b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA ELITE/VISA PLATINUM\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 collectively\nreferred 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 \xe2\x80\x9cCredit\nUnion\xe2\x80\x9d refers to Visions Federal 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 each\napplicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize\nto use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices, duplicates,\nrenewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means the line of\ncredit 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.\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.\n\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 transactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n03116182-MXC30-C-1-061617 (MXC302-E)\n\n\x0caccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nVisa Elite - For 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 $50.00, 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$50.00, then Your Minimum Payment Due is the amount of the total New Balance.\nVisa Platinum - For 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 Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nPage 2 of 6\n\n03116182-MXC30-C-1-061617 (MXC302-E)\n\n\x0cVisa Platinum \xe2\x80\x93 A fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including\npurchases, cash advances, and credits to Your Account. A foreign transaction is any transaction that You complete or a\nmerchant completes on Your Card outside the United States, with the exception of U.S. military bases, U.S. territories, U.S.\nembassies, or U.S. consulates. Transactions completed by merchants outside of the United States are considered foreign\ntransactions, regardless of whether You are located inside or outside the United States at the time of the transaction. The\nForeign Transaction Fee is set forth on the Account Opening 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\x93 If you authorized a merchant to bill charges to Your\nCard on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your Account\ninformation (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card is replaced\nor Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated Account\ninformation to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize Us to apply\nsuch recurring charges to Your Card until You notify Us that You have revoked authorization for the charges to 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 Account\ninformation 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 are\nsuspended, You are responsible for making direct payment for such charges until You contact the merchant to reinstate\nrecurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; become insolvent; or die. You will also be in default if You fail to comply\nwith the terms of this Agreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94\nIf You notice the loss or theft of Your credit card or a possible unauthorized use of Your Card, You should call Us\nimmediately at (833) 224- 5785 seven days a week, 24 hours a day or (800) 242-2120, Monday through Friday, 8:00\na.m. to 5:00 p.m. or write to us at 24 McKinley Avenue, Endicott, NY, 13760.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50. If an unauthorized charge is posted to Your Account, and You don\xe2\x80\x99t receive resolution\nfrom the merchant, You may dispute the charge through Visions Credit/Debit card processor. Contact the dispute line at\n(833) 224-5785 within 60 days after the charge first appears on Your statement.\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.\nPage 3 of 6\n\n03116182-MXC30-C-1-061617 (MXC302-E)\n\n\x0cResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You designate.\nYou must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your notice must\ninclude the name of the authorized user and Your Account number and/or any subaccount number issued to the authorized\nuser along with the authorized user\'s Card and any convenience or other access checks issued to the authorized user.\nIf You cannot return the authorized user\'s Card or access checks and if You request Your Account to be closed, We will\nclose Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion, issue You a new\nAccount 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.\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\nNew York.\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. 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.\n25. 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.\n26. 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.\n27. 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.\n28. 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\nPage 4 of 6\n\n03116182-MXC30-C-1-061617 (MXC302-E)\n\n\x0cresidents 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.\n29. 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.\n30. 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.\n31. 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.\n32. 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.