b'DISCLOSURE STATEMENT AND AGREEMENT\n\xc2\xae\n\xc2\xae\n\xc2\xae\nFOR VISA PLATINUM PREMIER, VISA PLATINUM BASIC, VISA SIGNATURE AND VISA PLATINUM SECURED\n\xc2\xae\n\nIn this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and all of those who apply for the card and accept this Agreement. \xe2\x80\x9cCard\xe2\x80\x9d means the VISA\nCredit Card and any duplicates and renewals we issue to access the VISA Line of Credit account with us. The word \xe2\x80\x9cPIN\xe2\x80\x9d means Personal Identification\nNumber issued by us for use to access the VISA Line of Credit \xe2\x80\x9cAccount\xe2\x80\x9d with us. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cANDREWS FEDERAL\xe2\x80\x9d mean Andrews Federal\nCredit Union. \xe2\x80\x9cVISA Check\xe2\x80\x9d means the VISA checks we issue to access the VISA Line of Credit account with us.\n1. ACCEPTANCE OF CARDHOLDER AGREEMENT AND USE OF CARD AND VISA CHECKS. When you accept or use our Card or VISA Checks, or if\nyou use a Card or VISA Check issued under an Account we hold, you agree to the terms in this Agreement. You must sign your Card before you can\nuse it. All Cards issued to you remain our property and must be returned to us upon request. You may use your Card to purchase or lease goods or to\npurchase services (\xe2\x80\x9cPurchases\xe2\x80\x9d) from a participating VISA plan merchant. You may also obtain loans (\xe2\x80\x9cCash Advances\xe2\x80\x9d) from us or any financial\ninstitution that accepts the Card. To make a Purchase or obtain a Cash Advance, you may use any of the following procedures. First, you may present\nthe Card to a participating VISA plan merchant, to us, or to another financial institution, and sign the sales or Cash Advance draft which will be imprinted\nwith your Card or part or all of your Card number. As an alternative, you may complete the transaction by using your Personal Identification Number\n(PIN) when required in conjunction with the Card in an Automated Teller Machine or other type of electronic terminal that provides access to the VISA\nsystem. You may transfer balances from other creditors by contacting us. You also may use VISA Checks that we may issue to you. You may use the\nVISA Checks to obtain a Cash Advance or make Purchases up to your available Credit Line. VISA Checks may be used like any other check; however,\nyou agree not to make any payment on your Account with a VISA Check. All VISA Checks will be treated as Cash Advances for the purpose of\ncomputing FINANCE CHARGES.\nYour Account may be used for lawful transactions only. You agree that use of your Card and/or VISA Checks for illegal transactions (including,\nbut not limited to, unlawful gambling) will be deemed a default and/or breach of this Agreement and may result in the termination of your Account and\nother actions stated in the \xe2\x80\x9cDefault\xe2\x80\x9d provisions of this Agreement.\nIf you use your Account for illegal transactions, you waive any right to sue ANDREWS FEDERAL for such illegal transactions or any activity\ndirectly or indirectly related to it. Additionally, you agree to indemnify and hold us harmless from any suits or other legal action or liability, directly or\nindirectly, relating from such illegal transactions.\n2. RESPONSIBILITY. You promise to pay us the total amount of each Purchase and Cash Advance resulting from the use of the Card, VISA Checks, or\nyour Account, plus any finance charge and other charges due under the terms of this Agreement. All payments must be made in U.S. Dollars and\ndelivered or mailed to us at the address shown on your periodic statement. For example, you are responsible for charges made by yourself, as well as\ncharges made by joint users. You are also responsible for charges made by anyone else to whom you give the Card and/or VISA Check, and this\nresponsibility continues until you recover the Card and/or VISA Check and all charges are paid. Your obligations to pay the Account balance continue\neven though an agreement, divorce decree, or other court judgment to which we are not a party, may direct a joint user or any other person responsible\nunder this Agreement to pay the Account. Any person using the Card and/or VISA Check is jointly and severally responsible with you for charges he or\nshe makes, but if that person signs a Card he or she becomes a party to this Agreement and is also jointly and severally responsible for all charges on\nthe Account, including yours.\n3. LIABILITY FOR UNAUTHORIZED USE. As provided from time to time in VISA\xe2\x80\x99s Operation Regulations, when a transaction is processed through the\nVISA network, you will not be liable for unauthorized use of your Card or VISA checks unless you were grossly negligent in the handling of your Account\nor Card. You may be liable for unauthorized use of your Card or VISA Checks when the transaction is not processed through the VISA network, like at\nATMs or other non-VISA branded transactions when a PIN is required and in all cases when you were grossly negligent in the handling of your Account\nor Card but in any event, your liability will not exceed $50.00. Also, you will not be liable for unauthorized use of your Card or VISA Checks that occurs\nafter you notify us by telephone or in writing as indicated below. In all cases, immediately upon learning of the loss, theft or possible unauthorized use of\nyour Card and/or VISA Checks, you agree to notify us by calling 1-800-449-7728 during regular business hours, weekends, holidays, or after Credit\nUnion hours; or by writing to: Andrews Federal Credit Union, 5711 Allentown Road, Suitland, Maryland 20746 (Attention: Operations Department). You\nagree to give us your complete cooperation in our efforts to recover any stolen Card and/or VISA Check and amounts due from unauthorized users and\nto have unauthorized users prosecuted.\n4. CREDIT LINE. Upon approval of your application, a self-replenishing Line of Credit will be established for you up to the enclosed credit limit. You\nagree not to let the Account balance exceed this approved Credit Line. Each payment you make on the Account will restore your Credit Line by the\namount of the payment which is applied to the principal. You may request an increase in your Credit Line by application to us, which must be approved\nby us. By giving you written notice, we may reduce your Credit Line from time to time. We can honor Purchases or Cash Advances in excess of your\napproved Credit Line at any time, but the decision is up to us. If we do so, this Agreement will cover those Purchases and Cash Advances and you\nagree to pay us the amount in excess of your approved Credit Line immediately. If you write a VISA Check that would exceed your approved Credit Line,\nwe either may return the check to the payee without payment or honor the check and demand payment from you of the excess amount. When\ndemanded, you immediately will repay the excess amount. You agree that we are not liable to you for any VISA Check returned.