b"AMERICA\xe2\x80\x99S FIRST FEDERAL CREDIT UNION CREDIT CARD AGREEMENT\nVisa\xc2\xae Platinum-Pro Credit Card Agreement\n\nIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d means each person responsible for\npaying this Account. \xe2\x80\x9cCard\xe2\x80\x9d means the Visa PLATINUM-PRO CREDIT CARD\nand any duplicates or renewals we issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your Visa\nPLATINUM-PRO Credit Card Account with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d means\nAmerica's First Federal Credit Union, its successors and assigns.\n1. RESPONSIBILITY. You agree to be jointly and severally bound by all terms\nand conditions in this Agreement and on the Card if you use your Card or permit\nothers to do so including convenience checks that we may provide to you. You\npromise to repay all purchases and cash advances which are posted to your\naccount. You also promise to pay all finance charges, fees, including an Annual\nFee if applicable to your account and other charges assessed on your Account\nor under this Agreement. Your payments must be in U.S. Dollars from a U.S.\nfinancial institution. You will pay no less than the minimum monthly payment as\nindicated on your statement each month. If you make extra or larger payments,\nyou are still required to make at least the minimum monthly payment each\nmonth that your account has a balance. The minimum monthly payment for your\naccount shall be the greater of 2% of your outstanding balance or $10.00.\n2. LOST CARD NOTIFICATION. If you believe the Card has been lost or stolen,\nyou will immediately call us at 1-800-325-3678. Twenty Four hours a day. Seven\ndays a week.\n3. AUTHORIZED AND UNAUTHORIZED USE OF THE CARD. You may use\nyour card to obtain cash advances or purchases. You will be jointly and severally\nliable for all authorized use of your Card, for all credit extended by us in\nconnection with your Card, regardless of your credit limit. You may be liable for\nthe unauthorized use of your Card. You will not be liable for unauthorized use\nthat occurs after you notify us orally or in writing of the loss, theft or possible\nunauthorized use in a timely manner. In any case, your liability will not exceed\n$50.00. You agree to assist us in ascertaining the facts and circumstances\nrelating to any unauthorized use of the Card. You may not use the Card for any\nillegal or unlawful transaction, including but not limited to internet gambling, and\nwe may decline to authorize any transaction that we believe to be unlawful. The\nuse of the Card to perform an illegal transaction is a condition of default and we\nmay terminate your right to use the account and you agree to indemnify us for\nany losses suffered as a result of the illegal activity.\n4. CREDIT INFORMATION. You authorize us to investigate your\ncreditworthiness when opening, renewing or reviewing your Account. Upon our\nrequest, you agree to update any credit information you have previously\nfurnished us. You also authorize us to request and provide information\nconcerning your credit history from and to other creditors and credit reporting\nagencies.\n5. CREDIT LIMIT. A credit limit will be assigned to you by us and will be\ndetermined by the information submitted on your credit application, and by other\ncredit information received by us. You may not allow the balance of your account\nto exceed the approved credit limit. We may in our discretion, allow advances\nfrom your account in excess of your credit limit, and these advances are subject\nto all the provisions of this Agreement. You agree to repay any amount over your\ncredit limit immediately upon demand. The credit limit applicable to your account\nwill be disclosed on each monthly statement and is subject to change without\nnotice to you.\n6. SURRENDER OF CARD. The Credit Card remains the property of the Credit\nUnion. Notwithstanding the expiration date on the Credit Card, your right to use\nthe Credit Card may be cancelled or terminated for any reason. You must\nsurrender the Card immediately to us or to our agent upon demand.\n7. FINANCE CHARGE. If you have a zero purchase balance at the beginning of\nthe statement cycle you can avoid a finance charge on purchases billed during\nthe cycle by paying the new balance of Purchases within 25 days of the\nstatement closing date. Otherwise, purchases will be subject to a finance charge\nfrom the date they are posted to the account. Finance charges are calculated at\n\nthe periodic rate and Annual Percentage Rate disclosed to you on the average\ndaily balance of purchases and cash advances posted to your account. Any\nfinance charge we add to your Account is the amount payable as a condition of\ncredit. Finance charges do not include (1) fees for participation or membership in\nthe card program, (2) fees for late payments, (3) if you agree, fees for exceeding\nyour credit limit, or (4) any other fees applicable to your account including the\nfailure to comply with the terms and conditions of your account. Except for the\nGrace Period for purchases or minimum finance charge described in your Truth\nin Lending disclosure, you are charged finance charges each month for any part\nof the credit that was extended to you that remains unpaid as of the statement\ndate. A finance charge is imposed on cash advances from the day they are\nposted to your account. You can pay all or any part of your Account balance at\nanytime without any prepayment penalty.\n8. DEFAULT. You will be in default if you exceed your line of credit, fail to pay any\nsum when it is due, die, file a petition in Bankruptcy Court or become insolvent,\nor if you fail to comply with any of the terms or conditions of this Agreement. If\nwe, for good cause, should deem ourselves insecure, then we may without prior\nnotice and in our sole discretion, do any or all of the following: (1) terminate this\nAgreement and revoke your right to use the Card, (2) declare the entire balance\nof your Account due and payable, (3) refuse to honor further Card transactions,\nor (4) apply any shares or other property you have pledged as security for this\nAgreement against the amount you owe under this Agreement.