b'PLATINUM MASTERCARD/SECURED MASTERCARD\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the MasterCard credit card and any duplicates, renewals, or\nsubstitutions the Credit Union issues to you; "account" means your MasterCard credit card line-of-credit account with the\nCredit Union; and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to whom the\nCredit Union transfers this Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\nmonths and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and\ncasino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction\nthat is illegal.\n\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\nDGAKC2 (MXC502 CCM003)-e\n\n\x0c3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of\npurchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the\nbilling cycle in which the cash advance is posted to your account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of\npurchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate used to convert foreign currency transactions to U.S. dollars is either a\ngovernment-mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard\nuses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is\nprocessed. This rate may differ from the rate applicable on the date the transaction occurred or was posted to your\naccount.\nA fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder\xe2\x80\x99s\ncountry code differs from the merchant\xe2\x80\x99s country code. All fees are calculated based on the transaction amount after it is\nconverted to U.S. dollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the\nDisclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account. The fee may be\ncharged each year until your account is closed and/or paid in full.\nb. Participation Fee. If your account is subject to a Participation Fee, a fee will be charged when you open an account\nas described on the Disclosure accompanying this Agreement.\nc. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the\nfee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer a\nbalance from an account of another creditor to the account subject to this Agreement.\nd. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee\nwill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial\ninstitution.\nDGAKC2 (MXC502 CCM003)-e\n\n\x0ce. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance\ncharge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.\nf. Transaction Fee for Purchases (Finance Charge). If your account is subject to a Transaction Fee for Purchases\n(finance charge), a fee will be charged to your account for purchases as disclosed on the Disclosure accompanying this\nAgreement.\ng. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\nh. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may\ncharge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing\ncycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent\ncycle or you have reduced the balance below the credit limit as of the end of each bill cycle.\ni. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned for any reason.\nj. Pay-by-Phone Fee. If your account is subject to the Pay-by-Phone Fee, a fee will be charged for each time you make\na payment by telephone as disclosed on the Disclosure accompanying this Agreement.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). For our Platinum MasterCard, the minimum payment is\n3.00% of your total new balance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that\nyou have not made, all outstanding unpaid fees and charges, and any amount you are over your credit limit by the date\nspecified on the statement. For our Secured MasterCard, the minimum payment is 3.00% of your total new balance, or\n$25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all outstanding\nunpaid fees and charges, and any amount you are over your credit limit by the date specified on the statement. The Credit\nUnion also has the right to demand immediate payment of any amount by which you are over your credit limit. In\naccordance with applicable law, the Credit Union may not post payments to your account or reflect them in your available\ncredit limit on the date they are received. The Credit Union may delay replenishing your credit limit until the date the\npayment is posted or the Credit Union confirms the payment has cleared.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date\nthat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the\nperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe.\n\nDGAKC2 (MXC502 CCM003)-e\n\n\x0c12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at FIS, ATTN: Lost/Stolen, 11601 Roosevelt Blvd., St. Petersburg, FL 33716 or telephone\n(800) 325-3678 seven (7) days a week, 24 hours a day or (727) 570-5219 seven (7) days a week, 24 hours a day, of the\nloss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You will\nnot be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. However,\nif you exercise reasonable care in safeguarding your card from risk of loss or theft and, upon discovering the loss or theft\npromptly report the loss or theft to us, you will not be liable for any unauthorized transactions. In any case, your liability will\nnot exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advances, credit or other slips you sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate\naddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.\n\nDGAKC2 (MXC502 CCM003)-e\n\n\x0c23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. INTERNET GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of\nelectronic gambling transaction through the Internet.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n28. 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\nDGAKC2 (MXC502 CCM003)-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- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to\ninvestigate 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 still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at\nthe address listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\nDGAKC2 (MXC502 CCM003)-e\n\n\x0c'