\n5. CLOSING YOUR ACCOUNT. You may close your Account any time in person, by telephone or by notifying us in writing. Notice by any one of you is\neffective to close your Account for all of you. If you close your Account, you will still be required to pay any amounts you owe us, including Purchases,\nother charges, and Cash Advances that have not been billed to you yet. If someone else is authorized to use your Account and you want to end that\nperson\xe2\x80\x99s privilege, you must let us know in writing and we have a reasonable opportunity to act on that notice before transactions by that person shall be\ndeemed \xe2\x80\x9cunauthorized.\xe2\x80\x9d If he or she has a Card or VISA Check, you must return the Card and VISA Checks with your written notice. If you are unable to\nreturn that person\xe2\x80\x99s Card and VISA Checks, we will close the Account and both you and the authorized user of your Account may apply for a new\nAccount. If we close the Account, you and the authorized user will still be liable, individually and together, for all amounts charged to your Account.\nExcept where specific notice is required by law, we can cancel your Account any time by telephone or by writing to you at the address shown\non our billing records. You will still be required to pay any amounts you owe us, including Purchases, other charges, and Cas h Advances that have not\nbeen billed to you yet. You are also required to return all Cards and VISA Checks to us.\n6. CREDIT INFORMATION. You authorize us to investigate your credit starting when opening, renewing, or reviewing your Account, and you authorize\nus to disclose information regarding your Account to credit bureaus and other creditors who inquire of us about your credit standing to the extent\n\n\x0cauthorized in our bylaws or by federal or state law. You will furnish us promptly on request from time to time updated information regarding your financial\ncondition.\n7. MONTHLY PAYMENT. We will mail you a statement every month showing your Minimum Payment required. Every month you must pay at least the\nMinimum Payment within 25 days of your statement closing date. You may of course, pay more frequently, pay more than the Minimum Payment, or pay\nthe Total New Balance in full, and you will reduce or eliminate the FINANCE CHARGE by doing so. On a Visa Platinum Premier and Visa Signature\nCard, the Minimum Payment will be either (a) 2% of your Total New Balance, or $15.00, whichever is greater, or (b) your Total New Balance, if it is less\nthan $15.00. On a Visa Platinum Basic or Visa Platinum Secured card, the Minimum Payment will be either (a) 3% of your Total New Balance, or\n$15.00, whichever is greater, or (b) your Total New Balance if it is less than $15.00. The Minimum Payment will be rounded off to the next whole dollar.\nPayments made to your Account will be applied in the following order: Payments in excess of the Minimum Payment Due will be applied in\naccordance with the law and payments equal to or less than the Minimum Payment Due will be applied at our discretion. All communications to\nANDREWS FEDERAL concerning disputed debts, including a check or other instrument sent by you in full satisfaction of your indebtedness, must be\nsent to: Andrews Federal Credit Union, 5711 Allentown Road, Suitland, Maryland 20746 (Attention: Operations Department). For ACH (automatic\nclearing house) payment in full, the payoff balance is calculated on the previous month\xe2\x80\x99s ending balance less current cycle payments.\n8. FINANCE CHARGES ON PURCHASES. No FINANCE CHARGE will be charged on Purchases if you pay the entire New Balance of Purchases each\nmonth within 25 days of your statement closing date. Otherwise, the amount of any Purchase will bear FINANCE CHARGES from the date it is posted to\nyour Account.\nOn each billing date, we figure the FINANCE CHARGE on your Purchases by applying the \xe2\x80\x9cCurrent Monthly Periodic Rate\xe2\x80\x9d to the \xe2\x80\x9cAverage\nDaily Purchases Balance.\xe2\x80\x9d To get the Average Daily Purchases Balance we take the beginning Purchases Balance each day, subtract any payments or\ncredits, and add new Purchases and other charges provided for in this Agreement. We do not include unpaid FINANCE CHARGES. This gives us the\n\xe2\x80\x9cDaily Purchases Balance.\xe2\x80\x9d Then, we add all the Daily Purchases Balances for the billing cycle together and divide the total by the number of days in the\nbilling cycle. This gives us the Average Daily Purchases Balance.\n9. FINANCE CHARGES ON CASH ADVANCES. On each billing date, we figure the FINANCE CHARGE on your Cash Advances by applying the\nCurrent Monthly Periodic Rate to the \xe2\x80\x9cAverage Daily Cash Advance Balance.\xe2\x80\x9d A Cash Advance will bear FINANCE CHARGES from the transaction date.\nTo get the Average Daily Cash Advance Balance, we take the beginning Cash Advance Balance each day, add new advances and subtract any\npayments or credits. We do not include unpaid FINANCE CHARGES. This gives us the Daily Cash Advance Balance. Then, we add together all the\nDaily Cash Advance Balances for the billing cycle and divide the total by the number of days in the billing cycle. This gives us the Average Daily Cash\nAdvance Balance.\n10. FINANCE CHARGES. On Visa Platinum Premier, Visa Signature or Basic, the ANNUAL PERCENTAGE RATE (APR) will increase or decrease as\nthe Prime Rate (as defined below) in effect on the 1st of December each year (the Index) increases or decreases. Any increase or decrease in the\nIndex and resulting change to your ANNUAL PERCENTAGE RATE will be effective as of the 1st day of your next billing cycle and will apply: (a) to all\nPurchases, Balance Transfers and Cash Advances made on or after the effective date and (b) to any prior account balance outstanding as of the\neffective date. In this way, the ANNUAL PERCENTAGE RATE will not increase more than once a year. The ANNUAL PERCENTAGE RATE (the\nstandard rate) for purchases, balance transfers and cash advances are shown on the enclosed Credit and Fee Disclosure that is part of this Agreement.\nFor Visa Platinum Premier, this standard rate is determined by adding a margin of 4.74%, 8.74% or 11.74% to the Index. For Visa Signature, this\nstandard rate is determined by adding a margin of 2.74% to the Index. For Visa Platinum Basic, this standard rate is determined by adding a margin of\n18.0% to the Index. The rate on the account will not exceed 18.0% APR. Each increase and decrease may have the effect of increasing or decreasing\nyour Minimum Payment.