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n\n03116182-MXC30-C-1-061617 (MXC302-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\n03116182-MXC30-C-1-061617 (MXC302-E)\n\n\x0cVISIONS FCU\n\nCREDIT CARD ACCOUNT OPENING DISCLOSURE\nThis Disclosure is incorporated into and becomes part of your LOANLINER\xc2\xae Consumer Credit Card Agreement.\nPlease keep this attached to your LOANLINER\xc2\xae Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nPurchase APR \xe2\x80\x93 Variable Rate\nVISA Platinum \xe2\x80\x93 the 5 year US Treasury Note plus between 7.00 to 16.50 percentage points\nVISA Elite \xe2\x80\x93 the 5 year US Treasury Note plus between 8.00 to 11.50 percentage points\nMaximum APR is 18% corresponding maximum daily periodic rate of .04932%\nBalance Transfer APR \xe2\x80\x93 Variable Rate\nVISA Platinum \xe2\x80\x93 the 5 year US Treasury Note plus between 7.00 to 16.50 percentage points\nVISA Elite \xe2\x80\x93 the 5 year US Treasury Note plus between 8.00 to 11.50 percentage points\nMaximum APR is 18% corresponding maximum daily periodic rate of .04932%\nCash Advance APR \xe2\x80\x93 Variable Rate\nVISA Platinum \xe2\x80\x93 the 5 year US Treasury Note plus between 7.00 to 16.50 percentage points\nVISA Elite \xe2\x80\x93 the 5 year US Treasury Note plus between 8.00 to 11.50 percentage points\nMaximum APR is 18% corresponding maximum daily periodic rate of .04932%\nPenalty APR\nNone\nMinimum Finance Charge\nNone\nCash Advance Fee\nNone\nBalance Transfer Fee\nNone\nForeign Transaction Fee\nUp to 1.00% of each transaction in US dollars\nTransaction Fee for Purchases\nNone\nPaying Interest \xe2\x80\x93 Your due date is at least 28 days after the close of each billing cycle. We do not charge you\ninterest on purchases if you pay your entire balance by the due date each month. We will begin charging interest\non cash advances and balance transfers on the transaction date.\nFor Credit Card Tips from the Consumer Financial Protection Bureau \xe2\x80\x93 To learn more about factors to consider\nwhen applying for or using a credit card, visit the Web site of the Consumer Financial Protection Bureau at\nhttp://consumerfinance.gov/learnmore.\nHow We Will Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nSee your account Agreement for more details.\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted\nto Your Account during the first six months following issuance of Your Card. Any existing balances on Visions\nFederal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.\n\n\x0cBilling Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his\nor her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable\nto the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary\nproducts sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other than certain\nparticipation fees for a credit card account).\nPlease call us at (800) 242-2120 to receive oral disclosures of the Military Lending Act disclosure above and a\ndescription of the payment obligation.\nCollection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including court\ncosts and reasonable attorney\xe2\x80\x99s fees.\nPeriodic Rates * (see Pricing Addendum)\nThe Purchase APR is * which is a daily periodic rate of * .\nThe Cash Advance APR is * which is a daily periodic rate of * .\nThe Balance Transfer APR is * which is a daily periodic rate of * .\nVariable Rate.\nThe ANNUAL PERCENTAL RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to\nchange on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the\n5-Year U.S. Treasury Note on the 15th day of the previous month or the preceding business day if the 15th falls on\na weekend or holiday, to which We add a margin. The ANNUAL PERCENTAGE RATE will never be greater than\n18.00%. Any increase in the ANNUAL PERCENTAGE RATE will result in an increase in the amount of the interest\nYou will pay, may increase Your minimum payment, and may increase the number of payments to pay off Your\nbalance. If the Index is no longer available, the Credit Union will choose a new index which is based upon\ncomparable information.\n\nMargin * (see Pricing Addendum)\nPurchases will be charged at * above the Index.\nCash advances will be charged at * above the Index.\nBalance transfers will be charged at * above the Index.\nPricing Addendum\nVISA Platinum/VISA Elite\nGrace Period\n28 days\nOther Fees & Disclosures\nLate Payment Fee\n$20.00 or the amount of the minimum required payment, whichever is less, If you are 15 or more days late in\nmaking a payment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account\nwhen You do not make the required minimum payment by or within the number of days of the statement Payment\nDue Date set forth on this Disclosure.\nAnnual Fee\nVISA Platinum - None\nVISA Elite - $40.00. If Your Account is subject to an Annual Fee, the fee will be charged to Your Account upon\nthe issuance of Your Card. Each year following, the Annual Fee will be charged to Your Account during the same\nmonth that You Were first charged the fee. The fee will be charged each year until Your Account is closed and\npaid in full.\n\n\x0cOver-the-Credit Limit Fee\n$20.00 or the amount of the transaction exceeding Your approved credit limit, whichever is less. If You have\nelected the feature to allow Your Account to go over Your credit limit, We may charge You a fee as allowed by\nlaw. However, in no case will We impose an over-the-limit fee except in the next two billing cycles unless You\nhave obtained an additional extension of credit in excess of such credit limit during each subsequent cycle or You\nhave reduced the balance below the credit limit as of the end of each billing cycle.