b'213 Court Street, Suite 101\nMiddletown, CT 06457\nPhone: (860) 638-5360\nFax: (860) 638-5366\nwww.middconn.com\n\nCONSUMER 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 Disclosure.\nThe Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement and is part of the Agreement. In this Agreement the\nwords \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d mean each and all of those who agree to be bound by this Agreement; \xe2\x80\x9ccard\xe2\x80\x9d means the Visa credit card and\nany duplicates, renewals, or substitutions the Credit Union issues to you; \xe2\x80\x9caccount\xe2\x80\x9d means your Visa credit card line-of-credit account with the\nCredit Union; and \xe2\x80\x9cCredit Union\xe2\x80\x9d means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers\nthis 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 your\ncredit limit is the maximum amount (purchases, cash advances, finance charges, plus \xe2\x80\x9cother charges\xe2\x80\x9d) which you will have outstanding on your\naccount at any time. Unless disclosed otherwise, the Credit Union will not allow advances over the credit limit. If the Credit Union has a program\nwhereby it allows payment of advances that exceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally,\nin writing, or electronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right to opt in\nto the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in to such a program, you agree to\nthe terms of such a program. You may request an increase in your credit limit only by a method acceptable to the Credit Union. The Credit Union\nmay increase or decrease your credit limit, refuse to make an advance and/or terminate your account at any time for any reason not prohibited\nby law. If you are permitted to obtain cash advances on your account, we may, from time to time, issue convenience checks to you that may be\ndrawn on your account. Convenience checks may not be used to make a payment on your account balance. If you use a convenience check, it will\nbe posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for any reason\nand such 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 payment\non a convenience check issued on your account. You may make a stop payment request orally, if permitted, or in writing. Your request must be\nmade with sufficient time in advance of the presentment of the check for payment to give us a reasonable opportunity to act on your request.\nIn addition, your request must accurately describe the check including the exact account number, the payee, any check number that may be\napplicable, and the exact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after 14\ndays unless you confirm your request in writing within that time. Written stop payment orders are effective only for six (6) months and may be\nrenewed for additional six month periods by requesting in writing that the stop payment order be renewed. We are not required to notify you\nwhen a stop payment order expires. If we re-credit your account after paying a check or draft over a valid and timely stop payment order, you\nagree to sign a statement describing the dispute with the payee, to assign to us all of your rights against the payee or other holders of the check\nor draft and to assist us in any legal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\xe2\x80\x99s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result of incorrect information\nprovided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute acknowledgement of receipt\nand agreement to the terms of the Credit Card Agreement and Credit Card Account Opening Disclosure (Disclosure). You may use your card\nto make purchases from merchants and others who accept your card. The credit union is not responsible for the refusal of any merchant or\nfinancial institution to honor your card. If you wish to pay for goods or services over the Internet, you may be required to provide card number\nsecurity information before you will be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union,\nfrom other financial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your card.) If\nthe credit union authorizes ATM transactions with your card, it will issue you a personal identification number (PIN). To obtain cash advances\nfrom an ATM, you must use the PIN issued to you for use with your card. You agree that you will not use your card for any transaction that is\nillegal under applicable federal, state, or local law. Even if you use your card for an illegal transaction, you will be responsible for all amounts and\ncharges incurred in connection with the transaction. If you are permitted to obtain cash advances on your account, you may also use your card\nto purchase instruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your account\nas cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and casino gaming chips, as applicable.\nThis paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal.\n3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of convenience checks or any other\ncharge) made to your account by you or anyone you authorize to use your account. You also promise to pay all finance charges and other charges\nadded to your account under the terms of this Agreement or another agreement you made with the Credit Union. If this is a joint account, the\nparagraph on JOINT ACCOUNTS also applies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are disclosed on the Disclosure that\naccompanies this Agreement. Any penalty rate that may be imposed for failing to make a payment by the payment due date is also disclosed on\nthe Disclosure. Any rate change will be made pursuant to applicable law. If the rate for your account is variable, as indicated on the accompanying\nDisclosure, the rate charged on purchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the\nDisclosure accompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory discounted\nrate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an Introductory Rate applies to your\naccount, the rates and the period of time it will be effective is shown on the Disclosure accompanying this Agreement. After the Introductory Rate\nperiod expires, the periodic rate will automatically increase to the rates that would ordinarily apply for that type of transaction based on the terms\nof 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 cycle if you\nhad a zero or credit balance at the beginning of that billing cycle, or you paid the entire new balance on the previous cycle\xe2\x80\x99s billing statement by\nthe payment due date of that statement; otherwise a finance charge will accrue from the date a purchase is posted to your account. To avoid an\n\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights Reserved\n\n1-2382KK00\nCCM002\nMXC501\n\n\x0cadditional finance charge on the balance of purchases, you must pay the entire new balance on the billing statement by the payment due date of\nthat statement. A finance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the billing\ncycle 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 applying the\nperiodic rate to the average daily balance of purchases. To calculate the average daily balance of purchases, we take the beginning outstanding\nbalance of purchases each day, add any new purchases, and subtract any payments and/or credits. This gives us the daily balance of purchases.\nWe then add all of the daily balances of purchases for the billing cycle together and divide the total by the number of days in the billing cycle.