b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nRATEFIRST MASTERCARD/REWARDSFIRST\nMASTERCARD\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 Verve, a 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 Mastercard\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\n11.21.17\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n04802550-MXC30-P-1-111417 (MXC303-E)\n\n\x0cthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\naccurately 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 2.00% 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 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.\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 Mastercard from a range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the rate Mastercard itself receives or the governmentmandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may\ndiffer from the rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash\nadvances and credits to Your Account. A foreign transaction is any transaction that You complete or a merchant\nPage 2 of 6\n\n11.21.17\n\n04802550-MXC30-P-1-111417 (MXC303-E)\n\n\x0ccompletes on Your Card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S.\nembassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\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. 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.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 Upon default, the entire outstanding balance due under this Agreement shall, unless excused by Our\nBoard of Directors, become immediately due and payable, subject only to any right to cure default which You may have\nunder Section 425.105 of the Wisconsin Statutes. A default shall be deemed to have occurred if (a) You fail to make\npayments when due on two occasions within any 12-month period, or (b) You fail to observe any other covenant of this\nAgreement, change marital status, change marital domicile or You or Your spouse become insolvent or subject of a\nbankruptcy or other insolvency proceeding, if such failure, act or occurrence materially impairs Your ability to pay the\namount due under this Agreement or breach of which materially impairs the condition, value or protection of the\nmerchant\'s rights in any collateral securing the transaction. In addition, notwithstanding Sections 425.103 and 425.105 of\nthe Wisconsin Statutes, in the event We receive a notice of termination of this Agreement from the spouse of a borrower\npursuant to Section 766.565(5), Wisconsin Statutes, We may declare the entire outstanding balance of the Agreement\nimmediately due and payable. If immediate payment is demanded, You agree to continue paying finance charges at the\nperiodic rate charged before the default, until what You owe has been paid, and any shares that were given as security for\nYour Account may be applied towards what You owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 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 2900 Universal St,\nOshkosh, WI, 54904 or call Us at (800) 448-9228, Monday through Friday during regular business hours or (800) 5282273, 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. However, if You exercise reasonable care in safeguarding Your\nCard from risk of loss or theft and, upon discovering the loss or theft promptly report the loss or theft to Us, You will not be\nliable for any unauthorized transactions. In any case, Your liability for unauthorized transactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. 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\nPage 3 of 6\n\n11.21.17\n\n04802550-MXC30-P-1-111417 (MXC303-E)\n\n\x0cYou 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.\n14. 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.\n15. 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.\n16. 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.\n17. 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.\n18. 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.\n19. 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.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nWisconsin.\n21. 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.\n22. 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.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. OVERDRAFT PRIVILEGE \xe2\x80\x94 You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft\nAccount, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding\nbalance on Your Mastercard Credit Card Account, subject to the finance charge provisions set forth in \xe2\x80\x9cINTEREST AND\nFINANCE CHARGES\xe2\x80\x9d as described for cash advances, and will be subject to all terms and conditions of this Agreement.\nThe Mastercard Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft\nAccount. Overdrafts are not allowed for the purpose of making loan payments, including Mastercard Credit Card\npayments, at the Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is\nalso subject to a separate agreement between You and the Credit Union. Where the terms of any other agreement\nbetween You and the Credit Union conflict with the terms of this Agreement, the terms of this Agreement will control.\n25. 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.\n26. 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.\n27. 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.\nPage 4 of 6\n\n11.21.17\n\n04802550-MXC30-P-1-111417 (MXC303-E)\n\n\x0c28. 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.\n29. 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.\n30. 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.\n31. 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.\n32. 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.\n33. 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.\n34. 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.\nMASTERCARD IS A REGISTERED TRADEMARK, AND THE CIRCLES DESIGN IS A TRADEMARK OF\nMASTERCARD INTERNATIONAL INCORPORATED.\n\nPage 5 of 6\n\n11.21.17\n\n04802550-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 6 of 6\n\n11.21.17\n\n04802550-MXC30-P-1-111417 (MXC303-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nRATEFIRST MASTERCARD/REWARDSFIRST MASTERCARD\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nRateFirst Mastercard\n\nto\n\n, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nRewardsFirst Mastercard\n\nto\n\n, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPR for Balance Transfers\n\nAPR for Cash Advances\n\nRateFirst Mastercard\nto\n, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nRewardsFirst Mastercard\nto\n, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nRateFirst Mastercard\nto\n, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nRewardsFirst Mastercard\nto\n, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nPenalty APR and When it Applies\n\nRateFirst Mastercard\nNone\nRewardsFirst Mastercard\nNone\n\nHow to Avoid Paying Interest on\nPurchases\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.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nSet-up and Maintenance Fees\n- Annual Fee\n- Application Fee\n\nNone\nNone\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04802550-MXC10-P-1-092617 (MXC101-E)\n\n\x0cTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nNone\n$5.00\n1.00% of each transaction in U.S. dollars\nNone\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of:\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the RateFirst Mastercard and RewardsFirst Mastercard are secured credit cards. Credit\nextended under this credit card account is secured by various personal property and money including, but not\nlimited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for\nthis account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the\nCredit Union excluding shares in an Individual Retirement Account or in any other account that would lose\nspecial tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit\nUnion excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods\nwhen you 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 five or more days late in making a\npayment.\nCash Advance Fee (Finance Charge):\n$5.00.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nDocument Copy Fee:\n$2.00 per document.\nStatement Copy Fee:\n$2.00 per document.\nDesign Your Own Card:\n$10.00.\nConvenience Check Stop Payment Fee:\n$32.00.\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\n04802550-MXC10-P-1-092617 (MXC101-E)\n\n\x0c'