\n9. MISCELLANEOUS. You agree to notify us in writing of any change in your\nname, address or employment. You agree not to permit the use of the Card if\nyou know that credit privileges have been terminated or suspended. You will\nnotify us immediately if you believe any unauthorized use of the Card has or may\nhave occurred, and you will assist us in any related investigation. You will notify\nus immediately upon the loss or theft of the Card. Neither we nor any of our\nprocessors, agents or servants are responsible if anyone refuses to honor the\nCard. This Agreement and all transactions made pursuant hereto shall be\ngoverned by the laws of the State of Alabama except as preempted by the laws\nof the United States. If there is any conflict between the provisions of this\nAgreement and those of any sales draft, cash advance slip or other documents\nyou sign or authenticate in connection with the use of the Card, the provisions of\nthe Agreement shall control. If more than one person signed your Card\nAgreement, they are also bound hereunder. No delay by us in exercising any of\nour rights under this Agreement will be a waiver of that right or any other right.\n10. CHANGE IN TERMS. We may change any term or part of the Credit Card\nAgreement, allowed by law, including finance charges, rates, fees, or method of\ncomputing any balance upon which the finance charge is assessed by sending\nyou written notice as required by law. Any such changes will only apply to new\ncharges made after that date. If you do not agree to the change in terms, you\nmust notify us in writing before the effective date of the Change in Terms that is\nprovided to you to the address provided in the notice of change, and your\naccount will be closed to additional transactions and you must pay us the\nbalance that you owe us under the existing terms of the unchanged Credit Card\nAgreement. Otherwise, you will have agreed to the change in the notice. Use of\nthe Credit Card after the effective date of the change shall be deemed\nacceptance of the new terms as to such effective date, even if you had\npreviously notified us that you did not agree with the change.\n11. TERMINATION. Subject to applicable laws and regulations, we may, in our\nsole discretion, terminate this Agreement and your right to use your Card at any\ntime. You may terminate this Agreement with respect to future transactions, but\nyou will remain liable for payment of all amounts due under this Agreement prior\nto the termination.\n12. FOREIGN TRANSACTIONS. If you make a transaction in a foreign currency,\nit will be converted into a U.S. Dollar amount. The exchange rate for transactions\nin a foreign currency will be a rate selected by Visa from the range of rates\nPage 1 of 4\n\n\x0cavailable in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate Visa receives, or the government\nmandated rate in effect for the applicable central processing date, plus 1%.\n13. SECURITY INTEREST. To secure your account, you hereby pledge all\nshares and/or deposits including amounts in draft accounts and payments and\nearnings thereon which you now or hereafter may have with us, whether held\nindividually, jointly or in trust, as security for any and all amounts owed by the\nuse of your Card and any interest or fees accrued thereon. Upon default, you\nauthorize us to take what you owe us out of any deposit accounts (except\nIndividual Retirement Accounts) you have with us.\n14. LIMITATIONS ON USE OF YOUR CARD. Payments of $5,000.00 or more\nwill result in a five-day delay before any additional credit limit is made available\nfor subsequent purchases or cash advances. There is a daily limit of $10,000.00\nfor purchases and a daily limit of $5,000.00 for cash advances if allowed by your\ncredit limit.\n15. NOTICES. Except as otherwise provided in the Agreement, all notices are to\nbe given in writing. All notices given by us to you shall be deemed given when\ndeposited in the United States Mail, first class postage prepaid, and addressed\n\nto the last known address in our records of the Account Holder whose name\nappears first on your Credit Card Agreement. All notices to us by you shall be\ndeemed given when we receive them.\n16. REWARDS PROGRAMS. If your account has a Rewards program, you will\nreceive information separately about the terms and conditions of any such\nprogram and how you may view and redeem your Rewards.\n17. COLLECTION COSTS & ATTORNEY FEES. You agree to pay all cost of\ncollecting the amount you owe under this Agreement including a reasonable\nattorney\xe2\x80\x99s fee if the unpaid balance exceeds $300.00 and the matter is referred\nto an attorney who is not a salaried employee of the Credit Union.\n18. TRUTH IN LENDING DISCLOSURE. The additional terms and conditions\nthat appear in the Truth in Lending Disclosure provided to you are incorporated\nherein and made a part of this agreement.\n19. INVALIDITY OF PROVISIONS AND CAPTIONS. If any provision of this\nAgreement is deemed to be invalid the remaining provisions will remain in full\nforce and effect. The paragraph headings are for convenience only and do not\nform a part of this Agreement.\n\nImportant information concerning your rights and our responsibilities is printed on the next page.\n\nVisa Pro Rev.08/2014\n\nPage 2 of 4\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\n\n\xe2\x80\xa2\n\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:\nAmerica\xe2\x80\x99s First Federal Credit Union\nP.O. Box 11349\nBirmingham, Alabama 35202\nYou may also contact us on the Web at: www.amfirst.org\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account Information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your\nstatement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing or\nelectronically. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the\namount 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\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 the bill\nis correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit\nlimit.