b'MXH0317-SD\n\n700 Main St.\nP.O. Box 3398\nBaton Rouge, LA 70821-3398\n(800) 522-2748\n\nREWARDS\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n1.99% introductory APR for a period of 12 months on transactions posted to\nyour account during the first three months following the opening of your\naccount.\n\nAfter that, your APR will be 10.75% to 18.00%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate.\nAPR for Cash Advances\n\nAPR for Balance Transfers\n\nApplication of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in\nmaking a payment.\n\nOTHER DISCLOSURES\nLate Payment Fee\n\n0.00% introductory APR for a period of 12 months on transactions posted\n\n18.00%\n\nHow to Avoid Paying Interest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We do not\ncharge you interest on purchases if you pay your entire balance by the due\ndate each month.\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at http://www.consumerfinance.gov/learnmore.\n\nFees\n\n- Foreign Transaction Fee\n\n$4.00 or 2.00% of the amount of each cash advance, whichever\nis greater (Maximum Fee: $100.00 )\n1.00% of each multiple currency transaction in U.S. dollars\n1.00% of each single currency transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $25.00\nUp to $25.00\n\nDLAJD4 (MXC401 CCM003)-e\n\nuse your card to make purchases from merchants and others who accept your card. The credit union is not responsible for the refusal of\nany merchant or financial institution to honor your card. If you wish to pay for goods or services over the Internet, you may be required\nto provide card number security information before you will be permitted to complete the transaction. In addition, you may obtain cash\nadvances from the Credit Union, from other financial institutions that accept your card, and from some automated teller machines\n(ATMs). (Not all ATMs accept your card.) If the credit union authorizes ATM transactions with your card, it will issue you a personal\nidentification number (PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree\nthat you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use your card for\nan illegal transaction, you will be responsible for all amounts and charges incurred in connection with the transaction. If you are\npermitted to obtain cash advances on your account, you may also use your card to purchase instruments and engage in transactions\nthat we consider the equivalent of cash. Such transactions will be posted to your account as cash advances and include, but are not\nlimited to, wire transfers and money orders. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of convenience checks or any\nother charge) made to your account by you or anyone you authorize to use your account. You also promise to pay all finance charges\nand other charges added to your account under the terms of this Agreement or another agreement you made with the Credit Union. If\nthis is a joint account, the paragraph on JOINT ACCOUNTS also applies to your account.\n\nEffective Date.\nThe information about the costs of the card described in this application is accurate as of January 1, 2017.\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\n\nStatement Copy Fee\nDocument Copy Fee\nRush Fee\nPay-by-Phone Fee\nSkip Payment\n\nThis APR may be applied to the entire balance on your account if you:\n- Make a late payment\nHow Long Will the Penalty APR Apply? If your APRs are increased for any of\nthese reasons, the Penalty APR will apply until your account is current for six\n(6) consecutive months.\n\n\xc2\xa9CUNA MUTUAL GROUP, 2009, 10, 12 ALL RIGHTS RESERVED\n\nLoss of Introductory APR. We may end your Introductory APR for purchases and balance transfers and apply the\nPenalty APR if you are 60 days late in making a payment.\n\nReturned Payment Fee\n\nAfter that, your APR will be 10.75% to 18.00%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate.\n\nTransaction Fees\n- Cash Advance Fee\n\nPromotional Period for Introductory APR. The Introductory APR for purchases and balance transfers will apply to\ntransactions posted to your account during the first three months following the opening of your account. Any existing\nbalances on current La Capitol Federal Credit Union credit card or loan accounts are not eligible for the promotional\nrates.\n\n10.75% to 18.00% when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate.\n\nto your account during the first three months following the opening of your\naccount.\n\nPenalty APR and When it Applies\n\nHow We Will Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\n\n$25.00 or the amount of the required minimum payment, whichever\nis less, if you are one (1) or more days late in making a payment.\n$25.00 or the amount of the required minimum payment, whichever\nis less.\n$1.00 per page\n$5.00\n$35.00\n$5.00 per payment\n$30.00 Fee assessed when accepting skip payment offer.\n\nPRIME PLUS AND REWARDS - CONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card Account Opening\nDisclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement and is part of the Agreement. In\nthis Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who agree to be bound by this Agreement; "card" means\nthe Visa credit card and any duplicates, renewals, or substitutions the Credit Union issues to you; "account" means your Visa credit card\nline-of-credit account with the Credit Union; and "Credit Union" means the Credit Union whose name appears on this Agreement or\nanyone to whom the Credit Union transfers this Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you. You agree that\nyour credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other charges") which you will have\noutstanding on your account at any time. Unless disclosed otherwise, the Credit Union will not allow advances over the credit limit. If\nthe Credit Union has a program whereby it allows payment of advances that exceed your credit limit, subject to a fee, the Credit Union\nwill provide you with notice, either orally, in writing, or electronically (notwithstanding the requirements of the paragraph entitled\n\xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right to opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the\ncredit limit. In the event you opt in to such a program, you agree to the terms of such a program. You may request an increase in your\ncredit limit only by a method acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to\nmake an advance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain cash\nadvances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your account.