b'PrimeWay VISA Additional Disclosures\nThese Additional Disclosures are incorporated by reference into your PrimeWay Visa Credit Card Agreement\nand Disclosure Statement. Please retain this document with your Credit Card Agreement and Disclosure\nStatement for future reference.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases and\nBalance Transfers\n\n7.49%- 12.99% APR\n\nAnnual Percentage Rate\n(APR) for Cash Advances\n\n17.95% APR\n\nPenalty Rate and When it\nApplies\n\nNone\n\nPaying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on purchases and balance transfers if you pay your entire\nbalance by the due date each month. We will begin charging interest on cash\nadvances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from\nthe Federal Reserve Board\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Federal Reserve Board at\nhttp://www.federalreserve.gov/creditcard.\n\nThis APR will vary with the market based on the Prime Rate.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Foreign Transaction\n\nUp to 1% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\nRevised 07/01/2013\n\nUp to $25\nUp to $25\nFederally Insured by the NCUA.\n\n\x0cCredit Card Agreement and Disclosure Statement for Your\nPrimeWay FCU Visa Account\nNotice: Read and retain this copy of your Credit Card Agreement\nand Disclosure Statement for future reference. Your agreement\nto these provisions, as amended from time to time will be shown\nby your application for the card, your signature on the credit\nagreement, your acceptance of the card, or your use of the card,\nwhichever occurs first.\nTERMS USED IN THIS AGREEMENT: This Agreement and\nDisclosure Statement (\xe2\x80\x9cAgreement\xe2\x80\x9d) covers your MasterCard\xc2\xae\nAccount (\xe2\x80\x9cAccount\xe2\x80\x9d). In this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d\nmean any person who signs the application or uses the Card. \xe2\x80\x9cWe,\xe2\x80\x9d\n\xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cus\xe2\x80\x9d mean PrimeWay Federal Credit Union, the issuer of\nyour Visa or its successors. The \xe2\x80\x9cCard\xe2\x80\x9d means any credit card issued\nto you or those designated by you under the terms of this Agreement.\n\xe2\x80\x9cUse of the Card\xe2\x80\x9d means any procedure used by you or someone\nauthorized by you, to make a purchase or an advance whether or not\nthe purchase or advance is evidenced by a signed written document.\n\xe2\x80\x9cUnauthorized use of the Card\xe2\x80\x9d means the use of the Card by a\nperson, other than you, who does not have actual, implied, or\napparent authority for such use, and from which you receive no\nbenefit. In this Agreement, any plural terms shall be deemed singular\nand any singular terms shall be deemed plural when context and\nconstruction so require.\nEXTENSION OF CREDIT: If your application is approved, we may, at\nour discretion, establish an Account in your name and cause one or\nmore Cards to be issued to you or those designated by you. In such\nevent, you authorize us to pay for your Account all items reflecting\ncredit purchases and cash advances obtained through use of the\nCard.\nJOINT APPLICANT LIABILITY: If more than one person signs the\napplication, each of you shall be jointly and individually liable to us for\nall charges made to the Account, including applicable fees. In\naddition, you agree that each of you designates the other as agent for\nthe purpose of making purchases extended under this Agreement and\neach use of your Account shall be an extension of credit to all. Notice\nto one of you shall constitute notice to all. Any joint cardholder may\nremove himself or herself from responsibility for future purchases at\nany time by notifying us in writing. However, removal from the\nAccount does not release you from any liability already incurred.\nCONVENIENCE CHECKS: We may issue checks at our discretion\nthat may be used for any purpose other than making a payment for\ncredit to your Account. By signing such checks, you authorize us to\npay the item for the amount indicated and post such amount as a\ncash advance to your Account. We do not have to pay any item that\nwould cause the outstanding balance in your Account to exceed your\ncredit limit. Charges that apply in connection with the use of\nConvenience Checks are set forth in the Additional Disclosures, which\nare incorporated by reference into this Agreement and will be\nprovided to you after your application has been approved.\nConvenience Check Charges will be assessed at the time they are\nincurred.\nOTHERS USING YOUR ACCOUNT: If you allow anyone else to use\nyour Account, you will be liable for all credit extended to such\npersons. You promise to pay for all purchases and cash advances\nmade by anyone you authorize to use your Account, whether or not\nyou notify us that he or she will be using it. If someone else is\nauthorized to use your Account and you want to end that person\xe2\x80\x99s\nprivilege, you must notify us in writing, and if he or she has a Card,\nyou must return the Card with your written notice for it to be effective.\nCREDIT LIMITS: You promise that payments we make for your\nAccount resulting from use of the Card will at no time cause the\n\noutstanding balance of your Account to exceed your credit limit as\nestablished by us or as adjusted from time to time at our discretion.\nCash advances are limited to 50% of your credit limit. If you exceed\nyour credit limit, we can still charge you for all purchases and\nadvances without giving up any of our rights. If you write a\nConvenience Check that causes you to exceed your credit limit, we\nare under no obligation to pay such check, and it may be returned to\nthe payee unpaid at our option.\nPROMISE TO PAY: You promise to pay us in U.S. dollars for (a) all\npurchases, balance transfers, and cash advances made by you or\nanyone whom you authorize to use the Card or Account; (b)\nINTEREST CHARGES and other charges and fees; (c) collection\ncosts and attorney\xe2\x80\x99s fees as permitted by applicable law, and any\ncosts incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you. At the end of each\nmonthly billing cycle for which you have a balance on your Account,\nyou will be furnished with a periodic statement showing (i) the\n\xe2\x80\x9cPrevious Balance\xe2\x80\x9d (the outstanding balance in the Account at the\nbeginning of the billing cycle), (ii) the amount of all cash advances,\nbalance transfers, purchases, Late Payment Fees, INTEREST\nCHARGES, and other charges and fees posted to your Account\nduring the billing cycle, (iii) the amount of all payments and credits\nposted to your Account during the billing cycle, and (iv) the \xe2\x80\x9cNew\nBalance\xe2\x80\x9d which is the sum of (i) and (ii) minus (iii). You agree to pay\non or before the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d shown on the monthly periodic\nstatement the entire New Balance or a Minimum Payment equal to an\namount which is at least 1% of the New Balance or $25 whichever is\ngreater, plus current fees and INTEREST charges, plus any amount in\nexcess of the credit limit established by us and any past due minimum\npayments. If the New Balance is $25 or less, you agree to pay it in\nfull. You may make extra payments in advance of the due date\nwithout a penalty, and you may repay any funds advanced, credit\nextended, or amount outstanding at any time without a penalty for\nearly payment. Regardless of the amount of any extra payment during\na given month, a monthly payment will be required the following\nmonth if a balance remains in your Account. Subject to applicable law,\nyour payments may be applied to what you owe the Credit Union in\nany manner the Credit Union chooses.\n\nCOST OF CREDIT: You will pay an INTEREST CHARGE for all\nadvances made against your Account. INTEREST CHARGES for\ncash advances begin to accrue on the date of the advance. New\npurchases, including balance transfers, will not incur an INTEREST\nCHARGE on the date they are posted to your Account if you have\npaid the Account in full by the Payment Due Date shown on your\nprevious monthly statement, or if there was no previous balance. The\nPayment Due Date will be not less than 25 days from the billing cycle\nclosing date shown on your statement. No additional INTEREST\nCHARGE will be imposed on purchases whenever you pay the\nAccount in full on or before the Payment Due Date reflected on your\nstatement.