b'VISA CLASSIC PLATINUM\n\xc2\xae\n\nThis Disclosure is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement.\nPlease keep this attached to your LOANLINER Consumer Credit Card Agreement.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nSet-up and Maintenance Fees\n- Annual Fee\n- Account Set-up Fee\n- Program Fee\n- Participation Fee\n- Additional Card Fee\n- Application Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\n14.88%\nF2\n14.88%\nF3\n14.88%\nF4\nNone\nF5\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month. We will begin charging interest on\nbalance transfers and cash advances on the transaction date.\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\nNone\nF6\nNone\nF7\nNone\nF8\nNone\nF9\nNone\nF10\nNone\nF11\n\nNone\nF12\n3.00%\nF13\n1.00%\nF14\nNone\nF15\n\nof the amount of each cash advance\nof each transaction in U.S. dollars\n\n$20.00\nUp to F16\n$25.00\nUp to F17\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\nStatement Copy Fee\nDocument Copy Fee\nRush Fee\nEmergency Card Replacement Fee\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nF18\nor the amount of the required minimum payment, whichever\n$20.00\nis less, if you are five or more days late in making a payment.\nF19\nor the amount of the required minimum payment, whichever\n$25.00\nis less.\nF20\n$5.00\nF21\n$5.00\nF22\n$25.00\nF23\n$165.00\n\n02100681-MXC45-P-1-101315 (MXC453 CCM003)-e\n\nSEE NEXT PAGE for more important information about your account.\n\n\x0cPIN Replacement Fee\nCard Replacement Fee\nExpress Shipping Fee\n\nF24\n$5.00\nF25\n$10.00\nF26\n$25.00\n\nCollection Costs: You promise to pay all costs of collecting the amount you owe under this Agreement to the extent\npermitted by state law.\nPeriodic Rates:\nThe Purchase APR is 14.88%\nF27\nwhich is a daily periodic rate of 0.0413%\nF28\n.\nThe Balance Transfer APR is 14.88%\nF29\nwhich is a daily periodic rate of 0.0413%\nF30\n.\nThe Cash Advance APR is F31\n14.88% which is a daily periodic rate of F32\n0.0413% .\n\n02100681-MXC45-P-1-101315 (MXC453 CCM003)-e\n\n\x0c'


b'VISA PLATINUM PLUS\nF1\nCREDIT CARD ACCOUNT OPENING DISCLOSURE\n\xc2\xae\n\nThis Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement.\n\xc2\xae\nPlease keep this attached to your LOANLINER Consumer Credit Card Agreement.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nSet-up and Maintenance Fees\n- Annual Fee\n- Account Set-up Fee\n- Program Fee\n- Participation Fee\n- Additional Card Fee\n- Application Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\n10.99%\nF2\n10.99%\nF3\n10.99%\nF4\nNone\nF5\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\nNone\nF6\nF7\nNone\nNone\nF8\nNone\nF9\nNone\nF10\nNone\nF11\n\nNone\nF12\n3.00%\nF13\n1.00%\nF14\nNone\nF15\n\nof the amount of each cash advance\nof each transaction in U.S. dollars\n\nUp to $20.00\nF16\nUp to $25.00\nF17\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\nStatement Copy Fee\nDocument Copy Fee\nRush Fee\nEmergency Card Replacement Fee\nPIN Replacement Fee\nCard Replacement Fee\nExpress Shipping Fee\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nor the amount of the required minimum payment, whichever\n$20.00\nF18\nis less, if you are five (5) or more days late in making a payment.\nor the amount of the required minimum payment, whichever\n$25.00\nF19\nis less.\n$5.00\nF20\n$5.00\nF21\n$25.00\nF22\n$165.00\nF23\n$5.00\nF24\n$10.00\nF25\n$25.00\nF26\nDMIGD3 (MXC453 CCM002)-e\n\nSEE BACK OF PAGE for more important information about your account.\n\n\x0cCollection Costs: You promise to pay all costs of collecting the amount you owe under this Agreement to the extent\npermitted by state law.\nPeriodic Rates:\n\n10.99% which is a daily periodic rate of F28\n0.0305% .\nThe Purchase APR is F27\n10.99% which is a daily periodic rate of F30\n0.0305% .\nThe Balance Transfer APR is F29\n10.99% which is a daily periodic rate of F32\n0.0305% .\nThe Cash Advance APR is F31\n\nDMIGD3 (MXC453 CCM002)-e\n\n\x0c'


b'CREDIT LINE ACCOUNT\nAGREEMENT AND DISCLOSURE\nP.O. Box 261420\n9305 West Alameda Avenue\nLakewood, Colorado 80226-9420\n\nTHIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE\nSTATEMENTS, MASTERCARD\xc2\xae SECURED AND MASTERCARD PLATINUM AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS\nREGARDING THE USE OF YOUR MASTERCARD SECURED AND MASTERCARD PLATINUM CREDIT CARDS, AND/OR ANY OTHER\nACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY\nPARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\nMasterCard Secured - __________%\nThis APR will vary with the market based on the Prime Rate.\nMasterCard Platinum - __________%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance\nTransfers\n\nMasterCard Secured - __________% introductory APR until __________________\nAfter that, Your APR will be __________%. This APR will vary with the market based on the\nPrime Rate.\nMasterCard Platinum - __________% introductory APR until __________________\nAfter that, Your APR will be __________%. This APR will vary with the market based on the\nPrime Rate.