\nOn Visa Platinum Secured, the ANNUAL PERCENTAGE RATE will increase or decrease as the Prime Rate (as defined below) in effect on the\n15th of December, March, June and September each year (the Index) increases or decreases. Any increase or decrease in the Index and resulting\nchange to your ANNUAL PERCENTAGE RATE will be effective as of the 1st day of your new billing cycle in the month immediately following a change\nin the Index (that is, as of the 1st day of your new billing cycle that begins in January, April, July and October (called, respectively the \xe2\x80\x9cEffective Date\xe2\x80\x9d))\nand will apply: (a) to all Purchases, Balance Transfers and Cash Advances made on or after the effective date and (b) to any prior account balance\noutstanding as of the effective date. In this way, the ANNUAL PERCENTAGE RATE will not increase more than four times a year. The ANNUAL\nPERCENTAGE RATE (the standard rate) for purchases, balance transfers and cash advances are shown on the enclosed Credit and Fee Disclosure\nthat is part of this Agreement. For Visa Platinum Secured this standard rate is determined by adding a margin of 11.25% to the Index. The rate on the\naccount will not exceed 18.0% APR. Each increase and decrease may have the effect of increasing or decreasing your Minimum Payment.\nAs used in this Agreement, the \xe2\x80\x9cPrime Rate\xe2\x80\x9d in effect on any day is the per annum rate reported at large U.S. money center commercial banks\nin The Wall Street Journal in its Money Rates section, a compilation of key United States and foreign annual interest rates. If more than one Prime Rate\nis reported, the highest rate reported shall be the Prime Rate. If no Prime Rate is reported on such day, the Prime Rate is the per annum rate next\nreported after such day as the Prime Rate at large U.S. money center commercial banks in The Wall Street Journal\xe2\x80\x99s Money Rates section. The Index is\navailable to you and verifiable by you at any of our offices. If the Index becomes unavailable, we may, at our option, choose another Index, made readily\navailable to and verifiable by you and beyond our control, and change the Margin used. If this happens, the substitute Index will, for the purposes of this\nAgreement, be considered to be the \xe2\x80\x9cIndex\xe2\x80\x9d. FINANCE CHARGES shall continue to accrue at the foregoing rates until you pay your Account as\ndescribed above or we get a judgment against you and are required by law to charge a lower rate.\n11. FEES. You agree to pay certain fees in connection with your Account as shown on the enclosed Credit and Fee Disclosure that is part of this\nAgreement. These fees may be added to your Account as a Purchase when they are imposed.\n12. DEFAULT. In addition to other events of default stated in the Agreement, you will be in default of this Agreement if (i) you do not make any required\npayment by the date it is due, or if you fail to comply with or perform any of the terms, conditions, or provisions of this Agreement; (ii) you begin, or any\nother person puts you in, a bankruptcy, insolvency, or receivership proceeding; (iii) you have furnished to us any credit information that is materially\nincorrect in any respect; (iv) you attempt to make Purchases or Cash Advances in excess of your credit limit without our permission; (v) become\nincompetent or die; or (vi) if you fail to perform on any other agreements with us. We have the right to demand immediate payment of your full Account\nbalance if you default, subject to our giving you any notice required by law. Unless prohibited by law, you will also be required to pay our collection\nexpenses, including court costs and reasonable attorney\xe2\x80\x99s fees. Our failure to exercise any of our rights when you default does not mean that we are\nunable to use those rights later with regard to that or another default. We can accept late payments or partial payments without losing any of our rights\nunder this Agreement.\n\n\x0c13. NOTICES. Notice sent to any one of you will be considered notice to all. Any notices we give you shall be in writing and deemed given when\ndeposited in the U.S. mail, with postage prepaid and addressed to you at your last known address in our records for your Account or when sent by email (if you use our Internet banking services) to your last known internet address. Your notices to us must be in writing and sent to the address shown\nin your most recent billing statement or as otherwise specified in this Agreement. If a specific notice period or type of notice is required by applicable law,\nthe notice will be made and will be binding in accordance with such law.\n14. FOREIGN TRANSACTIONS. Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S. dollars.\nThe exchange rate for transactions in a foreign currency will be a rate selected by VISA from the range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the rate VISA itself receives, or the government mandated rate in effect for the\napplicable central processing date, in either case, plus 1% of the amount of the foreign currency purchase or cash advance after its conversion into U.S.\ndollars. The exchange rate in effect on the central processing date may differ from the rate in effect on either the transaction date or the posting date.\nThe exchange rate is subject to change by VISA.\n15. TELEPHONE MONITORING. To ensure that you received accurate and courteous customer service, on occasion, your call may be monitored by\nour employees or agents and you agree to any such monitoring.\n16. PLAN MERCHANT DISPUTES. We are not liable for the refusal of any plan merchant or financial institution to honor your Card and/or VISA Check.\n17. SECURITY. Pursuant to the Credit Card Application, you grant Andrews Federal Credit Union (\xe2\x80\x9cAndrews FCU\xe2\x80\x9d), on any credit extended or cash\nadvanced under this credit card account, a security interest in any and all of your Andrews FCU share accounts, deposits, and payments (collectively\nreferred to as \xe2\x80\x9cSHARE ACCOUNTS\xe2\x80\x9d), whether held jointly or individually, up to the amount of your outstanding credit card account balance. Further, you\ngive express consent to enable Andrews FCU to include any otherwise statutorily protected funds that may not otherwise be available by legal process,\nto liquidate any Andrews FCU indebtedness, owed by you or any person who is listed as a joint owner on your credit card accounts with Andrews FCU,\nincluding a deceased joint owner. Andrews FCU may take such action without further notice to you or any joint owner. In regard to those funds that have\na statutory protection you understand that you may withdraw your express consent for Andrews FCU to apply such funds to pay any such indebtedness\nby notifying Andrews FCU in writing. If your consent is withdrawn, Andrews FCU may in its sole discretion terminate any and all services that you have\nwith Andrews FCU. In addition, the conditions of the Credit Card Application are incorporated into the terms of this Agreement.