\nThe ANNUAL PERCENTAGE RATE for all purchases and balance\ntransfers is variable and may increase. The ANNUAL PERCENTAGE\nRATE is based on an index (the \xe2\x80\x9cIndex\xe2\x80\x9d), which is the Prime Rate as\npublished in the Money Rates section of The Wall Street Journal on\nthe last business day of the calendar month and is subject to change\nmonthly. Any change in the Index will be effective on the first day of\nthe billing cycle following the date of the change. An increase in the\nIndex will result in an increase in the Daily Periodic Rate, which in\nturn, may result in higher payments. The ANNUAL PERCENTAGE\nRATE for all advances in any given billing cycle will be the Index plus\na margin. Your specific margin, initial Daily Periodic Rate, and\ncorresponding ANNUAL PERCENTAGE RATE are set forth in the\nAdditional Disclosures, which will be provided to you after your\napplication is approved.\n\nThe ANNUAL PERCENTAGE RATE for all cash advances is fixed at\n17.95% ANNUAL PERCENTAGE RATE.\nIn addition to the variable-rate aspects of your Account, for all Card\ntypes except for the Share Secured Card Account, the ANNUAL\nPERCENTAGE RATE for all advances is also based on certain\ncreditworthiness criteria. Except for the Share Secured Card Account,\nafter your Account has been open for at least one year, we may\nreview your creditworthiness from time to time, including when you\nrequest a credit limit increase, and adjust the periodic rate and\nANNUAL PERCENTAGE RATE for your Account by notifying you in\naccordance with applicable law. If your ANNUAL PERCENTAGE\nRATE is changed based on your creditworthiness, your margin for all\nadvances will be adjusted. The current range of periodic rates and\nANNUAL PERCENTAGE RATES applicable to your Account based\non the current Index are set forth in the Additional Disclosures.\nIncreases in your ANNUAL PERCENTAGE RATE due to changes in\nyour creditworthiness will remain in effect for at least six months and\nmay remain in effect indefinitely. Any change in your ANNUAL\nPERCENTAGE RATE due to changes in your creditworthiness will\nonly apply to advances made after the effective date of the change.\nBalances existing before the effective date of the change will remain\nsubject to the ANNUAL PERCENTATE RATE in effect before the date\nof the change until paid in full.\nA portion of the INTEREST CHARGE is figured by applying the\napplicable Daily Periodic Rate to the Average Daily Balance of your\nAccount for each feature category, including certain current\ntransactions. Feature categories include purchases, balance\ntransfers, and cash advances. The Average Daily Balance is arrived\nat by taking the beginning balance of each feature category each day\nand adding any new transactions to the balance, except if you have\npaid your Account in full by the Payment Due Date shown on the\nprevious monthly statement or there is no previous balance, new\npurchases and new balance transfers are not added to their\nrespective feature category balances. Balance transfers may be\nshown on your statement in the Promotions feature category. When\ndetermining balances, we may combine feature category balances\nthat have the same periodic rate and other finance charge terms. We\nthen subtract any payments or credits and unpaid INTEREST\nCHARGES allocated to the feature category balance for the day. This\ngives us the daily balance for the feature category. The daily balances\nfor each feature category are then added together and divided by the\nnumber of days in the billing cycle. The result is the Average Daily\nBalance for each feature category. The periodic INTEREST CHARGE\nis determined by multiplying each feature category Average Daily\nBalance by the number of days in the billing cycle and applying the\napplicable Daily Periodic Rate to the product. The Total INTEREST\nCHARGE for each statement period is the sum of the periodic\nINTEREST CHARGES for each feature category plus any nonperiodic INTEREST CHARGES.\nCASH ADVANCE FEE: If your Account features Cash Advance Fee,\nthe amount of the Cash Advance Fee is set forth in the Additional\nDisclosure.\nLATE PAYMENT FEE: If we do not receive your required Minimum\nPayment within ten (10) days of the Payment Due Date, we may\ncharge you a Late Payment Fee as set forth in the Additional\nDisclosures.\nRETURNED PAYMENT FEE: We will charge you a Returned\nPayment Fee as set forth in the Additional Disclosures each time you\nsend us a payment that is returned unpaid for any reason. We will\ncharge you this fee the first time any payment is returned unpaid,\neven if it is paid upon resubmission.\nLate Payment Fees and Returned Payment Fees will be added to the\nbalance of your Account and treated as a purchase.\n\nANNUAL FEE: If your Account features an Annual Fee, an Annual\nFee as set forth in the Additional Disclosures will be charged to your\nAccount on or around the anniversary date of the opening of your\nAccount. The Annual Fee will be charged each year your Account is\nopen or has a balance due, even if charging privileges have been\nterminated.\nLIABILITY FOR UNAUTHORIZED USE: You may be liable for the\nunauthorized use of your Card. If you notice the loss or theft of your\nCard or a possible unauthorized use of your Card, you should call us\nimmediately at:\n(713) 799-6200 or (800) 442-4757\nYou may also write us at:\nPrimeWay Federal Credit Union\nP.O. Box 53088\nHouston, TX 77052-3088\nAlthough you may write to notify us of unauthorized use, calling us\nimmediately at the telephone number(s) above is the best way to keep\nyour possible losses down.\nUnder MasterCard\xe2\x80\x99s zero liability policy, you will not be liable for\nany unauthorized use of your Visa once you notify us orally or in\nwriting of the loss, theft, or possible unauthorized use and you meet\nthe following conditions: (1) you have exercised reasonable care with\nyour Card; (2) you have not reported two or more incidents of\nunauthorized use of your Card within the previous 12 months; and (3)\nyou have maintained your Account in good standing. MasterCard\xe2\x80\x99s zero\nliability policy does not apply to cash advances obtained at an ATM.\nYou will not be liable for any unauthorized use that occurs after you\nnotify us. You may, however, be liable for unauthorized use that\noccurs before your notice to us. In any case, your liability will not\nexceed $50.00.\nCREDITING OF PAYMENTS: We do not charge for payments made\nby regular mail service or other standard payment methods we offer. If\nwe charge a fee for any expedited payment service we offer, that fee\nwill be disclosed to you at the time you request the service. You may\nsubmit payments by mail to our designated address, by telephone\nthrough any expedited payment service we may offer, by Internet\nthrough any payment service we may offer, and at any of our branch\noffices. All payments made on your Account at the address\ndesignated for payment on the monthly periodic statement or through\nother approved payment methods will generally be applied to your\nAccount on the date of receipt. If the date of receipt for a mailed\npayment is not a business day, your payment may not be credited\nuntil the first business day following receipt. All payments on your\nAccount will be applied first to collection costs, then to any INTEREST\nCHARGE and other fees due, and then to the unpaid principal\nbalance. However, in every case, in the event you make a payment in\nexcess of the required minimum periodic payment, the Credit Union\nwill allocate the excess amount first to the balance with the highest\nannual percentage rate and any remaining portion to the other\nbalances in descending order based on applicable annual percentage\nrate. Interest paid or agreed to be paid shall not exceed the maximum\namount permissible under applicable law, and in any contingency\nwhatsoever, if we shall receive anything of value deemed interest\nunder applicable law which would exceed the maximum amount of\ninterest permissible under applicable law, the excessive interest shall\nbe applied to the reduction of the unpaid principal amount or refunded\nto you.\n\n\x0cSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL\nSECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS\nYOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE\nREPAYMENT OF CREDIT EXTENSIONS MADE UNDER THIS\nAGREEMENT. THE GRANTING OF THIS SECURITY INTEREST IS\nA CONDITION FOR THE ISSUANCE OF ANY CARD THAT YOU\nMAY USE, DIRECTLY OR INDIRECTLY, TO OBTAIN EXTENSIONS\nOF CREDIT UNDER THIS AGREEMENT.