\nReturned Payment Fee\n$30.00 or the amount of the required minimum payment, whichever is less. If your Account is subject to a\nReturned Payment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nDocument Copy Fee\n$12.00. If Your Account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be\ncharged to Your Account for each copy of a sales draft or statement that You request (except when the request is\nmade in connection with a billing error made by the Credit Union).\nPin Replacement Fee\n$0.00\nRush Fee\n$47.50. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to\nYour Account for each rush Card that You request, providing that delivery of the Card is also available by standard\nmail service, without paying a fee for delivery.\nStatement copy Fee\n$3.00 per page. If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and\nwhen the request is made in connection with a billing error made by the Credit Union, a fee may be charged to\nYour Account for each copy of a sales draft or statement that You request.\nCard Replacement Fee\n$10.00 per card. If Your Account is subject to a Card Replacement Fee, A fee will be charged for each\nreplacement Card that is issued to You for any reason.\n\n\x0c'


b'ISSUED BY:\n\nAffordable Rate\nCredit Card Agreement\nDISCLOSURES REQUIRED BY FEDERAL LAW\n\n1. Interest Charges\na. Calculation Methods - Credit Purchases: _____G____; Balance Transfer ____A_____; Cash\nAdvance: ____A_____.\nb. Periodic Rates used to compute Interest Charges - Credit Purchases:\n0.68667-1.43667\n0.68667-1.43667\n______________________%\nper month; Balance Transfers: ______________________%\nper\n1.49167\nmonth; Cash Advances: ______________________%\nper month.\nCorresponding\nANNUAL\nPERCENTAGE\nRATES\nCredit\nPurchases:\n8.24-17.24\n8.24-17.24\n______________________%;\nBalance Transfer ______________________%;\nCash Advance:\n17.90\n______________________%.\n\n11. SECURITY: If you have other loans or credit extensions from Issuer, or take out\nother loans or credit extensions with Issuer in the future, collateral securing those\nloans or credit extensions will also secure your obligations under this agreement.\nHowever, unless you expressly agree otherwise, your household goods and dwelling\nwill not secure your obligations under this agreement even if Issuer has, or later\nacquires, a security interest in the household goods or a mortgage on the dwelling. If\nyou have executed a written agreement granting a security interest in any deposit\naccounts (checking, savings, or share accounts) or other funds held by Issuer to\nsecure your obligations under this credit card plan, such accounts and/or funds are\nadditional security for your obligations to Issuer arising from the use of your Card.\n\n12. Annual Fee Plans: Your Annual Fee waiver analysis, under the Plan noted in Section 3.b.\nonly includes the following transactions: Plan 1: Gross Sales; Plan 2: Gross Cash Advances;\nPlan 3: Net Sales; Plan 4: Net Cash Advance; Plan 5: Gross Sales plus Gross Cash Advance;\nPlan 6: Net Sales plus Net Cash Advance (Note: Time period analyzed shall be prior 12 month\nperiod; however, initial time period may be less than 12 months as it begins on the date you\nwere notified of this program. Annual Fees shall not be waived for cardholders in default.)\nPERIODIC INTEREST CHARGE CALCULATIONS METHODS\nYou agree to pay interest at the rate(s) disclosed to you at the time you open your account and\nas may be changed from time to time in accordance with applicable law. The periodic Interest\nCharge Calculation Method applicable to your account for Cash Advances and Credit\npurchases of goods and services that you obtain through the use of your Card is specified in\nSection 1 on the Disclosure above and explained below:\n2. Transaction Fees - For Balance Transfers and Cash Advances a fee equal to the greater of\nMethod\nA - Average Daily Balance (including current transactions). The Interest Charge on\n$5.00 or 2% of the Balance Transfer or Cash Advance will be imposed. A transaction fee may\nalso be imposed by an ATM operator, not holding your account, or by any national, regional or purchases begins from the date the transaction is posted to your account, and the Interest\nCharge on cash advances or balance transfers begins from the date you obtained the cash\nlocal network used to complete a Cash Advance transaction.\nadvance or balance transfer, or the first day of the billing cycle in which it is posted to your\n3. OVERLIMIT CHARGES: Cardholder shall immediately pay the amount by which the total account, whichever is later. There is no grace period.\nNew Balance exceeds the maximum authorized credit. An Overlimit Charge equal to the The Interest Charges for a billing cycle are computed by applying the monthly Periodic Rate to\ngreater of $__N/A____ , or___N/A___ % of the Amount overlimit, shall be imposed, not to the "average daily balance" of your account. To get the average daily balance, we take the\nexceed $__N/A___ (For California accounts see, Sec. 9.)