid in full at the time of\nthe occurrence\nC\n\x07 omputer software\nM\n\x07 edical equipment\nU\n\x07 sed or pre-owned items\n\nShould I keep copies of receipts or any other records?\nNot if you\xe2\x80\x99ve already registered your purchase. If you have not registered your purchase, however, you should\nkeep copies of your Visa Signature card receipt, your store receipt, the original manufacturer\xe2\x80\x99s written U.S.\nwarranty, and any other applicable warranty in the event that you need to file a claim, as these documents will\nbe required to verify your claim.\n\nContinued on page 2 \xef\x81\xb5\n\n\x0cWarranty Manager Service, continued\n\nFiling an Extended Warranty Protection Claim\nHow do I file a claim?\nCall the Benefit Administrator at 1-800-397-9010, or call collect outside the U.S. at 303-967-1093\nimmediately after the failure of a covered item.\nPlease Note: If you do not notify the Benefit Administrator within sixty (60) days after the product\nfailure, your claim may be denied.\nThe Benefit Administrator will ask you for some preliminary claim information, direct you to the appropriate\nrepair facility, and send you the appropriate claim form.\nGift recipients of eligible items are also covered by the claim process. However, a gift recipient must provide all\nthe documents necessary to fully substantiate the claim.\nFor faster filing, or to learn more about the Warranty Manager Service benefit, visit\nwww.visa.com/eclaims\nWhat documents do I need to submit with my claim?\nComplete and sign the claim form sent to you by the Benefit Administrator and submit it within ninety (90)\ndays of the product failure along with the following documents:\n\xef\x81\xb5 \x07Your Visa Signature card receipt\n\xef\x81\xb5 The itemized store receipt\n\xef\x81\xb5A\n\x07 copy of the original manufacturer\xe2\x80\x99s written U.S.\n\nwarranty and any other applicable warranty\n\n\xef\x81\xb5A\n\x07 description and serial number of the item, and\n\nany other documentation deemed necessary to\nsubstantiate your claim (this includes bills and, if\nnecessary, a copy of the maintenance record and\nreceipts)\n\xef\x81\xb5 The original repair order\n\nPlease Note: All claims must be fully substantiated.\nHow will I be reimbursed?\nIf you have substantiated your claim and met the terms and conditions of the benefit, the item will be replaced\nor repaired at the Benefit Administrator\xe2\x80\x99s discretion, but for no more than the original purchase price\nof the covered item as recorded on your Visa Signature card receipt, less shipping and handling fees, up\nto a maximum of ten thousand dollars ($10,000.00) per claim, and a maximum of fifty thousand dollars\n($50,000.00) per cardholder.\nUnder normal circumstances, reimbursement will take place within five (5) business days of receipt and\napproval of all required documents.\nWhat about repairs?\nExtended Warranty Protection will pay the repair facility directly, or you may go to an authorized repair facility\nand file a claim for reimbursement. Only valid and reasonable repairs made at the manufacturer\xe2\x80\x99s\nauthorized repair facility are covered.\nIn either case, the Benefit Administrator\xe2\x80\x99s payment, replacement, or repair made in good faith will fulfill the\nobligation under the benefit.\nDo I have to file with my insurance company?\nNo. However, if you have purchased or received a service contract or Extended Warranty, Extended Warranty\nProtection is supplemental to, and excess of, that coverage.\nADDITIONAL PROVISIONS FOR WARRANTY MANAGER SERVICE\nThis benefit applies only to you, the eligible Visa Signature cardholder, and to whomever receives the eligible\ngifts you purchase entirely with your eligible Visa Signature card.\nYou shall use due diligence and do all things reasonable to avoid or diminish any loss or damage to property\nprotected by this benefit. This provision will not be unreasonably applied to avoid claims.\nIf you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost\nof repair services, no benefit shall exist for such claim and your benefits may be canceled. Each claimant\nagrees that representations regarding claims will be accurate and complete. Any and all relevant provisions\nshall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.