\nAfter we finish our investigation, one of two things will\nhappen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the\namount in question or any interest or other fees related to\nthat amount.\n\nToll Free: 1-800-633-8431, ext. 4170\n\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\nyou owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we\nthink you owe.\n\nIf you receive our explanation but still believe that your bill is\nwrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must\ntell you the name of anyone to whom we reported you as\ndelinquent, and 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 to\npay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\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 have the right not to\npay the remaining amount due on the purchase. To use this right,\nall of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50.\n(Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed to you, or if\nwe own the company that sold you the goods or\nservices.)\n2.\n\nYou must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses your credit card account do\nnot qualify.\n\n3.\n\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with\nthe purchase, contact us in writing or electronically at:\nAmerica\xe2\x80\x99s First Federal Credit Union\nP.O. Box 11349\nBirmingham, Alabama 35202\nwww.amfirst.org\nWhile we investigate, the same rules apply to the disputed amount\nas discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and\nyou do not pay, we may report you as delinquent.\n\nLocal: 205-320-4170\n\nPage 3 of 4\n\n\x0c"


b"AMERICA\xe2\x80\x99S FIRST FEDERAL CREDIT UNION CREDIT CARD AGREEMENT\nVisa\xc2\xae Platinum Credit Card Agreement\n\nIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d means each person responsible for\npaying this Account. \xe2\x80\x9cCard\xe2\x80\x9d means the Visa PLATINUM CREDIT CARD and any\nduplicates or renewals we issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your Visa PLATINUM Credit\nCard Account with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d means America's First Federal Credit\nUnion, its successors and assigns.\n1. RESPONSIBILITY. You agree to be jointly and severally bound by all terms\nand conditions in this Agreement and on the Card if you use your Card or permit\nothers to do so including convenience checks that we may provide to you. You\npromise to repay all purchases and cash advances which are posted to your\naccount. You also promise to pay all finance charges, fees, including an Annual\nFee if applicable to your account and other charges assessed on your Account\nor under this Agreement. Your payments must be in U.S. Dollars from a U.S.\nfinancial institution. You will pay no less than the minimum monthly payment as\nindicated on your statement each month. If you make extra or larger payments,\nyou are still required to make at least the minimum monthly payment each\nmonth that your account has a balance. The minimum monthly payment for your\naccount shall be the greater of 2% of your outstanding balance or $10.00.\n2. LOST CARD NOTIFICATION. If you believe the Card has been lost or stolen,\nyou will immediately call us at 1-800-325-3678. Twenty Four hours a day. Seven\ndays a week.\n3. AUTHORIZED AND UNAUTHORIZED USE OF THE CARD. You may use\nyour card to obtain cash advances or purchases. You will be jointly and severally\nliable for all authorized use of your Card, for all credit extended by us in\nconnection with your Card, regardless of your credit limit. You may be liable for\nthe unauthorized use of your Card. You will not be liable for unauthorized use\nthat occurs after you notify us orally or in writing of the loss, theft or possible\nunauthorized use in a timely manner. In any case, your liability will not exceed\n$50.00. You agree to assist us in ascertaining the facts and circumstances\nrelating to any unauthorized use of the Card. You may not use the Card for any\nillegal or unlawful transaction, including but not limited to internet gambling, and\nwe may decline to authorize any transaction that we believe to be unlawful. The\nuse of the Card to perform an illegal transaction is a condition of default and we\nmay terminate your right to use the account and you agree to indemnify us for\nany losses suffered as a result of the illegal activity.\n4. CREDIT INFORMATION. You authorize us to investigate your\ncreditworthiness when opening, renewing or reviewing your Account. Upon our\nrequest, you agree to update any credit information you have previously\nfurnished us. You also authorize us to request and provide information\nconcerning your credit history from and to other creditors and credit reporting\nagencies.\n5. CREDIT LIMIT. A credit limit will be assigned to you by us and will be\ndetermined by the information submitted on your credit application, and by other\ncredit information received by us. You may not allow the balance of your account\nto exceed the approved credit limit. We may in our discretion, allow advances\nfrom your account in excess of your credit limit, and these advances are subject\nto all the provisions of this Agreement. You agree to repay any amount over your\ncredit limit immediately upon demand. The credit limit applicable to your account\nwill be disclosed on each monthly statement and is subject to change without\nnotice to you.\n6. SURRENDER OF CARD. The Credit Card remains the property of the Credit\nUnion. Notwithstanding the expiration date on the Credit Card, your right to use\nthe Credit Card may be cancelled or terminated for any reason. You must\nsurrender the Card immediately to us or to our agent upon demand.