\n\nAPR for Cash Advances\n\nMasterCard Secured - __________% introductory APR until __________________\nAfter that, Your APR will be __________%. This APR will vary with the market based on the\nPrime Rate.\nMasterCard Platinum - __________% introductory APR until __________________\nAfter that, Your APR will be __________%. This APR will vary with the market based on the\nPrime Rate.\nOverdraft Line of Credit - __________%\n\nPaying Interest\n\nFor MasterCard, Your due date is at least 21 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance owed by the due date\neach month. We will begin charging interest on cash advances and balance transfers on the\ntransaction date.\nFor all other Feature Categories, You will be charged interest from the transaction date.\n\nFor Credit Card Tips from To learn more about factors to consider when applying for or using a Credit Card, visit the\nthe Consumer Financial\nwebsite of the Consumer Financial Protection Bureau at\nProtection Bureau\nhttp://www.consumerfinance.gov/learnmore.\nFees\nTransaction Fees\n\xef\x82\xb7\n\nForeign Transaction\n\nFor MasterCard, 1.00% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\nReturned Payment\nLate Payment\n\nFor MasterCard, up to $9.00\nFor MasterCard, up to $15.00\nExcept MasterCard, $15.00\n\nHow We Will Calculate Your Balance: For MasterCard, We use a method called "average daily balance (including new purchases)."\nFor all other Feature Categories, We use a method called "daily balance." In all cases see Your Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\nCopyright Oak Tree Business Systems, Inc., 2012-2019. All Rights Reserved.\n\nPage 1 of 4\n\nOTBS 016 FRB_Web CUDE (8/19)\nRev. (8/19)\n\n\x0cIn this Agreement, the reference to "We," "Us," "Our" and "Credit Union" mean CREDIT UNION OF DENVER. The words "You" and "Your" mean each person accepting this\nAgreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any MasterCard Secured or MasterCard Platinum Credit\nCard issued to You by Us and any duplicates or renewals.\nYou, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein constitute\nOur Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic requests, advance\nrequest forms, vouchers, checks, charge slips, Check Cards, Credit Cards, wire transfers, direct transfers and/or wire transfers to specific payees identified by You, direct\ntransfers to Your Share/Share Draft or other Credit Union account and the like. Regardless of the means by which any advance is made, You promise to pay Us all amounts\ncharged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for use of Your Account, including Finance Charges\nand other fees or charges described herein.\nFEATURE CATEGORIES. Your Account has Feature Categories which may include Overdraft Line of Credit, MasterCard Secured and MasterCard Platinum.\n\nFeature Category\n\nVariable Rate\nIndex\n\nMonthly\nPeriodic Rate\n\nMargin\n\nOverdraft Line of Credit\n\nDaily\nPeriodic Rate\n\nANNUAL\nPERCENTAGE RATE\n\n___________%\n\n___________%\n\nMasterCard Secured\n\n__________ __________\n\n___________%\n\n___________%\n\nMasterCard Platinum\n\n__________ __________\n\n___________%\n\n___________%\n\nADVANCES. Whenever You request a transaction, We may require You to prove\nYour identity. Advances made on Your Account will be processed according to the\ninstructions You give Us (such as by wire transfer, direct transfer to Your Credit\nUnion account or by other such means) and You authorize Us to do this, or We may\ndraw a draft or check made payable to You and mail it to You. When the amount\nadvanced appears on a subsequent statement, that will be conclusive evidence of\nYour advance request unless You notify Us that You disagree with any such item\nappearing on Your periodic statement according to the provision of this Agreement\ntitled "Your Billing Rights: Keep this Document for Future Use." You understand that\nwhether or not any specific secured advance request is approved may be\ndetermined by how much equity You have or will have in the shares and/or\ncertificates offered as security.\nSECURITY. As permitted by law, to secure all transactions under this Agreement in\neither joint or individual Accounts, We have the right to impress and enforce a\nstatutory lien against Your shares on deposit with Us (other than those deposits\nestablished under a governmental approved tax deferral plan such as an IRA or\nKeogh account), and any dividends due or to become due to You from Us to the\nextent that You owe on any unpaid balance on Your Account and We may enforce\nOur right to do so without further notice to You. Additionally, You agree that We may\nset-off any mutual indebtedness.\nYou acknowledge that You own any certificates, shares and/or Collateral pledged\nas security and that there are no other liens against them other than Ours. You agree\nto perform all acts which are necessary to make Our security interest in the\ncertificates, shares and/or Collateral being pledged enforceable.\nFor advances under any Feature Category that is secured by certificates, all\ncertificates which are pledged as Collateral must be renewed until Your outstanding\nbalance is paid in full. Failure to renew any certificates securing any advance will\ncause Your entire outstanding balance to become immediately due and payable.\nOTHER SECURITY. Collateral (other than household goods or any dwelling) given\nas security under this Agreement or for any other loan You may have with Us will\nsecure all amounts You owe Us now and in the future if that status is reflected in the\n"Truth-In-Lending Disclosure" in any particular Agreement evidencing such debt.