\nConvenience checks may not be used to make a payment on your account balance. If you use a convenience check, it will be posted to\nyour account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason and\nsuch refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee imposed to stop a\npayment on a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in writing. Your\nrequest must be made with sufficient time in advance of the presentment of the check for payment to give us a reasonable opportunity\nto act on your request. In addition, your request must accurately describe the check including the exact account number, the payee, any\ncheck number that may be applicable, and the exact amount of the check. If permitted, you may make a stop payment request orally\nbut such a request will expire after 14 days unless you confirm your request in writing within that time. Written stop payment orders are\neffective only for six (6) 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. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to\nassign to us all of your rights against the payee or other holders of the check or draft and to assist us in any legal action. You agree to\nindemnify and hold us harmless from all costs and expenses, including attorney\'s fees, damages, or claims, related to our honoring your\nstop payment request or in failing to stop payment of an item as a result of incorrect information provided to us or the giving of\ninadequate time to act upon a stop payment request.\n\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are disclosed on the Disclosure\nthat accompanies this Agreement. Any penalty rate that may be imposed for failing to make a payment by the payment due date is also\ndisclosed on the Disclosure. Any rate change will be made pursuant to applicable law. If the rate for your account is variable, as\nindicated on the accompanying Disclosure, the rate charged on purchases, cash advances, balance transfers and any penalty rate will\nvary periodically as disclosed in the Disclosure accompanying this Agreement. The initial rate on your account for certain types of\ntransactions may be an introductory discounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that\ntype of transaction. If an Introductory Rate applies to your account, the rates and the period of time it will be effective is shown on the\nDisclosure accompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to the\nrates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge for that billing\ncycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new balance on the previous cycle\'s\nbilling statement by the payment due date of that statement; otherwise a finance charge will accrue from the transaction date. To avoid\nan additional finance charge on the balance of purchases, you must pay the entire new balance on the billing statement by the\npayment due date of that statement. A finance charge begins to accrue on cash advances from the date you get the cash advance or\nfrom the first day of the billing cycle in which the cash advance is posted to your account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by\napplying the periodic rate to the average daily balance of purchases. To calculate the average daily balance of purchases, we take the\nbeginning outstanding balance of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us\nthe daily balance of purchases. We then add all of the daily balances of purchases for the billing cycle together and divide the total by\nthe number of days in the billing cycle. This gives us the average daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash advances. To\ncalculate the average daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any\nnew cash advances, and subtract any payments and/or credits that we apply to the cash advance balance. This gives us the daily\nbalance of cash advances. We then add all of the daily balances of cash advances for the billing cycle together and divide the total by\nthe number of days in the billing cycle. This gives us the average daily balance of cash advances. Balance transfers are calculated in the\nsame manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your account in U.S.\ndollars. The exchange rate between the transaction currency and the billing currency used for processing international transactions is a\nrate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date, which rate\nmay vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central processing date. The\nexchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder\nstatement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including purchases, cash\nadvances and credits to your account. A fee (finance charge), calculated in U.S. dollars, will be imposed on all single currency foreign\ntransactions, including purchases, cash advances and credits to your account. A foreign transaction is any transaction that you complete\nor a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S.\nembassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute acknowledgement of\nreceipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You may\n\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to your account,\nthe fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your account may also be subject to\nadditional fees as set forth on the Disclosure accompanying this Agreement.\na. