b'M-123149\n32. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nYour Billing Rights: Keep this Document for Future Use\n\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 5 of 6\n\n03105847-MXC30-C-2-082517 (MXC302-E)\n\nPage 6 of 6\n\n03105847-MXC30-C-2-082517 (MXC302-E)\n\nM-123149\n\nCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA/VISA SIGNATURE\n\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to AmeriCU Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to\neach applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means\nthe line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. 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. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n03105847-MXC30-C-2-082517 (MXC302-E)\n\n\x0caccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 3.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on new purchases on the first day of\nthe following billing cycle. We will begin charging You interest on cash advances and balance transfers on the date of the\ntransaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later\n(transaction date). However, We will not charge You any interest on new purchases if You paid the entire new balance on\nthe previous cycle\xe2\x80\x99s billing statement by the Payment Due Date of that statement. To avoid an additional finance charge\non the balance of purchases, You must pay the entire new balance on the billing statement by the Payment Due Date of\nthat statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type (excluding new purchases), and\nsubtract any unpaid interest or other finance charges and any applicable payments or credits. This gives Us the daily\nbalance for each Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the billing cycle\nand divide each total by the number of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each\nTransaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 If You default, if the Card is lost or stolen, or We change the Account for any\nreason, We may suspend automatic charges with third party vendors. If preauthorized charges are suspended, You are\nresponsible for making direct payment for such charges until You contact the third party to reinstate the automatic\ncharges. Preauthorized charges will automatically transfer to the new account if the account is reported lost/stolen or\nreissued with a new expiration date if the recurring payment merchant is enrolled.\n10. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at P.O. Box 31112,\nTampa, FL, 33631-3112 or call Us at (800) 449-7728, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n\n15. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n16. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n17. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nNew York.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n24. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n25. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n26. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n27. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n28. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n29. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n30. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n31. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n\nPage 2 of 6\n\nPage 3 of 6\n\nPage 4 of 6\n\n03105847-MXC30-C-2-082517 (MXC302-E)\n\n03105847-MXC30-C-2-082517 (MXC302-E)\n\n03105847-MXC30-C-2-082517 (MXC302-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA/STANDARD MASTERCARD\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa\n\n15.90%\nStandard Mastercard\n\n12.90%\nAPR for Balance Transfers\n\nAPR for Cash Advances\n\nVisa\n15.90%\nStandard Mastercard\n12.90%\nVisa\n17.90%\nStandard Mastercard\n17.90%\n\nHow to Avoid Paying Interest on\nPurchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment 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 $0.50.\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\n$10.00 or 3.00% of the amount of each cash advance, whichever is greater\n1.00% of each transaction in U.S. dollars\nUp to $25.00\nUp to $28.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash\nadvances)."\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: October 1, 2020\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03105847-MXC10-P-1-052920 (MXC101-E)\n\n\x0cThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa and Standard Mastercard are secured credit cards. Credit extended under this\ncredit card account is secured by various personal property and money including, but not limited to: (a) any\ngoods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a\nseparate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union\nexcluding shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union\nexcluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when\nyou are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are three or more days late in making a\npayment.\nCash Advance Fee (Finance Charge):\n$10.00 or 3.00% of the amount of each cash advance, whichever is greater.\nReturned Payment Fee:\n$28.00 or the amount of the required minimum payment, whichever is less.\n\nMastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03105847-MXC10-P-1-052920 (MXC101-E)\n\n\x0c'