\nCONSENSUAL LIEN ON SHARES. If You have been issued a debit Card or\nCredit Card, You grant and consent to a lien on Your shares with Us (except\nfor IRA and Keogh accounts) and any dividends due or to become due to You\nfrom Us to the extent You owe on any unpaid Credit Card balance and/or\nOverdraft Line of Credit balance created through the use of Your debit Card.\nACCOUNT RESTRICTIONS. In order to receive and maintain a MasterCard\nSecured Feature Category, You agree to give Us a specific pledge of shares which\nwill equal Your Credit Limit. In the event that You default on Your MasterCard\nSecured Feature Category, We may apply these shares toward the repayment of\nany amount owed on such Feature Category. You may cancel Your MasterCard\nSecured Feature Category at any time by paying any amounts owed on that Feature\nCategory. To be certain that Your entire balance and all advances are paid, any\nshares pledged may not be available to You for 30 days after You have cancelled\nand any outstanding balance is paid in full.\nCopyright Oak Tree Business Systems, Inc., 2012-2019. All Rights Reserved.\n\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for each\nFeature Category for which You are approved. Unless You are in default, any Credit\nLimits established for You will generally be self-replenishing as You make payments.\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You will\npay any amount over Your Credit Limit on Our demand whether or not We authorize\nthe advances which caused You to exceed Your Credit Limit. Even if Your unpaid\nbalance is less than Your Credit Limit, You will have no credit available during any\ntime that any aspect of Your Account is in default.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the\nrepayment of any amounts owed. If any Account access device, such as a Personal\nIdentification Number (PIN) is requested and approved, You understand that any\nsuch Account access device(s) will be mailed only to the primary Borrower at the\naddress that We have on file for You. We may refuse to follow any instructions which\nrun counter to this provision.\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need\nonly pay the Minimum Monthly Payments, You understand that You have the right\nto repay at any time without penalty. You also understand that You will only be\ncharged periodic Finance Charges to the date You repay Your entire balance. You\nmay make larger payments without penalty. Any partial payment or prepayment will\nnot delay Your next scheduled payment. All payments to Us must be in lawful money\nof the United States. We may apply each payment to whichever Feature Category\nWe wish. For all Feature Categories (except MasterCard), payments will be applied\nfirst to any Late Charges owing, then to the Finance Charge due, then to the\noutstanding principal balance. Except as required by law, We may apply MasterCard\npayments in an order of Our choosing.\nAny unpaid portion of the Finance Charge will be paid by subsequent payments and\nwill not be added to Your principal balance. You understand that any delay in the\nrepayment of Your unpaid balance will increase Your periodic Finance Charges and\nany acceleration in the repayment of Your unpaid balance will decrease Your\nperiodic Finance Charges.\nOverdraft Line of Credit Minimum Monthly Payments will be an amount equal to\n5.00% of Your Credit Limit, subject to the lesser of $25.00 or Your balance.\nMasterCard Secured and MasterCard Platinum Minimum Payments will be an amount\nequal to 2.00% of Your new unpaid MasterCard Secured or MasterCard Platinum\nbalance at the end of each billing cycle, subject to the lesser of $15.00 or Your balance,\nplus any portion of the Minimum Payments shown on prior statement(s) which remains\nunpaid, plus any amount that exceeds Your approved Credit Limit.\nYou may, by separate agreement, authorize Us to charge Your payment directly to\nYour share or share draft account.\nLATE CHARGE (EXCEPT MASTERCARD). If Your payment is more than 10 days\npast due, You will be charged $15.00.\nFINANCE CHARGES (EXCEPT MASTERCARD). A Finance Charge will be\nassessed on any unpaid principal balance for each Feature Category of Your\nAccount for the period such balance is outstanding. Balances change each time\n\nPage 2 of 4\n\nOTBS 016 FRB_Web CUDE (8/19)\nRev. (8/19)\n\n\x0cadvances are made, payments are made or credits given under any Feature\nCategory. The Finance Charge begins to accrue on the date of each advance and\nthere is no grace period.\nHOW TO DETERMINE THE FINANCE CHARGE (EXCEPT MASTERCARD). For\nall Feature Categories (except MasterCard), the Finance Charge is determined by\nmultiplying Your unpaid balance at the close of each day in the billing cycle being\naccounted for by the applicable Daily Periodic Rate. The unpaid balance is the\nbalance each day after payments, credits, and unpaid Finance Charges to that\nbalance have been subtracted and any new advances, insurance premiums or other\ncharges have been added to Your unpaid balance. These daily Finance Charges\nare then added together and the sum is the amount of the Finance Charge owed for\nthe Feature Category being accounted for. The total Finance Charge You owe on\nYour Account for each billing cycle is the sum of all the Finance Charges due for all\napplicable Feature Categories.