\nThis 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 calculate the\naverage daily balance of cash advances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances,\nand subtract any payments and/or credits that we apply to the cash advance balance. This gives us the daily balance of cash advances. We then\nadd all of the daily balances of cash advances for the billing cycle together and divide the total by the number of days in the billing cycle. This\ngives us the average daily balance of cash advances. Balance transfers are calculated in the same 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. dollars. The\nexchange rate between the transaction currency and the billing currency used for processing international transactions is a rate selected by Visa\nfrom a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa\nitself receives or the government-mandated rate in effect for the applicable central processing date. The exchange rate used on the processing\ndate may differ from the rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all 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 or a\nmerchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or U.S.\nconsulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\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, the fee\namounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your account may also be subject to additional fees\nas set forth on the Disclosure accompanying this Agreement.\na. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account upon the issuance of your card. Each year\nfollowing, the annual fee will be charged to your account during the same month that you were first charged the fee. The fee will be charged each\nyear until your account is closed and paid in full.\nb. Balance Transfer Fee. If your account is subject to a Balance Transfer Fee, the fee will be charged to your account when you transfer a\nbalance from an account of another creditor to the account subject to this Agreement.\nc. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee will be charged to your\naccount when you obtain a cash advance from an ATM, the Credit Union or other financial institution.\nd. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance charge), a fee may be charged\nto your account for transactions made outside of the United States or in a foreign currency.\ne. 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 the required\nminimum payment by or within the number of days of the statement Payment Due Date set forth on the Disclosure accompanying this Agreement.\nf. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may charge you a fee as\nallowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing cycles unless you have obtained an\nadditional extension of credit in excess of such credit limit during each subsequent cycle or you have reduced the balance below the credit limit\nas of the end of each bill cycle.\ng. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your account when a payment is\nreturned for any reason.\nh. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is made\nin 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 statement that\nyou request.\ni. 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 your\naccount for each copy of a sales draft or statement that you request (except when the request is made in connection with a billing error made by\nthe Credit Union).\nj. 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 rush\ncard that you request, providing delivery of the card is also available by standard mail service, without paying a fee for delivery.\nk. Emergency Card Replacement Fee. If your account is subject to an Emergency Card Replacement Fee, a fee will be charged to your account\nfor each emergency replacement card that is issued to you.\nl. PIN Replacement Fee. If your account is subject to a PIN Replacement Fee, a fee will be charged to your account whenever you request a\nnew PIN number for your account.\nm. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each replacement card that is issued\nto you for any reason.\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 statement.\nYou may pay more frequently, pay more than the minimum payment or pay the total new balance in full. If you make extra or larger payments,\nyou are still required to make at least the minimum payment each month your account has a balance (other than a credit balance). For our Visa\nPlatinum, the minimum payment is 3.00% of your total new balance, or $20.00, whichever is greater, plus the amount of any prior minimum\npayments that you have not made, all outstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified\non the statement. For our Visa Secured, the minimum payment is 3.00% of your total new balance, or $20.00, 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 over your\ncredit limit by the date specified on the statement. The Credit Union also has the right to demand immediate payment of any amount by which\nyou are over your credit limit.\n\n\x0c9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit Union in any manner the\nCredit Union chooses. However, in every case, in the event you make a payment in excess of the required minimum periodic payment, the Credit\nUnion will allocate the excess amount first to the balance with the highest annual percentage rate and any remaining portion to the other balances\nin descending order based on applicable annual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and under any common law\nrights the Credit Union may have in any goods you purchase. If you give the Credit Union a specific pledge of shares by signing a separate pledge\nof shares, your pledged shares will secure your account. You may not withdraw amounts that have been specifically pledged to secure your\naccount until the Credit Union agrees to release all or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union, except for shares in an\nIndividual Retirement Account or in any other account that would lose special tax treatment under state or federal law if given as security.\nThese other shares may be withdrawn unless you are in default under this agreement. You authorize the Credit Union to apply the balance\nin your individual or joint share accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never be considered as\nsecurity for this account, notwithstanding anything to the contrary in any other agreement.\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. You will\nbe in default if you break any promise you make under this Agreement. You will be in default if you die, file for bankruptcy or become insolvent,\nthat is, unable to pay your obligations when they become due. You will be in default if you make any false or misleading statements in any credit\napplication or credit update. You will also be in default if something happens that the Credit Union believes may substantially reduce your ability\nto 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 notice. If\nimmediate payment is demanded, you agree to continue paying finance charges at the periodic rate charged before default, until what you owe\nhas 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 writing, at\n213 Court St, Suite 101 Middletown, CT 06457 or telephone 860-638-5360 Monday through Friday 9:00 a.m. to 5:00 p.m. or 888-960-4019\nMonday through Friday 9:00 a.m. to 5:00 p.m., of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized\nuse of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use.\nYou will have no liability for unauthorized purchases made with your credit card, unless you are grossly negligent in the handling of your card.\nIn any case, your liability 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 and any\nattached Disclosure from time to time. Notice of any change will be given in accordance with applicable law. If permitted by law and specified in\nthe notice to you, the change will apply to your existing account balance as well as to future transactions.