\nbeginning balance of your account each day, add any new purchases or cash advances, and\nsubtract any payments, credits, non-accruing fees, and unpaid Interest Charges. This gives us\n4. ANNUAL FEE\nthe daily balance. Then we add up all the daily balances for the billing cycle and divide the total\na. A non-refundable Annual Fee of $__N/A___ plus applicable taxes, shall be charged to your\nby the number of days in the billing cycle.\naccount, or\nMethod E - Average Daily Balance (excluding current transactions). To avoid incurring an\nb. Using Plan______N/A________ (see Sec. 11) An Annual Fee/Interest Charge of $_N/A_ additional Interest Charge on the balance of purchases (and cash advances if Method E is\nplus applicable taxes shall be charged unless, for the time period analyzed, you charged more specified as applicable to cash advances) reflected on your monthly statement, you must pay\nthan $______N/A________ or had more than _N/A_ transactions on your card\nthe New Balance shown on your monthly statement on or before the Payment Due Date. The\ngrace period for the New Balance of purchases extends to the Payment Due Date.\n5. MINIMUM PAYMENT:\na. The minimum payment required is the New Balance shown on your statement if the amount The Interest Charges for a billing cycle are computed by applying the monthly Periodic Rate to\nthe "average daily balance" of purchases (and if applicable, cash advances). To get the\nis equal to or less than $__25.00___\naverage daily balance, we take the beginning balance of your account each day and subtract\nb.\nIf the New Balance exceeds $__25.00__ the minimum payment is__2.00___ % of that any payments, credits, non-accruing fees, and unpaid Interest Charges. We do not add in new\nportion of the New Balance which does not exceed your credit limit (rounded up to the nearest purchases or cash advances. This gives us the daily balance. Then we add up all the daily\ndollar), or $__25.00__________, whichever is greater, plus the entire portion of the New balances for the billing cycle and divide the total by the number of days in the billing cycle.\nBalance in excess of your credit limit, plus any amount past due.\nMethod F - Average Daily Balance (including current transactions). To avoid incurring an\n6. LATE CHARGES: If the minimum required payment is not received within__0__ days after additional Interest Charge on the beginning balance of cash advances (and purchases, if\n29.00\nMethod F is specified as applicable to purchases) reflected on your monthly statement, you\nthe Closing Date subsequent to the payment Due Date, a late charge of up to $_______,\nor__N/A____ %, whichever is less, of the unpaid portion of the past due amount is imposed, must pay the Beginning Balance shown on your monthly statement on or before the Payment\nDue Date. No grace period is provided for current cycle transactions.\nbut not to exceed $_______.\n29.00\n7. The only Interest Charges assessed on your account other than those assessed by a The Interest Charges for a billing cycle are computed by applying the monthly Periodic Rate to\nperiodic rate, will be transaction Interest Charges in connection with Cash Advances or the "average daily balance" of cash advances (and if applicable, purchases). To get the\nBalance Transfers if part of your Plan. Transaction Interest Charges for each Cash Advance or average daily balance, we take the beginning balance of your account each day, add any new\nBalance Transfer will be imposed on the date the Cash Advance or Balance Transfer was purchases or cash advances, and subtract any payments, credits, non-accruing fees, and\nunpaid Interest Charges. This gives us the daily balance. Then we add up all the daily balances\nposted to your account. No grace period applies on any transaction Interest Charge imposed\nfor the billing cycle and divide the total by the number of days in the billing cycle.\nfor Cash Advance or Balance Transfer.\nMethod G - Average Daily Balance (including current transactions). To avoid incurring an\n8. Documentary stamp taxes as may be required by law shall be imposed on each Cash additional Interest Charge on the balance of purchases (and cash advances, if Method G is\nAdvance at the time the loan is made.\nspecified as applicable to cash advances) reflected on your monthly statement and, on any\n9. The annual fee shall be treated as a Credit Purchase for purposes of calculating Interest new purchases (and if applicable, cash advances) appearing on your next monthly statement\nyou must pay the New Balance, shown on your monthly statement, on or before the Payment\nCharges, unless prohibited by law.\nDue Date. The grace period for the New Balance of purchases extends to the Payment Due\n10. In California a maximum of $10 in Overlimit Fees may be imposed with respect to any\nDate.\ncharge that causes the outstanding balance to exceed the credit limit by $500 or 120 percent,\nwhichever is less. No more than one overlimit charge may be assessed within a single monthly The Interest Charges for a billing cycle are computed by applying the monthly Periodic Rate to\nthe "average daily balance" of purchases (and if applicable, cash advances). To get the\nbilling cycle.