\nMASTERCARD FINANCE CHARGES. In the case of any transactions under Your\nMasterCard Secured and MasterCard Platinum Feature Categories, the balances\nsubject to the periodic Finance Charge are the average daily transactions balances\noutstanding during the month (including new transactions). To get the average daily\nbalance, We take the beginning balance of Your Account each day, add any new\npurchases, cash advances, balance transfers, insurance premiums, debit\nadjustments or other charges and subtract any payments, credits and unpaid\nFinance Charges. This gives Us the daily balance. Then, We add up all the daily\nbalances for the billing cycle and divide them by the number of days in the billing\ncycle. The Finance Charge for a billing cycle is computed by multiplying the average\ndaily balance subject to a Finance Charge by the Monthly Periodic Rate.\nYour due date is at least 21 days after the close of each billing cycle. You can avoid\nFinance Charges on purchases by paying the entire balance owed by the due date\neach month. Otherwise, the new balance of purchases, and subsequent purchases\nfrom the date they are posted to Your Account, will be subject to a Finance Charge.\nCash advances and balance transfers are always subject to a Finance Charge from\nthe later of the date they are posted to Your Account or from the first day of the billing\ncycle in which such transaction is posted to Your Account.\nFor MasterCard Secured balance transfer and cash advance transactions that occur\nduring the period of _______________ through _______________, such\ntransactions will accrue finance charges at an introductory Monthly Periodic Rate of\n__________% (corresponding to an ANNUAL PERCENTAGE RATE of\n_____________%) until _______________________. Balance transfer and cash\nadvance transactions that occur after ___________________will be subject to the\nnon-introductory variable rate described elsewhere in this Agreement.\nFor MasterCard Platinum balance transfer and cash advance transactions that occur\nduring the period of _______________through ______________, such transactions\nwill accrue finance charges at an introductory Monthly Periodic Rate of _________%\n(corresponding to an ANNUAL PERCENTAGE RATE of __________%) until\n__________________________. Balance transfer and cash advance transactions\nthat occur after ____________________ will be subject to the non-introductory\nvariable rate described elsewhere in this Agreement.\nMASTERCARD VARIABLE RATE. MasterCard advances (other than balance\ntransfer and cash advance transactions made during the introductory rate period)\nare subject to a Variable Rate which is based on the highest Prime Rate as published\nin the Money Rates Section of The Wall Street Journal in effect on the last day of\nMay and November of each year ("Index") plus Our Margin. The Index plus the\nMargin equals the Interest Rate. Changes in the Index will cause changes in the\nInterest Rate on the 1st day of the billing cycle in January and July of each year.\nIncreases or decreases in the Interest Rate will cause like increases or decreases\nin the Finance Charge and will affect the number of Your regularly scheduled\npayments. Your Interest Rate will never be greater than 20.99% and will apply to\nYour remaining principal balance.\nOVERDRAFT PROTECTION. We may transfer funds in multiples of $100.00 (or in\nsuch increments as We may from time to time determine) to Your share draft account\nby an advance on Your Overdraft Line of Credit Feature Category, subject to this\nprovision, to clear any overdraft on Your share draft account. Whether or not such\ntransfers occur will be controlled by this Agreement. In any event, You hold Us\nharmless for any and all liability which might otherwise arise if the transfer does not\noccur. Overdraft protection automatically ceases if this Agreement is ever cancelled\nor terminated or Your Account is in default.\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement\nshowing all transactions on Your Account including amounts paid and borrowed\nsince Your last statement. We will mail You a statement each month in which there\nis a debit or credit balance or when a Finance Charge is imposed. We need not send\nYou a statement if We feel Your Account is uncollectible or if We have started\nCopyright Oak Tree Business Systems, Inc., 2012-2019. All Rights Reserved.\n\ncollection proceedings against You because You defaulted. EACH STATEMENT IS\nDEEMED TO BE A CORRECT STATEMENT OF ACCOUNT UNLESS YOU\nESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL TRUTH-INLENDING ACT.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform\nany obligation under this Agreement, or any other agreement that You may have\nwith Us; or (b) You should die, become involved in any insolvency, receivership or\ncustodial proceeding brought by or against You; or (c) You have made a false or\nmisleading statement in Your credit application and/or in Your representations to Us\nwhile You owe money on Your Account; or (d) A judgment or tax lien should be filed\nagainst You or any attachment or garnishment should be issued against any of Your\nproperty or rights, specifically including anyone starting an action or proceeding to\nseize any of Your funds on deposit with Us; and/or (e) We should, in good faith,\nbelieve Your ability to repay Your indebtedness hereunder is or soon will be\nimpaired, time being of the very essence.\nUpon any occurrence of default, We may, to the extent permitted by law, cancel\nYour rights under this Agreement, require the return of all access devices and\ndeclare the entire balance of every Feature Category of Your Account immediately\ndue and payable, without prior notice or demand.