b'Credit Card Rate Disclosure\n\nInterest Rates and Interest\nCharges\n\nVisa Platinum\nOption 1\n\nVisa Platinum\nOption 2\n\nAnnual Percentage Rate (APR)\nfor Purchases\n\n10.90%\nFixed\n\n12.90%\nFixed\n\nAPR for Balance Transfers\n\n10.90%\nFixed\n\n12.90%\nFixed\n\nAPR for Cash Advances\n\n10.90%\nFixed\n\n12.90%\nFixed\n\nPenalty APR and When It Applies\n\nNone\nYour due date is at least 25 days for purchases, 0 days for\n\nHow to Avoid Paying Interest on cash advances after the close of each billing cycle. We will\nnot charge you interest on purchases if you pay your entire\nPurchases\nbalance by the due date(Grace Period) each month.\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than\n$0.00\n\nFor Credit Card Tips From the\nFederal Reserve Board\n\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Federal Reserve\nBoard at http://www.consumerfinance.gov/learnmore.\n\nFees\n\nVisa Platinum 1\n\nVisa Platinum 2\n\n$12.00\n\n$0.00\n\nAnnual Fee\nTransaction Fees\nBalance Transfer\n\n$0.00\n\nCash Advances\n\n$0.00\n\nForeign Transaction\n\n$1.0%\n\nPenalty Fees\nLate Payment*\n\nOver-the-Credit-Limit\n\n$27 1st occurrence and $37\nsubsequent occurrence\n$0.00\n\nReturned Payment*\n\n$27 1st occurrence and $37\nsubsequent occurrence\n*Late or Returned Payments will be charged $27 for the first occurrence and $37\nfor any subsequent occurrence of the same type that occurred during the same\nbilling cycle or during one of the next six billing cycles.\nHow We Will Calculate Your Balance:We use a method called "average daily balance"(including new\npurchases).*An explanation of this method is provided in your account agreement.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights\nis provided in your account agreement.\n\n\x0cYOUR BILLING RIGHTS\n\nWhen you use the ...\n\nThis notice contains important information\nabout your rights and our responsibilities\nunder the Fair Credit Billing Act.\nNOTIFY US IN CASE OF ERRORS OR\nQUESTIONS ABOUT YOUR\nSTATEMENT. If you think your\nstatement is wrong, or if you\nneed more information about a\ntransaction on your statement,\nwrite us on a separate sheet\nat the address listed on your\nstatement. Write to us as soon\nas possible. We must hear from\nyou no later than 60 days\nafter we sent you the first\nstatement on which the error\nor problem appeared. You can\ntelephone us, but doing so\nwill not preserve your rights.\n\nto pay any finance charges\nrelated to any questioned\namount. If we didn\'t make a\nmistake, you may have to\npay finance charges, and\nyou will have to make up\nany missed payments on the\nquestioned amount. In\neither case, we will send\nyou a statement of the\namount you owe and the date\nthat it is due.\n\nIf you fail to pay the\namount that we think you\nowe, we may report you as\ndelinquent. However, if our\nexplanation does not\nIn your letter, give us the\nsatisfy you and you write\nfollowing information:\nYour name and account number. to us within ten days\ntelling us that you still\nThe dollar amount of the\nrefuse to pay, we must tell\nsuspected error.\nanyone we reported you to\nDescribe the error and\nexplain, if you can, why you that you have a question\nabout your statement. And,\nbelieve there is an error.\nIf you need more information, we must tell you the name\ndescribe the item you are not of anyone we report you to.\nWe must tell anyone we\nsure about.\nreport you to that the\nmatter has been settled\nIf you have authorized us to\nbetween us when it finally\npay a credit card account\nautomatically from your share is.\naccount or sharedraft account,\nIf we don\'t follow these\nyou can stop the payment on\nany amount you think is wrong. rules, we can\'t collect the\nfirst $50 of the questioned\nTo stop the payment your\namount, even if your\nletter must reach us three\nstatement was correct.\nbusiness days before the\nautomatic payment is scheduled\nSPECIAL RULE FOR CREDIT\nto occur.\nCARD PURCHASES. If you have\na problem with the quality\nRESPONSIBILITIES AFTER WE\nof property or services\nRECEIVE YOUR WRITTEN NOTICE.\nthat you purchased with a\nWe must acknowledge your\nletter within 30 days, unless credit card, and you have\nwe have corrected the error by tried in good faith to\nthen. Within 90 days, we must correct the problem with\nthe merchant, you may have\neither correct the error or\nthe right not to pay the\nexplain why we believe the\nremaining amount due on the\nstatement was correct.\nproperty or services. There\nAfter we receive your letter, are two limitations on this\nright: (a) You must have\nwe cannot try to collect any\namount you question, or report made the purchase in your\nhome state or, if not\nyou as delinquent. We can\ncontinue to send statements to within your home state\nwithin 100 miles of your\nyou for the amount you\nquestioned, including finance current mailing address;\ncharges, and we can apply any and (b) The purchase price\nmust have been more than\nunpaid amount against your\ncredit limit. You do not have $50.