\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 obligation\nto pay the account balance plus any finance and other charges you owe under this Agreement. Your obligation to pay the account balance plus\nany finance and other charges you owe under this agreement are subject to all applicable laws and regulations regarding repayment requirements.\nYou are also responsible for all transactions made to your account after termination, unless the transactions were unauthorized.\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 upon\nrequest or upon termination of this Agreement whether by you or the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS\nof this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for authorized users that you\ndesignate. You must notify us in writing of any termination of an authorized user\xe2\x80\x99s right to access your account. Your letter must include the\nname of the authorized user and your account number and/or any subaccount number issued to the authorized user along with the authorized\nuser\xe2\x80\x99s card and any convenience or other access checks issued to the authorized user. If you cannot return the authorized user\xe2\x80\x99s card or access\nchecks and if you request your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit standing when opening or\nreviewing your account. You authorize the Credit Union to disclose information regarding your account to credit bureaus and creditors who\ninquire about your credit standing. If your account is eligible for emergency cash and/or emergency card replacement services, and you request\nsuch services, you agree that we may provide personal information about you and your account that is necessary to provide you with the\nrequested 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 will do\nso by sending the Credit Union a credit slip which will be posted to your account. If your credits and payments exceed what you owe the Credit\nUnion, the amount will be applied against future purchases and cash advances. If the credit balance amount is $1.00 or more, it will be refunded\nupon 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 account, such\nas travel accident insurance, at no additional cost to you. You understand that the Credit Union is not obligated to offer such services and may\nwithdraw 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 card. The\nCredit Union is subject to claims and defenses (other than tort claims) arising out of goods or services you purchase with the card if you have\nmade a good faith attempt but have been unable to obtain satisfaction from the merchant or service provider, and (a) your purchase was made\nin response to an advertisement the Credit Union sent or participated in sending to you; or (b) your purchase cost more than $50.00 and was\nmade in your state or within 100 miles of your home.\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 under this\nAgreement. This means that the Credit Union can require any one of you individually to repay the entire amount owed under this Agreement. Each\nof you authorizes the other(s) to make purchases or cash advances individually. Any one of you may terminate the account and the termination\nwill be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even though the sales, cash\nadvances, credit or other slips you sign or receive may contain different terms.\n\n\x0c21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed to you at the appropriate address you have given the Credit Union.\nNotice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the terms and conditions of your\naccount. This written Agreement and Disclosure may not be contradicted by evidence of any alleged oral agreement. Should any part of this\nAgreement or the Disclosure be found to be invalid or unenforceable, all other parts of this Agreement and Disclosure shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. INTERNET GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of electronic gambling transaction\nthrough the Internet.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for purchases, cash advances,\nand balance transfers, will increase to the Penalty Rate when you meet one or more of the conditions as set forth in the Disclosure accompanying\nthis Agreement. Any rate increases applied to your account are subject to applicable notice requirements. Please refer to the Disclosure for\nadditional information regarding the Penalty Rate.\n27. VOLUNTARY PAYMENT PROTECTION \xe2\x80\x94 We may offer Voluntary Payment Protection to you. Voluntary Payment Protection is not necessary\nto obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to add the fees or insurance charges monthly to your\nloan balance and charge you interest on the entire balance. At our option we will change your payment or the period of time necessary to repay\nthe loan balance. The rate used to determine the fees or insurance charges may change in the future. If the rate changes, we will provide any\nnotices required by applicable law.\n28. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and the Credit Union. This\nwritten 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 YOU\nARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT\nFROM YOU.\n\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.\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:\nMiddConn Federal Credit Union\n213 Court St\nSuite 101\nMiddletown, CT 06457\nYou may also contact us on the Web: www.middconn.com\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 mistake.\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 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 to investigate any\npotential 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 already corrected the\nerror.\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.\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 will\nsend you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the\namount 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 still refuse to pay. If you\ndo so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those organizations know 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 is correct.\n\n\x0cYour 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 good faith to correct the\nproblem with the merchant, you may have the 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 mailing address, and the purchase price must\nhave been more than $50. (Note: Neither of these 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 advances from an ATM or with a check that accesses\nyour credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically] at:\nMiddConn Federal Credit Union\n213 Court St\nSuite 101\nMiddletown, CT 06457\nwww.middconn.com\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n\x0c'