\n18. BILLING ADDRESS. If your Account is a joint account or if more than one person is permitted to use the Account, you agree that all notices\nregarding the Account may be sent solely to the address shown on our billing records. You agree to give us written notice of any change in your billing\naddress. You may do this when you mail us a payment or you may send the notice to us in a separate letter.\n19. EFFECT OF AGREEMENT AND AMENDMENTS. This Agreement governs all transactions on your Account even though the sales, Cash Advance,\ncredit, or other slips you sign or receive may contain different terms. We may amend the terms of this Agreement at any time. If we do so, we will notify\nyou in writing in accordance with applicable law. Except as limited by applicable law, any amendment will apply to all then outstanding unpaid\nindebtedness on your Account prior to the effective date of the amendment. Any such amendment will not require your written consent, and will become\neffective as stated in the notice, but your consent (if required by applicable law) may be evidenced by your use of the Card or VISA Check after we give\nyou notice of the amendment. We may at any time add new credit services, discontinue any credit services, or replace your Card and/or VISA Checks\nwith others. We extend credit under Subtitle 9 of Title 12 of the Commercial Law Article of the Annotated Code of Maryland except to the extent preempted by federal law. This Agreement is governed by the internal laws of Maryland and federal law.\n20. VISA PLATINUM and VISA SIGNATURE REWARD CARD POINTS. Earned points will expire at the end of four years.\n\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\n\nThis notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.\n\nNOTIFY US IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR BILL\nIf you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address listed on your\nbill. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared.\nYou can telephone us at 1-800-654-7728, but doing so will not preserve your rights.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about.\nIf you have authorized us to pay your credit card bill automatically from your savings or share draft account, you can stop payment on any amount you\nthink is wrong. To stop the payment your letter must reach us three business days before the automatic payment is scheduled to occur.\n\nYOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE\nWe must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain\nwhy we believe the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount\nyou question, including finance charges, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount\nwhile we are investigating, but you are still obligated to pay the parts of your bill that are not in question.\nIf we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we did not make a\nmistake, you may have to pay finance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will\nsend you a statement of the amount you owe and the date that it is due.\n\n\x0cIf you fail to pay the amount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to\nus within ten days telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell\nyou the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is.\nIf we do not follow these rules, we cannot collect the first $50 of the questioned amount, even if your bill was correct.\n\nSPECIAL RULE FOR CREDIT CARD PURCHASES\nIf you have a problem with the quality of property or services that you purchased with a credit card and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this\nright:\n(a) You must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address; and\n(b) The purchase price must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.\n\nM-113506\n\n\x0cVISA PLATINUM CREDIT CARD\nCREDIT & FEE DISCLOSURE (VARIABLE RATE)\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\nAPR for Balance Transfers\n\n7.99% to 14.99%, depending on your\ncreditworthiness.\nPlatinum Basic: 18.00%\nPlatinum Secure: 14.50%\nAPR may be\n\nThe purchase APRs will vary with the market based on the Prime Rate.\nAPR may be 7.99% to 14.99%, depending on your creditworthiness.\nPlatinum Basic: 18.00%\nPlatinum Secure: 14.50%\n\nAPR for Cash Advances\n\nAll balance transfer APRs will vary with the market based on the Prime Rate.\nAPR may be 7.99% to 14.99%, depending on your creditworthiness.\nPlatinum Basic: 18.00%\nPlatinum Secure: 14.50%\nAll cash advance APRs 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 the\ndue date each month. We will begin charging interest on cash advances and\nbalance transfers on the transaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fee\nTransaction Fees\n\xe2\x80\xa2\nForeign Transaction\nBalance Transfer Fee\n\nNo fee\n\nCash Advance Fee\n\nNo fee\n\nPenalty Fees\n\xe2\x80\xa2\nLate Payment\n\xe2\x80\xa2\nReturned Payment\n\nUp to $25.00\nUp to $25.00\n\nNo fee\nNo fee\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new\npurchases). See your Disclosure Statement and Agreement for more details.\n\nEffective Date: January 1, 2016\n\n\x0c'


b'5/4/2017\n\nPartners Federal Credit Union Rates\n\nUsername:\n\nForgot Password\n\nRegister\n\nRates\n\nContact Us\n\nHome \xc2\xbb Everyday Banking \xc2\xbb Credit Cards \xc2\xbb Rates\n\nPartners VISA\nUnlocks Savings\n\nVISA\xc2\xae Rates and Disclosures\nInterest Rates and Interest Charges\nVISA Platinum\n\nAnnual Percentage\nRate for Purchases\n\nVISA Signature\n\nYour APR will be\n\nYour APR will be\n\n14.74%\n\n7.99% to 17.99%\n\n9.49% to 17.99%\n\nbased on your\ncreditworthiness.\n\nbased on your\ncreditworthiness.\n\nthis APR will vary with the\nmarket based on the\nPrime Rate.\n\nYour APR will be\n\nYour APR will be\n\n7.99% to 17.99%\n\nAPR for Balance\nTransfers\n\nVISA Platinum\nRewards\n\n9.49% to 17.99%\n\n14.74%\nthis APR will vary with the\nmarket based on the\nPrime Rate.\n\nVISA Share\nSecured\n13.90%\n\nHave Questions For Us?\nChat Online.\n13.90%\n\nwhen you open your\naccount, based on your\ncreditworthiness.\n\nwhen you open your\naccount, based on your\ncreditworthiness.\n\n7.99% to 17.99%\n\n9.49% to 17.99%\n\n14.74%\n\nwhen you open your\naccount, based on your\ncreditworthiness.\n\nwhen you open your\naccount, based on your\ncreditworthiness.\n\nthis APR will vary with the\nmarket based on the\nPrime Rate.\n\nPenalty APR and When\nit Applies\n\nN/A\n\nN/A\n\nN/A\n\nN/A\n\nHow to Avoid Interest\non Purchases\n\nYour due date is at least\n25 days after the close of\neach billing cycle. We will\nnot charge you interest on\npurchases if you pay your\nentire balance by the due\ndate each month.\n\nYour due date is at least\n25 days after the close of\neach billing cycle. We will\nnot charge you interest on\npurchases if you pay your\nentire balance by the due\ndate each month.