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal\nlaw if given as security are not subject to the security interest you are\ngiving.\nADDITIONAL SECURITY: If you have other loans with us, now or in\nthe future, collateral securing those loans may also secure your\nobligations under this Agreement. You understand that you should\nread any security agreement you sign in order to determine if the\ncollateral also secures your obligations under this Agreement and any\nother agreements you have with us.\nDEFAULT: You will be in default: (i) if you fail to make any payment\non time; (ii) if you exceed your authorized credit limit; (iii) if you fail to\nkeep any promises you have made under this or any other agreement\nwith us; (iv) if you become insolvent or are the subject of an order of\nrelief under Title 11 of the U.S. Code (Bankruptcy); (v) if anyone tries,\nby legal process, to take any of your money maintained with us; (vi) if\nyou have given us false or inaccurate information in obtaining your\nCard; (vii) if we reasonably believe that you are unable or unwilling to\nrepay your obligations to us; (viii) if you do not act or fail to do any act\nwhich the Credit Union believes endangers your ability to repay what\nyou owe, including but not limited to, leaving your current\nemployment, or (ix) if you fail to report the Card lost or not in your\npossession.\nACCELERATION: If you are in default, without notice to you we may\naccelerate your debt and call any amounts you owe immediately due\nand payable, plus INTEREST CHARGES that will continue to accrue\nuntil the entire amount is paid. You expressly waive any right to notice\nof our intent to accelerate and right to notice that your debt has been\naccelerated. You agree that, once you are informed by the Credit\nUnion or its designee that your Account is in default, you will not\nattempt to make further cash advances or purchases on the Account.\nCREDIT INVESTIGATION: In conjunction with your application for\ncredit and, if approved, maintenance of your Account, you agree that\nwe have the right to investigate your credit and employment history, to\nverify your credit references, to request and use credit reports.\nNOTIFICATION ADDRESS FOR INFORMATION REPORTED TO\nCONSUMER REPORTING AGENCIES: We may report the status\nand payment history of your Account to credit reporting agencies each\nmonth. Late payments, missed payments, or other defaults on your\nAccount may be reflected in your credit report. If you believe that the\ninformation we have reported is inaccurate or incomplete, please\nnotify us in writing at PrimeWay Federal Credit Union, P.O. Box\n53088, Houston, TX 77052-3088. Please include your name, address,\ncontact telephone number, and Account number, and identify the\ninformation you believe is in error. If your notification relates to an\nalleged incident of identity theft, we will require a copy of your identity\ntheft report filed with law enforcement authorities.\nTERMINATION AND CHANGES: You may terminate this Agreement,\nby written notice, as to future advances at any time. We can terminate\nthis Agreement at any time subject to such notice as may be required\nby applicable law. Termination by either party shall not affect your\nobligation to repay any payments made for your Account resulting\n\nfrom use of the Card as well as INTEREST CHARGES and other\nrelated charges. We may add to, change, or delete the terms of this\nAgreement, including the Daily Periodic Rate and ANNUAL\nPERCENTAGE RATE, at any time subject to such notice as may be\nrequired by applicable law. If you use your Card or Account to make a\npurchase or obtain a cash advance after having been given notice of\na change in terms, you agree that, to the extent permitted by law, the\nexisting balance in your Account at the time of that use will be subject\nto the new terms, as shall subsequent uses.\nILLEGAL TRANSACTIONS: You may not use your Card or Account\nfor any illegal transaction. You agree that we may decline to process\nany transaction that we believe in good faith to be for an illegal\npurpose. You agree that we will not be liable for declining to process\nany such transaction. If we do process any transaction that ultimately\nis determined to have been for an illegal purpose, you agree that you\nwill remain liable to us under this Agreement for any such transaction\nnotwithstanding its illegal nature. You agree that any illegal use of the\nCard will be deemed an act of default under this Agreement. You\nfurther agree to waive any right to take legal action against us for your\nillegal use of the Card and to indemnify and hold us Visa International,\nInc. harmless from and against any lawsuits, other legal action, or\nliability that results directly or indirectly from such illegal use.\n\nextension under this Agreement if you know there is a reasonable\nprobability that you will be unable to repay your obligation according\nto the terms of the credit extension. You promise to inform us of any\nnew information which relates to your ability to repay your obligation.\nYou promise not to submit false or inaccurate information or willfully\nconceal information regarding your creditworthiness, credit standing,\nor credit capacity.\n\nADDITIONAL PROVISIONS: Each provision of this Agreement must\nbe considered part of the total Agreement and cannot in any way be\nsevered from it. However, if any provision of this Agreement is finally\ndetermined to be void or unenforceable under any law, rule, or\nregulation, all other provisions of this Agreement will remain valid and\nenforceable. You understand that the validity, construction, and\nenforcement of this Agreement is governed by the laws of the State of\nTexas to the extent not preempted by applicable federal law, and it is\nperformable in Harris County, Texas. We do not warrant any\nmerchandise or services purchased by you with the Card. All\npurchases and cash advances are extended at the option of the\nmerchant or cash-advancing financial institution and we are not\nresponsible for the refusal of any merchant or financial institution to\nhonor your Card. The Card remains our property at all times, and you\nagree to immediately surrender the Card upon demand. You agree to\npay all reasonable costs of collection, including court costs and\nattorney\xe2\x80\x99s fees, and any costs incurred in the recovery of the Card.\nWe can accept late payments or partial payments, or checks or\nmoney orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without losing any of our rights\nunder this Agreement. We can also delay enforcing any of our rights\nunder this Agreement without losing them. You expressly waive\npresentment for payment, demand, protest, and notice of protest and\ndishonor of same. You agree to give us prompt notice of any change\nin your name, mailing address, telephone number or place of\nemployment. You promise not to obtain an advance or credit\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nThe charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\nWhile you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\nRECEIPT OF AND AGREEMENT TO TERMS AND CONDITIONS\nOF AGREEMENT: By signing an application for the Card or by using\nthe Card, you agree to all the terms and conditions and promise to\nperform all the obligations, requirements, and duties contained in this\nAgreement, and you acknowledge receipt of a copy of this\nAgreement.\nPrimeWay Federal Credit Union, P.O. Box 53088, Houston, TX\n77052-3088 issues your credit card under this Agreement.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under\nthe Fair Credit Billing Act.\nWhat to Do if You Find a Mistake on Your Statement\n\nINTERNATIONAL TRANSACTIONS: If you effect an international\ntransaction with your MasterCard, Visa International Incorporated will\nconvert the charge into a U.S. dollar amount. Visa International will\nuse its currency conversion procedure, which is disclosed to\ninstitutions that issue Visa cards. Currently the currency conversion\nrate used by Visa International to determine the transaction amount in\nU.S. dollars for such transactions is generally either a governmentmandated exchange rate or a wholesale exchange rate selected by\nVisa International for the applicable currency on the day the\ntransaction is processed, which rate may differ from the applicable\nrate on the date the transaction occurred or when the transaction is\nposted to your Account. We will charge a Foreign Transaction Fee of\nup to 1% in U.S. dollars on all international purchase, cash\ndisbursement, and Account credit transactions, even if there is no\ncurrency conversion. There is no grace period in which to repay an\ninternational transaction in order to avoid the assessment of the\nForeign Transaction Fee.