b"CREDIT CARD DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate\nVISA Platinum: 9.99% to 18.00% when you open your account,\n(APR) for Purchases\nbased on your creditworthiness.\nVISA Gold: 10.99% to 18.00% when you open your account, based\non your creditworthiness.\nVISA Classic: 11.99% to 18.00% when you open your account,\nbased on your creditworthiness.\nAPR for Balance Transfers\nAPR for Cash Advances\n\nBalance transfers are considered cash advances. (See next line)\n8.49%\nThe APR will vary. The APR is the prime rate as published in the Wall Street\nJournal on the last day of the month, plus 4.99%.\nNot applicable\n\nPenalty APR and When it\nApplies\nHow to Avoid Paying Interest Your 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 the entire balance by the\non Purchases\ndue date each month.\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the To learn more about factors to consider when applying or using a credit card,\nFederal Reserve Board\nvisit the website of the Federal Reserve Board at\nhttp://www.federalreserve.gov/credit card\nFees\nTransaction Fees\n\xc2\xb7 Cash Advance\n\xc2\xb7 Foreign Transaction\nPenalty Fees\n\xc2\xb7 Late Payment\n\xc2\xb7 Returned Payment\nOther Fees\n\xc2\xb7 Annual Fee\n\n$2.00\n2% of the amount of each foreign currency purchase after its conversion to US\ncurrency\nup to $25.00\nup to $25.00\n\nVISA Classic: $10.00; VISA Gold and Platinum: $20.00. Waived if member\nhas direct deposit.\n\xc2\xb7 Card Replacement\n$10.00\nHow We Will Calculate Your Balance: We use a method called 'average daily balance (including new\npurchases).'\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided\nin your disclosure agreement.\nMaximum Credit Limits: VISA Classic: $10,000; VISA Gold or Platinum: $25,000\nThis information about the costs of the cards describes in this disclosure is accurate as of the date printed below.\nThis information may have changed after that date. To find out what may have changed, contact Member\nServices at 800-338-0221, ext. 9829, or info@rtn.org.\nRate sheet as of: 3/1/2016\nPage 3 of 3\n\n\x0c"


b'VISA PLATINUM/VISA CLASSIC\nF1\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum\n\n8.90%\nF2\nVisa Classic\n\n16.90%\nF3\nAPR for Balance Transfers\n\nAPR for Cash Advances\n\nPenalty APR and When it Applies\n\nVisa Platinum\n8.90%\nF4\nVisa Classic\n16.90%\nF5\nVisa Platinum\n8.90%\nF6\nVisa Classic\n16.90%\nF7\nVisa Platinum\n16.90%\nF8\nVisa Classic\nNone\nF9\nThis APR may be applied to your account if you:\n- Make a late payment\n\nHow to Avoid Paying Interest on Purchases\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nHow Long Will the Penalty APR Apply? If your APRs are increased\nfor this reason, the Penalty APR will apply until you make six\nconsecutive minimum payments when due.\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\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\n1.00%\nF10\n0.80%\nF11\n\nof each multiple currency transaction in U.S. dollars\nof each single currency transaction in U.S. dollars\n\nUp to $25.00\nF12\nUp to $25.00\nF13\nUp to $25.00\nF14\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nApplication of Penalty APR: Your APR may be increased to the disclosed Penalty APR if you are 90 days late in making\na payment.\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\n00103091-MXC40-P-1-040616 (MXC403 CCM003)-e\n\nSEE NEXT PAGE for more important information about your account.\n\n\x0cEffective Date:\nThe information about the costs of the card described in this application is accurate as of October\nF15\n.\n1, 2015\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nOTHER DISCLOSURES\nLate Payment Fee\nOver-the-Credit Limit Fee\nReturned Payment Fee\nDocument Copy Fee\nRush Fee\nEmergency Card Replacement Fee\nCard Recovery Fee\nPay-by-Phone Fee\n\nF16\nor the amount of the required minimum payment, whichever is\n$25.00\nless, if you are one or more days late in making a payment.\nF17\nor the amount of the transaction exceeding your credit limit,\n$25.00\nwhichever is less.\nF18\nor the amount of the required minimum payment, whichever is\n$25.00\nless.\nF19\n$12.00\nF20\n$35.00\nF21\n$50.00\nF22\n$65.00\nF23\n$7.50\n\n00103091-MXC40-P-1-040616 (MXC403 CCM003)-e\n\n\x0c'


b"CREDIT CARD LINE OF CREDIT AGREEMENT AND DISCLOSURE STATEMENT\nThe purpose of this Agreement is to establish the terms and conditions of a Credit Card Line of\nCredit with BrightStar Credit Union. You agree that by using your credit card or by authorizing\nanyone else to use it, you agree to this Agreement and will be responsible for repayment of all\ncredit extended by us to your or to your authorized user.\n1 (a) \xe2\x80\x9cAccount\xe2\x80\x9d means your Visa Platinum, Visa Platinum Cash Rewards and/or Visa Platinum\nSecured revolving credit account with BrightStar Credit Union.\n(b) \xe2\x80\x9cCard\xe2\x80\x9d means Visa Platinum, Visa Platinum Cash Rewards and/or Visa Platinum\nSecured credit card and duplicates of said card issued by BrightStar Credit Union,\n(c) \xe2\x80\x9cCardholder\xe2\x80\x9d, \xe2\x80\x9cI\xe2\x80\x9d or \xe2\x80\x9cyou\xe2\x80\x9d mean each person who applies for the Visa Platinum, Visa\nPlatinum Cash Rewards and/or Visa Platinum Secured credit card who signs this\nAgreement or the application therefore thereby agreeing to the terms in this Agreement\nOR who is authorized to use and uses the credit card or duplicate credit card.\n(d) \xe2\x80\x9cIssuer\xe2\x80\x9d means BrightStar Credit Union.\n2. You promise to pay for all amounts charged to your Account by you or any authorized user\nin accordance with the terms of the agreement. You also agree to pay all finance charges, late\ncharges, returned check charges, collection costs, and all other sums which become due under\nthis agreement.\n3. Approval by the Issuer will establish the following:\n(1) The credit limit approved shall be determined by the Issuer, and this credit limit will be\ndrawn upon as I utilize an issued Card or approved access device such as letter check,\ncash advances or other approved programs to make available access to the credit\navailable under the Cardholder\xe2\x80\x99s credit limit. In the event of access to the credit limit by a\nCardholder by letter check or other authorized check or credit devices, a stop payment\norder must be given in writing. Applicable Uniform Commercial Code procedures and\ntime periods shall apply to the effectiveness of the stop payment order.\n(2) The line of credit on Visa Platinum, Visa Platinum Cash Rewards and Visa Platinum\nSecured will be repaid as follows: either the full amount billed shall be paid or, at my\noption, an installment equal to at least the required minimum payment. If the outstanding\nbalance of my Account is $10.00 or less, it will be paid in full. You may pay the entire\nbalance of your Account at any time without penalty. The required minimum monthly\npayment on Visa Platinum, Visa Platinum Cash Rewards and Visa Platinum Secured\nshall be the greater of (i) $10.00 or (ii) 2% of that portion of the outstanding balance\nwhich does not exceed my credit limit, plus the entire portion of the outstanding balance\nin excess of my credit limit, plus any amount past due.\n4. PERIODIC FINANCE CHARGE CALCULATION METHODS\nThe FINANCE CHARGE applicable to your Account for Cash Advances and Credit\nPurchases of goods and services that you obtain through the use of your Card is calculated in\naccordance with the following method.\nCash Advances: A FINANCE CHARGE will be imposed on Cash Advances from the date\nmade or from the first day of the billing cycle in which the Cash Advance is posted to your\nAccount, whichever is later, and will continue to accrue on the unpaid average daily balance of\nsuch Cash Advances until the date of payment if paid during the same billing cycle, or until the\nclosing date of the billing cycle preceding the date on which the entire New Balance is paid in\nfull or until the date of payment if more than 25 days from the closing date. If the New Balance\nshown on your monthly statement for the prior billing cycle is paid in full within 25 days from\nthe closing date of that statement, no FINANCE CHARGES will be imposed during the\ncurrent billing cycle for Cash Advances posted to your Account during previous billing cycles.\nThe FINANCE CHARGE for a billing cycle is computed by applying the Monthly Periodic\nRate to the average daily balance of Cash Advances, which is determined by dividing the sum\nof the daily balances by the number of days in the billing cycle. Each daily balance of Cash\nAdvances is determined by new Cash Advances posted to your Account, and subtracting any\npayments as received or credits as posted to your Account, but excluding any unpaid\nFINANCE CHARGES. All balance transfers from other loans or accounts as permitted by\nIssuer, in Issuer\xe2\x80\x99s sole discretion, will be treated as Cash Advances for the purpose of all\nFINANCE CHARGES.