\n\nYour due date is at least\n25 days after the close of\neach billing cycle. We will\nnot charge you interest on\npurchases if you pay your\nentire balance by the due\ndate each month.\n\nYour due date is at least\n25 days after the close of\neach billing cycle. We will\nnot charge you interest on\npurchases if you pay your\nentire balance by the due\ndate each month.\n\nMinimum Interest\nCharge\n\nNone\n\nNone\n\nNone\n\nNone\n\nFor Credit Cards Tips\nfrom the Federal\nReserve Board\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 www.consumerfinance.gov/learnmore .\n\nAPR for Cash\nAdvances\n\nSave with our everyday low rates!\n\n13.90%\n\nConnect with a representative.\nM\xc2\xadF 8:00 am \xc2\xad 5:00 pm (ET)\nRead FAQs\n\nRelated Products\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\nBalance Transfer\nCash Advance\nForeign\nTransaction\n\nPenalty Fees\nLate Payment\n\nOver\xc2\xadthe\xc2\xadCredit\nLimit\nReturned\nPayment\n\nConnect with us:\n\nNone\n\nNone\n\nNone\n\nNone\nNone\n1% of U.S. Dollar\nAmount\n\nNone\nNone\n1% of U.S. Dollar\nAmount\n\nNone\nNone\n1% of U.S. Dollar\nAmount\n\nNone\nNone\n1% of U.S. Dollar\nAmount\n\n$25 or 2.5% of\noutstanding balance,\nwhichever is less\n($10 minimum)\nNone\n$23\n\n$25 or 2.5% of\noutstanding balance,\nwhichever is less\n($10 minimum)\nNone\n$23\n\n$25 or 2.5% of\noutstanding balance,\nwhichever is less\n($10 minimum)\nNone\n$23\n\n$25 or 2.5% of\noutstanding balance,\nwhichever is less\n($10 minimum)\nNone\n$23\n\n800.948.6677\n\nEmail\n\nBranches\n\nhttps://www.partnersfcu.org/everyday\xc2\xadbanking/credit\xc2\xadcards/rates/\n\nFacebook\n\n1/2\n\n\x0c5/4/2017\n\nPartners Federal Credit Union Rates\n\nYour funds are safe and secure at Partners. Savings are federally insured to at least $250,000 by the United States Government. To learn more, please\nvisit the NCUA website.\n\nAbout Partners\n\nTell me about...\n\nMembership\nRelationship Rewards\nContact Us\nFind a Branch or ATM\nShared Branches\nLeadership\nLike us on Facebook\nFollow us on Instagram\n\nCurrent Promotions\nChecking Accounts\nSavings Accounts\nMoney Market Accounts\nCertificates\nCredit Cards\nHoliday Schedule\n\nPrivacy Policy\n\nDisclosures\n\nRates\n\nCareers\n\nThe Hub\n\nCurrent News\nOther Loans\nIRAs\nMortgages\nHome Equity Products\nAuto Loans\nInsurance\n\nComing Soon\nAuto Buying Program\nWealth Management\nWorkshops\nRates\nSet up Direct Deposit\n\nSite Terms\n\n\xc2\xa9 2017 Partners Federal Credit Union\n\nhttps://www.partnersfcu.org/everyday\xc2\xadbanking/credit\xc2\xadcards/rates/\n\nFederally insured by the NCUA.\n\n2/2\n\n\x0c'


b'CONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit\nUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers\nthis Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\n(6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and\ncasino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction\nthat is illegal.\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights Reserved\n\nDCASC1 (MXC501 CCM002)-e\n\n\x0c3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of\npurchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the\nbilling cycle in which the cash advance is posted to your account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of\npurchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash\nadvances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes\non your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or\nU.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account upon the issuance of\nyour card. Each year following, the annual fee will be charged to your account during the same month that you were first\ncharged the fee. The fee will be charged each year until your account is closed and paid in full.\nb. Account Set-Up Fee. If your account is subject to an Account Set-up Fee, a fee will be charged when you apply for a\ncredit card account.\nc. Program Fee. If your account is subject to a Program Fee, a fee will be charged when you open an account as\ndescribed on the Disclosure accompanying this Agreement.\nd. 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.\ne. Additional Card Fee. If your account is subject to an Additional Card Fee, a fee will be charged for each additional\ncard issued to you at account opening.\nDCASC1 (MXC501 CCM002)-e\n\n\x0cf. Application Fee. If your account is subject to an Application Fee, a fee will be charged when you apply for a credit\ncard account.\ng. 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.\nh. 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.\ni. 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.\nj. 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.\nk. 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.\nl. 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.\nm. 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.\nn. Returned Convenience Check Fee. If your account is subject to a Returned Convenience Check Fee, the fee will be\ncharged to your account when a convenience check is returned for any reason.\no. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and\nwhen the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your\naccount for each copy of a sales draft or statement that you request.\np. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each\nreplacement card that is issued to you for any reason.\nq. 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). The minimum payment is 2.50% of your total new\nbalance, or $10.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all\noutstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on the\nstatement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your\ncredit limit.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\nDCASC1 (MXC501 CCM002)-e\n\n\x0c11. 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.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at P.O. Box 10000, Lake Buena Vista, FL 32830-1000 or telephone (800) 449-7728\nseven (7) days a week, 24 hours a day or (410) 581-9994 outside the U.S. (collect) seven (7) days a week, 24 hours a\nday, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your credit\ncard. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized\nuse. You will have no liability for unauthorized purchases made with your credit card, unless you are grossly negligent in\nthe handling of your card. In any case, your liability will not exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six (6) months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\nDCASC1 (MXC501 CCM002)-e\n\n\x0c20. 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.\n23. 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. GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of gambling\ntransactions.