b'M-132243\n\n1916 Black River Blvd.\nRome, NY 13440\n(315) 356-3000\n\n\x0c\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA/VISA SIGNATURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa\n\n6.24% to 17.99%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Signature\n\n7.24% to 17.99%, when you open your account, based on your\nAPR for Balance Transfers\n\nAPR for Cash Advances\n\nHow to Avoid Paying Interest on\nPurchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\nFees\nAnnual Fee\n- Annual\nFee\nTransaction Fees Cash Advance Fee\n- Foreign Transaction Fee\n\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa\n6.24% to 17.99% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Signature\n7.24% to 17.99%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa\n6.24% to 17.99%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Signature\n7.24% to 17.99%,, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nYour due date is at least 25 days after the close of each billing cycle. We\nwill not charge you any interest on purchases if you pay your entire balance\nby the due date each month.\nIf you are charged interest, the charge will be no less than $.50.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nNone\n$10.00 or 3.00% of the amount of each cash advance, whichever is greater\n1.00% of each transaction in U.S. dollars\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved~\n\n03105847-MXC10-P-2-082517 (MXC101-E)\n\n\x0cPenalty Fees\n- Late Payment Fee\nUp to $25.00\nUp to $25.00\n- Returned Payment Fee\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases) (including new balance transfers and cash\nadvances)."\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: April 25, 2020.\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa and Visa Signature are secured credit cards. Credit extended under this credit\ncard account is secured by various personal property and money including, but not limited to: (a) any goods you\npurchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate\nPledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares\nin an Individual Retirement Account or in any other account that would lose special tax treatment under state or\nfederal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you grant\nus but will not be secured by all shares you have in any individual or joint account with the Credit Union. For clarity,\nyou will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered\nborrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are three or more days late in making a\npayment.\nCash Advance Fee (Finance Charge):\n$10.00 or 3.00% of the amount of each cash advance, whichever is greater.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\n\n\xc2\xa9CUNA Mutual Group2009, 10, 12, 16 All Rights Reserved~\n\n03105847-MXC10-P-2-082517 (MXC101-E)\n\n\x0c'


b'Routing Number: 221375802\n(https://www.americu.org)\n\nLocations + ATMs (/locations-atms/)\nIn Our Community\n(/in-our-community/)\n\nPersonal\n\nBusiness\n\nContact\n(/contact/)\n\nInsurance\n\nCurrent Rates (/current-rates/)\n\nSearch\n\nJoin (/join/)\n\nAbout\n(/about/)\n\nOnline Banking Login (/member-login/)\n\nInvestments\n\nMilitary (/military/)\nLOGIN\n(/wealth-management/)\n(/insurance/)\n(/education/)\n(/business/)\n(/personal/)\nMENU\n\n(https://www.americu.org)\n\nEducation\n\nCurrent Rates\nOur Current Rates\nAmeriCU offers our members some of the highest deposit rates, lowest loan rates, and best service around! And with our MemberPlus program, you can get extra\nbenefits from your membership! Learn more about MemberPlus. (/personal/member-plus/)\nRates current as of March 5, 2021 and are subject to change without notice.\n/\n\n\x0cPersonal Rates\nDiscover why thousands of people make the switch to AmeriCU every year! Whether you\xe2\x80\x99re looking for a checking or savings account, want to invest in your future\nwith an IRA, need a great rate on a mortgage or home equity loan, or something else \xe2\x80\x93 you\xe2\x80\x99ve come to the right place. AmeriCU is here to provide you the right\nfinancial services to live life, dream big and achieve financial success.\n\nDeposits\n\nShare Certificates\n\nHome Equity Loans &\nLines\n\nMortgages\n\nLoans\n\nCredit Cards\n\nPlease note: rates below are current as of March 5, 2021 and are subject to change without notice.\nCard\n\nAPR*\n\nAnnual Fee\n\nVISA Signature Rewards**\n\nAs low as 7.24%\n\n$0\n\nVISA Traditional Platinum**\n\nAs low as 6.24%\n\n$0\n\nMasterCard***\n\nAs low as 12.90%\n\n$0\n\nSecured VISA Platinum****\n\nAs low as 15.90%\n\n$0\n\n/\n\n\x0cAPPLY NOW!\n\n(https://app.loanspq.com/cc/CreditCard.aspx?