b'CREDIT LINE ACCOUNT\nAGREEMENT AND DISCLOSURE\n\nP.O. Box 270010\nLittleton, CO 80127\n303-978-2274 or 800-828-2274 THIS IS YOUR CREDIT LINE ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL\n\nTRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA CLASSIC AND VISA SECURED AGREEMENTS,\nAND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA CLASSIC AND VISA\nSECURED CREDIT CARDS, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE CERTAIN TO\nREAD THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\n10.95\n\nVISA Classic: ___________% creditworthiness.\n\n10.95\n\nVISA Secured: ____________% creditworthiness.\n\n21.00\n____________%\n21.00\n____________%\n\nbased on Your\n\nbased on Your\n\nAnnual Percentage Rate\n(APR) For Balance\nTransfers\n\n10.95\n21.00\nVISA Classic: ____________%\n- ____________%\nbased on Your creditworthiness.\n\nAnnual Percentage Rate\n(APR) For Cash Advances\n\n10.95\nVISA Classic: ____________%\n- 21.00\n____________% based on Your creditworthiness.\n\n10.95\n21.00\nVISA Secured: ____________%\n- ____________%\nbased on Your creditworthiness.\n10.95\n21.00\nVISA Secured: ____________%\n- ____________%\nbased on Your creditworthiness.\n\n11.99\nSignature Loan: ____________%\n- 21.00\n____________% based on Your creditworthiness.\n14.99\n21.00\nReady Credit Line of Credit: ____________%\n- ____________%\nbased on Your\ncreditworthiness.\n3.00+div rate - ____________%\n3.00+div rate based on Your creditworthiness.\nShare Secured: ____________%\n\n3.00+CD rate when You open Your account, after which Your APR\nCertificate Secured: ____________%\nwill vary with the dividend rate paid on the shares pledged as Collateral.\nPersonal Property Secured: 1.99\n____________% - 17.99\n____________% based on\ncreditworthiness, length of repayment, age and type of collateral pledged as security.\n\nYour\n\nPaying Interest\n\nFor VISA, We will not charge You interest on purchases if You pay Your entire balance owed\neach month within 25 days of Your statement closing date. For all Feature Categories, We\nwill begin charging interest on cash advances and balance transfers on the transaction date.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a Credit Card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n\n.\n.\n\nCash Advance\nForeign Transaction\n\nFor VISA, $25.00\nFor VISA, 1.00% of each foreign currency transaction in U.S. dollars.\nFor VISA, 0.80% of each U.S. Dollar transaction that occurs in a foreign country.\n\nPenalty Fees\n\n.\n\nLate Payment\n\nFor VISA, up to $30.00\nExcept for VISA, $15.00 after 9 days\n\nHow We Will Calculate Your Balance: For all Feature Categories (except VISA), We use a method called "daily balance."\nFor VISA, We use a method called "average daily balance (including new purchases)." See Your Account Agreement for\ndetails.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nCopyright Oak Tree Business Systems, Inc., 2005-2013. All Rights Reserved.\n\nPage 1 of 5\n\nOTBS 016 JOHN (7/13)\n\n\x0cIn this Agreement, the reference to "We", "Us", "Our" and "Credit Union" mean COLORADO CREDIT UNION. The words "You" and "Your" mean each person accepting\nthis Agreement. The words "Card" and "Credit Card" mean any VISA Classic or VISA Secured Credit Card issued to You by Us and any duplicates or renewals.\n"Convenience Checks" mean the special Account access devices that We may provide for Your use from time to time.\nYou, as the Borrower, under a Credit Line Account ("Account"), understand that the following Federal Disclosure Statement and the terms and conditions found herein\nconstitute Our Agreement with You. You may request advances on Your Account through a variety of means which could include (but may not be limited to) telephonic\nrequests, advance request forms, vouchers, checks, charge slips, Convenience Checks, Check Cards, ATM Cards, Credit Cards, wire transfers, direct transfers and/or\nwire transfers to specific payees identified by You, direct transfers to Your Share/Share Draft or other Credit Union account and the like. Regardless of the means by\nwhich any advance is made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent\nor implied authority for use of Your Account, including Finance Charges and other fees or charges described herein.\nFEATURE CATEGORIES. Your Account has Feature Categories which may include Ready Credit Line of Credit (including Overdraft Protection), Personal Property\nSecured (a label to reference certain Feature Categories secured by personal property described below and/or on the separate page titled "Credit Line Account\nAdvance Request And Security Agreement" which We have included with and made a part of this Agreement), Share Secured, Certificate Secured, VISA Classic and\nVISA Secured.