\nto pay any questioned amount\nThese limitations do not\nwhile we are investigating,\nbut you are still obligated to apply if we own or operate\nthe merchant, or if we\npay the parts of your\nmailed you the\nstatement that are not in\nadvertisement for the\nquestion. If we find that we\nproperty or services.\nmade a mistake on your\nstatement, you will not have\n\nVISA Platinum Credit Card for the\npurchase of goods or services,\nthe following benefits are yours!\nTravel Accident Insurance\nYou, your spouse and dependent children up to\nage 19 (age 25 if a full-time student at any\ninstitution of higher learning) are\nautomatically covered with common carrier\ntravel accident insurance every time you\ntravel by air, bus, train, ship, taxi, or any\nother common carrier anywhere in the world\nwhen you charge your entire fare to our card.\nThis coverage is provided to you at NO EXTRA\nCOST.\n\nWith Visa Platinum Option 1 Only\nADVANTAGE-COMPLETE\nTravel Reservation Service\nConcierge Services\nPersonal Shopper\nPrescription Discounts\nPayment Card Registration\nKey Registration\nTravel Protection\n- Lost Luggage Locator\nService\n\nBonus Travel Dividends\nAutomobile Rental Insurance\nVision Care Discounts\nMedical Assistance Services\nQuarterly Newsletter\nAuto Rental Discount\n\n- Lost or Damaged Luggage\nInsurance\n- Hotel-Motel Burglary\n\nCARDCENTIVES-PREMIUM\n$1,000 Identity Theft\nInsurance\n\nIdentity Theft Victim\nAssistance\n\nPayment Card Registration\n\nTravel Reservation Service\n\n90-Days Product Protection\n\nExtended Warranty\n\nPersonal Shopper\n\nPrice Guaranty\n\nConcierge Services\n\nFamily Medical Information\nCard\n\n\x0c'


b'Visa Business Credit Card Agreement\nThis Business Credit Card Agreement ("Agreement") includes this document, any letter,\ncard carrier, card insert, addendums, any other document accompanying this Agreement,\nany application that you signed or submitted to the credit union, and any notification of\nchanges to this Agreement. The words "you" and "your" mean each person, each business\nor organization ("organization"), and each officer or owner of the organization who agrees\nto be bound by this Agreement as set forth below. The words we, our, us and "credit union"\nmeans the credit union whose name appears on this Agreement or anyone to whom the\ncredit union transfers this Agreement. The word "card" means the Visa or MasterCard\nbusiness credit card you receive from the credit union and any duplicates, renewals, or\nsubstitutions the credit union issues to you. The word "account" means the credit card line\nof credit account the credit union approves for you that is subject to this Agreement.\n1. PERSONS BOUND. By signing (in ink, electronically or digitally) any business loan\napplication stating your agreement to be bound by this Agreement or by using the card or\naccount we issue to you, or by authorizing an employee to use the card or account we issue\nto you, you agree to be bound by the terms of this Agreement. If you are an officer or\nowner obtaining an account for your organization, you agree to the terms of this Agreement\nin your personal capacity as well as your capacity as an officer or owner authorized to bind\nthe organization to this Agreement.\n2. USING YOUR ACCOUNT. If you are approved for an account, the credit union will\nestablish a line of credit for you. The amount of your credit limit is set forth on the\nAddendum accompanying this Agreement. You agree that your credit limit is the maximum\namount (purchases, cash advances, finance charges, plus "other charges") that you will\nhave outstanding on your account at any time. If you exceed your credit limit, you must pay\nthe amount you are over your limit plus any fees and unpaid finance charges before\npayments will begin to restore your credit limit. In addition, a fee may be imposed for\nexceeding your credit limit. 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\ncredit limit, refuse to make an advance and/or terminate your account at any time for any\nreason not prohibited by law. If you are permitted to obtain cash advances on your account,\nwe 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.\nIf you use a convenience check it will be posted to your account as a cash advance. We\nreserve the right to refuse to pay a convenience check drawn on your account for any\nreason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account.