\n7. FINANCE CHARGE. If you have a zero purchase balance at the beginning of\nthe statement cycle you can avoid a finance charge on purchases billed during\nthe cycle by paying the new balance of Purchases within 25 days of the\nstatement closing date. Otherwise, purchases will be subject to a finance charge\nfrom the date they are posted to the account. Finance charges are calculated at\n\nthe periodic rate and Annual Percentage Rate disclosed to you on the average\ndaily balance of purchases and cash advances posted to your account. Any\nfinance charge we add to your Account is the amount payable as a condition of\ncredit. Finance charges do not include (1) fees for participation or membership in\nthe card program, (2) fees for late payments, (3) if you agree, fees for exceeding\nyour credit limit, or (4) any other fees applicable to your account including the\nfailure to comply with the terms and conditions of your account. Except for the\nGrace Period for purchases or minimum finance charge described in your Truth\nin Lending disclosure, you are charged finance charges each month for any part\nof the credit that was extended to you that remains unpaid as of the statement\ndate. A finance charge is imposed on cash advances from the day they are\nposted to your account. You can pay all or any part of your Account balance at\nanytime without any prepayment penalty.\n8. DEFAULT. You will be in default if you exceed your line of credit, fail to pay any\nsum when it is due, die, file a petition in Bankruptcy Court or become insolvent,\nor if you fail to comply with any of the terms or conditions of this Agreement. If\nwe, for good cause, should deem ourselves insecure, then we may without prior\nnotice and in our sole discretion, do any or all of the following: (1) terminate this\nAgreement and revoke your right to use the Card, (2) declare the entire balance\nof your Account due and payable, (3) refuse to honor further Card transactions,\nor (4) apply any shares or other property you have pledged as security for this\nAgreement against the amount you owe under this Agreement.\n9. MISCELLANEOUS. You agree to notify us in writing of any change in your\nname, address or employment. You agree not to permit the use of the Card if\nyou know that credit privileges have been terminated or suspended. You will\nnotify us immediately if you believe any unauthorized use of the Card has or may\nhave occurred, and you will assist us in any related investigation. You will notify\nus immediately upon the loss or theft of the Card. Neither we nor any of our\nprocessors, agents or servants are responsible if anyone refuses to honor the\nCard. This Agreement and all transactions made pursuant hereto shall be\ngoverned by the laws of the State of Alabama except as preempted by the laws\nof the United States. If there is any conflict between the provisions of this\nAgreement and those of any sales draft, cash advance slip or other documents\nyou sign or authenticate in connection with the use of the Card, the provisions of\nthe Agreement shall control. If more than one person signed your Card\nAgreement, they are also bound hereunder. No delay by us in exercising any of\nour rights under this Agreement will be a waiver of that right or any other right.\n10. CHANGE IN TERMS. We may change any term or part of the Credit Card\nAgreement, allowed by law, including finance charges, rates, fees, or method of\ncomputing any balance upon which the finance charge is assessed by sending\nyou written notice as required by law. Any such changes will only apply to new\ncharges made after that date. If you do not agree to the change in terms, you\nmust notify us in writing before the effective date of the Change in Terms that is\nprovided to you to the address provided in the notice of change, and your\naccount will be closed to additional transactions and you must pay us the\nbalance that you owe us under the existing terms of the unchanged Credit Card\nAgreement. Otherwise, you will have agreed to the change in the notice. Use of\nthe Credit Card after the effective date of the change shall be deemed\nacceptance of the new terms as to such effective date, even if you had\npreviously notified us that you did not agree with the change.\n11. TERMINATION. Subject to applicable laws and regulations, we may, in our\nsole discretion, terminate this Agreement and your right to use your Card at any\ntime. You may terminate this Agreement with respect to future transactions, but\nyou will remain liable for payment of all amounts due under this Agreement prior\nto the termination.\n12. FOREIGN TRANSACTIONS. If you make a transaction in a foreign currency,\nit will be converted into a U.S. Dollar amount. The exchange rate for transactions\nin a foreign currency will be a rate selected by Visa from the range of rates\nPage 1 of 3\n\n\x0cavailable in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate Visa receives, or the government\nmandated rate in effect for the applicable central processing date, plus 1%.\n13. SECURITY INTEREST. To secure your account, you hereby pledge all\nshares and/or deposits including amounts in draft accounts and payments and\nearnings thereon which you now or hereafter may have with us, whether held\nindividually, jointly or in trust, as security for any and all amounts owed by the\nuse of your Card and any interest or fees accrued thereon. Upon default, you\nauthorize us to take what you owe us out of any deposit accounts (except\nIndividual Retirement Accounts) you have with us.\n14. LIMITATIONS ON USE OF YOUR CARD. Payments of $5,000.00 or more\nwill result in a five-day delay before any additional credit limit is made available\nfor subsequent purchases or cash advances. There is a daily limit of $10,000.00\nfor purchases and a daily limit of $5,000.00 for cash advances if allowed by your\ncredit limit.\n15. NOTICES. Except as otherwise provided in the Agreement, all notices are to\nbe given in writing. All notices given by us to you shall be deemed given when\ndeposited in the United States Mail, first class postage prepaid, and addressed\n\nto the last known address in our records of the Account Holder whose name\nappears first on your Credit Card Agreement. All notices to us by you shall be\ndeemed given when we receive them.\n16. REWARDS PROGRAMS. If your account has a Rewards program, you will\nreceive information separately about the terms and conditions of any such\nprogram and how you may view and redeem your Rewards.\n17. COLLECTION COSTS & ATTORNEY FEES. You agree to pay all cost of\ncollecting the amount you owe under this Agreement including a reasonable\nattorney\xe2\x80\x99s fee if the unpaid balance exceeds $300.00 and the matter is referred\nto an attorney who is not a salaried employee of the Credit Union.