\n\nAccount\nFeature Categories\n\nVariable Rate\nIndex\nMargin\n\nDaily\nPeriodic Rate\n\nReady Credit Line of Credit\nCertificate Secured\n\n3.00\n+ CD Rate\n____________\n\nMonthly\nPeriodic Rate\n\nAnnual\nPercentage Rate\n\n.041069\n- .057535\n__________________%\n\n14.99\n- 21.00\n__________%\n\n.0822%\n+ dividend rate\n__________________%\n\n3.00\n+ div rate\n__________%\n\n3.00\n+ CD Rate\n____________\n\nShare Secured\nVISA Classic\n\n.912500\n- 1.75\n___________%\n\n10.95\n- 21.00\n__________%\n\nVISA Secured\n\n.912500\n- 1.75\n___________%\n\n__________%\n10.95\n- 21.00\n\nAutomobile\n\n__________________%\n.005452 - .049288\n\n1.99\n- 17.99\n__________%\n\nSignature Loan\n\n.032850 - .057535\n__________________%\n\n__________%\n11.99\n- 21.00\n\nADVANCES. Whenever You request a transaction, We may require You to prove\nYour identity. Advances made on Your Account will be processed according to the\ninstructions You give Us (such as by wire transfer, direct transfer to Your Credit\nUnion account or by other such means) and You authorize Us to do this, or We\nmay draw a draft or check made payable to You and mail it to You. When the\namount advanced appears on a subsequent statement, that will be conclusive\nevidence of Your advance request unless You notify Us that You disagree with any\nsuch item appearing on Your periodic statement according to the provision of this\nAgreement titled "Your Billing Rights: Keep this Document for Future Use". You\nunderstand that whether or not any specific secured advance request is approved\nmay be determined by how much equity You have or will have in the shares,\ncertificates and/or Collateral offered as security.\nSECURITY. As permitted by law, to secure all transactions under this Agreement in\neither joint or individual Accounts, We have the right to impress and enforce a\nstatutory lien against Your shares on deposit with Us (other than those deposits\nestablished under a governmental approved tax deferral plan such as an IRA or\nKeogh account), and any dividends due or to become due to You from Us to the\nextent that You owe on any unpaid balance on Your Account and We may enforce\nOur right to do so without further notice to You. Additionally, You agree that We\nmay set-off any mutual indebtedness.\nWhether additional Collateral will be required depends on the type of advance You\nrequest. If You request an advance under a Feature Category which describes\npersonal property, that property, including the proceeds of the sale of such\nproperty, must also be given as Collateral. For example, a Feature Category called\n"New Car Advances" means the Collateral will be a new car. The fact that We are\nacquiring a security interest in certain property and/or certificate(s) will be disclosed\nin the "Credit Line Account Advance Request and Security Agreement" form\nrelated to any initial advance. You will be provided a copy of that form at the time\nYou receive the initial advance for any secured Feature Category.\nExcept for Our security interest, any Collateral pledged as security for Your\nAccount is owned free and clear from any liens, adverse claims, security interests\nor encumbrances. Without Our express written consent, no other liens, security\ninterests or encumbrances will be allowed to attach to the Collateral. You agree to\ninform Us immediately if the Collateral is to be moved from the address We have\non file for You or such other address at which You have informed the Credit Union\nthe Collateral is now located. The Collateral will not be sold or otherwise\ntransferred and at all times the Collateral will be kept in good repair. The Collateral\nshall not be used for any unlawful purpose. We shall receive Your full cooperation\nin obtaining everything that We require to place and/or maintain Our security\ninterest and/or lien in the Collateral. We may examine and inspect the Collateral at\nany time, wherever located. All taxes or assessments on the Collateral shall be\npaid as they come due; if not paid, We may pay them and will be entitled to\nreimbursement or alternatively, charge that amount to Your Account, under the\nrelated Feature Category.\nYou acknowledge that You own any certificates, shares and/or Collateral pledged\nas security and that there are no other liens against them other than Ours. You\nagree to perform all acts which are necessary to make Our security interest in the\ncertificates, shares and/or Collateral being pledged enforceable.\nCopyright Oak Tree Business Systems, Inc., 2005-2013. All Rights Reserved.\n\nFor advances under any Certificate Secured Feature Category, all certificates\nwhich are pledged as Collateral must be renewed until Your outstanding balance is\npaid in full. Failure to renew any certificates securing any advance will cause Your\nentire outstanding balance to become immediately due and payable.\nOTHER SECURITY. Collateral (other than household goods or any dwelling) given\nas security under this Agreement or for any other loan You may have with Us will\nsecure all amounts You owe Us now and in the future.\nLIEN ON SHARES. If You have been issued a Credit Card, ATM or Check\nCard You grant and consent to a lien on Your shares with Us (except for\nIRA and Keogh accounts) and any dividends due or to become due to You\nfrom Us to the extent You owe on any unpaid Credit Card balance,\nReady Credit Line of Credit balance created through the use of Your ATM\nor Check Card.