\naverage daily balance, we take the beginning balance of your account each day, add any new\npurchases or cash advances, and subtract any payments, credits, non-accruing fees, and\nunpaid Interest Charges. This gives us the daily balance. Then we add up all the daily balances\nfor the billing cycle and divide the total by the number of days in the billing cycle.\nIMPORTANT NOTICES\n*SIGN SIGNATURE PANEL ON THE BACK OF CARD(S) IMMEDIATELY. CARD(S) MUST BE SIGNED TO BE VALID. *DESTROY OLD CARD(S) NOW.\n*SAVE YOUR SALES SLIPS FOR COMPARISON WITH YOUR MONTHLY STATEMENT.\nLOST OR STOLEN CARD CALL (866) 929-1901\npage 1 of 3\nLASER FPDF FI13824 Rev 3-2020\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\nThe Periodic Rates and corresponding Annual Percentage Rates will vary with the market\nbased on the Prime Rate. The interest rates may increase or decrease if the highest rate of\ninterest identified as the \'Prime Rate\' in the \'Money Rates\' column of the Wall Street Journal\nincreases or decreases as of the 10th calendar day of the month. The Annual Percentage Rate\nwill be equal to the Prime Rate plus a margin of: ______________________\n% for Credit\n4.99-13.99\n4.99-13.99\nPurchases;\n______________________\n%\nfor\nBalance\nTransfers;\nand\n14.65\n______________________\n% for Cash Advances, and then rounded to the nearest 0.010%.\nThe monthly Periodic Rate will be equal to the Annual Percentage Rate divided by twelve. The\ninterest rate can change monthly on the 25th calendar day of any month in which the Prime\nRate changes. For example, a new Prime Rate on March 10 means your rate will change on\nMarch 25. The Annual Percentage Rate will never be more than ___18.00___%.\n\n\x0cTERMS GOVERNING THE USE OF YOUR CARD\nThe person ("Cardholder") whose name is embossed on the face of the VISA ("Card") enclosed\nherewith, and each Cardholder, in the event more than one Card is enclosed herewith bearing the\nsame account number, by signing or using said Card, receipt of which is acknowledged, agrees\nwith the Issuer of the Card whose name is printed on the reverse ("Issuer") as follows:\nA. Goods and services ("Credit Purchases") may be purchased or leased by means of such card\nby Cardholder from any retail business establishment ("Seller") who honors same upon the\nexecution of a sales slip evidencing such Credit Purchases and bearing the account number of\nCardholder embossed on the face of such Card. Additionally, VISA Cash Advances ("Loans") may\nbe obtained through use of such Card (a) upon execution of a written request of Cardholder in a\nform furnished to Cardholder from any financial institution that is a member, alone or in association\nwith others, of VISA U.S.A. Inc. and (b) upon execution of a written separate agreement with\nissuer for a VISA overdraft financing agreement, if offered by Issuer.\nB. Cardholder shall be liable and agrees to pay Issuer for Credit Purchases made by, or for Loans\nextended to, Cardholder or anyone else using such Card unless the use of such Card is by a\nperson other than the Cardholder (a) who does not have actual, implied or apparent authority for\nsuch use, and (b) from which Cardholder receives no benefit. Additionally, Cardholder shall be\njointly and severally liable and agrees to pay for all Credit Purchases and Loans obtained through\nthe use of any other Card bearing Cardholder\'s account number that has been issued to another\nperson by reason of such person being a member of Cardholder\'s family, or otherwise issued upon\nCardholder\'s request (all such Cards bearing the VISA account number hereinafter collectively\ncalled "Related Cards").\nC. Cardholder agrees to pay to Issuer an annual membership fee (as stated in the Disclosures on\nthe reverse) for participation in the Issuer\'s credit card plan. Such annual membership fee shall be\nimposed whether or not Cardholder uses the card to obtain credit purchases and loans. The\nmembership fee shall be charged to Cardholder\'s account each year in the month of Issuer\'s\nchoice. The membership fee is not refundable in the event of termination of the account by either\nCardholder or Issuer unless otherwise provided for by law.\nD. Each Card is the property of Issuer, is not transferable and must be surrendered upon demand.\nIt can be canceled as well as repossessed by Issuer or its designee, and the privileges thereof\nrevoked, at any time without prior notice.\nE. Cardholder shall not use the card or permit the use of Related Cards to obtain Credit\nPurchases or Loans which will increase Cardholder\'s indebtedness to Issuer to an amount in\nexcess of the limit established by Issuer.\nF. All Credit Purchases and Loans are effected at the option of the Seller and Cash Advancing\nFinancial Institution, respectively, and Issuer is not responsible for the refusal of any plan merchant\nor financial institution to honor the Card. Also, Issuer is not responsible for goods or services that\nCardholder purchases with the Card unless: (a) the purchase was made in response to an\nadvertisement Issuer sent or participated in sending Cardholder; or (b) the purchase cost more\nthan $50 and was made from a plan merchant in Cardholder\'s state or within 100 miles of\nCardholder\'s home; and only if Cardholder has made a good faith attempt, but have been unable\nto obtain satisfaction from the plan merchant. Cardholder must resolve all other disputes directly\nwith the plan merchant. Issuer does not warrant any merchandise or services purchased by\nCardholder with the Card.