\nYou agree to pay any fee imposed to stop a payment on a convenience check issued on\nyour account. You may make a stop payment request orally, if permitted, or in writing. Your\nrequest must be made with sufficient time in advance of the presentment of the check for\npayment to give us a reasonable opportunity to act on your request. In addition, your\nrequest must accurately describe the check including the exact account number, the payee,\n\n\x0cany check number that may be applicable, and the exact amount of the check. You may\nmake a stop payment request orally but such a request will expire after fourteen (14) days\nunless you confirm your request in writing within that time. Written stop payment orders\nare effective only for six (6) months and may be renewed for additional six month periods\nby requesting in writing that the stop payment order be renewed. We are not required to\nnotify 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\ndescribing the dispute with the payee, to assign to us all of your rights against the payee or\nother holders of the check or draft and to assist us in any legal action. You agree to\nindemnify 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\npayment of an item as a result of incorrect information provided to us or the giving of\ninadequate time to act upon a stop payment request.\n3. STATEMENT OF BUSINESS PURPOSE. You agree that you have represented to us that you\nare obtaining your account for business purposes, that all purchases, cash advances,\nbalance transfers, use of any convenience checks issued on your account and any other use\nof your account will only be for a business purpose. You agree that you will never use your\naccount for any personal, household or family purposes.\n4. USING YOUR CARD. You may use your card to make purchases from merchants and\nothers who accept your card. The credit union is not responsible for the refusal of any\nmerchant or financial institution to honor your card. If you wish to pay for goods or services\nover the Internet, you may be required to provide card number security information before\nyou will be permitted to complete the transaction. In addition, the credit union may permit\nyou to obtain cash advances from the credit union, from other financial institutions that\naccept your card, and from some automated teller machines (ATMs). (Not all ATMs may\naccept your card.) If the credit union authorizes ATM transactions with your card, it will\nissue you a personal identification number (PIN). To obtain cash advances from an ATM,\nyou must use the PIN that is issued to you for use with your card. You agree that you will\nnot use your card for any transaction that is illegal under applicable federal, state or local\nlaw. Even if you use your card for an illegal transaction, you will be responsible for all\namounts and charges incurred in connection with the transaction. If you are permitted to\nobtain cash advances on your account, you may also use your card to purchase instruments\nand engage in transactions that we consider the equivalent of cash. Such transactions will\nbe posted to your account as a cash advance and include, but are not limited to, wire\ntransfers, money orders, bets, lottery tickets, and casino gaming chips. This paragraph shall\nnot be interpreted as permitting or authorizing any transaction that is illegal.\n5. RESPONSIBILITY. You agree to pay all charges (purchases and cash advances, balance\ntransfers, use of convenience checks and any other charge) to your account that are made\nby you or anyone whom you authorize to use your account. You also agree to pay all\nfinance charges and other charges added to your account under the terms of this\nAgreement or another agreement you made with the credit union. If there is more than one\nperson bound to this Agreement, each will be individually and jointly responsible for paying\nall amounts owed under this Agreement. If you are an organization, the officer or owner\nthat obtained the account for the organization is also personally obligated for all charges\nmade under the account. This means that the credit union can require any one of you to\nindividually repay the entire amount owed under this Agreement. In addition each person\nbound under this Agreement, as well as any authorized user, may make purchases\nindividually and, if cash advances are permitted for your account, may obtain cash advances\nindividually.\n\n\x0c6. INTEREST RATE. The Interest Rates applicable to purchases, cash advances, and balance\ntransfers are disclosed on the Addendum that accompanies this Agreement. Any penalty\nrate that may be imposed for failing to make a payment by the Payment Due Date is also\ndisclosed on the Addendum. These rates may be either fixed or variable as disclosed in the\nAddendum accompanying this Agreement. If the rate for your account is fixed, the rate\ncharged on purchases, cash advances, balance transfers, and any penalty rate will be fixed\nand will not vary from month to month unless we notify you in advance that the rate will\nchange. If the rate for your account is variable, as indicated on the accompanying\nAddendum, the rate charged on purchases, cash advances, balance transfers and any\npenalty rate will vary periodically as disclosed in the Addendum accompanying this\nAgreement. The initial rate on your account for certain types of transactions may be an\nintroductory discounted rate (Introductory Rate) that is lower than the rate that would\nordinarily apply for that type of transaction. If an Introductory Rate applies to your account,\nthe rates and the period of time it will be effective is shown on the Addendum\naccompanying this Agreement. After the Introductory Rate period expires, the Interest Rate\nwill automatically increase to the rates that would ordinarily apply for that type of\ntransaction based on the terms of this Agreement.