\n\n\xe2\x80\xa2\n\nIf you think there is an error on your statement, write to us at:\nPrimeWay Federal Credit Union\nAttn: Credit Card Department\nP.O. Box 53088\nHouston, TX 77052-3088\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If you think there is an error on\nyour statement, describe what you believe is wrong and\nwhy you believe it is a mistake.\n\nYou must contact us:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\n\nYou must notify us of any potential errors in writing. You may call us,\nbut 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\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount\nin question or any interest or other fees related to that\namount.\nIf we do not believe there was a mistake: You will have to\npay the amount in question along with applicable interest\nand fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you\nas delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your\nstatement is wrong, you must write to us within 10 days\ntelling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that\nyou are questioning your statement. We must tell you the\nname of anyone to whom we reported you as delinquent,\nand we must let those organizations know when the\nmatter has been settled between us.\nIf we do not follow all of the rules above, you do not have\nto pay the first $50 of the amount you question even if\nyour bill is correct.\n\nYour Rights if You are Dissatisfied with Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to\npay the remaining amount due on the purchase. To use this right, all\nof the following must be true:\n1. The purchase must have been made in your home state or within\n100 miles of your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are necessary\nif your purchase was based on an advertisement we mailed to you, or\nif we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that accesses\nyour credit card account do not qualify.\n3. You must not yet have fully paid for the purchase. If all of the\ncriteria above are met and you are still dissatisfied with the purchase,\ncontact us in writing at:\n\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe your\nstatement is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\nPrimeWay Federal Credit Union\nAttn: Credit Card Department\nP.O. Box 53088\nHouston, TX 77052-3088\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not\npay, we may report you as delinquent.\n\nCUSTOMER SERVICE: (800) 442-4757 - 24 hours a day/7 days a\nweek. (Please have Account information available).\n\n\x0c'


b'VISA VARIABLE RATE AND FIXED RATE\nCLASSIC AND GOLD CARDS AGREEMENT\nAND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT\nIn this Agreement and Disclosure Statement the words \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d mean each and all of those that apply for, sign or use the VISA Variable\nRate and/or VISA Fixed Rate Classic and Gold Card(s), or those who authorize another to sign or use the Card(s). \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d and \xe2\x80\x9cOur\xe2\x80\x9d mean Coast Central\nCredit Union.\n\xe2\x80\x9cCard\xe2\x80\x9d means the VISA Variable Rate and/or VISA Fixed Rate Classic and Gold Card(s) issued to you and any duplicate and/or renewals we may issue.\n\xe2\x80\x9cAccount\xe2\x80\x9d means your VISA Variable and/or VISA Fixed Rate Classic and Gold Card(s) Account with us.\nYou agree to the following terms and conditions and any amendments thereto. By requesting and receiving, signing, using or permitting others to use a card\nissued to you by us, you agree to the following terms:\nTHE FOLLOWING TERMS AND CONDITIONS APPLY ONLY TO VISA VARIABLE RATE CLASSIC AND GOLD CARD ACCOUNTS:\nNotice:\n\nThis Document Contains Provisions For A VARIABLE ANNUAL PERCENTAGE RATE.\n\nINTEREST CHARGE:\n\nThe INTEREST CHARGE for a Billing Cycle will be the sum of two (2) components:\n\n(1)\n\nCASH ADVANCE FEE: One (1) component of the INTEREST CHARGE is the Cash Advance Fee. Cash and other Advance Transactions are\nsubject to a Cash Advance Fee equal to 2% of the total amount of Cash Advance Transactions, or $10.00, whichever is greater, which are posted to\nyour Account during the Billing Cycle (not to exceed the maximum rate permitted by California Credit Unions during the Billing Cycle).\n\n(2)\n\nMONTHLY PERIODIC INTEREST CHARGE, MONTHLY PERIODIC RATE, and NOMINAL ANNUAL PERCENTAGE RATE: The second\n(2nd) component of the INTEREST CHARGE is the Monthly Periodic INTEREST CHARGE. The Initial Periodic Rate used in calculating the\nMonthly Periodic INTEREST CHARGE is the Monthly Periodic Rate indicated on Addendum \xe2\x80\x9cA\xe2\x80\x9d (attached). The Monthly Periodic INTEREST\nCHARGE for each Billing Cycle will be calculated by applying the Average Daily Balance (see explanation below) for your account during the\nBilling Cycle by the Monthly Periodic Rate. The Monthly Periodic Rate is determined by dividing the ANNUAL PERCENTAGE RATE by 12 and\nwill change when the ANNUAL PERCENTAGE RATE changes.\n\nHOW WE DETERMINE CHANGES IN YOUR NOMINAL ANNUAL PERCENTAGE RATE: The nominal ANNUAL PERCENTAGE RATE may\nincrease or decrease during the term of this Agreement. Any such change will be based on an increase or decrease, rounded to the nearest 1/8 of 1% point of\nthe most recent \xe2\x80\x9cPrime Rate\xe2\x80\x9d as published by the Wall Street Journal. This "Prime Rate" is available as of March 1, June 1, September 1 and December 1 of\neach year (herein \xe2\x80\x9cIndex\xe2\x80\x9d). If more than one rate is listed under the heading \xe2\x80\x9cPrime Rate\xe2\x80\x9d in the Wall Street Journal, you agree that the prime rate used by us\nfor purposes of calculating the Index shall be the base prime rate as on corporate loans posted by at least 75% of the nation\xe2\x80\x99s 30 largest banks. In the event\nthat the Wall Street Journal ceases publishing the \xe2\x80\x9cPrime Rate\xe2\x80\x9d changes in the ANNUAL PERCENTAGE RATE will be related to a comparable Index.\nThe ANNUAL PERCENTAGE RATE is determined by adding a \xe2\x80\x9cMargin\xe2\x80\x9d to the Index in effect as of each Adjustment Date. The Index and Margin in effect\nas of the date of this Agreement are indicated on Addendum \xe2\x80\x9cA\xe2\x80\x9d (attached). We may waive an increase in the ANNUAL PERCENTAGE RATE when such\nan increase can be made, but such a waiver shall not be constructed as a waiver of our right to increase the ANNUAL PERCENTAGE RATE at a future date\nwhen entitled to do so.\nThe ANNUAL PERCENTAGE RATE is subject to change every three months on the day following my \xe2\x80\x9cStatement Closing Date\xe2\x80\x9d in March, June, September\nand December of each year. These dates shall be shown as \xe2\x80\x9cAdjustment Dates.\xe2\x80\x9d The Index in effect in March shall be used to calculate the ANNUAL\nPERCENTAGE RATE change effective as of the first day of the next Billing Cycle in March of the same year. The Index in effect in June shall be used to\ncalculate the ANNUAL PERCENTAGE RATE change effective as of the first day of the next Billing Cycle in June of the same year. The Index in effect in\nSeptember shall be used to calculate the ANNUAL PERCENTAGE RATE change effective as of the first day of the next Billing Cycle in September of the\nsame year. The Index in effect in December shall be used to calculate the ANNUAL PERCENTAGE RATE change effective as of the first day of the next\nBilling Cycle in December of the same year. There is no maximum ANNUAL PERCENTAGE RATE during the term of this Note, except that the maximum\nmay not exceed the maximum ANNUAL PERCENTAGE RATE permitted by California Credit Unions at the time of each ANNUAL PERCENTAGE RATE\nchange. The minimum ANNUAL PERCENTAGE RATE during the term of this Agreement is indicated on Addendum \xe2\x80\x9cA\xe2\x80\x9d (attached). Decreases in the\nANNUAL PERCENTAGE RATE in accordance with the terms of the Agreement are mandatory. Increases in the ANNUAL PERCENATGE RATE in\naccordance with the terms of the Agreement are at our discretion. If the ANNUAL PERCENATGE RATE and corresponding monthly Periodic Rate increases\nor decreases the INTEREST CHARGE will increase or decrease. Each change in the ANNUAL PERCENATGE RATE and the corresponding monthly\nPeriodic Rate will apply to any unpaid balance on the effective date of such change as well as to future purchases and advances.