\nOnce you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the\ndate of the damage or theft. No payment will be made on a claim that is not completely substantiated in the\nmanner required by the Benefit Administrator within six (6) months of the date of product failure.\nAfter the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect\nof this claim will be transferred to the Benefit Administrator to the extent of payment made to you. You must\ngive the Benefit Administrator all assistance as may reasonably be required to secure all rights and remedies.\nNo legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives\nProof of Loss. No legal action against the Provider may be brought more than two (2) years after the time for\ngiving Proof of Loss. Further, no legal action may be brought against the Provider unless all the terms of this\nGuide to Benefits have been complied with fully.\nThe benefit is provided to eligible Visa Signature cardholders at no additional cost. The terms and conditions\ncontained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the\nterms and conditions may be provided via additional Guide to Benefits mailings, statement inserts, or\nstatement messages. The benefits described in this Guide to Benefits will not apply to Visa Signature\ncardholders whose accounts have been suspended or canceled.\n\n2\n\nContinued on page 3 \xef\x81\xb5\n\n\x0cWarranty Manager Service, continued\nTermination dates may vary by financial institutions. Your financial institution can cancel or non-renew\nthe benefits, and if they do, they will notify you at least thirty (30) days in advance. This information is a\ndescription of the benefit provided to you as a Visa Signature cardholder. Indemnity Insurance Company of\nNorth America (\xe2\x80\x9cProvider\xe2\x80\x9d) is the underwriter of this benefit and is solely responsible for its administration\nand claims. The Benefit Administrator provides services on behalf of the Provider.\nFORM #VWMGR 10K-50K-3YR \xe2\x80\x93 2013 (04/14)\t\t\t\t\t\t\n\nWMGR-S\n\nTravel and Emergency Assistance Services\nWhat is this benefit?\nThis benefit offers services designed to help you in case of an emergency while traveling. The Benefit\nAdministrator can connect you with the appropriate local emergency and assistance resources available\nwhen you are away from home, 24 hours a day, 365 days a year. (Please keep in mind that, due to occasional\nissues such as distance, location, or time, neither the Benefit Administrator nor its service providers can be\nresponsible for the availability, use, cost, or results of any medical, legal, transportation, or other services.)\nWho is eligible for this benefit?\nYou are eligible if you are a valid cardholder of an eligible Visa Signature card issued in the United States. Your\nspouse and children [provided children are dependents under twenty-two (22) years old] may all benefit from\nthese special services.\nHow do I use these services when I need them?\nSimply call the toll-free, 24-hour Benefit Administrator line at 1-800-397-9010. If you are outside\nthe United States, call collect at 303-967-1093.\nIs there a charge for these services?\nNo. Travel and Emergency Assistance Services are available to eligible Visa Signature cardholders at no\nadditional charge.\nPlease Note: Travel and Emergency Assistance Services provide assistance and referral only. You\nare responsible for the cost of any actual medical, legal, transportation, cash advance, or other\nservices or goods provided.\nWhat are the specific services and how can they help me?\n\xef\x81\xb5 Emergency\n\x07\nMessage Service can record and\nrelay emergency messages for travelers, their\nimmediate family members, or business associates.\nPlease Note: The Benefit Administrator will use\nreasonable efforts to relay emergency messages in\naccordance with benefit guidelines and limitations,\nbut cannot take responsibility for the failure to\ntransmit any message successfully.\n\xef\x81\xb5 Medical\n\x07\nReferral Assistance provides medical\nreferral, monitoring, and follow-up. The Benefit\nAdministrator can give you names of local\nEnglish-speaking doctors, dentists, and hospitals;\nassign a doctor to consult by phone with local\nmedical personnel, if necessary, to monitor your\ncondition; keep in contact with your family, and\nprovide continuing liaison; and help you arrange\nmedical payments from your Visa Signature or\npersonal account. Please Note: All costs are your\nresponsibility.