\n7. FINANCE CHARGE CALCULATION METHOD FOR PURCHASES. New purchases posted to\nyour Account during a billing cycle will not incur a finance charge for that billing cycle if you\nhad 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\nstatement; otherwise a finance charge will accrue from the date a purchase is posted to\nyour Account. To avoid an additional finance charge on the balance of purchases, you must\npay the entire New Balance on the billing statement by the Payment Due Date of that\nstatement. The finance charge is calculated separately for purchases and cash advances.\nFor purchases, the finance charge is computed by applying the periodic rate to the average\ndaily balance of purchases. To get the average daily balance of purchases, we take the\nbeginning 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. Then, we add all\nthe daily balances of purchases for the billing cycle together and divide the total by the\nnumber of days in the billing cycle. This gives us the average daily balance of purchases.\n8. FINANCE CHARGE CALCULATION METHOD FOR CASH ADVANCES. A finance charge\nbegins to accrue on cash advances from the date you get the cash advance or from the first\nday of the billing cycle in which the cash advance is posted to your account, whichever is\nlater. For cash advances, the finance charge is computed by applying the periodic rate to\nthe average daily balance of cash advances. To get the average daily balance of cash\nadvances, we take the beginning outstanding balance of cash advances each day, add in\nany new cash advances, and subtract any payments and/or credits that we apply to the\ncash advance balance. This gives us the daily balance of cash advances. Then, we add all\nthe daily balances of cash advances for the billing cycle together and divide the total by the\nnumber of days in the billing cycle. This gives us the average daily balance of cash\nadvances.\n9. OTHER CHARGES. In addition to the Interest Rate, additional fees may be imposed on\nyour account. The amount and description of these fees are disclosed on the Addendum\naccompanying this Agreement.\n10. PAYMENTS. Each month you must pay at least the minimum payment shown on your\nstatement by the date specified on the statement or no later than twenty-five (25) days\nfrom the statement closing date, whichever is later. If your statement says the payment is\n\n\x0c"Now Due," your payment is due no later than twenty-five (25) days from the statement\nclosing date. All payments must be made in U.S. dollars and if made by a negotiable\ninstrument such as a check or money order, must be in a form acceptable to us and drawn\non a U.S. financial institution. You may pay more frequently, pay more than the minimum\npayment or pay the Total New Balance in full. If you make extra or larger payments, you\nare still required to make at least the minimum payment each month your account has a\nbalance (other than a credit balance). The minimum payment for your account is shown on\nthe Addendum accompanying this Agreement. In addition to the minimum payment, you\nmust also pay, by the date specified above, the amount of any prior minimum payment(s)\nthat you have not made, all outstanding unpaid fees and charges, and any amount you are\nover your credit limit. The credit union also has the right to demand immediate payment of\nany amount by which you are over your credit limit. Subject to applicable law, your\npayments may be applied to what you owe to the credit union in any manner the credit\nunion chooses. We may accept checks marked "payment in full" or with words of similar\neffect without losing any of our rights to collect the full balance of your account with us.\n11. FOREIGN TRANSACTIONS. If you make a purchase or obtain a cash advance in a foreign\ncurrency, the transaction will be debited from your account in U.S. dollars. Either Visa or\nMasterCard will convert the transaction into U.S. dollars depending on whether you\ncomplete the transaction with a Visa card or MasterCard or if the transaction is processed by\na network operated or affiliated with Visa or MasterCard. For transactions process through\nVisa, the exchange rate used to convert foreign currency transactions is a rate selected by\nVisa from a range of rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate Visa itself receives or the governmentmandated rate in effect for the applicable central processing date. For transactions\nprocessed through MasterCard, the exchange rate used to convert foreign currency\ntransactions to U.S. dollars is either a government-mandated exchange rate or a wholesale\nexchange rate that is selected by MasterCard. The rate MasterCard uses for a particular\ntransaction is the rate MasterCard selects for the applicable currency on the day the\ntransaction is processed. The exchange rate used to convert the transaction may differ from\nthe rate MasterCard or Visa receives and may differ from the rate applicable on the date the\ntransaction occurred or was posted to your account.