\n\nenc=Kw21Wblm1yxpjJabdoZaD2Lk9p2yTwPEqeCPGnvZAbFu_bUQAdBE_DmRrD6dTtDo4PvHkOQhOOzIcfHe-twjoA)\n*APR = Annual Percentage Rate. Rates and terms are accurate as of March 5, 2021, and are subject to change without notice. Rates are determined by\ncreditworthiness and other factors at the time of application. Credit limits based on ability to repay. Credit Cards are not eligible for MemberPlus\nRelationship Pricing.\nLearn more about MemberPlus. (/personal/member-plus/)\n** Standard APR may vary and is based on Prime Rate. The Prime Rate Index used to determine your APR is the rate published in The Wall Street\nJournal quarterly (January, April, July and October) and changes are effective as of the first date of your next billing cycle. Minimum interest charge is\n$0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee $10.00 or 3% of the amount of each cash advance,\nwhichever is greater.\nSee full terms and disclosures. (https://www.fuzeqna.com/americu/ext/kbdetail.aspx?kbid=4282)\n***Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of transaction amount. Cash Advance Fee $10.00 or 3% of the\namount of each cash advance, whichever is greater.\nSee full terms and disclosures. (https://www.fuzeqna.com/americu/ext/kbdetail.aspx?kbid=4283)\n****Open a secured savings account with AmeriCU for $500+ to get a Secured VISA \xc2\xae. The credit limit on your Secured VISA\xc2\xae = the balance in your\nSecured Savings Account (in increments of $100 up to $5,000). Minimum interest charge is $0.50. Foreign Transaction Fee (Finance Charge) is 1% of\ntransaction amount. Cash Advance Fee $10.00 or 3% of the amount of each cash advance, whichever is greater.\nSee full terms and disclosures. (https://www.fuzeqna.com/americu/ext/kbdetail.aspx?kbid=4283)\n\nBusiness Rates\nVisit your local AmeriCU Financial Center or contact a member of our Business Team for our current Business Rates.\n\n/\n\n\x0cBusiness Deposits\n\nBusiness Share\nCertificates\n\nMore from AmeriCU\n\nJoin Today\nFinancial Wellness\nYou face important financial decisions every\nday. Give yourself the tools you need to be\nprepared! Learn about financial wellness.\n(/education/adult/)\n\nYou can become a member with just $5 if you\nlive, work, worship, or attend school in Central\nor Northern New York. It\xe2\x80\x99s that easy! Join\ntoday. (https://app.loanspq.com/apply.aspx?\n\nThe Right Financial Services\nAmeriCU provides you with the right financial\n\nenc=Kw21Wblm1yxpjJabdoZaD2Lk9p2yTwPEqe\n\nservices to live life, dream big, and achieve\nfinancial success. See all the products and\n\nc1PbcvTn7swsCFYQinrZjCN6zwrAEfMOblrwjZM\n\nservices we offer! (/personal/)\n\n/\n\n\x0c(/)\n\nCopyright \xc2\xa9 AmeriCU Credit Union. All Rights Reserved.\n\n(https://www.lookingglasscyber.com/products/threatintelligence-services/threatanalysis-services/brandprotection-services/lookingglassprotected-site-seal/)\n\nMember Security Center (/membersecurity-center/)\nCareer Center (/careers/)\nTerms + Conditions (/termsconditions/)\nDisclosures (/disclosures/)\n\nPrivacy Policies (/privacy-policies/)\n(https://www.ncua.gov/Pages/default.aspx)\nWeb Accessibility (/web-accessibility/)\n(http://portal.hud.gov/hudportal/HUD/program_offices/fair_housing_equal_opp/FHLaws)\nContest Rules (/contest-rules/)\nHoliday Closings (/about#holidays)\nCurrent Offers (/currentoffers/)\n\nEqual Housing Lender - Federally insured by NCUA\nMembership restrictions apply\n\n(https://www.facebook.com/AmeriCU-Credit-Union-189953646193/)\n(https://www.instagram.com/americucreditunion/)\n(https://www.linkedin.com/company/americu-credit-union)\n(https://twitter.com/AmeriCU )\n(https://www.youtube.com/user/AmeriCUMarketing)\n\n/\n\n\x0c'


b'M-123146\n\nCREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\n~cu\n\nVISA\n\nl \xe2\x97\x84 \xc2\xb7MM\xe2\x80\xa2MMMl 1 M#MM\xe2\x80\xa2\xe2\x96\xa0 : \xe2\x96\xa0\n\n1916 Black River Blvd.\nRome, NY 13440\n(315) 356-3000\n\nVISA GOLD\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPaying Interest\n\nMinimum Interest Charge\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nAnnual Fee\n- Annual Fee\n\n10.90%\n10.90%\n\n15.90%\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 or balance transfers if You pay\nYour entire balance by the due date each month. We will begin charging\ninterest on cash advances on the transaction date.\nIf You are charged interest, the charge will be no less than $0.50.\n\nM-123145\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\nNone\n\nTransaction Fees\n- Balance Transfer Fee\n- Foreign Transaction Fee\n\nNone\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash\nadvances)." See Your Account Agreement for more details.\nMinimum Interest Charge:\nThe minimum interest charge will be charged on any dollar amount.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (800) 388-2000 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nSEE NEXT PAGE for more important information about Your Account.\nM-123146\n03105847-MXC20-P-1-081817 (MXC201-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if You are 10 or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\n\nThe Purchase APR is 10.90% which is a monthly periodic rate of 0.9080%.\nThe Balance Transfer APR is 10.90% which is a monthly periodic rate of 0.9080%.\nThe Cash Advance APR is 15.90% which is a monthly periodic rate of 1.3250% .\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nM-123146\n\n03105847-MXC20-P-1-081817 (MXC201-E)\n\n\x0c'