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance charge), a fee may be\ncharged to your account for transactions made outside of the United States or in a foreign currency.\nb. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when you do not make\nthe required minimum payment by or within the number of days of the statement Payment Due Date set forth on the Disclosure\naccompanying this Agreement.\nc. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your account when a\npayment is returned for any reason.\nd. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to your account for each copy of a sales draft or\nstatement that you request.\n\n\xc2\xa9CUNA MUTUAL GROUP, 2009, 10, 12 ALL RIGHTS RESERVED\n\n\xc2\xa9CUNA MUTUAL GROUP, 2009, 10, 12 ALL RIGHTS RESERVED\n\nDLAJD4 (MXC401 CCM003)-e\n\nDLAJD4 (MXC401 CCM003)-e\n\n\x0ce. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee may be charged to\nyour account for each copy of a sales draft or statement that you request (except when the request is made in connection with a billing\nerror made by the Credit Union).\nf. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your account for each\nrush card that you request, providing delivery of the card is also available by standard mail service, without paying a fee for delivery.\ng. Pay-by-Phone Fee. If your account is subject to the Pay-by-Phone Fee, a fee will be charged for each time you pay a fee by telephone\nas disclosed on the Disclosure accompanying this Agreement.\nh. Skip Payment Fee. If your account is subject to the Skip Payment Fee, a fee will be charged to your account as disclosed on the\nDisclosure accompanying this Agreement.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date specified on the\nstatement. You may pay more frequently, pay more than the minimum payment or pay the total new balance in full. If you make extra or\nlarger payments, you are still required to make at least the minimum payment each month your account has a balance (other than a\ncredit balance). For our Prime Plus, the minimum payment is 2.67% of your total new balance, or $25.00, whichever is greater, plus the\namount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges, and any amount you are\nover your credit limit by the date specified on the statement. For our Rewards, the minimum payment is 2.67% of your total new\nbalance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all outstanding\nunpaid fees and charges, and any amount you are over your credit limit by the date specified on the statement. The Credit Union also\nhas the right to demand immediate payment of any amount by which you are over your credit limit.\n\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit standing when\nopening or reviewing your account. You authorize the Credit Union to disclose information regarding your account to credit bureaus\nand creditors who inquire about your credit standing. If your account is eligible for emergency cash and/or emergency card\nreplacement services, and you request such services, you agree that we may provide personal information about you and your account\nthat is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or adjustments, and they\nwill do so by sending the Credit Union a credit slip which will be posted to your account. If your credits and payments exceed what you\nowe the Credit Union, the amount will be applied against future purchases and cash advances. If the credit balance amount is $1.00 or\nmore, it will be refunded upon your written request or automatically after six (6) months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional services to your\naccount, such as travel accident insurance, at no additional cost to you. You understand that the Credit Union is not obligated to offer\nsuch services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution to honor your\ncard. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the\ncard if you have made a good faith attempt but have been unable to obtain satisfaction from the merchant or service provider, and (a)\nyour purchase was made in response to an advertisement the Credit Union sent or participated in sending to you; or (b) your purchase\ncost more than $50.00 and was made in your state or within 100 miles of your home.\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:\nLa Capitol Federal Credit Union\n700 Main St\nBaton Rouge, LA 70802\nIn your letter, give us the following information:\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 believe it is a\nmistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\n\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit Union in any\nmanner the Credit Union chooses. However, in every case, in the event you make a payment in excess of the required minimum periodic\npayment, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage rate and any\nremaining portion to the other balances in descending order based on applicable annual percentage rate.\n\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all amounts owed\nunder this Agreement. This means that the Credit Union can require any one of you individually to repay the entire amount owed under\nthis Agreement. Each of you authorizes the other(s) to make purchases or cash advances individually. Any one of you may terminate the\naccount and the termination will be effective as to all of you.\n\nYou must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required to investigate\nany potential errors and you may have to pay the amount in question.\n\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and under any common\nlaw rights the Credit Union may have in any goods you purchase. If you give the Credit Union a specific pledge of shares by signing a\nseparate pledge of shares, your pledged shares will secure your account. You may not withdraw amounts that have been specifically\npledged to secure your account until the Credit Union agrees to release all or part of the pledged amount.\n\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even though the sales,\ncash advances, credit or other slips you sign or receive may contain different terms.