\n12. COLLECTION COSTS. You agree to pay all costs of collecting the amount you owe under\nthis Agreement, including court costs and reasonable attorney\'s fee, as permitted by\napplicable state law.\n13. SECURITY INTEREST. If you give the credit union a specific pledge of shares by signing\na separate pledge of shares, your pledged shares will secure your account. You may not\nwithdraw amounts that have been specifically pledged to secure your account until the\ncredit union agrees to release all or part of the pledged amount. In addition, your account is\nsecured 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\nlose special tax treatment under state or federal law if given as security. These other shares\nmay be withdrawn unless you are in default under this Agreement. You authorize the credit\nunion to apply the balance in your individual or joint share accounts to pay any amounts\ndue on your account if you should default. Collateral securing other loans you have with the\ncredit union may also secure this loan, except that a dwelling will never be considered as\nsecurity for this account, notwithstanding anything to the contrary in any other agreement.\n14. DEFAULT. You will be in default if you fail to make any minimum payment or other\nrequired payment by the date that it is due. You will be in default if you; a) break any\n\n\x0cpromise you make under this Agreement; b) exceed your credit limit; c) are a natural\nperson, if you die; d) are an organization, you cease to exist; e) are an organization, you\nchange your legal structure so that the person obligating the organization to this Agreement\nis no longer authorized to bind it to legal agreements; f) file for bankruptcy or become\ninsolvent; g) make any false or misleading statements in any credit application or credit\nupdate; or h) if something happens that the credit union believes may substantially reduce\nyour ability to repay what you owe. When you are in default, the credit union has the right\nto demand immediate payment of your full account balance without giving you notice. If\nimmediate payment is demanded, you agree to continue paying finance charges, at the\nInterest Rate charged before default, until what you owe has been paid, and any shares that\nwere given as security for your account may be applied towards what you owe.\n15. CHANGING OR TERMINATING YOUR ACCOUNT. The credit union may change the terms\nof this Agreement and any attached Addendum from time to time. Notice of any change will\nbe given in accordance with applicable law. If permitted by law, the change will apply to\nyour existing account balance as well as to future transactions. Either you or the credit\nunion may terminate this Agreement at any time, but termination by you or the credit union\nwill not affect your obligation to pay the account balance plus any finance and other charges\nyou owe under this Agreement. You are also responsible for all transactions made to your\naccount after termination, unless the transactions were unauthorized. The card or cards you\nreceive remain the property of the credit union and you must recover and surrender to the\ncredit union all cards upon request or upon termination of this Agreement whether by you\nor the credit union. The credit union has the right to require you to pay your full account\nbalance at any time after your account is terminated, whether it is terminated by you or the\ncredit union.\n16. CHANGING OR TERMINATING AUTHORIZED USERS. Upon your request, we may issue\nadditional cards for authorized users that you designate. You must notify us in writing of\nany termination of an authorized user\'s right to access your account. Your letter must\ninclude the name of the authorized user and your account number and/or any subaccount\nnumber issued to the authorized user along with the authorized user\'s card and any\nconvenience or other access checks issued to the authorized user. If you cannot return the\nauthorized user\'s card or access checks and if you request your account to be closed, we\nwill close your account and you may apply for a new account.\n17. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION. You may be\nliable for the unauthorized use of your card or account. Notify us immediately, in writing or\nby telephone at the address or phone number on the Addendum included with this\nAgreement, if your card is lost, stolen or you suspect there has been unauthorized use of\nyour card or account. After we receive your notification, you will not be liable for any further\nunauthorized use of your card or account.\nIf you are an organization with 10 or more employees and we have issued 10 or more cards\non your account for use by your employees, you will be liable for all unauthorized use of\nyour cards or account before notification to us. Otherwise, you will be liable for up to $50\nfor the unauthorized use of your card or account before notification to us. Unauthorized use\ndoes not include use of a card by an authorized user in an unauthorized manner.