\nACCOUNT RESTRICTIONS. In order to receive and maintain a Share Secured,\nCertificate Secured or VISA Secured Feature Category, You agree to give Us\na specific pledge of shares which will equal Your Credit Limit. In the event that\nYou default on Your Share Secured, Certificate Secured or VISA Secured\nFeature Category, We may apply these shares toward the repayment of\nany amount owed on such Feature Category. You may cancel Your Share\nSecured, Certificate Secured or VISA Secured Feature Category at any time by\npaying any amounts owed on Your Share Secured, Certificate Secured or VISA\nSecured Feature Category Feature Category. To be certain that Your entire\nbalance and all advances are paid, any shares pledged may not be available to\nYou for 30 days after You have cancelled and any outstanding balance is paid\nin full.\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit\nfor each Feature Category for which You are approved. Unless You are in default,\nany Credit Limits established for You will generally be self-replenishing as You\nmake payments.\nYou will keep Your unpaid balance within Your Credit Limit set by Us, and You will\npay any amount over Your Credit Limit on Our demand whether or not We\nauthorize the advances which caused You to exceed Your Credit Limit. Even if\nYour unpaid balance is less than Your Credit Limit, You will have no credit\navailable during any time that any aspect of Your Account is in default.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for\nthe repayment of any amounts owed. If any Account access device, such as a\nPersonal Identification Number (PIN) is requested and approved, You understand\nthat any such Account access device(s) will be mailed only to the primary Borrower\nat the address that We have on file for You. We may refuse to follow any\ninstructions which run counter to this provision.\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need\nonly pay the Minimum Monthly Payments, You understand that You have the right\nto repay at any time without penalty. You also understand that You will only be\ncharged periodic Finance Charges to the date You repay Your entire balance. You\nmay make larger payments without penalty. Except for VISA, any partial payment\n\nPage 2 of 5\n\nOTBS 016 JOHN (7/13)\n\n\x0cor prepayment will be credited to future scheduled payments, except to the extent\nthat such prepayment cannot advance the date of Your next scheduled payment by\nmore than one calendar month, and any excess amounts so prepaid will not delay\nYour next scheduled payment. For VISA, any partial payment or prepayment will\nnot delay Your next scheduled payment. All payments to Us must be in lawful\nmoney of the United States. We may apply each payment to whichever Feature\nCategory We wish. For all Feature Categories (except VISA), payments will be\napplied first to any Late Charges owing, then to the Finance Charge due, then to\nthe outstanding principal balance. Except as required by law, the order in which We\nmay apply VISA payments is at Our discretion.\nAny unpaid portion of the Finance Charge will be paid by subsequent payments\nand will not be added to Your principal balance. You understand that any delay in\nthe repayment of Your unpaid balance will increase Your periodic Finance Charges\nand any acceleration in the repayment of Your unpaid balance will decrease Your\nperiodic Finance Charges.\n\nsubsequently each day thereafter ("Index") plus Our Margin. The Index plus the\nMargin equals the Interest Rate. Changes in the Index will cause changes in the\nInterest Rate on the day of any such change in the Index. Increases or decreases\nin the Interest Rate will cause like increases or decreases in the Finance Charge\nand will affect the number of Your regularly scheduled payments. Your Interest\nRate will never be greater than 18.00% nor less than 1.00% and will apply to Your\nremaining principal balance.\nOVERDRAFT PROTECTION. We may transfer funds in multiples of $50.00 (or in\nsuch increments as We may from time to time determine) to Your share draft\naccount by an advance on Your Ready Credit Line of Credit Feature Category,\nsubject to this provision, to clear any overdraft on Your share draft account.\nWhether or not such transfers occur will be controlled by this Agreement. In any\nevent, You hold Us harmless for any and all liability which might otherwise arise if\nthe transfer does not occur. Overdraft protection automatically ceases if this\nAgreement is ever cancelled or terminated or Your Account is in default.\n\nFor all Feature Categories (except VISA and Ready Credit Line of Credit),\nMinimum Monthly Payments will be disclosed to You at the time of each\nadvance on a separate page titled "Credit Line Account Advance Request and\nSecurity Agreement".\n\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement\nshowing all transactions on Your Account including amounts paid and borrowed\nsince Your last statement. We will mail You a statement each month in which there\nis a debit or credit balance or when a Finance Charge is imposed. We need not\nsend You a statement if We feel Your Account is uncollectible or if We have\nReady Credit Line of Credit Minimum Monthly Payments will be established at the started collection proceedings against You because You defaulted. EACH\ntime of each advance at an amount in accordance with the following table:\nSTATEMENT IS DEEMED TO BE A CORRECT STATEMENT OF ACCOUNT\nUNLESS YOU ESTABLISH A BILLING ERROR PURSUANT TO THE FEDERAL\nUnpaid Balance\nMonthly Payment\nTRUTH-IN-LENDING ACT.