\nCOLLECTION COSTS. In the event collection efforts are required to obtain payment\non this Account, to the extent permitted by law, You agree to pay all court costs,\nprivate process server fees, investigation fees or other costs incurred in collection\nand reasonable attorneys\' fees incurred in the course of collecting any amounts\nowed under this Agreement or in the recovery of any Collateral.\nENFORCEMENT. We do not lose Our rights under this or any related agreement\nif We delay enforcing them. We can accept late payments, partial payments or\nany other payments, even if they are marked "paid in full" without losing any of\nOur rights under this Agreement. If any provision of this or any related agreement\nis determined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move\nor otherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\ndelivering to You written notice of the changes as prescribed by the Federal TruthIn-Lending Act. To the extent permitted by law, the right to change the terms of this\nAgreement includes, but is not limited to, the right to change the periodic rate\napplicable to Your unpaid balance and/or future advances.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit\nunder this Agreement. However, You may purchase any credit insurance available\nthrough Us and have the premiums added to Your outstanding balance. If You elect\nto do so, You will be given the necessary disclosures and documents separately.\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled\n"Additional Disclosure - Federal Truth-In-Lending Act," and/or "Credit Line\nAccount Advance Request and Security Agreement" which is delivered together\nwith this Agreement or at a later date becomes an integrated part of this\nAgreement and Disclosure.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this\nAgreement. By signing the application; or by using Your Account or any Account\naccess device; or by authorizing another to use Your Account, You agree to and\naccept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts\nto update information contained in Your original Account application or other\nfinancial information related to You, at Our request. You also agree that We may,\nfrom time to time, as We deem necessary, make inquiries pertaining to Your\nemployment, credit standing and financial responsibility in accordance with\napplicable laws and regulations. You further agree that We may give information\nabout the status and payment history of Your Account to consumer credit reporting\nagencies, a prospective employer or insurer, or a state or federal licensing agency\nhaving any apparent legitimate business need for such information.\nTERMINATION. Either You or We may cancel Your Account or any particular\nFeature Category of Your Account, at any time, whether or not You are in default.\nYou will, in any case, remain liable to pay any unpaid balances according to the\nterms of Your Account.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nState of Colorado except to the extent that such laws are inconsistent with controlling\nfederal law.\n\nPage 3 of 4\n\nOTBS 016 Promo FRB_Web CUDE (8/19)\nRev. (8/19)\n\n\x0cSPECIFIC TERMS APPLICABLE TO YOUR MASTERCARD\nSECURED AND MASTERCARD PLATINUM CREDIT CARDS\n\nWhat To Do If You Find A Mistake On Your Statement\n\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any\nplace that it is honored and to get cash advances at participating financial\ninstitutions. You agree not to use Your Card for illegal transactions including, but not\nlimited to, advances made for the purpose of gambling and/or wagering where such\npractices are in violation of applicable state and/or federal law.\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at any\ntime without notice. You agree to surrender Your Card and to discontinue its use\nimmediately upon Our request.\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon\nYour request, a Personal Identification Number (PIN) for use with participating\nAutomated Teller Machines (ATMs). This PIN is confidential and should not be\ndisclosed to anyone. You may use Your PIN to access Your Account and all sums\nadvanced will be added to Your Account balance. In the event a use of Your PIN\nconstitutes an Electronic Fund Transfer, the terms and conditions of Your Electronic\nFund Transfer Agreement may also affect Your rights.\n\nIf You think there is an error on Your statement, write to Us at Our address shown in\nthis Agreement. In Your letter, give Us the following information:\n\xef\x82\xb7 Account information: Your name and Account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7 Description of problem: If You think there is an error on Your bill, describe what\nYou believe is wrong and why You believe it is a mistake.\nYou must contact Us:\n\xef\x82\xb7 Within 60 days after the error appeared on Your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is scheduled, if You want\nto 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 do\nWe are not required to investigate any potential errors and You may have to pay the\namount in question.\nWhat Will Happen After We Receive Your Letter\n\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other\nslips You may sign or receive when using Your Card contain terms, this Agreement\nis the contract which solely applies to all transactions involving the Card.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.\nYou will not be liable for the unauthorized use that occurs after You notify Us of the\nloss, theft, or possible unauthorized use by calling Us at (866) 820-5890 or by writing\nto Us at the address shown in this Agreement. In any case, Your liability will not\nexceed $50.00.