b'M-132245\n\n1916 Black River Blvd.\nRome, NY 13440\n(315) 356-3000\n\n\x0c\x0c'


b'M-123141\n\n~cu\n\nVISA\n\n1916 Black River Blvd.\nRome, NY 13440\n\xe2\x80\xa2\xe2\x80\xa2\xc2\xb7\xe2\x80\xa2\xe2\x80\xa2\xc2\xb7\xe2\x80\xa2\xe2\x80\xa2-\xc2\xb7-=--\xe2\x80\xa2\xe2\x96\xa0:\xe2\x96\xa0 (315) 356-3000\n\nCREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\n\nVISA CLASSIC PLATINUM\nVISA CLASSIC PLATINUM\nVISA CLA\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n13.90%\nAPR for Balance Transfers\n\n13.90%\n\n17.90%\nAPR for Cash Advances\nPaying Interest\n\n13.90%\n\n13.90%\n\n13.90%\n\n13.90%\n\n17.90%\n\n17.90%\n\nMinimum Interest Charge\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 or balance transfers if You pay\nYour entire balance by the due date each month. We will begin charging\ninterest on cash advances on the transaction date.\nIf You are charged interest, the charge will be no less than $0.50.\n\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nTransaction Fees\n- Balance Transfer Fee\n- Foreign Transaction Fee\n\nNone\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $20.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash\nadvances)." See Your Account Agreement for more details.\nMinimum Interest Charge:\nThe minimum interest charge will be charged on any dollar amount.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (800) 388-2000 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\n\nIOANUND.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nM-123141\n\nSEE NEXT PAGE for more important information about Your Account.\nM-123141\nM-123141 03105847-MXC20-P-5-081817 (MXC201-E)\n\n\x0cOther 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. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\n\nThe Purchase APR is 13.90% which is a monthly periodic rate of 1.1580%.\nThe Balance Transfer APR is 13.90% which is a monthly periodic rate of 1.1580%.\nThe Cash Advance APR is 17.90% which is a monthly periodic rate of 1.4917%.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nM-123141\n\n03105847-MXC20-P-5-081817 (MXC201-E)\n\n\x0c'


b'Important Information about your UWAA FirstRewards\xc2\xae World Mastercard\xc2\xae\nEffective Date: March 1, 2020\nCARDHOLDER AGREEMENT\nPRICING AGREEMENT\n\nINTEREST RATES & INTEREST CHARGES\nAnnual Percentage Rate (APR) for Purchases\n\n3.99%\n\nintroductory APR for six months after account opening.\n\nand Balance Transfers\nAfter that, your APR will be\nAPR for Cash Advances\nPenalty APR and When it Applies\n\nPaying Interest\n\nMinimum Interest Charge\nFor Credit Card tips from the\nConsumer Financial Protection Bureau\n\n20.75% .\n\nThis APR will vary with the market based on the Prime Rate.\n25.75%\nThis APR will vary with the market based on the Prime Rate.\n30.74%\nThis APR will vary with the market based on the Prime Rate.\nThis APR may be applied to your account if you make a late payment.\nHow Long Will the Penalty APR Apply?\nIf your APRs are increased for this reason, the Penalty APR will apply\nuntil you make six consecutive minimum payments when due.\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\nentire balance by the due date of each month. We will begin charging\ninterest on cash advances and balance transfers on the transaction\ndate.\nIf you are charged interest, the charge will be no less than $1.50\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection Bureau at:\n\nhttp://www.consumerfinance.gov/learnmore/\n\nFEES\nAnnual Fee\nNone\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\nEither $10 or 3% of the amount of each transfer, whichever is greater.\n\xe2\x80\xa2 Cash Advance and Convenience Checks Either $10 or 4% of the amount of each cash advance and\nconvenience check, whichever is greater.\n\xe2\x80\xa2 Foreign Transaction\n\xc2\xba International transaction fee\n3% of the transaction amount in U.S. dollars.\nPenalty Fees\n\xe2\x80\xa2 Late Payment\nUp to $10.00\n\xe2\x80\xa2 Returned Payment\nUp to $30.00\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including current\ntransactions)." See Balance Computation Method within the Pricing Agreement for more details.\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late\npayment. The Penalty APR will vary with the market based on the Prime Rate.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided\nin your Cardholder Agreement.\n\nUWAA FirstRewards World Mastercard (Tier D) 0320 UWPSCXHR\n\n\x0cPRICING AGREEMENT CONTINUED\n1.\n\nTerminology. For purposes of this Pricing Agreement, and the Account Agreement, (collectively referred to as the \xe2\x80\x9cCardholder\nAgreement\xe2\x80\x9d) each Account Holder/Cardholder is referred to as \xe2\x80\x9ccardholder\xe2\x80\x9d or "you", whether one or more, and First Interstate Bank is\nreferred to as \xe2\x80\x9cBank,\xe2\x80\x9d "Issuer,\xe2\x80\x9d "us," or "we".