\n$0.00 - $500.00\n$30.00\n$500.01 - $1,000.00\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under\n$60.00\n$1,000.01 - $2,000.00\nno obligation to honor Your Convenience Checks if: (1) by paying a Convenience\n$75.00\n$2,000.01 - $3,000.00\nCheck, You would exceed Your Credit Limit; (2) Your Cards or Convenience\n$100.00\n$3,000.01 - $4,000.00\nChecks have been reported lost or stolen; (3) Your Account has been cancelled or\n$125.00\n$4,000.01 - $5,000.00\nhas expired. If a postdated Convenience Check is paid and, as a result, any other\n$150.00\n$5,000.01 - $7,500.00\nConvenience Check is returned unpaid, We are not responsible for any resulting\n$225.00\n$7,500.01 - $10,000.00\nloss or liability.\n$275.00\n$10,000.01 - $15,000.00\n$365.00\n$15,000.01 & Greater\nDEFAULT. You will be in default if: (a) You do not make any payment or perform\n$475.00\nany obligation under this Agreement, or any other agreement that You may have\nVISA Classic and VISA Secured Minimum Payments will be an amount equal to with Us; or (b) You should die, become involved in any insolvency, receivership or\n2.00% of Your new unpaid VISA Classic or VISA Secured balance at the end of custodial proceeding brought by or against You; or (c) You have made a false or\neach billing cycle, subject to the lesser of $15.00 or Your balance, plus any portion misleading statement in Your credit application and/or in Your representations to\nof the Minimum Payments shown on prior statement(s) which remains unpaid.\nUs while You owe money on Your Account; or (d) A judgment or tax lien should be\nfiled against You or any attachment or garnishment should be issued against any\nYou may, by separate agreement, authorize Us to charge Your payment directly to of Your property or rights, specifically including anyone starting an action or\nYour share or share draft account.\nproceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in\ngood faith, believe Your ability to repay Your indebtedness hereunder is or soon\nLATE CHARGE (EXCEPT FOR VISA). If Your payment is 10 or more days late, will be impaired, time being of the very essence.\nYou will be charged $15.00.\nUpon any occurrence of default, We may, to the extent permitted by law, cancel\nFINANCE CHARGES (EXCEPT FOR VISA). A Finance Charge will be assessed Your rights under this Agreement, require the return of all access devices and\non any unpaid principal balance for each Feature Category of Your Account for the declare the entire balance of every Feature Category of Your Account immediately\nperiod such balance is outstanding. Balances change each time advances are due and payable, without prior notice or demand, unless notice is required by law.\nmade, payments are made or credits given under any Feature Category. The If Your entire Account balance is not then paid immediately upon default, and if\nFinance Charge begins to accrue on the date of each advance and there is no permitted by law and after any required notice of Your right to cure default, the\ngrace period.\nCollateral shall be voluntarily surrendered to the Credit Union at a time and place\nacceptable to it. If this is not done, to the extent permitted by law and after any\nHOW TO DETERMINE THE FINANCE CHARGE (EXCEPT FOR VISA). For all required notice of Your right to cure default, the Credit Union may enter the\nFeature Categories (except for VISA), the Finance Charge is determined by premises where the Collateral is located and take possession of it and the Credit\nmultiplying Your unpaid balance at the close of each day in the billing cycle being Union may assert the defense of a superior right of possession as the holder of a\naccounted for by the applicable Daily Periodic Rate. The unpaid balance is the security interest to any offense of alleged wrongful taking and conversion. The\nbalance each day after payments, credits, and unpaid Finance Charges to that Credit Union may sell or dispose of the Collateral in any manner permitted by law,\nbalance have been subtracted and any new advances, insurance premiums or and any resulting deficiency on Your Account shall be immediately paid to the\nother charges have been added to Your unpaid balance. These daily Finance Credit Union. You further agree that We may, if necessary and at Our option,\nCharges are then added together and the sum is the amount of the Finance improve the Collateral from the state that it is in at the time of repossession to a\nCharge owed for the Feature Category being accounted for. The total Finance state that is considered reasonable and customary for normal use of the Collateral\nCharge You owe on Your Account for each billing cycle is the sum of all the and You agree to reimburse Us for any and all costs incurred in the course of\nFinance Charges due for all applicable Feature Categories.\nsuch improvements.