\n18. CREDIT REVIEW AND RELEASE OF INFORMATION. You authorize the credit union to\ninvestigate your credit standing when opening or reviewing your account. You authorize the\ncredit union to disclose information regarding your account to credit bureaus and creditors\nwho inquire about your credit standing. If your account is eligible for emergency cash\n\n\x0cand/or emergency card replacement services, and you request such services, you agree\nthat we may provide personal information about you and your account that is necessary to\nprovide you with the requested service(s).\n19. RETURNS AND ADJUSTMENTS. Merchants and others who honor your card may give\ncredit for returns or adjustments, and they will do so by sending the credit union a credit\nwhich will be posted to your account. If your credits and payments exceed what you owe\nthe credit union, the amount will be applied against future purchases and cash advances. If\nthe credit balance amount is $1 or more, it will be refunded upon your written request or\nautomatically after six (6) months.\n20. ADDITIONAL BENEFITS/CARD ENHANCEMENTS. The credit union may from time to time\noffer additional services to your account, such as travel accident insurance or a liability\nwaver program, at no additional cost to you. You understand that the credit union is not\nobligated to offer such services and may withdraw or change them at any time.\n21. EFFECT OF AGREEMENT. This Agreement is the contract which applies to all transactions\non your account even though the sales, cash advances, credit or other slips you sign or\nreceive may contain different terms.\n22. NO WAIVER. The credit union can delay enforcing any of its rights any number of times\nwithout losing them.\n23. STATEMENTS AND NOTICES. Unless separate subaccounts have been set up under your\naccount for authorized users, statements and notices will be mailed to you at the most\nrecent address you have given the credit union. You agree to notify us at least 10 days in\nadvance of any change in address. Notice sent to any one person bound under this\nAgreement will be considered notice to all. If we have agreed to send statements for\nsubaccounts under your account that have been issued to authorized users, we will send\nstatements to the most recent address you have provided for that authorized user. You\nagree to notify us at least 10 days in advance of any change in address for an authorized\nuser. You are responsible for payment of all amounts shown on a statement delivered to an\nauthorized user.\n24. NOTIFICATION OF CHANGE IN LEGAL STRUCTURE, OFFICERS OR OWNERS. If you are\nan organization, you agree to notify us within 10 days of any change in your legal structure\nor any change in your officers or owners.\n25. SEVERABILITY AND FINAL EXPRESSION. This Agreement is the final expression of the\nterms and conditions of your account. This written Agreement may not be contradicted by\nevidence of any alleged oral agreement. Should any part of this Agreement be found to be\ninvalid or unenforceable, all other parts of this Agreement shall remain in effect and fully\nenforceable to the fullest extent possible under this Agreement.\n26. GAMBLING TRANSACTIONS PROHIBITED. You may not use your card to initiate any\ntype of gambling transaction.\n27. GOVERNING LAW. This Agreement is governed by the laws of the state of Florida.\n28. Visa Account Updater (VAU) \xe2\x80\x93 VAU is an account updating service in which your card\nis automatically enrolled. When your card(s) expire, are lost or stolen and new cards are\n\n\x0cissued, the service may update relevant card data (card numbers and expiration dates) to\nappropriate merchants who participate in an effort to facilitate uninterrupted processing of\nyour recurring charges. This service provides updates to a Visa database only. The database\nis accessed by those qualified merchants seeking your account information after you have\nrequested they process a recurring payment or payments. This service is provided as a free\nbenefit to you. If at any time you wish to opt-out of the VAU service or if you have any\nquestions, please call (850) 434-2211 to do so.\n28. NOTIFICATION INFORMATION FOR REPORTING LOST, STOLEN AND UNAUTHORIZED\nUSE OF CARD. Notify us at once if your card has been lost or stolen or if you suspect that\nyour card is being used without your permission at the following: (800) 299-9842 24 Hours\na day Seven (7) Days a Week or Write to: Customer Service, Box 30498 Tampa, FL 33630\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA SECURED/VISA PLATINUM/VISA GOLD/VISA\nCLASSIC/VISA CASH BACK\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 True Sky 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, the Credit Union issues to You. "Account" means the line of credit established by\nthis Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 3.00% of Your total New Balance, or $15.00,\n25.00 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$15.00,\n25.00 then Your Minimum Payment Due is the amount of the total New Balance.