\n\xef\x81\xb5 Legal\n\x07\nReferral Assistance can arrange contact\nwith English-speaking attorneys and U.S.\nembassies and consulates if you\xe2\x80\x99re detained by\nlocal authorities, have a car accident, or need legal\nassistance. In addition, the Benefit Administrator can\ncoordinate bail payment from your Visa Signature\nor personal account. The Benefit Administrator\ncan also follow up to make sure bail has been\nproperly handled. Please Note: All costs are your\nresponsibility.\n\xef\x81\xb5 Emergency\n\x07\nTransportation Assistance can help you\nmake all the necessary arrangements for emergency\ntransportation home or to the nearest medical facility.\nThis includes arranging to bring your young children\nhome and helping you stay in contact with family\nmembers or employers during the emergency. In the\n\n3\n\ncase of a death, the Benefit Administrator can make\narrangements to repatriate the remains. Please Note: All\ncosts are your responsibility.\n\xef\x81\xb5 Emergency\n\x07\nTicket Replacement helps you\nthrough your carrier\xe2\x80\x99s lost ticket reimbursement\nprocess and assists in the delivery of a replacement\nticket to you should you lose your ticket. Please\nNote: All costs are your responsibility.\n\xef\x81\xb5 Lost\n\x07\nLuggage Locator Service can help you through\nthe common carrier\xe2\x80\x99s claim procedures or can arrange\nshipment of replacement items if an airline or common\ncarrier loses your checked luggage. Please Note: You\nare responsible for the cost of any replacement items\nshipped to you.\n\xef\x81\xb5 Emergency\n\x07\nTranslation Service provides\ntelephone assistance in all major languages and\nhelps find local interpreters, if available, when you\nneed more extensive assistance. Please Note: All\ncosts are your responsibility.\n\xef\x81\xb5 Prescription\n\x07\nAssistance and Valuable\nDocument Delivery Arrangements can help\nyou fill or replace prescriptions, subject to local\nlaws, and can arrange pickup and delivery of\nprescriptions filled for you at local pharmacies. It\ncan also help transport critical documents that you\nmay have left at your home or elsewhere. Please\nNote: All costs are your responsibility.\n\xef\x81\xb5 Pre-Trip\n\x07\nAssistance can give you information\non your destination before you leave \xe2\x80\x94 such\nas ATM locations, currency exchange rates,\nweather reports, health precautions, necessary\nimmunizations, and required passport visas.\n\nContinued on page 4 \xef\x81\xb5\n\n\x0cTravel and Emergency Assistance Services, continued\nADDITIONAL PROVISIONS FOR TRAVEL AND EMERGENCY ASSISTANCE SERVICES\nThe benefit described in this Guide to Benefits will not apply to Visa Signature cardholders whose accounts\nhave been suspended or canceled. The terms and conditions contained in this Guide to Benefits may be\nmodified by subsequent endorsements. Modifications to the terms and conditions may be provided via\nadditional Guide to Benefits mailings, statement inserts, or statement messages.\nFORM #VTEAS \xe2\x80\x93 2013 (Stand 04/14)\t\t\t\t\t\t\n\nTEAS-S\n\nAuto Rental Collision Damage Waiver\nWhat is the Auto Rental Collision Damage Waiver (\xe2\x80\x9cAuto Rental CDW\xe2\x80\x9d) benefit?\nThe Auto Rental Collision Damage Waiver (\xe2\x80\x9cAuto Rental CDW\xe2\x80\x9d) benefit offers insurance coverage for\nautomobile rentals made with your Visa Signature card. The benefit provides reimbursement (subject to the\nterms and conditions in this guide) for damage due to collision or theft up to the actual cash value of most\nrental vehicles.\nWho is eligible for this benefit?\nYou are eligible only if you are a valid cardholder whose name is embossed on an eligible Visa Signature card\nissued in the United States. Only you as the primary renter of the vehicle and any additional drivers permitted\nby the auto rental agreement are covered.\nWhat losses are covered?