\nVISA FINANCE CHARGES. In the case of any transactions under Your VISA\nClassic and VISA Secured Feature Categories, the balances subject to the periodic\nFinance Charge are the average daily transactions balances outstanding during the\nmonth (new and previous). To get the average daily balance, We take the\nbeginning balance each day, add any new purchases, balance transfers, cash\nadvances, insurance premiums, debit adjustments or other charges and subtract\nany payments, credits and unpaid Finance Charges. This gives Us the daily\nbalance. Then, We add up all the daily balances for the billing cycle and divide\nthem by the number of days in the billing cycle. The Finance Charge for a billing\ncycle is computed by multiplying the average daily balance subject to a Finance\nCharge by the Monthly Periodic Rate.\n\nCOLLECTION COSTS. In the event collection efforts are required to obtain\npayment on this Account, to the extent permitted by law, You agree to pay all court\ncosts, private process server fees, investigation fees or other costs incurred in\ncollection and reasonable attorneys\' fees, not in excess of 15% of the unpaid debt\nafter default. incurred in the course of collecting any amounts owed under this\nAgreement or in the recovery of any Collateral. If the attorney is Our salaried\nemployee You will not be assessed any attorneys\' fees.\n\nENFORCEMENT. We do not lose Our rights under this or any related agreement if\nWe delay enforcing them. We can accept late payments, partial payments or any\nother payments, even if they are marked "paid in full" without losing any of Our\nrights under this Agreement. If any provision of this or any related agreement is\nYou can avoid Finance Charges on purchases by paying the full amount of the determined to be unenforceable or invalid, all other provisions remain in full force\nentire balance owed each month within 25 days of Your statement closing date. and effect.\nOtherwise, the new balance of purchases, and subsequent purchases from the\ndate they are posted to Your Account, will be subject to a Finance Charge. Cash NOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move\nadvances and balance transfers are always subject to a Finance Charge from the or otherwise have a change of address.\ndate they are posted to Your Account.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\nCERTIFICATE SECURED VARIABLE RATE. Advances are subject to a Variable delivering to You written notice of the changes as prescribed by the Federal\nRate which is based on the dividend rate being paid on the shares pledged on the Truth-In-Lending Act or applicable Colorado law. To the extent permitted by\ndate that Your Certificate Secured Feature Category is established, and law, the right to change the terms of this Agreement includes, but is not limited to,\nCopyright Oak Tree Business Systems, Inc., 2005-2013. All Rights Reserved.\n\nPage 3 of 5\n\nOTBS 016 JOHN (7/13)\n\n\x0cthe right to change the periodic rate applicable to Your unpaid balance and/or\nfuture advances.\nPROPERTY INSURANCE. You agree to insure the property described in the\nSecurity Interest section of any Credit Line Account Advance Request and Security\nAgreement against fire and other hazards, with a policy as specified by Us, in the\namount necessary to protect Our security interest in the Collateral with Us named\nas loss payee for Our protection and with a maximum deductible of $1,000. Such\ninsurance shall protect against loss by fire, theft, and collision, and will provide "all\nrisks" hull insurance in the case of aircraft or boats and accessories thereto, if any.\nYou may purchase the insurance from any insurer You want, but We have the right\nnot to accept the insurer for reasonable cause. If You do not get or keep such\ninsurance, We may (but are under no obligation to do so) obtain it and: (a) add the\ncosts to the principal balance of Your Account; (b) increase Your periodic payment;\nand/or (c) demand that You pay the cost in a single lump sum. In any case, You\nagree to pay for the cost of any such insurance and if You fail to do so, We may\ndeclare Your Account in default. You agree to deliver satisfactory evidence of the\ninsurance policy to Us within any time period specified in any notice from Us or on\nOur behalf. You understand that any property insurance obtained by Us on the\nCollateral will only protect Our interest in this Agreement and the Collateral and\nthat the cost of such insurance may be remarkably greater than that which You\nobtain on Your own, all of which means that property insurance obtained by Us on\nYour behalf may cost You more and provide less coverage on the Collateral. We\nhave the authority to obtain, adjust, settle or cancel insurance and may endorse\nany party\'s name on any draft.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit\nunder this Agreement. However, You may purchase any credit insurance available\nthrough Us and have the premiums added to Your outstanding balance. If You elect\nto do so, You will be given the necessary disclosures and documents separately.\n\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional\nDisclosure - Federal Truth-In-Lending Act", and/or "Credit Line Account Advance\nRequest and Security Agreement" which is delivered together with this Agreement\nor at a later date become an integrated part of this Agreement and Disclosure.