\nG. Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting\nfor the prior monthly period all VISA Card and Related Card transactions. Such statement shall be\ndeemed correct and accepted by Cardholder and all holders of Related Cards unless Issuer is\nnotified to the contrary in writing within 60 days of mailing of such statement. Cardholder will pay\nsuch statement by remitting to Issuer within 25 days of the closing date reflected on the statement\neither the full amount billed or, at Cardholder\'s option, an installment equal to at least the required\nminimum payment stated in Section 4 on page 1 of this document.\nH. Interest on Loans and Credit Purchases will be charged in accordance with the Interest Charge\ncalculation method referred to in Section 1 of the Disclosures on page 1 of this document. The rate\nof interest shall be established by Issuer from time to time, but shall never exceed the maximum\nrate permitted by law. The current interest rate per annum is the Annual Percentage Rate set forth\nin Section 1 of the Disclosures on page 1 of this document.\nI. If the card is canceled or surrender is demanded by Issuer, or if Cardholder defaults in any\npayment due, or is deceased, bankrupt or insolvent, or any attachment or garnishment\nproceedings are initiated against Cardholder or his property, Issuer may elect to declare all\namounts then owed to Issuer to be immediately due and payable without notice or demand of any\nkind. If Cardholder has other loans from Issuer, or takes out other loans with Issuer in the future,\ncollateral securing those loans will also secure the Cardholder\'s obligations under this agreement.\nHowever, unless the Cardholder expressly agrees otherwise, the Cardholder\'s household goods\nand dwelling will not secure Cardholder\'s obligations under this agreement even if Issuer has or\nlater acquires a security interest in the household goods or a mortgage on the dwelling. Cardholder\nagrees to pay all costs incurred by Issuer in collecting Cardholder\'s indebtedness or in enforcing\nthis agreement, including reasonable attorney\'s fees and also those costs, expenses and\nattorney\'s fees incurred in appellate, bankruptcy and post-judgment proceedings, except to the\nextent such costs, fees or expenses are prohibited by law.\nJ. This agreement may be amended from time to time by Issuer by written notice mailed to\nCardholder at Cardholder\'s last known address, subject to applicable law.\nK. Except to the extent that Federal law is applicable, the validity, construction and enforcement of\nthis agreement and all matters arising out of the issuance and use of the Card shall be governed\nby the laws of the state in which the principal office of Issuer is located.\nL. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not\nhonored by your financial institution, request a copy of a document, request a replacement card or\nuse your card for a transaction at an automated teller machine, if such charges are not prohibited\nby law or regulation. No Interest Charge will be assessed on such additional charges.\nLASER FPDF FI13824 Rev 3-2020\n\nM. Cardholder may be liable for the unauthorized use of the Card or Related Cards as provided\nin this paragraph. Unless Issuer can prove the Cardholder was negligent or committed fraud in\nthe use or handling of the Card, the Cardholder will not be liable for any unauthorized use that\noccurs after the Issuer is notified, orally or in writing at: Credit Card Security Department, P.O.\nBox 2070, Fort Mill, SC 29716, Telephone Number (866) 929-1901.\nIf Cardholder has a consumer account or a business account, there is no limit to Cardholder\'s\nliability for any unauthorized use that occurs before Cardholder notifies Issuer as provided\nherein; the business or organization may only impose liability on its employees for unauthorized\nuse of a card as authorized by federal law and regulation.\nN. Cardholder agrees that Issuer, its agents or service companies may monitor and/or record\nany telephone communications with Cardholder.\nO. Foreign Transactions; Currency Conversion. Purchases and cash advances made in foreign\ncurrencies will be billed to you in U.S. dollars. The conversion rate in dollars will be a rate\nselected by the card company from a range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the rate the card company\nitself receives, or the government- mandated rate in effect for the applicable central processing\ndate in each instance. All transactions processed outside of the United States (which may\ninclude internet transactions) will be charged a foreign transaction fee in the amount disclosed\non Cardholder\'s Truth-in- Lending Statement or similar document (as amended from time to\ntime).\nP. Issuer shall have sole discretion in how payments are applied to Cardholder\'s account\nsubject to applicable law. Issuer may accept checks marked "Payment in Full" or with words of\nsimilar effect without losing any of Issuer\'s rights to collect the full balance of Cardholder\'s\naccount. Payments must be made to Issuer in US dollars drawn on a US financial institution.