\n18. TRUTH IN LENDING DISCLOSURE. The additional terms and conditions\nthat appear in the Truth in Lending Disclosure provided to you are incorporated\nherein and made a part of this agreement.\n19. INVALIDITY OF PROVISIONS AND CAPTIONS. If any provision of this\nAgreement is deemed to be invalid the remaining provisions will remain in full\nforce and effect. The paragraph headings are for convenience only and do not\nform a part of this Agreement.\n\nImportant information concerning your rights and our responsibilities is printed on the next page.\n\nVisa Rev.08/2014\n\nPage 2 of 3\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\n\n\xe2\x80\xa2\n\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:\nAmerica\xe2\x80\x99s First Federal Credit Union\nP.O. Box 11349\nBirmingham, Alabama 35202\nYou may also contact us on the Web at: www.amfirst.org\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account Information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your\nstatement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing or\nelectronically. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the\namount 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\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 the bill\nis correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit\nlimit.\nAfter we finish our investigation, one of two things will\nhappen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the\namount in question or any interest or other fees related to\nthat amount.\n\nToll Free: 1-800-633-8431, ext. 4170\n\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\nyou owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we\nthink you owe.\n\nIf you receive our explanation but still believe that your bill is\nwrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must\ntell you the name of anyone to whom we reported you as\ndelinquent, and 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 to\npay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\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 have the right not to\npay the remaining amount due on the purchase. To use this right,\nall of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50.\n(Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed to you, or if\nwe own the company that sold you the goods or\nservices.)\n2.\n\nYou must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses your credit card account do\nnot qualify.\n\n3.\n\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with\nthe purchase, contact us in writing or electronically at:\nAmerica\xe2\x80\x99s First Federal Credit Union\nP.O. Box 11349\nBirmingham, Alabama 35202\nwww.amfirst.org\nWhile we investigate, the same rules apply to the disputed amount\nas discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and\nyou do not pay, we may report you as delinquent.\n\nLocal: 205-320-4170\n\nPage 3 of 3\n\n\x0c"


b"AMERICA\xe2\x80\x99S FIRST FEDERAL CREDIT UNION CREDIT CARD AGREEMENT\nVisa\xc2\xae Platinum Plus Credit Card Agreement\n\nIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d means each person responsible for\npaying this Account. \xe2\x80\x9cCard\xe2\x80\x9d means the Visa PLATINUM PLUS CREDIT CARD\nand any duplicates or renewals we issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your Visa\nPLATINUM PLUS Credit Card Account with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d means\nAmerica's First Federal Credit Union, its successors and assigns.\n1. RESPONSIBILITY. You agree to be jointly and severally bound by all terms\nand conditions in this Agreement and on the Card if you use your Card or permit\nothers to do so including convenience checks that we may provide to you. You\npromise to repay all purchases and cash advances which are posted to your\naccount. You also promise to pay all finance charges, fees, including an Annual\nFee if applicable to your account and other charges assessed on your Account\nor under this Agreement. Your payments must be in U.S. Dollars from a U.S.\nfinancial institution. You will pay no less than the minimum monthly payment as\nindicated on your statement each month. If you make extra or larger payments,\nyou are still required to make at least the minimum monthly payment each\nmonth that your account has a balance. The minimum monthly payment for your\naccount shall be the greater of 2% of your outstanding balance or $10.00.\n2. LOST CARD NOTIFICATION. If you believe the Card has been lost or stolen,\nyou will immediately call us at 1-800-325-3678. Twenty Four hours a day. Seven\ndays a week.\n3. AUTHORIZED AND UNAUTHORIZED USE OF THE CARD. You may use\nyour card to obtain cash advances or purchases. You will be jointly and severally\nliable for all authorized use of your Card, for all credit extended by us in\nconnection with your Card, regardless of your credit limit. You may be liable for\nthe unauthorized use of your Card. You will not be liable for unauthorized use\nthat occurs after you notify us orally or in writing of the loss, theft or possible\nunauthorized use in a timely manner. In any case, your liability will not exceed\n$50.00. You agree to assist us in ascertaining the facts and circumstances\nrelating to any unauthorized use of the Card. You may not use the Card for any\nillegal or unlawful transaction, including but not limited to internet gambling, and\nwe may decline to authorize any transaction that we believe to be unlawful. The\nuse of the Card to perform an illegal transaction is a condition of default and we\nmay terminate your right to use the account and you agree to indemnify us for\nany losses suffered as a result of the illegal activity.\n4. CREDIT INFORMATION. You authorize us to investigate your\ncreditworthiness when opening, renewing or reviewing your Account. Upon our\nrequest, you agree to update any credit information you have previously\nfurnished us. You also authorize us to request and provide information\nconcerning your credit history from and to other creditors and credit reporting\nagencies.