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this\nAgreement. By signing the application; or by using Your Account or any Account\naccess device; or by authorizing another to use Your Account, You agree to and\naccept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide\nfacts to update information contained in Your original Account application or other\nfinancial information related to You, at Our request. You also agree that We may,\nfrom time to time, as We deem necessary, make inquiries pertaining to Your\nemployment, credit standing and financial responsibility in accordance with\napplicable laws and regulations. You further agree that We may give information\nabout the status and payment history of Your Account to consumer credit reporting\nagencies, a prospective employer or insurer, or a state or federal licensing agency\nhaving any apparent legitimate business need for such information.\n\nREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not\nliable for the refusal or inability of merchants, financial institutions and others to\naccept the Cards or Convenience Checks, or electronic terminals to honor the\nCards or complete a Card withdrawal, or for their retention of the Cards or\nConvenience Checks.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign countries and\nforeign currencies, the exchange rate between the transaction currency and the\nbilling currency (U.S. dollars) will be: (a) a rate selected by VISA from the range of\nrates available in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate VISA itself receives; or (b) For transactions\nthat are initiated in a foreign currency, You will be charged 1.00% of the final\nsettlement amount. For transactions occurring in foreign countries and initiated in\nU.S. Dollars, You will be charged 0.80% of the final settlement amount.\nTRANSACTION SLIPS. Your monthly statement will identify that merchant,\nelectronic terminal or financial institution at which transactions were made, but\nsales, cash advances, credit or other slips cannot be returned with the statement.\nLATE CHARGE. If Your payment is 1 or more days late, You will be charged the\nlesser of: (a) the amount of the minimum payment due; or (b) $30.\nOTHER FEES AND CHARGES. You will be charged a $25.00 FINANCE CHARGE\nfor each cash advance You take.\n\nLOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit\nCards or Convenience Checks, You will immediately call Us at (800) 682-6075 or\nwrite to Us at the address shown in this Agreement.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a slip which will be posted to Your\nAccount. If Your credits and payments exceed what You owe Us, We will hold and\napply this credit against future purchases and cash advances, or if it is $1.00 or\nmore refund it on Your written request or automatically deposit it to Your share\naccount after 6 months.\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 Our address shown\nin this Agreement. In Your letter, give us the following information:\n\n.\n.\n.\n\nAccount information: Your name and Account number.\nDollar amount: The dollar amount of the suspected error.\nDescription of problem: If You think there is an error on Your bill, describe\nwhat You believe is wrong and why You believe it is a mistake.\n\nYou must contact Us:\n\n.\n.\n\nWithin 60 days after the error appeared on Your statement.\nAt least 3 business days before an automated payment is scheduled, if\nYou want to stop payment on the amount You think is wrong.\n\nTERMINATION. Either You or We may cancel Your Account or any particular\nFeature Category of Your Account, at any time, whether or not You are in default.\nYou will, in any case, remain liable to pay any unpaid balances according to the\nterms of Your Account.\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You do\nWe are not required to investigate any potential errors and You may have to pay\nthe amount in question.\n\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nState of Colorado except to the extent that such laws are inconsistent with\ncontrolling federal law.\n\nWhen We receive Your letter, We must do two things:\n\nSPECIFIC TERMS APPLICABLE TO YOUR VISA\nCLASSIC AND VISA SECURED CREDIT CARDS\nUSE OF YOUR CARD. You may use Your Card to buy goods and services in any\nplace that it is honored and to get cash advances at participating financial\ninstitutions. You agree not to use Your Card for illegal transactions including, but\nnot limited to, advances made for the purpose of gambling and/or wagering where\nsuch practices are in violation of applicable state and/or federal law.\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at\nany time without notice. You agree to surrender Your Card and to discontinue its\nuse immediately upon Our request.\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue a\nPersonal Identification Number (PIN) for use with participating Automated Teller\nMachines (ATMs). This PIN is confidential and should not be disclosed to anyone.\nYou may use Your PIN to access Your Account and all sums advanced will be\nadded to Your balance. In the event a use of Your PIN constitutes an Electronic\nFund Transfer, the terms and conditions of Your Electronic Fund Transfer\nAgreement may also affect Your rights.