\nANNUAL CARDHOLDER FEE: We will assess an Annual Cardholder Fee of $15.00 for each year your account is open, whether or not you use your\naccount and regardless of the number of cards issued on your account. You can avoid such Annual Cardholder Fee if you terminate your Account within (30)\ndays after the date of the Periodic Statement in which the Annual Cardholder Fee is posted. Otherwise, the Annual Cardholder Fee will not be refunded in\nwhole or in part and shall be owed to us by you even if your account is subsequently changed, suspended, closed or terminated for any reason.\nTHE FOLLOWING TERMS AND CONDITIONS APPLY ONLY TO VISA FIXED RATE CLASSIC AND GOLD CARDS:\nINTEREST CHARGE: The INTEREST CHARGE for a Billing Cycle will be the sum of two (2) components:\n(1)\nCASH ADVANCE FEE: One (1) component of the INTEREST CHARGE is the Cash Advance Fee. Cash and other Advance Transactions are\nsubject to a Cash Advance Fee equal to 2% of the total amount of Cash Advance Transactions, or $10.00, whichever is greater, which are posted to\nyour Account during the Billing Cycle (not to exceed the maximum rate permitted by California Credit Unions during the Billing Cycle).\n(2)\n\nMONTHLY PERIODIC INTEREST CHARGE, MONTHLY PERIODIC RATE, and NOMINAL ANNUAL PERCENTAGE RATE: The second\n(2nd) component of the INTEREST CHARGE is the Monthly Periodic INTEREST CHARGE. The Monthly Periodic INTEREST CHARGE for\neach Billing Cycle will be calculated by multiplying the Average Daily Balance (see explanation below) for your Account for the Billing Cycle by\nthe Monthly Periodic Rate. The Monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE are indicated on Addendum \xe2\x80\x9cA\xe2\x80\x9d\n(attached).\nckc04/12\n\n\x0cTHE FOLLOWING TERMS AND CONDITIONS APPLY TO BOTH VISA VARIABLE RATE AND VISA FIXED RATE CLASSIC AND GOLD\nCARD ACCOUNTS:\nCALCULATION OF THE AVERAGE DAILY BALANCE: We calculate the Average Daily Balance (the balance which is subject to the Monthly\nPeriodic Rate) as follows: The Average Daily Balance for your Account for a Billing Cycle is the average of the daily balances for each day of the Billing\nCycle. To calculate the daily balance each day, we take the following steps: We take the unpaid balance (all amounts you owe) at the start of the day. Then, in\nthe sequence in which the amounts post to your Account, we add the amounts of all debits and subtract the amounts of all payments and credit, which post to\nyour Account that day. Payments are applied first to any unpaid INTEREST CHARGE from previous Billing Cycles, then to any late charge, and then to the\nbalance of your Account. Credits are applied to the particular type of debit which is being credited, if any, and then to the balance of your Account. After\napplying payments and credits, we subtract any amount of INTEREST CHARGE, and late charge which remains unpaid. Then we also subtract the amount of\nany Cash Advance transaction that posts to your Account on that day or any previous day in the same Billing Cycle. The result is the daily balance for that\nday. We add together all the daily balances for each day and divide the total by the number of days in the Billing Cycle. The result is the Average Daily\nBalance for that Billing Cycle.\nNote that Cash Advance transactions which are posted to your Account during a Billing Cycle are not included in the Average Daily Balance for that cycle,\nand are therefore not subject to the Monthly Periodic Rate during that cycle. However, they are included in the New Balance shown on the statement for that\ncycle, and are therefore also included in the unpaid balance at the start of the first day of the next Billing Cycle.\nPlease also note that if the total of the payments and credits, which are posted to your Account by the Payment Due Date shown on a statement, is equal to or\nexceeds the New Balance shown on the statement, we will not apply the Monthly Periodic Rate to your Account on your next Statement.\nFinally, if any statement shows a Previous Balance that is zero or is a credit balance, we will not apply the Monthly Periodic Rate to your Account on that\nstatement.\nYour Total Periodic INTEREST CHARGE for the Billing Cycle is the sum of the Periodic INTEREST CHARGES on the Purchases Balance and the Periodic\nINTEREST CHARGES on the Advance Transactions Balance for the Billing Cycle. This determines your Periodic INTEREST CHARGE for the Billing\nCycle. Actual INTEREST CHARGES (Periodic INTEREST CHARGE, and Cash Advance charges) will be shown on your Monthly Statement.\nPAYMENT: You promise to repay us at our office, or at the address set forth on your monthly statement, all sums advanced to you or any person you\npermit to use this Account on the terms and the rates set forth herein. Payments will continue until you have paid in full the unpaid balance, INTEREST\nCHARGE and any other fees or charges. If your ANNUAL PERCENTAGE RATE is changed (as applicable) pursuant to the provisions set forth above, the\nnumber of payments required to repay the unpaid balance will be affected accordingly. You understand that each payment is applied first to unpaid fees and\ncharges then to unpaid INTEREST CHARGES, if any, then to the Purchases Balance, and then to Cash Advances.\nMINIMUM PAYMENT: Every month, you must pay at least the Current Payment Due by the Payment Due Date shown on your Account Statement. By\nseparate agreement, you may authorize us to charge the Current Payment Due automatically to your share or checking account with us. You may, of course,\npay more frequently, pay more or pay the total New Balance in full, and you will reduce your interest charge by doing so. The Minimum Payment will be\neither (a) 4% of your total New Balance, rounded up to the next even dollar, or $15.00, whichever is greater, or (b) your total New Balance, if it is less than\n$15.00. In addition, you must pay any amount shown on your statement as past due and any late charge. Also, at any time your New Balance exceeds your\nCredit Limit, you must pay the excess.\nYour Minimum Monthly Payment is applied in the following order: (a) unpaid fees and charges, if any, (b) unpaid Periodic INTEREST CHARGE, (c) unpaid\nbalance on purchases, and (d) unpaid balance of cash advances.\nLATE CHARGE: If we do not receive your minimum payment by the due date listed on your statement, you may have to pay a $10.00 late fee.\nCREDIT LIMIT: We will establish a Credit Limit for you. You agree not to let the unpaid balance exceed this Credit Limit. You agree to advise us of any\nchange in your financial condition that may affect your creditworthiness. You agree that you shall update the credit information that you have provided us,\nfrom time to time, on our demand. You may request an increase in your Credit Limit, but Credit Limit increases must be approved by us.\nBILLING CYCLES AND DUE DATES: For Visa Gold Cards, billing cycles end on the 10th of each month and payment is due on the 7th of the following\nmonth. For Visa Classic Cards, billing cycles end on the 15th of each month and payment is due on the 12th of the following month.\nPURCHASES AND CASH ADVANCES: You may make purchases and request advances in accordance with current loan policies up to your Credit Limit.\nYou understand that all purchases and other transactions requested by you are subject to our approval.\nPREPAYMENTS OR IRREGULAR PAYMENTS: Though you need only pay the Minimum Payment in accordance with the terms and conditions set\nforth herein, you understand that you have the right to repay your loan at any time without penalty. You also understand you will only be charged Periodic\nINTEREST CHARGES to the date you repay our entire loan. You may make larger payments without penalty and this may reduce the total amount of\nINTEREST CHARGES that you will repay. Any partial payment of your loan will not advance your next payment due date(s). You understand that any\npayment that (a) delays or (b) accelerates the repayment of your unpaid balance will (a) increase or (b) decrease your INTEREST CHARGES.\nDEFAULT: You will be in default (1) if you do not pay on time or in the proper amount; (2) you fail to abide by the terms of this Agreement; (3) your\ncreditworthiness is impaired; or (4) you become insolvent, die or are the subject of bankruptcy or receivership proceedings. In the event of any action by us to\nenforce this Agreement, you agree to pay the costs thereof, reasonable attorney\xe2\x80\x99s fees, and other expenses. You understand that INTEREST CHARGES at the\nPeriodic ANNUAL PERCENTAGE RATE as permitted under this Agreement will continue to accrue until you repay your entire loan.