\nCredit Purchases: A FINANCE CHARGE will be imposed on Credit Purchases only if you\nelect not to pay the entire New Balance shown on your monthly statement for the previous\nbilling cycle within 25 days from closing date of that statement. If you elect not to pay the\nentire New Balance shown on your previous monthly statement within that 25-day period, a\nFINANCE CHARGE will be imposed on the unpaid average daily balance of such Credit\nPurchases from the previous statement closing date and on new Credit Purchases from the date\nof posting to your Account during the current billing cycle, and will continue to accrue until the\nclosing date of the billing cycle preceding the date on which the entire New Balance is paid in\nfull or until the date of payment if more than 25 days from the closing date.\nThe FINANCE CHARGE for a billing cycle is computed by applying the monthly Periodic\nRate to the average daily balance of Credit Purchases, which is determined by dividing the sum\nof the daily balances during the billing cycle by the number of days in the cycle. Each daily\nbalance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit\nPurchases at the beginning of the billing cycle any new Credit Purchases posted to your\n\nAccount, and subtracting any payments as received and credits as posted to your Account, but\nexcluding any unpaid FINANCE CHARGES.\n5. FINANCE CHARGES\nThe Monthly Periodic Rate (\xe2\x80\x9cMPR\xe2\x80\x9d) and ANNUAL PERCENTAGE RATE (\xe2\x80\x9cAPR\xe2\x80\x9d) are\nvariable rates that may change in January and July of each year. Issuer will determine the\nMonthly Periodic Rate and the corresponding ANNUAL PERCENTAGE RATE as follows:\nIssuer starts with an independent index (the \xe2\x80\x9cIndex\xe2\x80\x9d), which is The Wall Street Journal Prime\nRate. When a range of rates had been published, the highest rate will be used. Issuer will use\nan Index value available in the month immediately preceding the month of the annual\npercentage rate adjustment as determined by Issuer in Issuer\xe2\x80\x99s sole discretion. Issuer will\nchoose the date of any annual percentage rate adjustment in Issuer\xe2\x80\x99s sole discretion; this date\nmay change from time to time. To determine the Monthly Periodic Rate that will apply to your\nAccount, Issuer adds a Margin to the value of the Index. Then Credit Union divides this sum by\nthe number of months in a year (12). To obtain the ANNUAL PERCENTAGE RATE, Issuer\nwill multiply the Monthly Periodic Rate by the number of months in a year (12). This result is\nthe ANNUAL PERCENTAGE RATE.\nYour Monthly Periodic Rate, ANNUAL\nPERCENTAGE RATE, Margin, minimum Monthly Periodic Rate and corresponding\nANNUAL PERCENTAGE RATE and maximum Monthly Periodic Rate and corresponding\nANNUAL PERCENTAGE RATE are based upon your Card type and your Tier. Your Tier is\nbased on upon certain creditworthiness factors which include, but are not limited to, payment\nhistory and credit bureau data. Your Margin and your initial Monthly Periodic Rate and\ncorresponding ANNUAL PERCENTAGE RATE will be disclosed to you before or at the\ntime the Account and Card are issued in the Initial Rate Disclosure, which is included with this\nAgreement and incorporated by reference. Subject to applicable laws and regulations, your\nMargin may also be increased or decreased at any time in Credit Union\xe2\x80\x99s sole discretion based\nupon certain creditworthiness factors which include, but are not limited to, payment history and\ncredit bureau data. Any change in your Margin will cause a corresponding change in the\nANNUAL PERCENTAGE RATE and Monthly Periodic Rate.\nThe ANNUAL PERCENTAGE RATE can change each January and each July with changes\nin the Index. All changes to the ANNUAL PERCENTAGE RATE will be effective on the\nfirst day of the first billing cycle of January or July as applicable. There is no limit on the\namount by which the ANNUAL PERCENTAGE RATE can change during any period or the\nterm of the Account.\nYour Monthly Periodic Rate and corresponding ANNUAL\nPERCENTAGE RATE will not be less than the Minimum Rate applicable to your Tier,\nregardless of changes in the Index. The maximum ANNUAL PERCENTAGE RATE that can\napply is 18.00% or the maximum permitted by law, whichever is less.\nThe Card Types, Tiers and corresponding Margins and Minimum Rates are set forth below:\n\nCard Type\n\nTier\n\nMargin\n\nVisa Platinum\n\nA\nB\nC\nD\n\n5.74%\n7.24%\n11.74%\n13.24%\n\n8.99% APR/ 0.75% MPR\n10.49% APR/ 0.87% MPR\n14.99% APR/ 1.25% MPR\n16.49% APR/ 1.37% MPR\n\nVisa Platinum\nCash Rewards\n\nA\nB\nC\nD\n\n7.74%\n9.24%\n13.74%\n14.24%\n\n10.99% APR/ 0.92% MPR\n12.49% APR/ 1.04% MPR\n16.99% APR/ 1.42% MPR\n17.49% APR/ 1.46% MPR\n\nN/A\n\n11.74%\n\n14.99% APR/ 1.25% MPR\n\nVisa Platinum Secured\n\nMinimum Rates\n\nIssuer may offer balance transfers from another loan to your Account from time to time. The\nMonthly Periodic Rate and ANNUAL PERCENTAGE RATE for such balance transfers will\nbe disclosed to you before you make any such balance transfer.\n\n06/21\n\n\x0c6. Late Charges. If the minimum required payment on Visa Platinum and Visa Platinum\nSecured is not received within 15 days after the Closing Date subsequent to the payment Due\nDate, a late charge of up to $25.00 shall be imposed. If the minimum required payment on Visa\nPlatinum Cash Rewards is not received within 0 days after the Closing Date subsequent to the\npayment Due Date, a late charge of up to $25.00 shall be imposed.\n7. Over Limit. In the event you incur charges in amounts which cause the Account balance to\nexceed the authorized credit limit, you shall immediately pay Issuer the amount by which the\ntotal balance exceeds such maximum authorized credit limit.\n8. If a Cash Advance is obtained by the Cardholder at an Automated Teller Machine a $1.00\nCharge shall be imposed. This cash advance charge is considered to be a FINANCE CHARGE\nfor Truth-in-Lending purposes and will be included in the total FINANCE CHARGE amount\ndisclosed on your current monthly billing statement.\n9. The only FINANCE CHARGES assessed on your Account other than those assessed by a\nperiodic rate, will be transaction FINANCE CHARGES in connection with Cash Advances.\nTransaction FINANCE CHARGES for each cash advance will be imposed on the date the\nCash Advance is posted to your Account. No grace period applies on any transaction\nFINANCE CHARGE imposed arising from cash advances.\n10.Documentary stamp taxes as may be required by law shall be imposed on each Cash\nAdvance at the time the loan is made.\n11. I understand and agree that any copies of paperwork regarding my Account(s) that I request\nwill be charged to my Account(s) and shown on my statement(s) at a per page fee of $3.00\n12.Any Cardholder whose Card(s) are lost or stolen will be assessed a $10.00 replacement fee\nwith Card delivery in 7-10 days. A special order with Card delivery in 48-72 hours will be a\n$25.00 fee. An emergency Card replacement with Card delivery in 24 hours will be a $150.00\nfee.\n13.I agree to pay a return check charge of up to $25.00 for any check that is returned to us\nunpaid.\n14.I understand that for any Temporary Credit Line Increase request, my Account(s) will be\ncharged $5.00.\n15.This Agreement may be amended from time to time by Issuer by written notice mailed to\nCardholder at Cardholder's last known address. Amendments will apply to new purchases, cash\nadvances, and other incurred charges, including FINANCE CHARGES, after the date the\nchange is effective. Amendments may also apply to existing purchases, cash advances, and\nother incurred charges, including FINANCE CHARGES, except as prohibited by applicable\nlaw.