\n\n2.\n\nInterest Rates.\na. Periodic Rate and Annual Percentage Rate. The Annual Percentage Rate corresponds to a Periodic Rate. The Annual Percentage\nRate is equal to the Periodic Rate multiplied by 12 and the Periodic Rate is equal to the Annual Percentage Rate divided by 12. Rates\nother than the introductory rate vary with the market based on the Prime Rate as described further below.\nb. Purchases and Balance Transfers.\ni.\n\nIntroductory Rate. The introductory rate for Purchases and Balance Transfers is 0.33% per month, corresponding to an Annual\nPercentage Rate of 3.99%. Unless a late payment is made and the introductory rate is ended, the introductory rate applies for six\nmonths.\n\nii.\n\nThe Periodic Rate for subsequent Purchases and Balance Transfers and all existing balances related to Purchases and Balance\nTransfers shall be 1.73% per month, corresponding to an Annual Percentage Rate 20.75%. The Periodic Rate and corresponding\nAnnual Percentage Rate for Purchases and Balance Transfers varies with the Prime Rate (defined below) and therefore may\ndecrease or increase as the Prime Rate varies. The Annual Percentage Rate for Purchases and Balance Transfers is determined\nmonthly on the first day of the billing cycle by adding 16 percentage points to the Prime Rate.\n\nc. Cash Advances. The Periodic Rate for Cash Advances is 2.15% per month, corresponding to an Annual Percentage Rate of 25.75%.\nThe Periodic Rate and corresponding Annual Percentage Rate for Cash Advances varies with the Prime Rate (defined below) and\ntherefore may decrease or increase as the Prime Rate varies. The Annual Percentage Rate for Cash Advances is determined monthly on\nthe first day of the billing cycle by adding 21 percentage points to the Prime Rate.\nd. Penalty Rate. The penalty Annual Percentage Rate will apply if a required payment is one time delinquent over sixty (60) days. The\nPeriodic Rate that will apply as a penalty to all balances is 2.56% per month, corresponding to an Annual Percentage Rate of 30.74%.\nThe Periodic Rate and Annual Percentage Rate applicable as a penalty varies with the Prime Rate and therefore may decrease or\nincrease as the Prime Rate varies. The Annual Percentage Rate applicable as a penalty is determined monthly on the first day of the\nbilling cycle by adding 25.99 percentage points to the Prime Rate.\ne. Prime Rate. The Prime Rate used for every adjustment referenced above is the highest "U.S. prime rate" as published in the "Money\nRates" section of The Wall Street Journal on the first publication day of the month in the month preceding the change.\nf.\n\nBilling Cycle. Each monthly statement reflects a billing cycle. A billing cycle is a time period that ends on a closing date determined by\nus and begins on the day after the closing date of the previous billing cycle.\n\n3.\n\nBalance Computation Method. As indicated above, we use a method called "average daily balance (including current transactions)" to calculate\nyour balance. We figure the interest charge on your Account by applying the Periodic Rate to the "average daily balance" of your Account. To get\nthe "average daily balance" we take the beginning balance of your Account each day, add any new purchases and advances, and subtract any\nunpaid interest or other finance charges and any payments or credits. This gives us the daily balance. Then, we add up all the daily balances for\nthe billing cycle and divide the total by the number of days in the billing cycle. This gives us the "average daily balance."\n\n4.\n\nMinimum Payment. The minimum payment required is the New Balance shown on your statement if the amount is equal to or less than $20.00. If\nthe New Balance shown on your statement exceeds $20.00, the minimum payment is 3.00% of that portion of the New Balance which does not\nexceed your credit limit (rounded to the nearest dollar), or $20.00, whichever is greater, plus the entire portion of the New Balance in excess of your\ncredit limit, plus any amount past due.\n\n5.\n\nBalance Transfer, Cash Advance and Convenience Check Fees. A Balance Transfer Fee of either $10.00 or 3.00% of the amount of each\ntransfer, whichever is greater, will apply. A Cash Advance Fee of either $10.00 or 4.00% of the amount of each cash advance, whichever is\ngreater, will apply if you obtain funds through an automated teller machine (ATM) or a financial institution, make a wire transfer or obtain a money\norder. A Convenience Check Fee of either $10.00 or 4.00% of the amount for each convenience check will apply. We will begin charging interest\non Balance Transfers, Cash Advances and Convenience Checks on the transaction date.\n\n6.