\n5. CREDIT LIMIT. A credit limit will be assigned to you by us and will be\ndetermined by the information submitted on your credit application, and by other\ncredit information received by us. You may not allow the balance of your account\nto exceed the approved credit limit. We may in our discretion, allow advances\nfrom your account in excess of your credit limit, and these advances are subject\nto all the provisions of this Agreement. You agree to repay any amount over your\ncredit limit immediately upon demand. The credit limit applicable to your account\nwill be disclosed on each monthly statement and is subject to change without\nnotice to you.\n6. SURRENDER OF CARD. The Credit Card remains the property of the Credit\nUnion. Notwithstanding the expiration date on the Credit Card, your right to use\nthe Credit Card may be cancelled or terminated for any reason. You must\nsurrender the Card immediately to us or to our agent upon demand.\n7. FINANCE CHARGE. If you have a zero purchase balance at the beginning of\nthe statement cycle you can avoid a finance charge on purchases billed during\nthe cycle by paying the new balance of Purchases within 25 days of the\nstatement closing date. Otherwise, purchases will be subject to a finance charge\nfrom the date they are posted to the account. Finance charges are calculated at\n\nthe periodic rate and Annual Percentage Rate disclosed to you on the average\ndaily balance of purchases and cash advances posted to your account. Any\nfinance charge we add to your Account is the amount payable as a condition of\ncredit. Finance charges do not include (1) fees for participation or membership in\nthe card program, (2) fees for late payments, (3) if you agree, fees for exceeding\nyour credit limit, or (4) any other fees applicable to your account including the\nfailure to comply with the terms and conditions of your account. Except for the\nGrace Period for purchases or minimum finance charge described in your Truth\nin Lending disclosure, you are charged finance charges each month for any part\nof the credit that was extended to you that remains unpaid as of the statement\ndate. A finance charge is imposed on cash advances from the day they are\nposted to your account. You can pay all or any part of your Account balance at\nany time without any prepayment penalty.\n8. DEFAULT. You will be in default if you exceed your line of credit, fail to pay any\nsum when it is due, die, file a petition in Bankruptcy Court or become insolvent,\nor if you fail to comply with any of the terms or conditions of this Agreement. If\nwe, for good cause, should deem ourselves insecure, then we may without prior\nnotice and in our sole discretion, do any or all of the following: (1) terminate this\nAgreement and revoke your right to use the Card, (2) declare the entire balance\nof your Account due and payable, (3) refuse to honor further Card transactions,\nor (4) apply any shares or other property you have pledged as security for this\nAgreement against the amount you owe under this Agreement.\n9. MISCELLANEOUS. You agree to notify us in writing of any change in your\nname, address or employment. You agree not to permit the use of the Card if\nyou know that credit privileges have been terminated or suspended. You will\nnotify us immediately if you believe any unauthorized use of the Card has or may\nhave occurred, and you will assist us in any related investigation. You will notify\nus immediately upon the loss or theft of the Card. Neither we nor any of our\nprocessors, agents or servants are responsible if anyone refuses to honor the\nCard. This Agreement and all transactions made pursuant hereto shall be\ngoverned by the laws of the State of Alabama except as preempted by the laws\nof the United States. If there is any conflict between the provisions of this\nAgreement and those of any sales draft, cash advance slip or other documents\nyou sign or authenticate in connection with the use of the Card, the provisions of\nthe Agreement shall control. If more than one person signed your Card\nAgreement, they are also bound hereunder. No delay by us in exercising any of\nour rights under this Agreement will be a waiver of that right or any other right.\n10. CHANGE IN TERMS. We may change any term or part of the Credit Card\nAgreement, allowed by law, including finance charges, rates, fees, or method of\ncomputing any balance upon which the finance charge is assessed by sending\nyou written notice as required by law. Any such changes will only apply to new\ncharges made after that date. If you do not agree to the change in terms, you\nmust notify us in writing before the effective date of the Change in Terms that is\nprovided to you to the address provided in the notice of change, and your\naccount will be closed to additional transactions and you must pay us the\nbalance that you owe us under the existing terms of the unchanged Credit Card\nAgreement. Otherwise, you will have agreed to the change in the notice. Use of\nthe Credit Card after the effective date of the change shall be deemed\nacceptance of the new terms as to such effective date, even if you had\npreviously notified us that you did not agree with the change.\n11. TERMINATION. Subject to applicable laws and regulations, we may, in our\nsole discretion, terminate this Agreement and your right to use your Card at any\ntime. You may terminate this Agreement with respect to future transactions, but\nyou will remain liable for payment of all amounts due under this Agreement prior\nto the termination.\n12. FOREIGN TRANSACTIONS. If you make a transaction in a foreign currency,\nit will be converted into a U.S. Dollar amount. The exchange rate for transactions\nin a foreign currency will be a rate selected by Visa from the range of rates\nPage 1 of 3\n\n\x0cavailable in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate Visa receives, or the government\nmandated rate in effect for the applicable central processing date, plus 1%.