\nREFUSAL TO HONOR CARDS. We are not liable for the refusal or inability of\nmerchants, financial institutions and others to accept the Cards, or electronic\nterminals to honor the Cards or complete a Card withdrawal, or for their retention of\nthe Cards.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign currencies, the\nexchange rate between the transaction currency and the billing currency (U.S.\ndollars) will be: (a) a rate selected by MasterCard from the range of rates available\nin wholesale currency markets for the applicable central processing date, which\nrate may vary from the rate MasterCard itself receives; or (b) the governmentmandated rate in effect for the applicable central processing date. For all\ntransactions initiated in foreign countries, You will be charged 1.00% calculated\non the final settlement amount.\nTRANSACTION SLIPS. Your monthly statement will identify that merchant,\nelectronic terminal or financial institution at which transactions were made, but sales,\ncash advances, credit or other slips cannot be returned with the statement.\nLATE CHARGE. If Your payment is more than 10 days past due, You will\nbe charged the lesser of: (a) the amount of the minimum payment due; or\n(b) $15.00.\nOTHER FEES AND CHARGES. You will be charged the following fees associated\nwith the use of Your Card: (a) the lesser of $9.00 or the required minimum payment\namount for the returned payment for any check (or other negotiable instrument used\nfor payment) which is returned unpaid; (b) $5.00 for each replacement PIN You\nrequest; (c) $10.00 for each replacement Card You request; (d) $45.00 each time\nthat You request expedited delivery of Your Card; (e) $85.00 each time that You\nrequest expedited (24-hour) delivery of a replacement Card; (f) $5.00 each time You\nrequest a copy of a billing statement or sales draft; and (g) $25.00 per hour each\ntime You request that We research Your Account.\nLOST CARDS. To report lost or stolen Credit Card Checks, You will immediately\ncall Us at (800) 449-7728 or write to Us at the address shown in this Agreement.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a slip which will be posted to Your\nAccount. If Your credits and payments exceed what You owe Us, We will hold and\napply this credit against future purchases and cash advances, or if it is $1.00 or more\nrefund it on Your written request or automatically deposit it to Your share account\nafter six months.\n\n1) Within 30 days of receiving Your letter, We must tell You that We received Your\nletter. We will also tell You if We have already corrected the error.\n\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\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nWe cannot try to collect the amount in question, or report You as delinquent on\nthat amount.\nThe charge in question may remain on Your statement, and We may continue\nto charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible for\nthe remainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\n\nAfter We finish Our investigation, one of two things will happen:\n\xef\x82\xb7\n\xef\x82\xb7\n\nIf We made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send You a statement\nof the amount You owe and the date payment is due. We may then report You\nas delinquent if You do not pay the amount We think You owe.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must write to\nUs within 10 days telling Us that You still refuse to pay. If You do so, We cannot\nreport You as delinquent without also reporting that You are questioning Your bill.\nWe must tell You the name of anyone to whom We reported You as delinquent, and\nWe must let those organizations know when the matter has been settled between\nUs. If We do not follow all of the rules above, You do not have to pay the first $50.00\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 Your\nCredit Card, and You have tried in good faith to correct the problem with the\nmerchant, You may have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n1) The purchase must have been made in Your home state or within 100 miles of\nYour current mailing address, and the purchase price must have been more than\n$50.00. (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\nthe goods or services.)\n2) You must have used Your Credit Card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses Your Credit Card\naccount 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,\ncontact Us in writing at Our address shown in this Agreement.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair\nCredit Billing Act.\n\nCopyright Oak Tree Business Systems, Inc., 2012-2019. All Rights Reserved.\n\nWhile We investigate, the same rules apply to the disputed amount as discussed\nabove. After We finish Our investigation, We will tell You Our decision. At that point, if\nWe think You owe an amount and You do not pay, We may report You as delinquent.\n\nPage 4 of 4\n\nOTBS 016 Promo FRB_Web CUDE (8/19)\nRev. (8/19)\n\n\x0cPRICING INFORMATION ADDENDUM CREDIT\nLINE ACCOUNT AGREEMENT AND DISCLOSURE\nP.O. Box 261420\n9305 West Alameda Avenue\nLakewood, Colorado 80226-9420\n\nTHIS IS YOUR ADDENDUM THAT CONTAINS PRICING INFORMATION FOR YOUR MASTERCARD SECURED AND\nMASTERCARD PLATINUM CREDIT CARDS. PLEASE BE CERTAIN TO READ THIS ADDENDUM CAREFULLY AND NOTIFY\nUS AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\nMasterCard Secured - 16.24%\nThis APR will vary with the market based on the Prime Rate.