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. VOLUNTARY PAYMENT PROTECTION \xe2\x80\x94 We may offer Voluntary Payment Protection to you. Voluntary Payment\nProtection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to\nadd the fees or insurance charges monthly to your loan balance and charge you interest on the entire balance. At our\noption we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine\nthe fees or insurance charges may change in the future. If the rate changes, we will provide any notices required by\napplicable law.\n28. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n29. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address listed on your statement.\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required\nto investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report you as delinquent on that amount.\n- The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\nDCASC1 (MXC501 CCM002)-e\n\n\x0cAfter we finish our investigation, one of two things will happen:\n- If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at\nthe address listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\nNOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 Federal law requires us to provide the following notice to members before\nany \xe2\x80\x9cnegative information\xe2\x80\x9d may be furnished to a nationwide consumer reporting agency. We may report information\nabout your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be\nreflected in your credit report.\n\nDCASC1 (MXC501 CCM002)-e\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA STEEL/VISA STEEL REWARDS/VISA STEEL SHARE\nSECURED/VISA STEEL SHARE SECURED REWARDS\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Steel\n\n0.00%\n\nIntroductory APR for a period of six billing cycles.\n\n8.98% to 17.98%\n\n, based on your\nAfter that, your APR will be\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Steel Rewards\n\n11.98% to 17.98% , when you open your account, based on your\n\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Steel Share Secured\n\n0.00%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, your APR will be\nbased on the Prime Rate.\n\n5.98%\n\n. This APR will vary with the market\n\nVisa Steel Share Secured Rewards\n\n8.98%\n\nThis APR will vary with the market based on the Prime Rate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n10421077-MXC10-P-1-111617 (MXC101-E)\n\n\x0c12\n\nAPR for Balance Transfers\n\nVisa Steel\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 8.9\x1b% to 17.98% , based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Steel Rewards\n11.9\x1b% to 17.98% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Steel Share Secured\n0.00% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 5.98% . This APR will vary with the market\nbased on the Prime Rate.\nVisa Steel Share Secured Rewards\n8.98%\n\nAPR for Cash Advances\n\nThis APR will vary with the market based on the Prime Rate.\nVisa Steel\n8.98% to 17.98% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Steel Rewards\n11.98% to 17.98% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate.\nVisa Steel Share Secured\n5.98%\nThis APR will vary with the market based on the Prime Rate.\nVisa Steel Share Secured Rewards\n8.98%\nThis APR will vary with the market based on the Prime Rate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n10421077-MXC10-P-1-111617 (MXC101-E)\n\n\x0cPenalty APR and When it Applies\n\nVisa Steel\n17.99%\nVisa Steel Rewards\n17.99%\nVisa Steel Share Secured\n17.99%\nVisa Steel Share Secured Rewards\n17.99%\nThis APR may be applied to your account if you:\n- Make 3 consecutive late payments.\nHow Long Will the Penalty APR Apply? If your APRs are increased for this\nreason, the Penalty APR will apply until you make six consecutive minimum\npayments when due.\n\nHow to Avoid Paying Interest on\nPurchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\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.\nIf you are charged interest, the charge will be no less than $0.01.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nNone\nNone\n1.00% of each transaction in U.S. dollars\nNone\nUp to $20.00\nNone\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR - Visa Steel, Visa Steel Share Secured:\nThe Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first\nsix months following the opening of your account. Any existing balances on OE Federal Credit Union loan or credit card\naccounts are not eligible for the Introductory APR for balance transfers.\nLoss of Introductory APR:\nWe may end your Introductory APR for purchases and balance transfers and apply the Penalty APR if you are 60 days\nlate in making a payment.\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.\nMinimum Interest Charge:\nThe minimum interest charge will be charged on any dollar amount.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: March 23rd,2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n10421077-MXC10-P-1-111617 (MXC101-E)\n\n\x0cFor California Borrowers, the Visa Steel, Visa Steel Rewards, Visa Steel Share Secured and Visa Steel Share\nSecured Rewards are secured credit cards. Credit extended under this credit card account is secured by various\npersonal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any\nshares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you\nhave in any individual or joint account with the Credit Union excluding shares in an Individual Retirement\nAccount or in any other account that would lose special tax treatment under state or federal law, and (d)\ncollateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the\nforegoing, you acknowledge and agree that during any periods when you are a covered borrower under the\nMilitary Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be\nsecured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be\ndeemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower;\nor (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$20.00 or the amount of the required minimum payment, whichever is less, if you are 10 or more days late in making a\npayment.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nRush Fee:\n$25.00.\n\nIOANUNB.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n10421077-MXC10-P-1-111617 (MXC101-E)\n\n\x0c'