\n13. SECURITY INTEREST. To secure your account, you hereby pledge all\nshares and/or deposits including amounts in draft accounts and payments and\nearnings thereon which you now or hereafter may have with us, whether held\nindividually, jointly or in trust, as security for any and all amounts owed by the\nuse of your Card and any interest or fees accrued thereon. Upon default, you\nauthorize us to take what you owe us out of any deposit accounts (except\nIndividual Retirement Accounts) you have with us.\n14. LIMITATIONS ON USE OF YOUR CARD. Payments of $5,000.00 or more\nwill result in a five-day delay before any additional credit limit is made available\nfor subsequent purchases or cash advances. There is a daily limit of $10,000.00\nfor purchases and a daily limit of $5,000.00 for cash advances if allowed by your\ncredit limit.\n15. NOTICES. Except as otherwise provided in the Agreement, all notices are to\nbe given in writing. All notices given by us to you shall be deemed given when\ndeposited in the United States Mail, first class postage prepaid, and addressed\n\nto the last known address in our records of the Account Holder whose name\nappears first on your Credit Card Agreement. All notices to us by you shall be\ndeemed given when we receive them.\n16. REWARDS PROGRAMS. If your account has a Rewards program, you will\nreceive information separately about the terms and conditions of any such\nprogram and how you may view and redeem your Rewards.\n17. COLLECTION COSTS & ATTORNEY FEES. You agree to pay all cost of\ncollecting the amount you owe under this Agreement including a reasonable\nattorney\xe2\x80\x99s fee if the unpaid balance exceeds $300.00 and the matter is referred\nto an attorney who is not a salaried employee of the Credit Union.\n18. TRUTH IN LENDING DISCLOSURE. The additional terms and conditions\nthat appear in the Truth in Lending Disclosure provided to you are incorporated\nherein and made a part of this agreement.\n19. INVALIDITY OF PROVISIONS AND CAPTIONS. If any provision of this\nAgreement is deemed to be invalid the remaining provisions will remain in full\nforce and effect. The paragraph headings are for convenience only and do not\nform a part of this Agreement.\n\nImportant information concerning your rights and our responsibilities is printed on the next page.\n\nVisa Rev.08/2014\n\nPage 2 of 3\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\n\n\xe2\x80\xa2\n\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:\nAmerica\xe2\x80\x99s First Federal Credit Union\nP.O. Box 11349\nBirmingham, Alabama 35202\nYou may also contact us on the Web at: www.amfirst.org\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account Information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your\nstatement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing or\nelectronically. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the\namount 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\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 the bill\nis correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit\nlimit.\nAfter we finish our investigation, one of two things will\nhappen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the\namount in question or any interest or other fees related to\nthat amount.\n\nToll Free: 1-800-633-8431, ext. 4170\n\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\nyou owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we\nthink you owe.\n\nIf you receive our explanation but still believe that your bill is\nwrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must\ntell you the name of anyone to whom we reported you as\ndelinquent, and 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 to\npay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\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 have the right not to\npay the remaining amount due on the purchase. To use this right,\nall of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50.\n(Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed to you, or if\nwe own the company that sold you the goods or\nservices.)\n2.\n\nYou must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses your credit card account do\nnot qualify.\n\n3.\n\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with\nthe purchase, contact us in writing or electronically at:\nAmerica\xe2\x80\x99s First Federal Credit Union\nP.O. Box 11349\nBirmingham, Alabama 35202\nwww.amfirst.org\nWhile we investigate, the same rules apply to the disputed amount\nas discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and\nyou do not pay, we may report you as delinquent.\n\nLocal: 205-320-4170\n\nPage 3 of 3\n\n\x0c"


b'Below are the terms you requested for a Pinnacle Bank MasterCard credit card product.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n0.0% introductory APR for six months.\nAfter that, your APR will be 9.24% to 17.24%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\n0.00% introductory APR for six months.\nAfter that, your APR will be 9.24% to 17.24%, based on your creditworthiness. This\nAPR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n21.00%\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each\nmonth.\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 Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nEither $10 or 3% of the amount of each transfer, which ever is greater.\nEither $10 or 4% of the amount of each cash advance, which ever is greater.\n1.5% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\xe2\x80\xa2 Over\xc2\xadthe\xc2\xadcredit limit\n\nUp to $35\nUp to $35\nNone\n\n\x0cHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nImportant Information About Procedures for Opening a New Account. To help the government fight the funding of terrorism and money\nlaundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person\nwho opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and\nother information that will allow us to identify you. We may also ask to see your driver\'s license or other identifying documents.