\n\nForeign Transactions. If you make a purchase or cash advance in foreign currency, the transaction will be converted into U.S. Dollars by\nMastercard\xc2\xae. The exchange rate applied to such transactions is applied on the date that the transaction is processed and is either (i) a wholesale\nexchange rate selected by Mastercard\xc2\xae, or (ii) a government-mandated rate. The exchange rate used on the processing date may differ from the\nrate that would have been used on the transaction date or the Credit Card statement posting date. In addition to the exchange rate, we will charge\n\nUWAA FirstRewards World Mastercard (Tier D) 0320 UWPSCXHR\n\n\x0cthe applicable international transaction fee.\n7.\n\nLate Payment Penalty Fee. If the minimum required payment is not received within ten (10) days after the payment due date, the late payment\npenalty fee will be imposed.\n\n8.\n\nBalance Transfers. Balance Transfers are subject to the Balance Transfer Fee disclosed in the Pricing Agreement. We will evaluate your Balance\nTransfer requests upon receipt. The total amount of your requests, including fees and interest charges, cannot exceed your available credit. If your\nBalance Transfer requests exceed your credit limit, we may either decline your Balance Transfer request or send less than the full amount\nrequested to the designated payees. Each Balance Transfer will reduce your available credit just like any other transaction. It may take up to three\nweeks to process your Balance Transfer(s), so you may still need to make payments to your other accounts to keep them current. We will not\nprocess any Balance Transfer requests for any other account or loan that is issued by us.\n\n9.\n\nOverdraft Protection. Overdraft Protection is an available option on your Account but requires you to enroll and qualify for this service separately.\nOverdraft transfers to your eligible First Interstate Bank deposit account from your First Interstate Bank credit card account will be subject to the\nCash Advance Annual Percentage Rate disclosed under the Pricing Agreement of this Cardholder Agreement. The Cash Advance Transaction\nFees do not apply.\n\n10.\n\nExpedited Credit Card Production and Delivery Charge. Upon request, we will rush your Credit Card and charge you a one-time fee of $28.50.\n\n11.\n\nExpedited Payment Fee. You may be charged a convenience fee of up to $15.00 to make an expedited payment over the phone with the\nassistance of a live customer service representative.\n\n12.\n\nResearch Charges. We will charge $20 per hour, $10.00 minimum per project and $1.00 per Credit Card statement.\n\n13.\n\nSecurity Interests. If you have other loans or credit extensions from us, or take out other loans or credit extensions with us in the future, collateral\nsecuring those loans or credit extensions may also secure your obligations under this Cardholder Agreement. However, unless you expressly\nagree otherwise, your household goods and dwelling will not secure your obligations under this Cardholder Agreement even if we have, or later\nacquire, a security interest in the household goods or a mortgage on the dwelling. If you have executed a written agreement granting a security\ninterest in any deposit accounts (certificates of deposit or checking, savings, or share accounts) or other funds held by us to secure your obligations\nunder this Credit Card plan, such accounts and/or funds are additional security for your obligations to us arising from the use of your Credit Card.\n\nACCOUNT AGREEMENT \xe2\x80\x93 TERMS GOVERNING THE USE OF YOUR CREDIT CARD\nBy signing or using the Credit Card to be issued by us, you acknowledge receipt of the Cardholder Agreement and agree with us as follows:\n1.\n\nCredit Card Use. You may use your Credit Card to purchase goods and services ("Purchases") from participating merchants.\n\n2.\n\nPromise to Pay. You shall be liable and agree to pay us for Purchases made by, or for Cash Advances extended to, you or anyone else using such\nCredit Card unless the use of such Credit Card is by a person other than you (a) who does not have actual, implied or apparent authority for such\nuse, and (b) from which you received no benefit. Additionally, you shall be jointly and severally liable and agree to pay for all Purchases and Cash\nAdvances obtained through the use of any other Credit Card bearing your Account number that has been issued to another person by reason of\nsuch person being a member of your family, or otherwise issued upon your request (all such Credit Cards bearing your Account number are herein\ncollectively called "Related Credit Cards").\n\n3.\n\nAnnual Fee. You agree to pay to us an annual fee (if and as stated in the Pricing Agreement Disclosures) for participation in our Credit Card plan.\nSuch annual fee shall be imposed whether or not you use the Credit Card to obtain Purchases and Cash Advances. The annual fee shall be\ncharged to your Account each year in the month of our choice. The annual fee is not refundable in the event of termination of the Account by either\nyou or us unless otherwise provided for by law.\n\n4.