\n\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 correct.\n\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union, except for shares\nin an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law if\ngiven as security. These other shares may be withdrawn unless you are in default under this agreement. You authorize the\nCredit Union to apply the balance in your individual or joint share accounts to pay any amounts due on your Account if you\nshould default.\n\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed to you at the appropriate address you have given the Credit\nUnion. Notice sent to any one of you will be considered notice to all.\n\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never be considered\nas security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date that it is due.\nYou will be in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy or\nbecome insolvent, that is, unable to pay your obligations when they become due. You will be in default if you make any false or\nmisleading statements in any credit application or credit update. You will also be in default if something happens that the Credit Union\nbelieves may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance without giving you\nnotice. If immediate payment is demanded, you agree to continue paying finance charges at the periodic rate charged before default,\nuntil what you owe has been paid, and any shares that were given as security for your account may be applied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us immediately, orally or in\nwriting, at 700 Main St., Baton Rouge, LA 70802 or telephone (800) 449-7728 seven (7) days a week, 24 hours a day, of the loss, theft, or\nunauthorized use of your credit card. You may be liable for the unauthorized use of your credit card. You will not be liable for\nunauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You will have no liability for\nunauthorized purchases made with your credit card, unless you are grossly negligent in the handling of your card. In any case, your\nliability will not exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms of this Agreement\nand any attached Disclosure from time to time. Notice of any change will be given in accordance with applicable law. If permitted by\nlaw and specified in the notice to you, the change will apply to your existing account balance as well as to future transactions.\n\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the terms and conditions\nof your account. This written Agreement and Disclosure may not be contradicted by evidence of any alleged oral agreement. Should\nany part of this Agreement or the Disclosure be found to be invalid or unenforceable, all other parts of this Agreement and Disclosure\nshall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n25. GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of gambling transaction.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for purchases, cash\nadvances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the conditions as set forth in the\nDisclosure accompanying this Agreement. Any rate increases applied to your account are subject to applicable notice requirements.\nPlease refer to the Disclosure for additional information regarding the Penalty Rate.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled\nbetween us.\n\n27. VOLUNTARY PAYMENT PROTECTION \xe2\x80\x94 We may offer Voluntary Payment Protection to you. Voluntary Payment Protection is not\nnecessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to add the fees or insurance charges\nmonthly to your loan balance and charge you interest on the entire balance. At our option we will change your payment or the period\nof time necessary to repay the loan balance. The rate used to determine the fees or insurance charges may change in the future. If the\nrate changes, we will provide any notices required by applicable law.\n\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\n\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n\n28. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and the Credit\nUnion. This written agreement may not be contradicted by evidence of any oral agreement.\n29. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON THIS NOTE MEANS THAT\nYOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT\nTO COLLECT FROM YOU.\n\nDLAJD4 (MXC401 CCM003)-e\n\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]\nat:\nLa Capitol Federal Credit Union\n700 Main St\nBaton Rouge, LA 70802\n\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union all cards\nupon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint account, the paragraph on\nJOINT ACCOUNTS of this Agreement also applies to termination of the account.\n\n\xc2\xa9CUNA MUTUAL GROUP, 2009, 10, 12 ALL RIGHTS RESERVED\n\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 amount.\n- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We\nwill send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do\nnot pay the amount we think you owe.\n\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will not affect your\nobligation to pay the account balance plus any finance and other charges you owe under this Agreement. Your obligation to pay the\naccount balance plus any finance and other charges you owe under this agreement are subject to all applicable laws and regulations\nregarding repayment requirements. You are also responsible for all transactions made to your account after termination, unless the\ntransactions were unauthorized.\n\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for authorized users that\nyou designate. You must notify us in writing of any termination of an authorized user\'s right to access your account. Your letter must\ninclude the name of the authorized user and your account number and/or any subaccount number issued to the authorized user along\nwith the authorized user\'s card and any convenience or other access checks issued to the authorized user. If you cannot return the\nauthorized user\'s card or access checks and if you request your account to be closed, we will close your account and you may apply for a\nnew account.\n\nWhat Will Happen After We Receive Your Letter\n\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.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\n\xc2\xa9CUNA MUTUAL GROUP, 2009, 10, 12 ALL RIGHTS RESERVED\n\nDLAJD4 (MXC401 CCM003)-e\n\n\xc2\xa9CUNA MUTUAL GROUP, 2009, 10, 12 ALL RIGHTS RESERVED\n\nDLAJD4 (MXC401 CCM003)-e\n\n\x0c'