\n16. I acknowledge and agree that the Issuer may terminate this Agreement without notice under\nthe following conditions:\n(a) Upon adverse re-evaluation of my creditworthiness.\n(b) Upon my failure to satisfy the terms of this Agreement and the terms and conditions\nestablished by the Issuer and by Visa.\n(c) At my option or the Issuer's option if it has good cause.\n(d) Upon any default under this Agreement, bankruptcy filed by you or other assignment for\nthe benefit of creditors. However, I understand and acknowledge that such termination\nshall not affect my obligation to pay any outstanding balance.\n17.I understand that the Issuer is required to review my loan file from time to time, and I\nhereby give my permission to and authorize the Issuer\xe2\x80\x99s Loan Committee to investigate and reassess my creditworthiness at any time.\n18.I understand that a re-application by me and approval by the Issuer shall be required if:\n(a) The Credit limit is increased; or\n(b) The terms of payment are extended beyond the terms of the original Agreement\n19. I fully understand, acknowledge and agree that if my loans become delinquent or past due or\nI am otherwise in default hereunder, my Card and Account shall be revoked in the discretion of\nthe Issuer.\n20.If your Account is terminated for any reason, or should you die or become insolvent or\napply for bankruptcy relief, or should you fail to comply with any of the terms and conditions of\nthis agreement, or should you default under any other loan or Account that you may have with\nus, Issuer has the right to accelerate payment of all amounts you owe us under your Account\nwhich you agree to pay to Issuer immediately, without further notice or demand for payment.\n21. Cardholder agrees to pay all costs incurred by Issuer in collecting Cardholder's indebtedness\nor in enforcing this agreement, including reasonable attorney's fees and also those costs,\nexpenses and attorney\xe2\x80\x99s fees incurred in appellate, bankruptcy and post judgment proceedings,\nexcept to the extent such costs, fees or expenses are prohibited by law.\n22.This Agreement and all credit advances are governed under the laws of the State of Florida\nwhether the credit transaction occurs within or outside the State of Florida. All litigation arising\nhereunder shall occur in the court of competent jurisdiction in the Seventeenth Judicial Circuit\nin Broward County, Florida.\n23.The invalidity or unenforceability of any provisions of this Agreement will not affect the\nvalidity or unenforceability of any other provisions of this Agreement.\n24.All of the persons on my Account are jointly and individually bound by this Agreement,\nregardless of who received the benefit of my Account or to whom any advance was made under\nmy Account. A default by any Account holder will be a default by all Account holders.\n25. I agree to keep Issuer informed of any change in my mailing address and Issuer can assume\nthat I have received any notices or statements hereunder if mailed to my last address appearing\nin our records.\n26.YOU GRANT US A SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT\nSHARE AND DEPOSIT ACCOUNTS YOU HAVE WITH US NOW AND IN THE\nFUTURE TO SECURE WHAT YOU OWED UNDER THIS AGREEMENT. WHEN\nYOU ARE IN DEFAULT, WE MAY APPLY THE BALANCE IN THESE ACCOUNTS\nTO ANY AMOUNTS DUE.\nSHARES AND DEPOSITS IN AN INDIVIDUAL\nRETIREMENT ACCOUNT, AND ANY OTHER ACCOUNT THAT WOULD LOSE\nSPECIAL TAX TREATMENT UNDER STATE OR FEDERAL LAW, ARE NOT\nSUBJECT TO THIS SECURITY INTEREST. THIS SECURITY INTEREST SHALL\nNOT APPLY TO THE EXTENT PROHIBITED BY ANY APPLICABLE LAW OR\nREGULATION, INCLUDING, WITHOUT LIMITATION, THE MILITARY LENDING\nACT OR ITS IMPLEMENTING REGULATIONS.\nIf this Agreement is for a Visa Platinum Secured Account, I hereby also agree that the Issuer\nhas a security interest in and do further pledge 110% of the Account credit limit in my Member\nAccount with Issuer as security for the payment of all amounts owed to Issuer under this\nAgreement. If this Account is for a Visa Platinum Secured, the funds in the Member Account\nwill be held by Issuer for at least 15 days following the closure of the Account and payment of\nall amounts owed under the Account. If the Account is in default, Issuer may apply the funds in\nthe Member Account to any and all amounts owed under the Account without notice to you.\n\n27. If you have other loans from Issuer or take out other loans from Issuer in the future,\ncollateral securing those loans will also secure your obligations under this Agreement.\nHowever, unless you expressly agree otherwise, your household goods and primary dwelling\nwill not secure your obligations under this Agreement even if Issuer has or later requires a\nsecurity interest in the household goods or a mortgage on the dwelling.\n28. You hereby agree that your salary or earnings may be subject to attachment or garnishment\nto the extent allowed under applicable law. You further waive, to the extent allowed under\napplicable law, any exemption you might have from attachment or garnishment of your salary\nor earnings.\n29. Goods and services (\xe2\x80\x9cCredit Purchases\xe2\x80\x9d) may be purchased or leased by means of such Card\nby Cardholder from any retail business establishment (\xe2\x80\x9cSeller\xe2\x80\x9d) who honors same upon the\nexecution of a sales slip evidencing such Credit Purchase and bearing the Account number of\nthe Cardholder embossed on the face of such Card or authorization for use thereof by\nCardholder Additionally, Cash Advances (\xe2\x80\x9cLoans\xe2\x80\x9d) may be obtained through use of such Card\n(a) upon execution of a written request of Cardholder in a form furnished to him from any\nparticipating financial institution, and (b) upon execution of a written separate agreement with\nIssuer for an overdraft financing agreement, if offered by Issuer.\n30. Each Card is the property of Issuer, is not transferable and must be surrendered upon\ndemand. It can be cancelled as well as repossessed by Issuer or its designee, and the privileges\nthereof, revoked without prior notice.\n31. Cardholder shall not use Card or permit the use of Related Cards to obtain Credit\nPurchases or Loans which will increase Cardholders indebtedness to Issuer to an amount in\nexcess of the limit established by Issuer.\n32. All Credit Purchases and Loans are affected at the option of the Seller and Cash Advancing\nBank, respectively, and Issuer shall not be responsible for refusal by a Seller or Cash\nAdvancing shall not be by cash but rather by a credit advice to Issuer which shall be shown as a\ncredit on Cardholder\xe2\x80\x99s Account statement with Issuer.\n33. Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement\nreflecting for the prior monthly period all Card and Card Related transactions. Such statement\nshall be deemed correct and accepted by Cardholder and all holders of Related Cards unless\nIssuer is notified to the contrary in writing within 60 days of mailing of such statement.\n34. When you use your Card at a merchant that settles in currency other than US dollars, the\ncharge will be converted into the US dollar amount. The currency conversion rate used to\ndetermine the transaction amount in US dollars is either a rate selected by Visa from the range\nof rates available in wholesale currency markets for the applicable central processing date,\nwhich rate may vary from the rate Visa itself themselves receives, or the government-mandated\nrate in effect for the applicable central processing date. The conversion rate in effect on the\nprocessing date may differ from the rate in effect on the transaction date or posting date.