\n\nOur Right to Cancel Your Account. We can cancel your Account at any time, or reduce the amount of your credit line, without notice to you, except\nin those situations where notice is required by law. If we cancel your Account, you agree to destroy all Credit Cards issued on your Account by\ncutting them in half and returning them to us. You will continue to be responsible for full payment of the balance on your Account and all charges to\nyour Account, including those not yet received by us, as well as subsequent interest and other charges. Each Credit Card is our property, and you\nagree that the Credit Cards are not transferable and to surrender any Credit Card upon demand.\n\n5.\n\nCredit Limit. You shall not use the Credit Card or permit the use of Related Credit Cards to obtain Purchases or Cash Advances which will increase\nyour indebtedness to us to an amount in excess of the limit established by us.\n\n6.\n\nCredit Card Acceptance. All Purchases and Cash Advances are subject to the approval of the Seller and Cash Advancing Bank, respectively, and\nwe shall not be responsible for refusal by any Seller or Cash Advancing Bank to honor the Credit Card or any Related Credit Card. Any refund,\nadjustment or credit allowed by Seller shall not be by cash but rather by a credit advice to us, which shall be shown as a credit on your Account\n\nUWAA FirstRewards World Mastercard (Tier D) 0320 UWPSCXHR\n\n\x0cstatement with us.\n7.\n\nStatements. We will send to you, at monthly intervals determined by us, a statement reflecting for the prior monthly period all Credit Card and\nRelated Credit Card transactions. Such statement shall be deemed correct and accepted by you and all holders of Related Credit Cards unless we\nare notified to the contrary in writing within 60 days of mailing of such statement. You will pay such statement by remitting to us within 25 days of\nthe closing date reflected on the statement either the full amount billed or, at your option, an installment equal to at least the required minimum\npayment stated above.\n\n8.\n\nInterest. Interest on Balance Transfers, Cash Advances and Purchases will be charged in accordance with the calculation method referred to in the\nPricing Agreement. The rate of interest shall be established by us from time to time, but shall never exceed the maximum rate permitted by law.\n\n9.\n\nDefault, Acceleration and Security. You will be in default, and we may, without notifying you, temporarily suspend your credit, close your Account,\ncancel all Credit Cards issued on it and require immediate payment of your entire balance if any of the following occurs:\na. You fail to make a payment when it is due.\nb. You do not follow the terms of this Agreement in any way.\nc. You have made a false or misleading statement on the application for your Account.\nd. You fail to pay any other loan you owe us.\ne. You become insolvent or die.\nf.\n\nThere is an attachment, execution or levy against your property or you make an assignment for the benefit of creditors.\n\ng. A bankruptcy is filed by or against you or your spouse.\nh. A guardian, conservator, receiver, custodian or trustee is appointed for you.\ni.\n\nYou are generally not paying your debts as they become due.\n\nj.\n\nThere has been a material adverse change in your financial standing.\n\nYou agree to pay all costs incurred by us in collecting our indebtedness or in enforcing this Cardholder Agreement, including reasonable attorney\xe2\x80\x99s\nand paralegal fees and also those costs, expenses and attorney\xe2\x80\x99s and paralegal fees incurred in appellate, bankruptcy and post-judgment\nproceedings, except to the extent such costs, fees or expenses are prohibited by law.\n10.\n\nClosing Your Account. You may close your Account at any time. If you close your Account, in order to avoid the accrual of interest and other fees,\nyou must immediately pay everything you owe us, including any amounts owed but not yet billed. If you do not pay, the Account will continue to\naccrue interest and other fees, and will remain subject to all the terms and conditions of this Cardholder Agreement. Upon closing the Account, you\nalso agree to destroy all Credit Card(s) and any unused Convenience Checks. If you close your Account, Credit Cards or Convenience Checks\nmay not be used.\n\n11.\n\nChange in Terms of Your Account. We can change any terms of your Account at any time. We will provide you with such notice as is required by\nlaw by mailing a notice to you at the latest address shown in our records.\n\n12.\n\nNotification of Changes. You agree to notify us within 20 days of any change in name, mailing address, telephone number or place of employment.\n\n13.\n\nGoverning Law. Except to the extent that Federal law is applicable, the validity, construction and enforcement of this Cardholder Agreement and all\nmatters arising out of the issuance and use of the Credit Card and your Account shall be governed by and interpreted in accordance with the laws\nof the State of Montana regardless of where you may reside or use your Account.\n\n14.\n\nLiability for Unauthorized Credit Card Use/Lost or Stolen Credit Card. If you notice the loss or theft of your Credit Card or possible unauthorized use\nof your Credit Card, you should write to us immediately at:\nFirst Interstate Bank\nPayment Services\nP. O. Box 30918\nBillings, MT 59116-0918\nOr call us at (866) 839-3485\nYou will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for any unauthorized use that occurs\nbefore your notice to us. In any case, your liability will not exceed $50.00.