b'providing photocopies and reprints that you\nrequest, and other special services as allowed\nby law.\n16. Amendments\xe2\x80\x94We may amend or cancel this\nagreement at any time by getting your consent as\nprovided by law or by giving you a notice of the\namendments. Cards are property of Credit Union\nof Texas and must be returned at our request.\n17. Military Lending Act\xe2\x80\x94Federal law provides\nimportant protections to members of the\nArmed Forces and their dependents relating to\nextensions of consumer credit. In general, the\ncost of consumer credit to a member of the Armed\nForces and his or her dependent may not exceed\nan annual percentage rate of 36 percent.\nThis rate must include, as applicable to the credit\ntransaction or account: the costs associated with\ncredit insurance premiums; fees for ancillary\nproducts sold in connection with the credit\ntransaction; any application fee charged (other\nthan certain application fees for specified credit\ntransactions or accounts); and any participation\nfee charged (other than certain participation fees\nfor a credit card account).\n18. Authorized Users\xe2\x80\x94If you ask us to issue a card\nto any other person, they are an Authorized User.\nWe may require certain information about them.\nWe may limit their ability to use your card. They\nmay have access to certain information about\nyour account. You will be responsible for their use\nof the account, even if you did not want, or agree\nto, that use. If you want to remove an Authorized\nUser from your account, you must contact\nCustomer Service and request their removal. You\nalso must immediately destroy all cards in their\npossession and cancel any arrangements they\nmay have set up on your account. They will be\nable to use your account until you have notified\nus that you are removing them from your account.\nDuring this time, you will still be responsible for all\n\namounts they charge to your account. You will be\nresponsible even if these amounts do not appear\non your account until later. Authorized Users\nmay remove themselves from your account upon\nrequest. We reserve the right to remove them\nfrom your account for any reason. To remove\nthem from your account, we may close your\nexisting account and issue a new card with a new\naccount number.\n19. YOUR BILLING RIGHTS:\nKEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your\nStatement\nIf you think there is an error on your statement, write\nto us at:\nMember Services\nBox 10409\nDes Moines, IA 50306-0409\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account\nnumber.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the\nsuspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an\nerror on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your\nstatement.\n\xe2\x80\xa2 At least 3 business days before an automated\npayment 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.\nYou may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to\npay the amount in question.\n\nWhat Will Happen After We Receive Your Letter\n\nwhen the matter has been settled between us.\n\nWhen we receive your letter, we must do two\nthings:\n1. Within 30 days of receiving your letter, we must\ntell you that we received your letter. We will also\ntell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must\neither correct the error or explain to you why we\nbelieve the bill is correct.\n\nIf we do not follow all of the rules above, you do not\nhave to pay the first $50 of the amount you question\neven if your bill is correct.\n\nWhile we investigate whether or not there has\nbeen an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question\nor report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your\nstatement, 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\nquestion, you are responsible for the remainder\nof your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your\ncredit limit.\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\nthe amount in question or any interest or other\nfees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You\nwill have to pay the amount in question, along\nwith applicable interest and fees. We will send\nyou a statement of the amount you owe and the\ndate payment is due. We may then report you as\ndelinquent if you do not pay the amount we think\nyou owe.\nIf you receive our explanation but still believe your bill\nis wrong, you must write to us within 10 days telling\nus that you still refuse to pay. If you do so, we cannot\nreport you as delinquent without also reporting\nthat you are questioning your bill. We must tell you\nthe name of anyone to whom we reported you as\ndelinquent, and we must let those organizations know\n\nYour Rights If You Are Dissatisfied With Your\nCredit Card Purchases\nIf you are dissatisfied with the goods or services that\nyou have purchased with your credit card, and you\nhave tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the\nremaining 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\nhome state or within 100 miles of your current\nmailing address, and the purchase price must\nhave been more than $50.\n(Note: Neither of these are necessary if your\npurchase was based on an advertisement we\nmailed to you, or if we own the company that\nsold you the goods or services.)