\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other\nslips You may sign or receive when using Your Card contain terms, this Agreement\nis the contract which solely applies to all transactions involving the Card.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card.\nYou will not be liable for the unauthorized use that occurs after You notify Us of the\nloss, theft, or possible unauthorized use by calling Us at (800) 828-2274 or by\nwriting to Us at the address shown in this Agreement. In any case, Your liability will\nnot exceed $50.\nCopyright Oak Tree Business Systems, Inc., 2005-2013. All Rights Reserved.\n\nWhat Will Happen After We Receive Your Letter\n\n1) Within 30 days of receiving Your letter, We must tell You that We received Your\nletter. We will 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\nexplain to You why We believe the bill is correct.\nWhile We investigate whether or not there has been an error:\n\n.\n.\n.\n.\n\nWe cannot try to collect the amount in question, or report You as\ndelinquent on that amount.\nThe charge in question may remain on Your statement, and We may\ncontinue to charge You interest on that amount.\nWhile You do not have to pay the amount in question, You are responsible\nfor the remainder of Your balance.\nWe can apply any unpaid amount against Your Credit Limit.\n\nAfter We finish Our investigation, one of two things will happen:\n\n.\n.\n\nIf We made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send You a statement\nof the amount You owe and the date payment is due. We may then report You\nas delinquent if You do not pay the amount We think You owe.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must\nwrite to Us within 10 days telling Us that You still refuse to pay. If You do\nso, We cannot report You as delinquent without also reporting that You are\nquestioning Your bill. We must tell You the name of anyone to whom we\nreported You as delinquent, and We must let those organizations know when the\nmatter has been settled between Us. If We do not follow all of the rules above,\n\nPage 4 of 5\n\nOTBS 016 JOHN (7/13)\n\n\x0cYou do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with\nYour Credit Card, and You have tried in good faith to correct the problem with the\nmerchant, You may have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n1)\n\nThe purchase must have been made in Your home state or within 100 miles of\nYour current mailing address, and the purchase price must have been more\nthan $50. (Note: Neither of these are necessary if Your purchase was based\n\nCopyright Oak Tree Business Systems, Inc., 2005-2013. All Rights Reserved.\n\non an advertisement We mailed to You, or if We own the company that sold\nYou the goods or services.)\n2) You must have used Your Credit Card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses Your Credit Card\naccount 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,\ncontact Us in writing at Our address shown in this Agreement.\nWhile We investigate, the same rules apply to the disputed amount as discussed\nabove. After We finish Our investigation, We will tell You Our decision. At that\npoint, if We think You owe an amount and You do not pay, We may report You\nas delinquent.\n\nPage 5 of 5\n\nOTBS 016 JOHN (7/13)\n\n\x0c'


b'ADDENDUM TO YOUR CARDHOLDER AGREEMENT\nLake Michigan Credit Union\nPO Box 2848, Grand Rapids, MI 49546 - 800.242.9790\nEffective Date: 10/01/2018\n\nPrime Rate: 5.25%\n\nInterest Rates and Interest Charges\n\nANNUAL PERCENTAGE RATE (APR)\n1. Purchases\n2. Cash Advances\nBalance Transfers\n\n3.\n\nPrime Platinum Visa:\nVariable Rate:\nMax Rewards Platinum Visa:\nVariable Rate:\nLoan Rebate Platinum Visa:\nVariable Rate:\n\n8.25 \xe2\x80\x93 16.25%\n12.00 \xe2\x80\x93 18.00%\n10.25 \xe2\x80\x93 18.00%\n\nThis APR will vary with the market based on the Prime Rate.\n18.00%\n\nPenalty APR and When it Applies\n\nThis APR may be applied to your account if your account is 60 days\npast due.\nHow Long Will Your Penalty APR Apply? If your APRs are\nincreased for this reason, the Penalty APR will apply until you make\nsix consecutive minimum payments when due.\n\nHow to Avoid Paying Interest\n\nYour due date is at least 25 days after the close of each billing\ncycle. We will not charge you any interest on purchases if you pay\nyour entire balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the\ntransaction date.\n\nMinimum Interest Charge\n\nNone.\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nTo learn more about factors to consider when applying for or using\na credit card, visit the website of the Consumer Financial Protection\nBureau at https//www.consumerfinance.gov/learnmore\n\nFees\n\nAnnual Fee\n\nNone.\n\nTransaction Fees\n1. Balance Transfer\n\nNone.\n\n2. Cash Advance\n\n3% of the amount of the cash advance.\n\n3. Foreign Transaction\n\n1% of each transaction in U.S. Dollars\n\nPenalty Fees\n1. Late Payment\n\nUp to $15.00 for unpaid balances up to $1,000.00\nUp to $25.00 for unpaid balances of $1,000.00 and greater\n\n2. Over-the-Credit Limit\n\nIf you opt in, $25.00.