\nQ. Issuer can reinvestigate and reevaluate any information Cardholder provided on\nCardholder\'s credit application at any time, and in the course of doing so, Issuer may ask\nCardholder for additional information, request credit bureau reports and/or otherwise verify\nCardholder\'s current credit standing.\nR. Cardholder agrees that Issuer may re-release information to others, such as credit bureaus,\nregarding the status and history of Cardholder\'s account. However, Issuer is not obligated to\nrelease any such information to anyone unless Issuer is required by law to do so.\nS. Cardholder agrees that Cardholder\'s account shall be subject to all applicable rules and\nregulations of VISA U.S.A. Inc., as applicable, as well as all applicable laws. If there is any\nconflict between the provision of this Agreement and the rules and regulations of VISA U.S.A.\nInc., the rules and regulations of VISA U.S.A. Inc. shall control. Your Visa Card may not be\nused for any illegal transaction(s).\nT. Cardholder shall not use the Card or account to make or facilitate any illegal transactions as\ndetermined by applicable law; and that any such use will constitute an event of default under\nthis Agreement. Issuer may decline any transaction that it believes to be illegal under\napplicable law, including but not limited to any transaction involving or relating to any gambling\nactivity. Cardholder agrees that Issuer will have no liability or responsibility for any such use by\nCardholder or any authorized user(s); or for declining any such transaction. Cardholder further\nagree to indemnify and hold Issuer harmless from any suits, liability, damages or adverse\naction of any kind that results directly or indirectly from such illegal use. Cardholder promises to\npay Issuer any and all amounts owing on the Card for any transactions made by Cardholder,\neven if the transaction is determined to be illegal.\nU. Merchants and others who honor the Card may give credit for returns or adjustments, and\nthey will do so by submitting a credit slip which will be posted to Cardholder\'s account. If the\ncredits and payments exceed what Cardholder owes, the amount will be applied against future\npurchases and cash advances. If the credit balance amount is $1 or more, it will be refunded\nupon Cardholder\'s written or verbal request.\nV. From time to time the Issuer may offer a special rate applicable to certain transactions such\nas particular purchases (as defined by the Issuer), balance transfers, cash advances or\npurchases made by using Convenience Checks. Applicable terms and conditions will be\ndisclosed at the time any such promotion is offered, and are incorporated into this agreement\nby reference. The promotional rate will apply only to the transactions and for the period of time\nset forth in any such offer from the Issuer. Existing balances and new purchases or advances\nnot expressly subject to any such promotion will remain governed by the terms and conditions\nof this agreement. In addition, the terms and conditions of this agreement will govern\nCardholder\'s obligations regarding any unpaid balance or transactions that are made subject to\nany such promotional offer, that are not fully paid within the time period set forth in such\npromotional offer.\nW. The Issuer may offer Cardholder the opportunity to not make ("skip") a minimum payment\nduring certain designated billing cycles ("skip payment period"). If Cardholder does not make\nminimum payments as provided in this agreement, during such designated billing cycles,\nCardholder understands that Issuer will continue to apply finance charges to the account.\nBeginning with the billing cycle following an allowed skip payment period, all other provisions of\nthis agreement will apply. The Issuer has no obligation to accept Cardholder\'s application for\nany skip payment period offered, and Cardholder authorizes Issuer to investigate Cardholder\'s\ncreditworthiness including obtaining consumer credit reports. The Issuer may charge an\napplication processing fee of up to $50.00 for each skip payment period that issuer may offer to\ncover the costs of investigating Cardholder\'s qualifications for this extension including but not\nlimited to the costs associated with researching Cardholder\'s creditworthiness.\nX. If Cardholder elects debt protection, as set forth in the Cardholder\'s application, then the\ncharges will be added to the account balance on each billing cycle, if the debt protection\napplication is approved. Debt protection is voluntary and not required to obtain a credit card\naccount with the Issuer. Cardholder has a right to terminate this debt protection at anytime by\nnotifying the Issuer in writing.\n\npage 2 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit\nBilling 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(es) listed on your\nstatement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. 