\nACCELERATION AND COLLECTION COSTS: If you are in default, we may demand immediate payment of the unpaid balance, INTEREST\nCHARGES, late charges, annual fees and collection costs. You understand that you will be subject to INTEREST CHARGES (at the applicable Periodic\nRate), late charges, annual fees and collection costs under the terms disclosed in this Agreement, until you repay your entire loan. You also agree to pay your\nreasonable attorney\xe2\x80\x99s fees and court costs.\nRESPONSIBILITY: You agree to repay us according to the terms of this Agreement for all purchases, advances, INTEREST CHARGES, late charges, and\nannual fees, if any, arising from the use of this Account by you or any other person you permit to use your Account, even if that person exceeds your\npermission. Any person using the Account is jointly and severally responsible with you.\nCHANGE OF TERMS: This Agreement is the contract which applies to all transactions on your Account, even through the sales, credit or other slips you\nsign or receive may contain different terms. You understand that we may amend, modify, add to, or delete from this Agreement any of its terms and\nconditions, including the method of application and the amount of INTEREST CHARGES, effective as to any unpaid balance and any subsequent advance, by\nmailing a notice of the change to your last known address. You also understand that any such notice will be mailed at least forty five (45) days prior to the\nckc04/12\n\n\x0ceffective date of the change as required by Federal or other law. Notice of a change of terms is required, but may be sent as late as the effective date of the\nchange where the change has been agreed to, in writing, by you.\nTERMINATION: We may terminate this Agreement upon your default. Either we or you may terminate this Agreement for other good cause. In no event\nshall any termination relieve you of your obligation to repay sums already borrowed, INTEREST CHARGES, late charges and fees, if any.\nTRANSACTION SLIPS: Your statement will identify the merchant, electronic terminal or financial institution at which transactions are made, but sales,\nadvance, credit or other slips cannot be returned with your statement. You will retain the copy of such slips furnished at the time of the transaction in order to\nverify your monthly statement. We may make a reasonable charge for any photostatic copies of slips you request.\nCREDIT INFORMATION: You authorize us to investigate your credit standing when opening, renewing or reviewing your Account, and you authorize us\nto disclose information regarding your Account to credit bureaus and other creditors who inquire of us about your credit standing to the extent authorized by\nlaw.\nSURRENDER OF CARD(S): The Card(s) remains our property and, if we request, you must surrender to us all cards we have issued on your Account.\nLOST OR STOLEN CARDS: To report lost or stolen card(s), the Account Number, PIN or any combination of the three, please call us at (707) 445-8801\nor (800) 974-9727, Monday through Friday, between the hours of 8:30 AM to 5:30 PM. After hours, weekends or holidays call (800) 682-6075. (If the lost or\nstolen card(s) is reported to the 800 number, you must still notify us the next working day at (707) 445-8801 or (800) 974-9727).\nUNAUTHORIZED USE: You may be liable for the unauthorized use of your card. You will not be liable for unauthorized use that occurs after you notify\nus of the loss, theft or possible unauthorized use in writing at: Coast Central Credit Union, 2650 Harrison Avenue, Eureka, California 95501 or by telephone\nat the numbers listed above.\nUSING THE CARD: To make a purchase or obtain an advance, there are two alternative procedures to be followed. One is for you to present the card or\ncard number to a participating VISA plan merchant, to us or to another financial institution, and sign or authorize a sales or cash advance draft. The order is to\ncomplete the transaction by using your Personal Identification Number (PIN) in conjunction with the card in an Automated Teller Machine (ATM) or other\ntype of electronic terminal that provides access to the VISA system.\nYour VISA card and/or account may not be used for any illegal activity or transaction. Further, you may not utilize your VISA card and/or account for the\npurchase of any goods or services on the Internet that involves gambling of any sort. Such transactions include, but may not be limited to, a quasi-cash or\nonline gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of\nlottery tickets or casino gaming chips or off-track betting or wagering. However, in the event that a charge or transaction described in this paragraph is\napproved and processed, you will still be responsible for such charges.\nELECTRONIC FUNDS TRANSFERS: In the event a use of your card, or the account number of the card, constitutes an Electronic Funds Transfer, the\nterms and conditions of your Electronic Funds Transfer Agreement and Disclosure with us shall govern such transactions to the extent the Electronic Fund\nTransfer Agreement and Disclosure expands or amends this Agreement.\nMERCHANT DISPUTES: In order for a transaction to be eligible for dispute, you must first attempt to resolve the issue with the merchant. Your right to\ndispute will depend upon their stated terms, conditions, and return policy. If goods were received, you must return them to the merchant and provide us with\nsupporting documentation, including a tracking number and proof of insurance. You may file a dispute if no credit is received after 15 days from the return\nshipment date. For international purchases, if you do not or cannot return the item(s) for any reason, a dispute cannot be processed.\nWe are not responsible for the refusal of any merchant or financial institution to honor your card. We are subject to claim and defenses (other than tort claims)\narising out of goods or services you purchase with the card only if you have made a good faith attempt but have been unable to obtain satisfaction from the\nmerchant, and (a) your purchase was made in response to an advertisement we sent or participated in sending you, or (b) your purchase cost more than $50.00\nand was made from a merchant in your state or within 100 miles of your current mailing address. Any other dispute must be resolved directly with the\nmerchant.\nQUASI-CASH TRANSACTIONS: There is a $1,000.00 per day limit on \xe2\x80\x9cQuasi-Cash\xe2\x80\x9d transactions. A Quasi-Cash transaction is defined as the sale of an\nitem that converts to cash, such as transactions performed at a casino cash cage, casino gaming chips, money orders, deposits, wire transfer money orders,\ntravelers\xe2\x80\x99 cheques and Visa Travel/Money cards.\nFOREIGN TRANSACTIONS: Purchases and Advances made in foreign countries and foreign currencies will be billed to you in U.S. Dollars. The\nconversion rate to dollars, in accordance with VISA operating regulations for international transactions, will be at a rate selected by VISA from the range of\nrates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date. For each instance, any third-party currency conversion fees will be added.\nEXCHANGE RATES: VISA USA charges us a 0.8% International Service Assessment on all international transactions, regardless of whether there is a\ncurrency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. In either case, we pass this international\ntransaction fee on to you. An international transaction is a transaction where the country of the merchant is located outside of the USA.\nTransactions made in foreign countries and foreign currencies will be billed to you in U.S. dollars. The conversion rate to dollars, in accordance with VISA\noperating regulations for international transactions, will be: (1) a rate selected by VISA from the range of rates available in wholesale currency markets for\nthe applicable central processing date, which rate may vary from the rate VISA itself receives, or (2) the government-mandated rate in effect for the\napplicable central processing date.