\n2. You must have used your credit card for the\npurchase. Purchases made with cash advances\nfrom an ATM or with a check that accesses your\ncredit 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\ndissatisfied with the purchase, contact us in writing\nat:\nMember Services\nP.O. Box 10409\nDes Moines, IA 50306-0409\nWhile we investigate, the same rules apply to the\ndisputed amount as discussed above. After we finish\nour investigation, we will tell you our decision. At that\npoint, if we think you owe an amount and you do not\npay, we may report you as delinquent.\n\nCardholder\nAgreement\nDefined terms \xe2\x80\x93 The following terms have defined\nmeanings in this agreement: \xe2\x80\x9cAccount\xe2\x80\x9d means the\ncredit Account regulated by this agreement. \xe2\x80\x9cCard\xe2\x80\x9d\nmeans the plastic cards issued under this agreement,\nincluding the numbers printed on the plastic cards.\n\xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean Credit Union of Texas.\n\xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean anyone who signs an\napplication for this Account or is a guarantor of this\nAccount. \xe2\x80\x9cApproval Letter\xe2\x80\x9d means our letter to you\napproving your application and the enclosed pricing\ninformation and other information describing some of\nthe terms of the Account, all of which are part of this\nagreement.\nBy signing, using or activating a Card, you accept the\nterms and conditions of this agreement and of the\nApproval Letter. If any provision of this agreement is\ndetermined to be unlawful, the rest of the agreement\nwill stand, and the unlawful provision will be deemed\namended to conform to applicable law. All Cards are\nour property and must be returned to us immediately\naccording to our instructions, and we may repossess\na Card at any time in our sole discretion.\n1. Promise to pay\xe2\x80\x94You agree to pay us the total\namount of purchases, cash advances, finance\ncharges or other fees or charges which arise\n\nLS 9276\n8/18\n\n\x0cfrom use of a Card by you or any other authorized\nperson, unless the other person does not have\nactual, implied, or apparent authority for such use\nand you receive no personal benefit from the use.\nYou agree to be jointly and severally liable with\nanyone else who has made the same promise.\n2. Credit limit\xe2\x80\x94Your credit limit is reflected on your\nmonthly statement. You promise to make purchases\nand cash advances only up to your credit limit. Your\npromise to pay continues to apply even if the\namount due exceeds your credit limit. Obtaining\ncredit in excess of your credit limit does not increase\nyour credit limit. We can change your credit limit at\nany time to any amount (including zero). We will\nstate the new credit limit on your next monthly\nstatement.\n3. Purchases and cash advances\xe2\x80\x94You may use\nyour Card, up to your credit limit, to buy or lease\ngoods, services or insurance wherever the Card is\nhonored. You may also use your Card to get a cash\nadvance from participating financial institutions.\nHowever, you agree not to use your Card for any\ntransaction that is illegal under applicable federal,\nstate or local law, and you understand that any\nsuch use will constitute an event of default under\nthis agreement. We are not responsible for the\nrefusal of anyone to honor your Card.\n4. Monthly statements\xe2\x80\x94We will send you a\nstatement at the end of each billing cycle in which\nthe Account has a balance. The due date for your\npayment will be 25 days after the last day covered\nby the statement.\n5. Payments\xe2\x80\x94You agree to make the minimum\nmonthly payments that are described in the\nApproval Letter, and to follow the payment\ninstructions on your monthly statement. We may\naccept late payments, partial payments, postdated checks, or any form of payment containing\na restrictive endorsement, without losing any of\nour rights under this agreement. Our acceptance\n\nof checks or money orders labeled \xe2\x80\x9cpayment in\nfull\xe2\x80\x9d or words to that effect, will not constitute an\naccord and satisfaction nor a waiver of any rights\nwe have to receive full payment. Payments\non your Account that exceed the minimum\npayment due will be allocated first to the Account\nbalance with the highest APR, and then to each\nconsecutive Account balance bearing the next\nhighest APR, at the time payment is posted to\nyour Account. Payments on your Account that\ndo not exceed the minimum payment due will be\napplied in the following order: finance charges,\nfees, any applicable installment balance minimum\namount due that is calculated separately from\nthe minimum payment due, the Account balance\nwith the lowest APR, then to each consecutive\nAccount balance bearing the next lowest APR at\nthe time payment is posted to your Account.\n6. Balance Computation Method\xe2\x80\x94We figure the\ninterest charge on your account by applying the\nperiodic rate, as stated in the enclosed pricing\ninformation, to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your\naccount. To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d we\ntake the beginning balance of your account each\nday, add any new purchases/advances/fees, and\nsubtract any unpaid interest or other finance\ncharges and any payments or credits. This gives\nus the daily balance. Then, we add up all the daily\nbalances for the billing cycle and divide the total\nby the number of days in the billing cycle. This\ngives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\n7. Cash advance fee\xe2\x80\x94Cash advances are subject\nto the cash advance fee stated in the enclosed\ndisclosure table. The cash advance fee is a\nfinance charge and is imposed on the date of the\ncash advance. Interest does not accumulate on\nthis fee. The following transactions will be treated\nas cash advances:\n\xe2\x80\xa2\n\nUsing your Card to obtain cash from\na\nparticipating\nAutomated\nTeller\nMachine(\xe2\x80\x9cATM\xe2\x80\x9d);\n\n\xe2\x80\xa2\n\nUsing your Card to obtain cash from a\nparticipating financial institution;\n\n\xe2\x80\xa2\n\nObtaining money orders, travelers checks,\nforeign currency, lottery tickets, casino chips,\nvouchers redeemable for cash or similar\nitems;\n\n\xe2\x80\xa2\n\nBalance Transfers, if identified as cash\nadvances on your Approval Letter.