\nTerms and Conditions:The words "you" and "your" mean each person (as an individual) and all persons (as a group) applying as a Primary\nApplicant or Co\xc2\xadApplicant. You are applying for a credit card account provided by Pinnacle Bank, Nashville, TN ("we," "us," and "our"). By\napplying, you certify and agree that:\n\xe2\x80\xa2 You are at least 18 years old (or at least 19, if a Nebraska or Alabama resident);;\n\xe2\x80\xa2 You received, read, and agree to all terms and conditions provided with this application;\n\xe2\x80\xa2 All information and documents provided with your application is true, correct, and complete and we may rely on it;\n\xe2\x80\xa2 You are asking us to issue credit cards for account access to you and each Authorized User that any of you designate;\n\xe2\x80\xa2 You agree to be responsible, individually and together, for account use by any of you and any Authorized User;\n\xe2\x80\xa2 You will read the Consumer Cardmember Agreement and its Account Opening Disclosures carefully before you use or allow\nanyone else to use any credit card account;\n\xe2\x80\xa2 We are allowed to verify your employment, income, address, and all other information about you with financial institutions,\ncredit reporting agencies, employers, government agencies, and other third parties;\n\xe2\x80\xa2 We are authorized to use and disclose information about you, this application and any account we provide for our everyday\nbusiness purposes, to the extent permitted by applicable law and as described in our Privacy Policy, including information we\nshare with our service providers and other financial institutions to maintain and provide your credit card account;\n\xe2\x80\xa2 The obligations incurred with this credit card account are being incurred in the interest of your marriage or family, if you are\nmarried and living in a community property state; and\nYou agree that we may obtain consumer credit reports about you to review this application, and, if we open a credit card account for you,\nthat we may obtain consumer credit reports about you in the future to review, update, renew, collect, and service your credit card\naccount and for other purposes permitted by law. We will, if you request, tell you whether we obtained a consumer credit report about\nyou and tell you the name and address of any consumer reporting agency that provided the report.\nIf we open a credit card account for you, you understand and agree that you will be subject to all terms and conditions described in our\nConsumer Cardmember Agreement, as amended from time to time, including but not limited to its terms related to account payments,\nrates and fees, change in terms, and arbitration. This Consumer Cardmember Agreement becomes effective the first time you or any\nAuthorized User activates a Card or uses the Account in any way. You understand and agree that we may change the Consumer\nCardmember Agreement and the rates, fees, and terms of your credit card account as allowed by law, after we give any notice and wait\nany time period that the law requires.\nConsent for Communications: By applying and providing your telephone number(s) and email address(es), you expressly authorize us and\nour agents and service providers to use any available written, electronic, or verbal means of contacting you for any purpose related to the\nservicing and collection of your accounts with us, for surveys and research, and for any other informational purpose related to your\naccounts with us (each, a "Communication"). You agree this authorization for Communications includes, but is not limited to, our use of\nmanual calling methods, prerecorded or artificial voice messages, text messages, e\xc2\xadmail messages, and/or automatic telephone dialing\nsystems. You agree that we and our agents and service providers may contact you for these Communications using any e\xc2\xadmail address or\ntelephone number you provide, including a number for a cellular telephone or other wireless device, regardless of any charges you may\nincur as a result. We will not charge you for making a Communication, but your service provider may. You agree that we and our agents\nand service providers may monitor and record telephone calls about your credit card account to assure service quality or for other\nlegitimate business reasons. You understand and agree that we and our agents and service providers may always communicate with you\nin any manner permitted by law that does not require your prior consent.\nNotice of Negative Information Furnishing: We may report information about your account to credit bureaus. Late payments, missed\npayments, or other defaults on your account may be reflected in your credit report.\nNotice to California Residents: An applicant, if married, may apply for a separate account. After credit approval, the Primary Applicant\nand any Co\xc2\xadApplicant shall each have the right to use the account to the extent of any established credit limit and each may be liable for\nall credit extended under the account.\nNotice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy\ncustomers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights\nCommission administers compliance with this law.\nNotice to New York Residents: You may contact the New York State Department of Financial Services by telephone or visit its website for\nfree information on comparative credit card rates, fees and grace periods.\nNY State Dept of Financial Services: 1\xc2\xad800\xc2\xad342\xc2\xad3736 http://www.dfs.ny.gov/consumer/creditdebt.htm.\n\n\x0cNotice to Married Wisconsin Residents: Wisconsin law provides that no agreement, unilateral statement or court decree relative to\nmarital property shall adversely affect a creditor\'s interest, unless prior to the time credit is granted the creditor is furnished a copy of the\nagreement, statement or decree, or has actual knowledge of the adverse provision. If any or both of you are married Wisconsin residents,\neach of you agree to provide us with your spouse\'s name and address at the following address within five (5) days of your application, so\nwe can provide your spouse(s) with any notice required by Wisconsin law: Apex Cardmember Services, P.O. Box 332509, Murfreesboro,\nTN 37133.\n\n01/2016\n\n\x0c'