\nPAYMENTS MARKED \xe2\x80\x9cPAID IN FULL\xe2\x80\x9d: We may accept checks, money orders, or other types of payment marked \xe2\x80\x9cPayment In Full\xe2\x80\x9d or use other\nlanguage to indicate full satisfaction of any indebtedness, without being bound by such language or waiving any rights under this Agreement. We shall accept\nfull satisfaction of indebtedness only in a written agreement, signed by an authorized representative of Coast Central Credit Union.\nRETURNS AND ADJUSTMENTS: Merchants and others who honor the Card may give credit for returns or adjustments, and they will do so by sending\nyou a credit slip which we will post to your Account. If your credits and payments exceed what you owe us, we will hold and apply this credit balance against\nfuture purchases and cash advances, or if it is $1.00 or more, refund it upon your written request or automatically after six (6) months.\nSIGNATURES AND RECEIPTS: Some merchants are not required to provide a receipt for purchases under $25.00 unless the cardholder requests one, and\nmay not require a signature for these amounts. If you do not receive a receipt for one of these purchases, you should request one from the merchant.\nDELAY IN ENFORCEMENT: We can delay enforcing any of our rights under this Agreement without losing them.\nckc04/12\n\n\x0cGOVERNING LAW: You understand and agree that this Agreement is made in California and shall be governed by the laws of the State of California to\nthe extent that California law is not inconsistent with Federal law. You also understand that California\xe2\x80\x99s choice of law rules shall not be applied if they would\nresult in the application of non-California law.\nINTEGRATED DOCUMENT (S): Any sheet of paper labeled \xe2\x80\x9cAdditional Disclosure-Federal Truth-In-Lending Act\xe2\x80\x9d which is delivered together with this\nform is and integrated part of this Agreement.\nCHANGE OF NAME, ADDRESS, EMPLOYMENT STATUS:\nemployment status.\n\nYou understand and agree that you must report to us any change of name, address or\n\nNOTICE: See the statement below for important information regarding your right to dispute billing errors.\nCOPY RECEIVED: You acknowledge receipt of a copy of this VISA Variable Rate and/or VISA Fixed Rate Classic and Gold Card(s) Agreement and\nFederal Truth-In-Lending Disclosure Statement and agree to and accept its terms.\n\nYOUR BILLING RIGHTS (Keep this Notice for future use):\nThe words \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d mean each and all of those who are subject to the VISA VARIABLE RATE and/or VISA FIXED RATE CLASSIC\nAND GOLD CARD(S) Card Agreement. The words \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d mean Coast Central Credit Union. This notice contains important information\nabout your rights and responsibilities under the Fair Credit Billing Act.\nNOTIFICATION IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR STATEMENT\nIf you think your statement is wrong, or if you need more information about a transaction on your account, you must write to us on a separate sheet at the\naddress listed on your statement. You should write to us as soon as possible. We must hear from you no later than sixty (60) days after we sent you the first\nstatement on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights.\nIn your letter, you should provide us with the following information:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nYour full name and account number.\nThe dollar amount of the suspected error.\nDescribe the error and explain, if you can, why you believe there is an error. If you need information, you will describe the item you are not sure about.\n\nIf you have authorized us to pay your credit card statement automatically from your account, you can stop the payment on any amount that you think is wrong. To stop\nthe payment, your letter must reach us three (3) business days before the automatic payment is scheduled to occur.\nYOUR RIGHTS AND RESPONSIBILITIES AFTER WE RECEIVE YOUR WRITTEN NOTICE\nWe must acknowledge your letter within thirty (30) days, unless we have corrected the error by then. Within ninety (90) days, we must either correct the error or\nexplain why we believe the statement 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 in question,\nincluding INTEREST CHARGES, and we can apply any unpaid amount against your credit limit. You do not have to pay any questioned amount while we are\ninvestigating, but you are still obligated to pay the parts of the statement that are not in question.\nIf we find that we have made a mistake on your statement, you will not have to pay any INTEREST CHARGES related to any questioned amount. If we did not make\na mistake, you may have to pay INTEREST CHARGES, and you will have to make up any missed payments on the questioned amount. In either case, we will send you\na statement of the amount you owe and the date that it is due.\nIf 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 us within ten (10)\ndays telling us that you still refuse to pay, we must tell anyone we report you to that you have questions about your statement. And, we must tell you the name of\nanyone we reported you to. We must also tell anyone we report you to that the matter has been settled between us when it finally is.\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 problem with the\nmerchant, you may have the right not to pay the remaining amount due on the property or services. There are two limitations on this right:\nA)\nYou 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,\nB)\nThe purchase must have been more than $50.00.\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\nAnnual Percentage\nRate for\nPurchases\n\nGrace Period for\nRepayment of the\nBalance for Purchases\n\nFixed Rate- See Addendum \xe2\x80\x9cA\xe2\x80\x9d\nVariable Rate- See Addendum \xe2\x80\x9cA\xe2\x80\x9d\n\n25-28 days\n\nAnnual\nFee\n\nFixed Rate- None\nVariable Rate- $15.00\n\nMethod of\nComputing the\nBalance for Purchases\nAverage Daily Balance\n(including current\ntransactions)\n\nMinimum\nInterest\nCharge\nNone\n\nTransaction Fee\nFor Purchases\n\nTransaction Fee For\nCash Advances\n\nBalance\nTransfer Fee\n\nLate\nPayment Fee\n\nNone\n\n2% of\nCash Advance or\n$10.00, whichever is\ngreater.\n\n2% of\nbalance transferred or\n$10.00, whichever is\ngreater.\n\n$10.00\n\nckc04/12\n\n\x0cADDENDUM \xe2\x80\x9cA\xe2\x80\x9d TO\nVISA VARIABLE AND FIXED RATE GOLD CARDS\nAND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT\nThe Coast Central Credit Union VISA Variable and Fixed Rate Classic and Gold Card Agreement and Federal Truth-In-Lending Disclosure Statement are\nincorporated herein as set forth in full. The rates and terms are set forth below.\nThe following applies only to VISA Variable Rate Gold Card Accounts:\nThe Initial Rate used in calculating the monthly INTEREST CHARGE is the Monthly Periodic Rate of 0.5583% (corresponding initial ANNUAL PERCENTAGE\nRATE OF\n3.50%.\n\n6.70%).\n\nThere is no minimum ANNUAL PERCENTAGE RATE during the term of this agreement. The index as of the date of the agreement is\n\nThe following applies only to VISA Fixed Rate Gold Card Accounts:\nThe Monthly Periodic Rate for your account is 1.163% (corresponding ANNUAL PERCENTAGE RATE OF\non balance transfers. There is a fee for cash advances of 2% or $10, whichever is greater.\n\n13.95%). Please note that there are no fees\n\nPlease see reverse for Addendum \xe2\x80\x9cA\xe2\x80\x9d to Visa Variable and Fixed Rate Classic Cards.\nVisa Rate Effective 3/11/16\n\nADDENDUM \xe2\x80\x9cA\xe2\x80\x9d TO\nVISA VARIABLE AND FIXED RATE CLASSIC CARDS\nAND FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENT\nThe Coast Central Credit Union VISA Variable and Fixed Rate Classic and Gold Card Agreement and Federal Truth-In-Lending Disclosure Statement are\nincorporated herein as set forth in full. The rates and terms are set forth below.\nThe following applies only to VISA Variable Rate Classic Card Accounts:\nThe Initial Rate used in calculating the monthly INTEREST CHARGE is the Monthly Periodic Rate of 0.6417% (corresponding initial ANNUAL PERCENTAGE\nRATE OF\n3.50%.\n\n7.70%).\n\nThere is no minimum ANNUAL PERCENTAGE RATE during the term of this agreement. The index as of the date of the agreement is\n\nThe following applies only to VISA Fixed Rate Classic Card Accounts:\nThe Monthly Periodic Rate for your account is 1.246% (corresponding ANNUAL PERCENTAGE RATE OF\non balance transfers. There is a fee for cash advances of 2% or $10, whichever is greater.\n\n14.95%). Please note that there are no fees\n\nPlease see reverse for Addendum \xe2\x80\x9cA\xe2\x80\x9d to Visa Variable and Fixed Rate Gold Cards.\nVisa Rate Effective 3/16/16\n\n\x0c'