\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n03500798-MXC30-P-1-111417 (MXC303-E)\n\n\x0cYou 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.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nPage 2 of 5\n03500798-MXC30-P-1-111417 (MXC303-E)\n\n\x0care suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\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 26406,\nOklahoma City, OK, 73126 or call Us at (800) 448-1990, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n15. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n16. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n17. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\nPage 3 of 5\n03500798-MXC30-P-1-111417 (MXC303-E)\n\n\x0cpart 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\nOklahoma.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n24. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n25. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n26. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n27. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n28. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n29. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n30. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n31. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n32. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 4 of 5\n03500798-MXC30-P-1-111417 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 5 of 5\n03500798-MXC30-P-1-111417 (MXC303-E)\nVisa-CC-Agreement-and-Disclosure_Q3\n\n\x0c'


b'Visa Benefits\n\nShare\nSecured\n\n\xc2\xae\n\nWith card options to fit your individual\nneeds, True Sky Credit Union\xe2\x80\x99s Visa\xc2\xae Credit\nCards are sure to be a perfect fit.\nCash Back Card:\nCash back on every purchase\nNo annual fee\nbased transactions\nZero liability on purchases (PIN\ndo not apply)\nOnline payments and balances\nUp to $250,000 in travel accident insurance\nAuto rental insurance\nPlatinum and Gold Cards:\nScoreCard Rewards\nZero liability on purchases (PIN based transactions\ndo not apply)\n\nOnline payments and balances\nUp to $500,000 in travel accident insurance\nAuto rental insurance\nWarranty manager\nEmergency/travel assistance services\nEmergency card/cash disbursement\nCardholder inquiry service (800) VISA-911\nClassic Card:\nbased transactions\nZero liability on purchases (PIN\ndo not apply)\nOnline payments and balances\nUp to $250,000 in travel accident insurance\nAuto rental insurance\n\nPlatinum\n\nGold\n\nClassic\n\nCash Back\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for\nPurchases\n\n5.99%\n\n7.99%\n\n11.99%\n\n13.90%\n\n16.99%\n\nAPR for Balance Transfers and Cash Advances\n\n5.99%\n\n7.99%\n\n11.99%\n\n13.90%\n\n16.99%\n\nHow to Avoid Paying\nInterest on Purchases\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.\n\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\nBalance Transfer\n\n3% of the amount of each balance transfer. No grace period.\n\nCash Advance\n\nNo cash advance fee. No grace period on cash advances.\n\nForeign Transaction\n\n1.00% of each transaction in U.S. Dollars\n\nPenalty Fees\nLate Payment\n\nup to $25.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d. (including new purchases)\nBilling Rights. Information on your rights to dispute transactions and how to exercise those rights is\nprovided in your account Agreement.\nThis information is accurate as of July 2020\n2019 and is subject to change. You should contact us for any changes to this\ninformation at (800) 448-1990, or write to us at P.O. Box 26406, Oklahoma City, OK 73126. You have no grace period in\nwhich to repay your balance for cash advances before a finance charge will be imposed.\n\nTo report a lost or stolen card, call 800.453.4270.\n\nApply online at\nTrueSkyCU.org.\n\nTSCU_Visa_CC_Rate_Disclosure_Q3_2020\n\n\x0c'


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\x0cTITANIUM VISA SIGNATURE CREDIT CARD\nCREDIT & FEE DISCLOSURE (VARIABLE RATE)\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n0% introductory APR for 12 months on purchases made within 90 days of\naccount opening.\nAfter that, your APR will be\nbased on the Prime Rate.\n\nAPR for Balance Transfers\n\n5.99%. This APR will vary with the market\n\n0% introductory APR for 12 months on balance transfers processed within\n90 days of account opening.\nAfter that, your APR will be\nbased on the Prime Rate.\n\n5.99%. This APR will vary with the market\n\nAPR for Cash Advances\nYour APR will be\nthe Prime Rate.\nPaying Interest\n\n5.99%. This APR will vary with the market based on\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\nPenalty Fees\n\xe2\x80\xa2\nLate Payment\n\xe2\x80\xa2\nReturned Payment\n\n$59 after one year\nNo fee\n1.5% of the balance transfer amount or $50.00 whichever is greater\nUp to $25.00\nUp to $25.00\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'