\nThe benefit provides reimbursement up to the actual cash value of the vehicle as it was originally\nmanufactured. Most private passenger automobiles, minivans, and sport utility vehicles are eligible, but some\nrestrictions may apply. Please contact the Benefit Administrator to inquire about a specific vehicle.\nCovered losses include:\n\xef\x81\xb5 \x07Physical damage and/or theft of the covered rental\n\nvehicle\n\xef\x81\xb5 \x07Valid loss-of-use charges imposed and\nsubstantiated by the auto rental company\n\n\xef\x81\xb5 \x07Reasonable and customary towing charges, due\n\nto covered theft or damage, to the nearest\nqualified repair facility\n\nPlease Note: This benefit only covers vehicle rental periods that neither exceed nor are intended to\nexceed fifteen (15) consecutive days within your country of residence or thirty-one (31) consecutive\ndays outside your country of residence.\nHow does this coverage work with other insurance?\nWithin your country of residence, this benefit supplements, and applies excess of, any valid and collectible\ninsurance or reimbursement from any source. This means that, subject to the terms and conditions of this\nbenefit, Auto Rental CDW applies to eligible theft or damage or expenses that are not covered by insurance or\nreimbursement.\nIf you do not have personal automobile insurance or any other insurance covering this theft or damage,\nthis benefit reimburses you for the covered theft or damage as well as valid administrative and loss-of-use\ncharges imposed by the auto rental company and reasonable towing charges that occur while you are\nresponsible for the rental vehicle.\nIf you do have personal automobile insurance or other insurance covering this theft or damage, the Auto\nRental CDW benefit reimburses you for the deductible portion of your personal automobile insurance and any\nunreimbursed portion of valid administrative and loss-of-use charges imposed by the auto rental company, as\nwell as reasonable towing charges resulting from covered theft or damage of the rental vehicle while it is your\nresponsibility.\nWhat types of rental vehicles are not covered?\nThe following vehicles are not covered by Auto Rental CDW: expensive, exotic, and antique automobiles;\ncertain vans; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines;\nand recreational vehicles.\n\xef\x81\xb5E\n\x07 xamples of excluded expensive or exotic\n\xef\x81\xb5A\n\x07 n antique automobile is defined as any vehicle\nautomobiles include: the Aston Martin, Bentley,\nover twenty (20) years old or any vehicle that has\nBricklin, Daimler, DeLorean, Excalibur, Ferrari,\nnot been manufactured for ten (10) years or more.\nJensen, Lamborghini, Lotus, Maserati, Porsche, and\n\xef\x81\xb5V\n\x07 ans are not covered, with the exception of those\nRolls Royce. However, selected models of BMW,\nmanufactured and designed specifically as small\nMercedes-Benz, Cadillac, and Lincoln are covered.\ngroup transportation vehicles (for a maximum of\neight (8) people including the driver)\nFor questions about a specific vehicle, call the Benefit Administrator at 1-800-397-9010.\nIf you are outside the United States, call collect at 303-967-1093.\nWhat else is not covered?\n\xef\x81\xb5A\n\x07 ny obligation you assume under any agreement\n(other than the deductible under your personal auto\npolicy)\n\xef\x81\xb5A\n\x07 ny violation of the auto rental agreement or this\nbenefit\n\xef\x81\xb5 I\x07 njury of anyone or damage to anything inside or\noutside the rental vehicle\n\xef\x81\xb5L\n\x07 oss or theft of personal belongings\n\xef\x81\xb5P\n\x07 ersonal liability\n4\n\n\xef\x81\xb5E\n\x07 xpenses assumed, waived, or paid by the auto\n\nrental company or its insurer\n\n\xef\x81\xb5C\n\x07 ost of any insurance or collision damage waiver\n\noffered by or purchased through the auto rental\ncompany\n\xef\x81\xb5D\n\x07 epreciation of the rental vehicle caused by the\nincident including, but not limited to \xe2\x80\x9cdiminished\nvalue\xe2\x80\x9d\n\xef\x81\xb5E\n\x07 xpenses reimbursable by your insurer, employer,\nor employer\xe2\x80\x99s insurance\nContinued on page 5 \xef\x81\xb5\n\n\x0cAuto Rental Collision Damage Waiver, continued\n\xef\x81\xb5T\n\x07 heft or damage due to intentional acts, or due to\n\nthe driver(s) being under the influence of alcohol,\nintoxicants, or drugs, or due to contraband or\nillegal activities\n\xef\x81\xb5W\n\x07 ear and tear, gradual