\nVisa USA charges us a 1% International Service Assessment on all transactions, regardless of\nwhether there is a currency conversion. We pass this international transaction fee on to you.\nAn international transaction is a transaction where the country of the merchant is outside the\nUSA.\n35. Payments made to Cardholder's Account will be applied in the following order: FINANCE\nCHARGES: Fees; Minimum payment-cash advances; Minimum payment-credit purchases;\nBalance-cash advances and Balance-credit purchases. If your Account has multiple ANNUAL\nPERCENTAGE RATES for different portions of your Account balance, Issuer may apply\npayments and credits in any manner permitted by law. Issuer may accept items marked\n\xe2\x80\x9cPayment in Full\xe2\x80\x9d or with words of similar effect without losing any of Issuer's rights to collect\nthe full balance of Cardholder\xe2\x80\x99s Account.\n36. Cardholder may be liable for the unauthorized use of the Card or Related Cards as\nprovided in this paragraph. The Cardholder will not be liable for any unauthorized use that\noccurs after Issuer is notified, orally or in writing at:\nCredit Card Customer Service\nPO Box 30495\nTampa, FL 33630\n\nTelephone Number\n1-800-299-9842\n\nIf Cardholder has a consumer Account or a business Account for which less than 10 Cards have\nbeen Issued Cardholder's liability for unauthorized use of a Card will not exceed $50.00. If 10\nor more Cards are issued for use by employees of a single business or other organization, there\nis no limit to Cardholder\xe2\x80\x99s liability for any unauthorized use that occurs before Cardholder\nnotifies Issuer as provided herein; the business organization may only impose liability on its\nemployees for unauthorized use of a Card as authorized by federal law and Regulation\n37. Cardholder agrees that Issuer, its agents or service companies may monitor and/or record\nany telephone communications with Cardholder.\n38. Cardholder agrees that Issuer may 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.\n39. Your Card or Account cannot be used in connection with any internet gambling\ntransactions. You agree that you will not use your Card for any transaction that is illegal under\nany federal, state or local law.\n40. Visa Platinum Cash Rewards Program. If your Account is a Visa Platinum Cash\nRewards Account, you will be entitled to Cash Rewards as described in this paragraph. You\nwill receive Cash Rewards equal to 1.50% of Qualifying Net Purchases during the calendar\nyear. \xe2\x80\x9cQualifying Net Purchases\xe2\x80\x9d means all authorized credit purchases posted to your Account\nminus (a) any credit purchase refunds, (b) any credits for returned purchases or otherwise, and\n(c) any disputed Account items. \xe2\x80\x9cQualifying Net Purchases\xe2\x80\x9d does not include any cash\nadvances or balance transfers on your Account. You can only earn Cash Rewards for\nQualifying Net Purchases only if, at the time Issuer decides to credit you with such Cash\nRewards, (a) your Account is open and in good standing, (b) your membership with Issuer is in\ngood standing, and (c) you have no delinquent or charged-off loans or lines of credit with\nIssuer. If the Account is closed or terminated for any reason by you or by Issuer, all accrued but\nuncredited Cash Rewards will be forfeited. The maximum Cash Rewards that may be earned\nfor any Account per calendar year is unlimited. Cash Rewards will be paid in the form of a\ncredit posted to your primary member savings account with Issuer within 60 days after Issuer\ndecides to credit such Cash Rewards. Issuer may modify or terminate the Cash Rewards\nprogram at any time in Issuer\xe2\x80\x99s sole discretion.\n\n06/21\n\n\x0cYOUR BILLING RIGHTS\n(Keep this Notice 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:\nCredit Card Customer Service\nPO Box 30495\nTampa, FL 33630\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you\nbelieve is wrong and why you believe it is a mistake.\nYou must contact us within 60 days after the error appeared on your statement and at least 3\nbusiness days before an automated payment is scheduled, if you want to stop payment on the\namount you think is wrong. You must notify us of any potential errors in writing. You may call\nus, but if you do we are not required to investigate any potential errors and you may have to pay\nthe 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\nwill also 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\namount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge\nyou interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\xe2\x80\xa2 After 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\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question,\nalong with applicable interest and fees. We will send you a statement of the amount\nyou 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\xe2\x80\xa2 If you receive our explanation but still believe your bill is wrong, you must write to us\nwithin 10 days telling us that you still refuse to pay. If you do so, we cannot report\nyou as delinquent without also reporting that you are questioning your bill. We must\ntell you the name of anyone to whom we reported you as delinquent, and we must let\nthose organizations know 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\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 card,\nand you have tried in good faith to correct the problem with the merchant, you may have the\nright 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\ncurrent mailing address, and the purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based on an advertisement we\nmailed 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\nadvances from an ATM or with a check that accesses your credit card account do not\nqualify.\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:\nCredit Card Customer Service\nPO Box 30495\nTampa, FL 33630\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we\nfinish 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\n06/21\n\n\x0cInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for Purchases\n\n0% Introductory APR on purchases for the \xef\xac\x81rst 6 billing cycles of the account.\nAfter that, your APR will be\n\n8.99% to 18.00%, based on your\n\ncreditworthiness. This APR will vary with the market based on the Prime Rate*.\nAPR for Balance Transfers\n\n2.99% Introductory APR (0.00% Introductory APR for the Visa Platinum Cash\nRewards) on new accounts within 60 days of the approval, for the first 12 billing\ncycles of the Account.\nAfter that, your APR will be 8.99% to 18.00%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate*.\n\nAPR for Cash Advances\n\n8.99% to 18.00% based on your creditworthiness.\n\nMinimum Interest Charge\n\nNone\n\nPaying Interest\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 date\neach month. We will begin charging interest on cash advances and balance\ntransfers on the transaction date.\n\nFor Credit Card Tips from the Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nThis APR will vary with the market based on the Prime Rate*.\n\nFees\nAnnual Fee\nTransaction Fees\n\xef\x82\xb7 Balance Transfer Fee\n\xef\x82\xb7 ATM Cash Advance Fee\n\xef\x82\xb7 Foreign Transaction Fee\nPenalty Fees\n\xef\x82\xb7 Late Payment Fee\n\xef\x82\xb7 Returned Payment Fee\n\nNone\nNone\n$1.00\n1.00% of each transaction in U.S. dollars\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d. See your account agreement for more details.\n*The Prime Rate used to determine your APR is the highest rate published in the Wall Street Journal as selected by the Credit Union in the calendar month preceding the month in\nwhich the APR changes. Your APR for purchases, cash advances and balance transfers can change every January and July of each calendar year and is determined by adding a\nmargin of 5.74% to 13.24% (7.74% to 14.24% for Visa Platinum Cash Rewards) to the Prime Rate. Balance Transfer APR only applies to balance transfers from other financial\ninstitutions.