\n\n8. Annual fee\xe2\x80\x94The annual fee, if there is one on\nthe Account, is stated in the enclosed pricing\ninformation. The annual fee is payable whether or\nnot you use the Card.\n9. Liability for unauthorized use\xe2\x80\x94If you notice\nthe loss or theft of your Card or a possible\nunauthorized use of your Card or Account, you\nshould write to us immediately at:\nP.O. Box 10409\nDes Moines, IA 50306-0409\nor call us at 1-800-234-5354.\nYou will not be liable for any unauthorized use\nthat occurs after you notify us. You may, however,\nbe liable for unauthorized use that occurs before\nyour notice to us.\nHowever, if you exercise reasonable care in\nsafeguarding your card from risk of loss or theft\nand, upon discovering the loss or theft promptly\nreport the loss or theft to us, you will not be liable\nfor any unauthorized transactions. In any case,\nyour liability will not exceed $50.\n10. Default\xe2\x80\x94You will be in default if you fail to make\nany minimum payment or other required payment\nby the date that it is due. You also will be in\ndefault if you violate any other provision of this\nagreement and such violation materially impairs\nthe prospect of you paying the amount due on\nthe Account. Upon default, we may demand\nimmediate payment of the entire amount due on\nthe Account and we may enforce our right to this\npayment as permitted by law.\n\n11. Consent to Security Interest\xe2\x80\x94 You grant us a\nsecurity interest in all individual and joint share\nand/or deposit accounts you have with us now\nand in the future to secure your credit card\naccount. When you are in default, you authorize\nus to apply the balance in these accounts to\nany amounts due. Shares and deposits in an\nIndividual Retirement Account, and any other\naccount that would lose special tax treatment\nunder state or federal law if given as security, are\nnot subject to the security interest you have given\nin your shares and deposits. For example, if you\nhave an unpaid credit card balance, you agree\nwe may use the funds in your account(s) to pay\nany or all of the unpaid balance. By using your\ncredit card, you are affirmatively agreeing that\nyou are aware that granting a security interest as\na condition for the credit card and you intend to\ngrant a security interest.\n12. Cross-Collateralization\xe2\x80\x94Credit extended under\nthis credit card is secured by various personal\nproperty and money including, but not limited to\nany good you purchase with this account any\nshares you specifically pledged as collateral for\nthis account and collateral securing other loans\nyou have with us, excluding dwellings.\n13. International transactions\xe2\x80\x94When you use your\nCard for a transaction denominated in a currency\nother than U.S. dollars, the transaction amount\nwill be converted into U.S. dollars by applying\nan exchange rate selected by Mastercard\nInternational from among the range of rates\navailable in wholesale currency markets or the\ngovernment-mandated rate on the date the\ntransaction is processed. The rate chosen may\nvary from the rate the Mastercard International\nitself receives. When you use your Card in a\ntransaction outside of the United States to make a\npurchase, obtain a cash advance, obtain a credit\nvoucher, or reverse any of these transactions,\na finance charge will be assessed against your\n\nAccount, as stated in the pricing information. The\nforeign transaction Fee is imposed on the date of\nthe transaction. Interest does not accrue on the\nforeign transaction fee.\n14. Credit reporting\xe2\x80\x94You authorize us to obtain\ncredit reports on you when opening, renewing or\nreviewing your Account, and you authorize us\nto disclose information regarding your Account\nto credit bureaus and other creditors who may\ninquire of us about your credit standing. If you think\nwe reported erroneous information to a credit\nreporting agency, write us at the Cardmember\nService address on your billing statement. We will\npromptly investigate the matter and, if we agree\nwith you, we will contact each credit reporting\nagency to which we reported request a correction.\nIf, after our investigation, we disagree with you,\nwe will tell you in writing or by telephone how to\nsubmit a statement to those agencies for inclusion\nin your credit report.\n15. Other fees\xe2\x80\x94The following charges will be\ncharged to your Account as appropriate:\nA. Late and returned payment fees--The\nfollowing types of fees may be imposed, if\napplicable:\n\xe2\x80\xa2 Late Payment Fee: A late payment fee,\nin the amount indicated in the enclosed\npricing information, may be imposed if\nthe required minimum payment due is\nnot received by the due date listed on the\nmonthly periodic statement.\n\xe2\x80\xa2 Returned Payment Fee: A returned\npayment fee, in the amount indicated in\nthe enclosed pricing information, may be\nimposed if your payment is returned for\nany reason.\nB. Replacement Cards, copies, and special\nservices. We may charge you a reasonable\nfee for issuing replacement cards, expediting\ndelivery of your card, an expedited payment\nmethod using a service representative,\n\n\x0c'