deterioration, or\nmechanical breakdown\n\xef\x81\xb5 I\x07 tems not installed by the original manufacturer\n\xef\x81\xb5D\n\x07 amage due to off-road operation of the rental\nvehicle\n\xef\x81\xb5T\n\x07 heft or damage due to hostility of any kind\n(including, but not limited to, war, invasion,\nrebellion, insurrection, or terrorist activities)\n\xef\x81\xb5C\n\x07 onfiscation by authorities\n\xef\x81\xb5V\n\x07 ehicles that do not meet the definition of covered\nvehicles\n\xef\x81\xb5R\n\x07 ental periods that either exceed or are intended\nto exceed fifteen (15) consecutive days within your\ncountry of residence or thirty-one (31) consecutive\ndays outside your country of residence\n\n\xef\x81\xb5L\n\x07 eases and mini leases\n\xef\x81\xb5T\n\x07 heft or damage as a result of the authorized\n\ndriver\xe2\x80\x99s and/or cardholder\xe2\x80\x99s lack of reasonable\ncare in protecting the rental vehicle before and\nafter damage occurs (for example, leaving the\nvehicle running and unattended)\n\xef\x81\xb5T\n\x07 heft or damage reported more than forty-five (45)\ndays* from the date of the incident\n\xef\x81\xb5T\n\x07 heft or damage for which a claim form has not\nbeen received within ninety (90) days* from the\ndate of the incident\n\xef\x81\xb5T\n\x07 heft or damage for which all required\ndocumentation has not been received within three\nhundred and sixty-five (365) days from the date of\nthe incident\n\xef\x81\xb5T\n\x07 heft or damage from rental transactions that\noriginated in Israel, Jamaica, the Republic of\nIreland, or Northern Ireland\n\nWhere am I covered?\nThis benefit is available in the United States and most foreign countries. However, no benefit is provided\nfor motor vehicles rented in Israel, Jamaica, the Republic of Ireland, or Northern Ireland. Additionally,\nthis benefit is not available where precluded by law or in violation of the territory terms of the auto rental\nagreement or prohibited by individual merchants. Because regulations vary outside the United States, it\nis recommended you check with your auto rental company and the Benefit Administrator before you\ntravel to make sure Auto Rental CDW will apply.\nThis benefit is in effect while the rental vehicle remains in your control or in the control of an authorized driver\npermitted to operate the rental vehicle in accordance with the rental agreement between you and the auto rental\ncompany. This benefit terminates when the auto rental company re-assumes control of the rental vehicle.\nHow do I make sure my Auto Rental CDW benefit is in effect?\nTo be sure you are covered, take the following steps when you rent a vehicle:\nand complete the entire rental\n1 Initiate\ntransaction with your eligible Visa Signature\ncard.\n\n2\n\nDecline the auto rental company\xe2\x80\x99s collision damage\nwaiver (CDW/LDW) option or similar provision.\n\nHelpful tips:\n\xef\x81\xb5 Be sure to check the rental vehicle for prior damage before leaving the rental lot.\n\xef\x81\xb5R\n\x07 eview the auto rental agreement carefully to make sure you are declining CDW/LDW and are\nfamiliar with the terms and conditions of the auto rental agreement.\nWhat if the auto rental company insists that I purchase the auto rental company\xe2\x80\x99s auto insurance or\ncollision damage waiver?\nCall the Benefit Administrator for help at 1-800-397-9010. If you are outside the United States,\ncall collect at 303-967-1093.\n\nFiling an Auto Rental CDW Claim\nWhat do I do if I have an accident or the rental vehicle is stolen?\nImmediately call the Benefit Administrator at 1-800-397-9010 to report the theft or damage regardless of\nwhether your liability has been established. If you are outside the United States, call collect at 303-9671093. The Benefit Administrator will answer any questions you or the auto rental company may have and will\nsend you a claim form.\nWhen should I report an incident?\nYou should report theft or damage as soon as possible, but no later than forty-five (45) days* from\nthe date of the incident. The Benefit Administrator reserves the right to deny any claim that contains charges\nthat would not have been included had the Benefit Administrator been notified before those expenses were\nincurred, so you are advised to notify the Benefit Administrator immediately after any incident.