b'Credit Card Rates, Fees and Cost Information\nThe following disclosure represents important details concerning your credit card. We reserve the right to periodically review your credit standing and to increase\nany rate on your new balances, in accordance with applicable law. The information about costs of the card are accurate as of April 1, 2016. You can write us at One\nNevada Credit Union, 2645 South Mojave Road, Las Vegas, NV 89121 or call (800) 388-3000 to inquire if any changes occurred since the effective date.\n\nINTEREST RATES and INTEREST CHARGES\nAnnual Percentage Rate (APR)\nfor Purchases, Cash Advances &\nBalance Transfers\n\n8.50%, 11.50%, 14.50%, or 17.50%\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not charge you interest\non purchases if you pay your entire new purchase balance by the due date each month. For Cash\nAdvances and Balance Transfers, we will begin charging interest on the transaction date.\n\nMinimum Finance Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of\nthe Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\ndepending on your credit history. This APR will vary based on the Prime Rate*.\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 ATM Withdrawal:\n\xe2\x80\xa2 Foreign Transaction:\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\n\nNone\nNone\n\n2% of each transaction, minimum $5.00\n2% of each transaction, minimum $5.00\n2% of each transaction, minimum $5.00 (does not include non-ONCU ATM fees)\n2% of each transaction in U.S. dollars if the transaction does or does not involves a currency\nconversion\n$25 or your minimum payment required, whichever is less, if your payment is not received by your due date.\nNone\n$25 if your payment is returned for any reason\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance including new purchases.\xe2\x80\x9d See your account agreement\nfor more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nOTHER IMPORTANT DISCLOSURES:\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS\nYOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU\nALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. THE GRANTING OF THIS\nSECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE\nCAN APPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and deposits in an Individual Retirement Account or any other account\nthat would lose special tax treatment under state or federal law if given are not subject to this security interest. If you have other loans with us,\ncollateral securing such loans may also secure your obligations under this Agreement, unless that other collateral is your principal residence or\nnon-purchase money household goods.\n*Variable Rate Information: The Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the \xe2\x80\x98Prime Rate\xe2\x80\x99 in\nthe \xe2\x80\x98Money Rates\xe2\x80\x99 column of the Wall Street Journal increases or decreases. The Annual Percentage Rate will be equal to the Prime Rate plus a\nmargin. The interest rate can change within 15 business days of the Prime Rate change.\nDaily Periodic Rates: Purchases, Cash Advances, and Balance Transfers: Based on Your Approved Rate\nOther Fees: In addition to the fees disclosed above, the following fees may be imposed:\nStatement Copy Fee: $5.00\nCURewards\xe2\x84\xa2 Program: For details on CURewards\xe2\x84\xa2 Program benefits and rules, call or write One Nevada Credit Union (Member Services), or\nwrite to PSCU, P.O. Box 31112, Tampa, FL 33631-3112.\nIf you choose to participate in the CURewards\xe2\x84\xa2 Program, points accumulated remain valid for redemption for a five-year period and will be\nreported on your monthly Visa\xc2\xae statement. Points are not accrued on delinquent accounts. If at any time you wish to cancel your participation in\nthis program but retain your Visa\xc2\xae account, you must notify us in writing and return your Visa\xc2\xae card cut in half. Any points balance will be forfeited\nand you will be issued a new Visa\xc2\xae card.\nThe Credit Union reserves the right to cancel this program at any time by providing you with thirty (30) days written notice. The Credit Union also\nreserves the right and sole discretion to cancel individual participation in the program based on misuse of the program as determined by the Credit\nUnion. Program benefits will only be awarded to members in good standing (loan payments current, balances within established limits, no overdrawn accounts).\n4/16\n\t\t\t\t\t\t\t\t\t\tFederally insured by NCUA. Equal Housing Lender.\n\n\x0c'


b'1070 Edgefield Road\nP.O. Box 6730\nNorth Augusta, SC 29861\n(800) 237-9829\n\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card\n09/01/2020\nare accurate as of __________________\n. You can contact us toll free at (800) 237-9829 or 1070 Edgefield Road, P.O. Box\n6730, North Augusta, SC 29861 to inquire if any changes occurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nVISA\nTRADITIONAL\nSECURED\nAnnual Percentage Rate\n(APR) for Purchases, Cash\nAdvances, & Balance\nTransfers\n\nVISA TRADITIONAL\n\nVISA REWARDS\n\nVISA SIGNATURE\n\n14.00%\n\n5.25%-14.25%\n\n6.25%-16.25%\n\n6.25%-16.25%\n\nThis APR will\nvary with the\nmarket based on\nthe Prime Rate.\n\ndepending on your\ncredit history. This\nAPR will vary with the\nmarket based on the\nPrime Rate.\n\ndepending on your\ncredit history. This\nAPR will vary with the\nmarket based on the\nPrime Rate.\n\ndepending on your\ncredit history. This\nAPR will vary with the\nmarket based on the\nPrime Rate.\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not charge\nyou interest on purchases if you pay your entire new purchase balance by the due date\neach month. We will begin charging interest on cash advances and balance transfers on\nthe date the cash advance or balance transfer is posted to your account.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau\'s web site at\nhttp://www.consumerfinance.gov/learnmore.\n\nFEES:\nFees to Open or Maintain your\nAccount\n- Annual Fee:\n- Application Fee:\n\nNone\nNone\n\nTransaction Fees\n- Balance Transfer:\n- Cash Advance:\n- Foreign Transaction:\n\nNone\n2% of the amount of each cash advance or $10.00, whichever is greater\n1% for any transaction outside the U.S. or U.S. territories\n\nPenalty Fees\n- Late Payment:\n- Over-the-Credit Limit:\n- Returned Payment:\n\nUp to $25.00 if your payment is late 1 day or more\nNone\nUp to $20.00 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\n9013 LASER FPDF FI19792 8-2017\n\npage 1 of 3\n\nCOPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.\n\n\x0cCREDIT CARD APPLICATION\n\n1070 Edgefield Road\nP.O. Box 6730\nNorth Augusta, SC 29861\n(800) 237-9829\n\nMarried Applicants may apply for a separate account. Check the appropriate box to indicate Individual Credit or Joint Credit.\nIndividual Credit: Complete Applicant sections if only the applicant\'s income is considered for loan approval.\nComplete Applicant and Co-Applicant sections: (1) if you are relying on income from alimony, child support, or separate maintenance\nor on the income or assets of another person as the basis for repayment of credit requested; (2) if you reside in a Community Property\nState; (3) if you are relying on property located in a Community Property State as a basis for repayment of the credit requested; or (4) if\nyou are an Alaska resident subject to a community property agreement or community property trust. Community Property States include:\nAZ, CA, ID, LA, NM, NV, TX, WA, WI.