\nYour ANNUAL PERCENTAGE RATE and your Margin (a) is based on your creditworthiness and your credit score obtained from your consumer report and (b) will be\ndisclosed to you before or at the time the credit card is issued. Conditions and credit approval may apply. Rates are correct as of the effective date shown and are subject to change\nwithout notice. Ask a representative for complete details.\nVisa Platinum Cash Rewards. If your account is a Visa Platinum Cash Rewards Account you will be entitled to Cash Rewards equal to 1.50% of Qualifying Net Purchases during\nthe calendar year. The maximum Cash Rewards that may be earned for any Account per calendar year is unlimited. Cash Rewards will be paid in the form of a credit posted to\nyour primary member savings account with issuer within 60 days after issuer decides to credit such Cash Rewards which will be typically at the beginning of a new calendar year\nafter your year-end credit card statement has been issued. Issuer may modify or terminate the Cash Rewards program at any time in issuer\xe2\x80\x99s sole discretion. For a more detailed\ndescription of the Cash Rewards program and a definition of Qualifying Net Purchases see your new credit card agreement and disclosures.\nThe above information is accurate as of the date in the lower right hand corner and is subject to change. For any change in this information since it was published contact:\nBrightStar Credit Union P.O. Box 8966 Ft. Lauderdale, FL 33310-8966\n\n06/21\n\n\x0c"


b'VISA/VISA SECURED\nCONSUMER 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\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit\nUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers\nthis 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.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. 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.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\nmonths and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. 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\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers and money orders. This paragraph shall not\nbe interpreted as permitting or authorizing any transaction that is illegal.\n\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\n04200505-MXC50-P-1-062515 (MXC503 CCM004)\n\n\x0c3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates 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\nfor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. 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. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the\nbilling 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\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of\npurchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash\nadvances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes\non your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or\nU.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional 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\ncharge), a fee may be charged 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\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\nc. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned for any reason.\nd. Returned Convenience Check Fee. If your account is subject to a Returned Convenience Check Fee, the fee will be\ncharged to your account when a convenience check is returned for any reason.\n04200505-MXC50-P-1-062515 (MXC503 CCM004)\n\n\x0ce. Statement Copy Fee. 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 your\naccount for each copy of a sales draft or statement that you request.\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\naccount for each rush card that you request, providing delivery of the card is also available by standard mail service,\nwithout paying a fee for delivery.\ng. Card Replacement Fee. 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.\nh. Pay-by-Phone Fee. If your account is subject to the Pay-by-Phone Fee, a fee will be charged for each time you make\na payment by telephone as disclosed on the Disclosure 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\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). For our Visa card, the minimum payment is 3.00% of\nyour total new balance, or $18.00, whichever is greater, plus the amount of any prior minimum payments that you have\nnot made, all outstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on\nthe statement. For our Visa Secured card, the minimum payment is 3.00% of your total new balance, or $18.00,\nwhichever is greater, plus the amount of any prior minimum payments that you have not made, all outstanding unpaid\nfees and charges, and any amount you are over your credit limit by the date specified on the statement. The Credit Union\nalso has the right to demand immediate payment of any amount by which you are over your credit limit. In accordance\nwith applicable law, the Credit Union may not post payments to your account or reflect them in your available credit limit\non the date they are received. The Credit Union may delay replenishing your credit limit until the date the payment is\nposted or the Credit Union confirms the payment has cleared.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as 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\nthat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes 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\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the\nperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at 5444 S. Staples, Corpus Christi, TX 78411 or telephone 800-682-6075 seven days a\nweek, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized\nuse of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or\npossible unauthorized use. You will have no liability for unauthorized transactions made with your credit card, unless you\nare grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00.\n\n04200505-MXC50-P-1-062515 (MXC503 CCM004)\n\n\x0c13. 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. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that 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\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such 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\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. 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 purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. 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.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate\naddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of gambling\ntransaction.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\n04200505-MXC50-P-1-062515 (MXC503 CCM004)\n\n\x0cconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n28. 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.\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.\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- 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 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink 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 to\ninvestigate 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 still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen 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 is\ncorrect.\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.\n\n04200505-MXC50-P-1-062515 (MXC503 CCM004)\n\n\x0cTo 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.\n\n04200505-MXC50-P-1-062515 (MXC503 CCM004)\n\n\x0c'