\nPlease Note: You must make every reasonable effort to protect the rental vehicle from theft or damage.\nAs the cardholder you are responsible for reporting your claim to the Benefit Administrator immediately.\nReporting an incident to someone other than the Benefit Administrator will not fulfill this obligation.\n\n5\n\nContinued on page 6 \xef\x81\xb5\n\n\x0cAuto Rental Collision Damage Waiver, continued\nWhat do I need from the auto rental company in order to file a claim?\nAt the time of the theft or damage, or when you return the rental vehicle, immediately ask the auto rental\ncompany for:\n\xef\x81\xb5A\n\x07 copy of the accident report form and claim\n\xef\x81\xb5A\n\x07 copy of the repair estimate and itemized\ndocument, which should indicate the costs you are\nrepair bill\nresponsible for and any amounts that have been\n\xef\x81\xb5T\n\x07 wo (2) photographs of the damaged vehicle, if\npaid toward the claim\navailable\n\xef\x81\xb5A\n\x07 copy of the initial and final auto rental\n\xef\x81\xb5 A police report, if obtainable\nagreement(s)\nHow do I file a claim?\nSubmit the documents gathered from the auto rental company (listed above) along with the following\nadditional documents to the Benefit Administrator:\nthe costs for which you are responsible and\n\xef\x81\xb5T\n\x07 he completed and signed Auto Rental CDW claim\nany amounts that have been paid toward the\nform. Please Note: Your completed claim form must\nclaim. Or, if you have no applicable insurance\nbe postmarked within ninety (90) days* of the date\nor reimbursement, a notarized statement of no\nof the theft or damage, even if all other required\ninsurance or reimbursement is required.\ndocumentation is not yet available, or your claim\nmay be denied.\n\xef\x81\xb5A\n\x07 copy of your automobile insurance policy\xe2\x80\x99s\nDeclarations Page. \xe2\x80\x9cDeclarations Page\xe2\x80\x9d means\n\xef\x81\xb5A\n\x07 copy of your receipt or monthly billing statement\nthe document(s) in your insurance policy that lists\nas proof that the entire vehicle rental was charged\nnames, coverages, limits, effective dates and\nand paid for with your eligible Visa Signature card\ndeductibles.\n\xef\x81\xb5A\n\x07 statement from your insurance carrier (and/or\n\xef\x81\xb5A\n\x07 ny other documentation deemed necessary by\nyour employer or employer\xe2\x80\x99s insurance carrier,\nthe Benefit Administrator to substantiate the claim\nif applicable) or other reimbursement showing\nPlease Note: All remaining documents must be postmarked within three hundred and sixty-five (365) days of\nthe date of theft or damage. If you have difficulty obtaining the required documents within ninety (90) days* of\nthe date of theft or damage, submit the claim form with available documentation.\nFor faster filing, or to learn more about Auto Rental CDW, visit www.visa.com/eclaims\nDo I have to do anything else?\nUsually there is nothing else you need to do. Typically, claims will be finalized within fifteen (15) days after the Visa\nSignature Auto Rental CDW Benefit Administrator has received all documentation necessary to fully substantiate\nyour claim.\nAfter the Benefit Administrator has paid your claim, all your rights and remedies against any party in respect of\nthis theft or damage will be transferred to the Benefit Administrator to the extent of the cost of payment made to\nyou. You must give the Benefit Administrator all assistance as may reasonably be required to secure all rights and\nremedies.\n* Not applicable to residents of certain states.\nADDITIONAL PROVISIONS FOR AUTO RENTAL CDW\nYou must make every effort that would be made by a reasonable and prudent person to protect the rental\nvehicle from theft or damage. This provision will not be unreasonably applied to avoid claims.\nIf you make any claim knowing it to be false or fraudulent in any respect including, but not limited to, the cost\nof repair services, no coverage shall exist for such claim and your benefits may be canceled. Each cardholder\nagrees that representations regarding claims will be accurate and complete. Any and all relevant provisions\nshall be void in any case of fraud, intentional concealment, or misrepresentation of material fact.