\nJoint Credit:\n\nComplete Applicant and Co-Applicant sections if your co-applicant will be contractually liable for repayment of the loan and initial below:\nWe intend to apply for joint credit.\n\n(Applicant Initials)\n\n(Co-Applicant Initials)\n\nPLEASE CHECK BELOW TO INDICATE THE TYPE OF ACCOUNT(S) AND TYPE OF CREDIT FOR WHICH YOU ARE APPLYING.\nIndividual\n\nCredit Cards:\n\nNumber of Cards\n\nJoint\n\nAmount Requested $\n\nVisa Traditional Secured\nVisa Traditional\n\nIf Authorized user, name\n\nVisa Rewards\n\nDate of Birth\n\nSEE PAGE 1 FOR IMPORTANT INFORMATION ABOUT CREDIT CARDS\n\nVisa Signature\nAPPLICANT\n\nCO-APPLICANT\n\nNON-APPLICANT SPOUSE/OTHER\n\nGUARANTOR\n\nNAME (Last - First - Initial)\n\nACCOUNT NUMBER\n\nNAME (Last - First - Initial)\n\nACCOUNT NUMBER\n\nSOCIAL SECURITY NUMBER\n\nMOTHER\'S MAIDEN NAME\n\nSOCIAL SECURITY NUMBER\n\nMOTHER\'S MAIDEN NAME\n\nE-MAIL ADDRESS\n\nFAX NUMBER\n\nE-MAIL ADDRESS\n\nFAX NUMBER\n\nBUSINESS PHONE/EXT.\n\nBIRTH DATE\n\nSTATE\n\nDRIVER\'S LICENSE NUMBER\n\nHOME PHONE\n\nBIRTH DATE\n\nDRIVER\'S LICENSE NUMBER\n\nPRESENT ADDRESS (Street - City - State - Zip)\n\nOWN\n\nBUSINESS PHONE/EXT.\n\nHOME PHONE\n\nSTATE\n\nPRESENT ADDRESS (Street - City - State - Zip)\n\nRENT\n\nOWN\n\nYEARS/MONTHS\nAT THIS ADDRESS\n\nRENT\n\nYEARS/MONTHS\nAT THIS ADDRESS\n\nPREVIOUS ADDRESS (Street - City - State - Zip)\n\nPREVIOUS ADDRESS (Street - City - State - Zip)\n\nPURCHASE PRICE OF HOME:\n\nPRESENT HOME VALUE:\n\nPURCHASE PRICE OF HOME:\n\nPRESENT HOME VALUE:\n\n$\n\n$\n\n$\n\n$\n\nMORTGAGE BALANCE\n\nMONTHLY PAYMENT (MORTGAGE/RENT)\n\nMORTGAGE BALANCE\n\nMONTHLY PAYMENT (MORTGAGE/RENT)\n\n$\n\n$\n\n$\n\n$\n\nPLEASE COMPLETE ONLY IF YOU ARE APPLYING FOR JOINT CREDIT, SECURED CREDIT, OR IF\nYOU LIVE IN A COMMUNITY PROPERTY STATE.\nMARRIED\n\nSEPARATED\n\nUNMARRIED (Single - Divorced - Widowed)\n\nPLEASE COMPLETE ONLY IF YOU ARE APPLYING FOR JOINT CREDIT, SECURED CREDIT, OR IF\nYOU LIVE IN A COMMUNITY PROPERTY STATE.\nSEPARATED\nUNMARRIED (Single - Divorced - Widowed)\nMARRIED\n\nEMPLOYMENT\nNAME AND ADDRESS OF EMPLOYER\n\nHIRE DATE\n\nNAME AND ADDRESS OF EMPLOYER\n\nPOSITION\n\nHIRE DATE\n\nPRIOR EMPLOYER\n\nPOSITION\n\nPRIOR EMPLOYER\n\nINCOME\nOTHER INCOME NOTICE: Alimony, child support, or separate maintenance\nincome need not be revealed if you do not choose to have it considered.\n\nOTHER INCOME NOTICE: Alimony, child support, or separate maintenance\nincome need not be revealed if you do not choose to have it considered.\n\nINCOME\n\nINCOME\n\n$\n\n$\n\nPER\n\nPER\n\nREFERENCES\nNAME AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU\n\nHOME NUMBER\n\nNAME AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU\n\nRELATIONSHIP\n\nHOME NUMBER\n\nRELATIONSHIP\n\npage 2 of 3\n\n\x0cOTHER INFORMATION ABOUT YOU - IF YOU ANSWER "YES" TO ANY QUESTION OTHER THAN #1, EXPLAIN ON AN ATTACHED SHEET.\n\nAPPLICANT\n\nOTHER\n\n1. ARE YOU A U.S. CITIZEN OR PERMANENT RESIDENT ALIEN?\n2. DO YOU CURRENTLY HAVE ANY OUTSTANDING JUDGMENTS OR HAVE YOU EVER FILED FOR BANKRUPTCY, HAD A DEBT\nADJUSTMENT PLAN CONFIRMED UNDER CHAPTER 13, HAD PROPERTY FORECLOSED UPON OR REPOSSESSED IN THE\nLAST 7 YEARS, OR BEEN A PARTY IN A LAWSUIT?\n3. IS YOUR INCOME LIKELY TO DECLINE IN THE NEXT TWO YEARS?\n4. ARE YOU A CO-MAKER, CO-SIGNER OR GUARANTOR ON ANY LOAN NOT LISTED ABOVE?\nFOR WHOM (Name of Others Obligated on Loan):\nTO WHOM (Name of Creditor):\n\nSTATE NOTICES\nOHIO RESIDENTS ONLY: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that\ncredit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with\nthis law.\nWISCONSIN RESIDENTS ONLY: Marital Status:\n\nMarried\n\nUnmarried\n\nLegally Separated\n\nIf married: the name of my spouse is\nSpouse\'s Address (if different)\n\nSpouse\'s SSN:\n\nNotice: No provision of any marital property agreement, unilateral statement under Section 766.59, or court decree under Section 766.70 will adversely\naffect the rights of the Credit Union unless the Credit Union is furnished a copy of the agreement, statement or decree, or has actual knowledge of its terms,\nbefore the credit is granted or the account is opened.\nMARRIED WISCONSIN RESIDENTS APPLYING FOR AN INDIVIDUAL ACCOUNT: By signing here, I state that the credit being applied for, if granted, will\nbe incurred in the interest of the marriage or family of the Borrower(s).\n\nX\n\nSECURITY INTEREST\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS APPLICATION.\nIF YOUR APPLICATION IS APPROVED, YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT\nACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU\nALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN\nAPPLY YOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given are\nnot subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also secure your obligations under this Agreement, unless that other collateral is your\nprincipal residence or non-purchase money household goods.\n(Applicant Initials)\n\n(Co-Applicant Initials)\n\nLOAN APPLICATION SIGNATURES\nPLEASE READ BEFORE SIGNING:\nAll the information in this application is true. I understand that section 1014 Title 18 U.S. Code makes it a federal crime to knowingly make a false statement on\nthis application. You have my permission to check it. You may retain this application even if not approved. I understand that you may receive information from\nothers about my credit and you may answer questions and requests from others seeking credit or experience information about me or my accounts with you. If\nthis application is approved, I agree to honor the provisions of the credit card agreement covering my account. (If this application is for two or more of us, this\nstatement applies to all of us.)\nConsumer and Credit Report Authorization. By signing this Application, I authorize you to obtain my consumer and/or credit report for the purposes of\nevaluating this application and to obtain subsequent credit reports on an on-going basis in connection with this transaction, and for all other legitimate purposes,\nsuch as reviewing my accounts or taking collection action on the account. I authorize you to receive and review other information about me, such as my\nemployment and income information, from third-parties or consumer reporting agencies.\nVermont Residents: Applicant provided consent via phone _______________ (Credit Union Initials)\nIMPORTANT NOTICE ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record\ninformation that identifies each person who opens an account. What this means for me: When I open an account, you will ask for my name, address, date of\nbirth, and other information that will allow you to identify me. You may also ask to see my driver\'s license or other identifying information.\nSIGNATURE OF APPLICANT\n\nX\n\nDATE\n\nSIGNATURE OF CO-APPLICANT\n\nX\nHAVE YOU OMITTED ANYTHING? REMEMBER: INCOMPLETE APPLICATIONS CANNOT BE PROCESSED.\n\npage 3 of 3\n\nDATE\n\n\x0c'