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\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do, we are not\nrequired to 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\nalso tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you\nwhy we believe the bill is 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 you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder\nof your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nLASER FPDF FI13824 Rev 3-2020\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or\nother fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along\nwith applicable interest and fees. We will send you a statement of the amount you owe and the\ndate payment is due. We may then report you as delinquent if you do not pay the amount we\nthink you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10\ndays telling us that you still refuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must tell you the name of anyone\nto whom we reported you as delinquent, 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 pay the first $50 of the amount\nyou question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit\ncard, and you have tried in good faith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an advertisement we mailed to you, or if\nwe 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\nadvances from an ATM or with a check 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\nwriting at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After\nwe finish our investigation, we will tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\n\npage 3 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cAffordable Rate\n\nTRUTH-IN-LENDING DISCLOSURE STATEMENT - ACCOUNT OPENING DISCLOSURES\nThe following disclosure represents important details concerning your credit card. This statement is incorporated into and becomes a part of your Credit\nCard Agreement. We reserve the right to periodically review your credit standing and to increase any rate on your new balances, in accordance\nwith applicable law.\nINTEREST RATES and INTEREST CHARGES:\nAnnual Percentage Rate (APR) for\nPurchases and Balance Transfers\n\n1.90%\n\ntwelve\nIntroductory APR for ____________\nmonths. After that, your Standard\nAPR will be\n\n8.24-17.24%\n\nThis APR will vary with the market based on the Prime Rate*.\n\nThis APR will vary with the market based on the Prime Rate*.\n\nAPR for Cash Advances\n\n17.90%\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not charge you interest on\npurchases if you pay your entire new purchase balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the transaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain your Account\n- Annual Fee:\n\nNone\n\nTransaction Fees\n- Balance Transfer:\n- Cash Advance:\n- Foreign Transaction:\n\n___%\nof the amount of each transfer (minimum: $5.00)\n2\n2\n___%\nof the amount of each cash advance (minimum: $5.00)\n1\n___%\nof each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment:\n- Over-the-Credit Limit:\n- Returned Payment:\n\n0\n29.00 if your payment is late _____\nUp to $_______\ndays or more\nNone\n25.00 if your payment is returned for any reason\nUp to $_______\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including current transactions)", which means we calculate the\nbalance by adding together all new purchases and other transactions and subtracting payments and credits for each day in the billing cycle, adding these\ndaily balances, and dividing by the number of days in the billing cycle. See your account agreement for more details.\nLoss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nOTHER IMPORTANT DISCLOSURES:\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO\nSECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR\nFEDERAL LAW. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE CAN\nAPPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or\nfederal law if given are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans may also secure your obligations under this agreement.\n*Variable Rates: The Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the \'Prime Rate\' in the \'Money Rates\' column of the Wall Street Journal\n4.99-13.99\nincreases or decreases as of the 10th calendar day of the month. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of: _____________%\nand then rounded to the\nnearest 0.010%. The interest rate can change monthly on the 25th calendar day of any month in which the Prime Rate changes. For example, a new Prime Rate on March 10 means your rate will\nchange on March 25. The Annual Percentage Rate will never be more than 18.00%. Any increase will lengthen the time it takes to payoff the loan.\nDaily Periodic Rates: Introductory Rate: 0.00521\nBalance Transfers: 0.02258-0.04723\n\n%; Purchases: 0.02258-0.04723\n%.\n\n%; Cash Advances: 0.04904\n\n%;\n\nOther Fees: In addition to the fees disclosed above, the following fees may be imposed:\nDocument/Statement Copy Fee:\n$2.00 per page\nCard Replacement Fee:\n$10.00\nPay-by-Phone Fee:\n$10.00\nMinimum Payment Requirements: The minimum payment required is the New Balance shown on your statement if the amount is equal to or less than $25.00. If the New Balance exceeds\n$25.00 the minimum payment is 2.00% of that portion of the New Balance which does not exceed your credit limit (rounded up to the nearest dollar), or $25.00, whichever is greater, plus the\nentire portion of the New Balance in excess of your credit limit, plus any amount past due.\nLASER FPDF FI13824 Rev 3-2020\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'