\nOnce you report an occurrence, a claim file will be opened and shall remain open for six (6) months from the\ndate of the incident/occurrence. No payment will be made on a claim that is not completely substantiated\nin the manner required by the Benefit Administrator within twelve (12) months of the date of the incident/\noccurrence.\nNo legal action for a claim may be brought against the Provider until sixty (60) days after the Provider receives\nProof of Loss. After the expiration of three (3) years from the time written Proof of Loss was to be provided, no\naction shall be brought to recover on this benefit. Further, no legal action may be brought against the Provider\nunless all the terms of this Guide to Benefits have been complied with fully.\nThis benefit is provided to eligible Visa Signature cardholders at no additional cost. The terms and conditions\ncontained in this Guide to Benefits may be modified by subsequent endorsements. Modifications to the terms\nand conditions may be provided via additional Guide to Benefits mailings, statement inserts, or statement\nmessages. The benefit described in this Guide to Benefits will not apply to Visa Signature cardholders whose\naccounts have been suspended or canceled.\nTermination dates may vary by financial institution. Your financial institution can cancel or non-renew the\nbenefit, and if they do, they will notify you at least thirty (30) days in advance. This information is a description\nof the benefit provided to you as a Visa Signature cardholder. Indemnity Insurance Company of North America\n(\xe2\x80\x9cProvider\xe2\x80\x9d) is the underwriter of this benefit and is solely responsible for its administration and claims. The\nBenefit Administrator provides services on behalf of the Provider.\nFORM #VARCDW \xe2\x80\x93 2013 (Stand 04/14)\t\t\t\t\t\n\nARCDW-S\n\nFor more information about the benefits described in this\nguide, call the Benefit Administrator at 1-800-397-9010,\nor call collect outside the U.S. at 303-967-1093.\n\xc2\xa9 2006\xe2\x80\x932013 Visa. All Rights Reserved.\n\n6\n\nvisa.com\nm-115578\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nDUPACO PLATINUM 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\n\n14.00%\nThis APR will vary with the market based on the Prime Rate.\n2.90% Introductory APR for six months from first transfer.\nAfter that, Your APR will be 14.00% .\n\nAPR for Cash Advances\n\nThis APR will vary with the market based on the Prime Rate.\n14.00%\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\nTransaction Fees\n- Cash Advance Fee\n- Foreign Transaction Fee\n\n$3.00 or 1.50% of the amount of each cash advance, whichever is greater\n(Maximum Fee: $15.00)\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $15.00\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 details.\nPromotional Period for Introductory APR:\nThe Introductory APR for balance transfers will apply to transactions posted to Your Account during the first 90 days\nfollowing the opening of Your Account. Balance transfers made after the 90 days from opening your account will be\nsubject to the non-introductory APR.\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 (844) 476-2446 to receive oral disclosures of the Military Lending Act disclosure above and a\ndescription of the payment obligation.\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01401789-MXC20-C-2-012820 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$15.00 or the amount of the required minimum payment, whichever is less, if You are 4 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.\nCash Advance Fee (Finance Charge):\n$3.00 or 1.50% of the amount of each cash advance, whichever is greater, however, the fee will never exceed $15.00. If\nYour Account is subject to a Cash Advance Fee (finance charge), the fee will be charged to Your Account when You\nobtain a cash advance from an ATM, the Credit Union or other financial institution.\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$10.00. 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$11.00. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nEmergency Card Replacement Fee:\n$105.00. If Your Account is subject to an Emergency Card Replacement Fee, a fee will be charged to Your Account for\neach emergency replacement Card that is issued to You.