\nYou agree to notify us immediately if your Credit Card is ever lost or stolen or if any unauthorized use may have occurred. You agree to assist us in\ndetermining the facts, circumstances and other pertinent information relating to any loss, theft or possible unauthorized use of your Credit Card and\n\nUWAA FirstRewards World Mastercard (Tier D) 0320 UWPSCXHR\n\n\x0cto comply with such procedures as we may require in connection with our investigation, including assisting in the prosecution of any unauthorized\nuser.\n15.\n\nTelephone Monitoring. You agree that we and our agents or service companies may monitor and/or record any telephone communications with you\nor any cardholder.\n\n16.\n\nPayments. Payments must be made to us in U.S. Dollars drawn on a U.S. bank. Subject to applicable law, payments may be applied to what you\nowe us in any manner we choose in our sole discretion. We may accept checks marked "Payment in Full" or with words of similar effect without\nlosing any of our rights to collect the full balance of our Account.\n\n17.\n\nReevaluation of Credit. We can reinvestigate and reevaluate any information you provided on your credit application at any time, and in the course\nof doing so, we may ask you for additional information, request credit bureau reports and/or otherwise verify your current credit standing. You also\nacknowledge that we may periodically evaluate your creditworthiness utilizing a credit scoring process. The results of these investigations and\nevaluations could lead to a reduction or termination of your credit limit, changes in the APR applicable to your Account, or changes in other terms of\nyour Account. As required by law, you will be notified of these changes.\n\n18.\n\nRelease of Information. You agree that we may release information to others, such as credit bureaus, regarding the status and history of your\nAccount. However, we are not obligated to release any such information to anyone unless we are required by law to do so.\n\n19.\n\nProhibited Transactions. You shall not use the Credit Card for any illegal transaction. In addition, Federal Law, the Unlawful Internet Gambling\nEnforcement Act of 2006 prohibits commercial customers from conducting transactions related to illegal Internet gambling. As our credit card\ncustomer you agree to notify us if your Account is ever used for Internet gambling, even if you believe the activity to be legal. If you do not, we may\nclose your Account.\n\n20.\n\nWaivers. If, for any reason, we do not make use of any of our rights under this Cardholder Agreement on a particular occasion, that will not limit our\nrights in the future in any way.\n\n21.\n\nMastercard\xc2\xae Rules and Regulations. You agree that your Account shall be subject to all applicable rules and regulations of Mastercard\xc2\xae\nWorldwide, as applicable, as well as all applicable laws. If there is any conflict between the provisions of this Cardholder Agreement and the rules\nand regulations of Mastercard\xc2\xae Worldwide, the rules and regulations of Mastercard\xc2\xae Worldwide shall control.\n\nYOUR BILLING RIGHTS: KEEP THIS NOTICE 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:\nFirst Interstate Bank\nPayment Services\nPO Box 30918\nBillings, MT 59116-0918\nYou may also contact us by email at creditcards@fib.com\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required to investigate any potential errors\nand 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 already 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 correct.\n\nUWAA FirstRewards World Mastercard (Tier D) 0320 UWPSCXHR\n\n\x0cWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you\na statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think\nyou 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 refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill 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 Credit Card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been\nmore than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company\nthat 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 check that accesses your Credit\nCard 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 at:\nFirst Interstate Bank\nPayment Services\nPO Box 30918\nBillings, MT 59116-0918\nYou may also contact us by email at creditcards@fib.com\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At\nthat point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nImportant Notice \xe2\x80\x93 Please Read Carefully\nWe may report information about your account to credit bureaus.\nLate payments, missed payments, or other defaults on your\naccount may be reflected in your credit report.\nPlease contact Payment Services with any questions about\nthis notice at 1-888-833-3454.\n\nUWAA FirstRewards World Mastercard (Tier D) 0320 UWPSCXHR\n\n\x0c'