b'Pricing Information\nIn effect as of 07/01/2020\nINTERESTS RATES AND\nINTEREST CHARGES\nAnnual Percentage Rate\n(APR) For Purchases\n\n7.90% TO 17.90%, based on your creditworthiness.\nThis APR will vary with the market based on the prime rate.\n\nAPR for Balance Transfers\n\n9.90% TO 17.90%, based on your creditworthiness.\nThis APR will vary with the market based on the prime rate.\n\nAPR for Cash Advances\n\n9.90% TO 17.90%\nThis APR will vary with the market based on the prime rate.\n\nPenalty Pricing and When It\nApplies\n\nNone\n\nPaying Interest\n\nYour Due Date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by the\ndue date each month. We will begin charging interest on cash advances and\nbalance transfers on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be not less than $2.00.\n\nFor Credit Card Tips\nfrom The Bureau of\nConsumer Financial\nProtection\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Bureau of Consumer Financial\nProtection at http://www.consumerfinance.gov/learnmore\n\nFEES\nAnnual Fee\n\n$0.00\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer Fee\n\n$0.00\n\n\xe2\x80\xa2\n\nCash Advance Fee\n\nEither $10.00 or 2.000% of the amount of each cash advance, whichever is\ngreater.\n\n\xe2\x80\xa2\n\nForeign Transaction\nFee\n\n2% of each foreign transaction in U.S. dollars\n\nPenalty Fees\nUp to $25.00\n\xe2\x80\xa2 Late Payment Fee\n\xe2\x80\xa2 Over-The-Credit Limit $0.00\nFee\n\xe2\x80\xa2 Returned Payment Fee Up to $25.00\nHow We Will Calculate Your Balance: We use the average daily balance (including new purchases). This\nmethod is explained in the Cardholder Agreement.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights are\nprovided in the Cardholder Agreement.\nMinimum Payment: Your minimum payment will be 2% of your current balance or $15.00, whichever is\ngreater, unless your balance is less than $15.00. If your balance is less than $15.00, then your minimum\npayment will be the amount of your statement balance. Any amount that is past due will also be added to\nthe minimum monthly payment amount.\n1\n\n\x0cReplacement Cards, Copies and Special Services:\nStatement Copy Fee:\n$5.00\nRush Fee: $35.00\nEmergency Card Replacement Fee:\nUp To: $200.00\nResearch Fee: $25.00 per hour\nVARIABLE RATE:\nYour variable APR may change quarterly if the Prime Rate changes. Any change to your APR will take effect on\nthe first statement cycle after the beginning of the next quarter. Calendar quarters begin January 1, April 1, July\n1, and October 1 of each year.\nWe calculate variable rates by adding a percentage (also called a margin) to the Prime Rate published in the\nMoney Rates section of The Wall Street Journal 30 days before the end of the quarter. If the Wall Street Journal\nstops publishing the Prime Rate, we will choose a similar reference rate based upon comparable information.\nAny increase in the Prime Rate may increase your interest charges and your minimum payment. The current\nPrime Rate plus the percentage applicable to you is the rate reflected in your Account Opening Disclosure.\n\n2\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\nSHARE SECURED VISA POWER CARD\nApproved Credit Limit: ________\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n4.50%\n\nAPR for Balance Transfers\n\n4.50%\n\nThis APR will vary with the market based on the Prime Rate.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n4.50%\nThis APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases if You pay Your entire balance by\nthe due date each month. We will begin charging interest on cash advances\nand balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nNone\n\nNone\nNone\n1.00% of each multiple currency transaction in U.S. dollars\n0.80% of each single currency transaction in U.S. dollars\n\n- Transaction Fee for Purchases\n\nNone\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $20.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)." See Your Account Agreement for more\ndetails.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03720581- (MXC201-E)\n\n\x0cPlease call us at 1-800-288-6423, PRESS 7 to receive oral disclosures of the Military Lending Act disclosure above and a\ndescription of the payment obligation.\nOther Fees & Disclosures:\nLate Payment Fee:\n$20.00 or the amount of the required minimum payment, whichever is less, if You are 2 or more days late in making a\npayment. If Your Account is subject to a Late Payment Fee, the fee will be charged to Your Account when You do not\nmake the required minimum payment by or within the number of days of the statement Payment Due Date set forth on this\nDisclosure.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nReturned Convenience Check Fee:\n$25.00 or the amount of the returned convenience check, whichever is less. If Your Account is subject to a Returned\nConvenience Check Fee, the fee will be charged to Your Account when a convenience check is returned for any reason.\nCard Replacement Fee:\n$5.00. If Your Account is subject to a Card Replacement Fee, a fee will be charged for each replacement Card that is\nissued to You 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 charged to\nYour Account for each copy of a sales draft or statement that You request (except when the request is made in\nconnection with a billing error made by the Credit Union).\nRush Fee:\n$30.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$5.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Purchase APR is 4.50% which is a monthly periodic rate of 0.0375%.\nThe Balance Transfer APR is 4.50% which is a monthly periodic rate of 0.0375%.\nThe Cash Advance APR is 4.50% which is a monthly periodic rate of 0.0375%.\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE may increase in the future. The ANNUAL PERCENTAGE RATE is subject to change\non the first day of the billing cycle ending in January, April, July, and October to reflect any change in the Index and will be\ndetermined by the Prime Rate on first business day of March, June, September and December, to which We add a\nmargin. The ANNUAL PERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL\nPERCENTAGE RATE will result in an increase in the amount of the interest You will pay, may increase Your minimum\npayment, and may increase the number of payments to pay off Your balance. If the Index is no longer available, the Credit\nUnion will choose a new index which is based upon comparable information.\nMargin:\nPurchases will be charged at 0.00% above the Index.\nBalance Transfers will be charged at 0.00% above the Index.\nCash Advances will be charged at 0.00% above the Index.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03720581- (MXC201-E)\n\n\x0c'