\nRush Fee:\n$50.00. 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$11.00. 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$25.00 per hour. If Your Account is subject to a Research Fee, the fee will be charged to Your Account when You request\nWe conduct research on Your behalf, unless prohibited by law.\nPeriodic Rates:\nThe Purchase APR is 14.00% which is a daily periodic rate of 0.0384%.\nThe Introductory Balance Transfer APR is 2.90%\nwhich is a daily periodic rate of 0.0079% .\nThe Balance Transfer APR is 14.00% which is a daily periodic rate of 0.0384%.\nThe Cash Advance APR is 14.00% which is a daily periodic rate of 0.0384%.\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\nthe last business day of each calendar quarter (March, June, September, and December), to which We add a margin. The\nANNUAL PERCENTAGE RATE will never be greater than 21.00%. Any increase in the ANNUAL PERCENTAGE RATE\nwill result in an increase in the amount of the interest You will pay, may increase Your minimum payment, and may\nincrease the number of payments to pay off Your balance. If the Index is no longer available, the Credit Union will choose\na new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 10.75% above the Index.\nBalance Transfers will be charged at 10.75% above the Index.\nCash Advances will be charged at 10.75% above the Index.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n01401789-MXC20-C-2-012820 (MXC201-E)\n\n\x0cCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nDUPACO PLATINUM VISA/DUPACO REWARDS VISA\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Dupaco Community Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d\nrefers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by\nthis Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 3.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n01401789-MXC30-P-1-111417 (MXC303-E)\n\n\x0cIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. 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.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\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) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\nPage 2 of 5\n01401789-MXC30-P-1-111417 (MXC303-E)\n\n\x0c10. DEFAULT \xe2\x80\x94 You will be in default if You are more than ten (10) days late in making any minimum payment or other\nrequired payment. You will also be in default if You do not comply with the terms of this Agreement and Your failure to\ncomply materially impairs any property You gave as security for this Agreement or Your ability to repay what You owe\nunder this Agreement.\nWhen You are in default and after expiration of any right You have to cure Your default under the applicable state law, the\nCredit Union has the right to demand immediate payment of Your full Account balance. If immediate payment is\ndemanded, You agree to continue paying finance charges at the periodic rate charged before default, until what You owe\nhas been paid, and any shares that were given as security for Your Account may be applied towards what You owe.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at PO Box 10409, Des\nMoines, IA, 50306-0409 or call Us at (800) 234-5354, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n15. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n16. 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.\n17. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nPage 3 of 5\n01401789-MXC30-P-1-111417 (MXC303-E)\n\n\x0cEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nIowa.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n24. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n25. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n26. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n27. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n28. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n29. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n30. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n31. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n32. 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.\n\nPage 4 of 5\n01401789-MXC30-P-1-111417 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 5 of 5\n01401789-MXC30-P-1-111417 (MXC303-E)\n\n\x0c'