\nMasterCard Platinum \xe2\x80\x93 9.24%-16.24% based on Your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance\nTransfers\n\nMasterCard Secured - __________% introductory APR until ________________\nAfter that, Your APR will be 16.24%. This APR will vary with the market based on the\nPrime Rate.\nMasterCard Platinum - 5.99% introductory APR until ________________\nAfter that, Your APR will be 9.24%-16.24% based on Your creditworthiness. This APR will vary\nwith the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nMasterCard Secured - __________% introductory APR until ________________\nAfter that, Your APR will be 16.24%. This APR will vary with the market based on the\nPrime Rate.\nMasterCard Platinum - 5.99% introductory APR until ________________\nAfter that, Your APR will be 9.24%-16.24% based on Your creditworthiness. This APR will vary\nwith the market based on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 21 days after the close of each billing cycle. We will not charge You\nany interest on purchases if You pay Your entire balance owed by the due date each month.\nWe will begin charging interest on cash advances and balance transfers on the transaction date.\n\nFees\nTransaction Fees\n\xef\x82\xb7\n\nForeign Transaction\n\n1.00% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\nReturned Payment\nLate Payment\n\nUp to $9.00\nUp to $15.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your\nAccount Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\n\nCopyright Oak Tree Business Systems, Inc., 2012-2019. All Rights Reserved.\n\nPage 1 of 2\n\nOTBS 016A Promo FRB_Web CUDE (8/19)\nRev. (8/19)\n\n\x0cMASTERCARD FINANCE CHARGES. In the case of any transactions under Your MasterCard Secured and MasterCard Platinum Feature Categories, the balances subject\nto the periodic Finance Charge are the average daily transactions balances outstanding during the month (including new transactions). To get the average daily balance, We\ntake the beginning balance of Your Account each day, add any new purchases, cash advances, balance transfers, insurance premiums, debit adjustments or other charges\nand subtract any payments, credits and unpaid Finance Charges. This gives Us the daily balance. Then, We add up all the daily balances for the billing cycle and divide them\nby the number of days in the billing cycle. The Finance Charge for a billing cycle is computed by multiplying the average daily balance subject to a Finance Charge by the\nMonthly Periodic Rate.\nYour due date is at least 21 days after the close of each billing cycle. You can avoid Finance Charges on purchases by paying the entire balance owed by the due date each\nmonth. Otherwise, the new balance of purchases, and subsequent purchases from the date they are posted to Your Account, will be subject to a Finance Charge. Cash\nadvances and balance transfers are always subject to a Finance Charge from the later of the date they are posted to Your Account or from the first day of the billing cycle in\nwhich such transaction is posted to Your Account.\nFor MasterCard Secured, Your balance for purchases will be subject to a variable Monthly Periodic Rate of 1.3533% (corresponding ANNUAL PERCENTAGE RATE 16.24%).\nFor balance transfer and cash advance transactions that occur during the period of ______________ through ______________, such transactions will accrue finance charges\nat an introductory Monthly Periodic Rate of _____________% (corresponding to an ANNUAL PERCENTAGE RATE of ____________%) until ________________________.\nBalance transfer and cash advance transactions that occur after _________________________ will be subject to a non-introductory variable Monthly Periodic Rate of\n1.3533% (corresponding ANNUAL PERCENTAGE RATE 16.24%).\nFor MasterCard Platinum, Your balance for purchases will be subject to a variable Monthly Periodic Rate of 0.7700% - 1.3533% (corresponding ANNUAL PERCENTAGE\nRATE 9.24% - 16.24%), depending on Your creditworthiness. For balance transfer and cash advance transactions that occur during the period of ______________ through\n______________, such transactions will accrue finance charges at an introductory Monthly Periodic Rate of 0.4992% (corresponding to an ANNUAL PERCENTAGE RATE\nof 5.99%) until ________________________. Balance transfer and cash advance transactions that occur after __________________________ will be subject to a nonintroductory variable Monthly Periodic Rate of 0.7700% - 1.3533% (corresponding ANNUAL PERCENTAGE RATE 9.24% - 16.24%), depending on Your creditworthiness.\nMASTERCARD VARIABLE RATE. MasterCard advances (other than balance transfer and cash advance transactions made during the introductory rate period) are subject\nto a Variable Rate which is based on the highest Prime Rate as published in the Money Rates Section of The Wall Street Journal in effect on the last day of May and November\nof each year ("Index") plus Our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index will cause changes in the Interest Rate on the 1st day of\nthe billing cycle in January and July of each year. Increases or decreases in the Interest Rate will cause like increases or decreases in the Finance Charge and will affect the\nnumber of Your regularly scheduled payments. Your Interest Rate will never be greater than 20.99% and will apply to Your remaining principal balance.\nFor MasterCard Secured, Your Margin will be 10.99%.\nFor MasterCard Platinum, Your Margin will be determined by Your creditworthiness and will be 3.99% - 10.99%.\n\nCopyright Oak Tree Business Systems, Inc., 2012-2019. All Rights Reserved.\n\nPage 2 of 2\n\nOTBS 016A Promo FRB_Web CUDE (8/19)\nRev. (8/19)\n\n\x0c'