\n\n3. Returned Payment\n\nUp to $25.00.\n\nSEE NEXT PAGE for more important information about your account.\n\n\x0cHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nSee your account agreement for more details.\nBilling Rights: Information on your right to dispute transactions and how to exercise those rights is provided in your\naccount agreement.\nLost or Stolen Card Replacement: First occurrence is $5.00; second occurrence is $10.00; rush card is $30.00.\nMinimum Payment: Two percent (2%) of the new balance or $20, whichever is greater, plus the amount of balance that\nexceeds the Credit Limit, plus any amounts past due.\nMargin:\nPrime Platinum Visa: Prime + 3.00% - 11.00% - ceiling 18.00%.\nMax Rewards Platinum Visa: Prime + 6.75% - 14.50% - ceiling 18.00%\nLoan Rebate Platinum Visa: Prime + 5.00% - 14.00% - ceiling 18.00%\nRates shown are variable and subject to change. Your rate may vary based on individual creditworthiness and our\nunderwriting standards.\nThe information about the costs of the card described in this application is accurate as of the date above. This\ninformation may have changed after that date. To find out what may have changed, contact LMCU via the address\nand phone number in the agreement.\n\n\x0c'


b'to have been applied first to payment of finance charges in\norder of their entry to the account and then to payment of the\nrespective amounts financed in the order in which the entries\nwere made and, for transactions made on the same day, the\nsmallest shall be deemed the first paid. By using your card\nyou are granting us a security interest in all your funds in your\npresent and future Landmark Credit Union deposit accounts,\nexcept IRAs and any other accounts exempted by state and\nfederal law, to the full amount of your credit card indebtedness\nwith us. Should you default under the terms of this Agreement,\nwe may, at our sole option, subject to any notice and right to\ncure required by Wis. Stat. Sec. 425.105, at any time thereafter,\nexercise our right of set-off and apply any portion of, or\nthe entire amount of, such funds toward payment of the\noutstanding indebtedness, and/or, we may exercise our right\nto refuse to allow withdrawal from such accounts to the full\nextent of the delinquent amount, all of which is subject to\nthe restrictions contained in Section. 1026.13 (d) (1) of federal\nReg. Z. If you give, have given or will give us any other security\ninterests for all your debts, your Account will also be secured\nby the property described in those security agreements\n(except your home and/or dwelling, home furnishings,\nappliances and clothing), including, if your balance exceeds\n$1,000 and except as otherwise expressly excluded herein, any\nreal property.\n12. Credits: If plan members who honor your Card give you\ncredit for returns or adjustments, they will do so by sending us\na credit slip that we will post to your Account. We will apply\nthose credits first to offset your current purchases, and then\nto your previous balance. If your credits and payments exceed\nwhat you owe us, we will hold and apply this credit balance\nagainst future purchases and cash advances, or refund it on\nyour written request if it is $1.00 or more. We will make a good\nfaith attempt to return to you any credit balance that remains\nin your Account for more than six months.\n\na charge to an account and decreased by one percent (1%)\nif the conversion is made in connection with a credit to the\nAccount. The date of conversion by Visa\xc2\xae may differ from the\npurchase date and the posting date identified in the monthly\nstatement for your Account. You agree to pay charges and\naccept credit for the converted transaction amounts in\naccordance with the terms of this paragraph.\n\nrequest. Check our website, landmarkcu.com, or a fee\nschedule in any branch for the current fee. These fees will not\nbe charged if the request is related to a billing error under\nthe Fair Credit Billing Act. (d) There will be a $30.00 charge for\neach check presented in payment that is returned unpaid. (e)\nThere will be a cash advance fee the greater of $5.00 or 3% of\nthe amount of the cash advance.\n\n15. Unauthorized Use: You authorize us to pay from\nyour Account all items reflecting credit purchases or cash\nadvances made with the Card in spite of the absence of\nyour signature on the draft or the lack of presentation of\nthe Card. You may be liable for unauthorized use of your\nVisa\xc2\xae Signature Card. However, YOU WILL NOT BE LIABLE\nFOR UNAUTHORIZED USE THAT OCCURS AFTER YOU\nNOTIFY US OF THE LOSS, THEFT, DISPUTE OR POSSIBLE\nUNAUTHORIZED USE OF YOUR CARD (Contact in writing at\nCardholder Services, P.O. Box 183258, Columbus, OH 432183258; Visa\xc2\xae Signature Card for Customer Service and to list\nas Lost or Stolen please call 1-855-340-8778; electronically\nat dispute.services@fiserv.com). In addition, unless you\nhave been grossly negligent or have engaged in fraud, you\nwill not be liable for any unauthorized transactions using\nyour lost or stolen Visa card. This additional limit on liability\ndoes not apply to ATM transactions outside of the U.S., to\nATM transactions not sent over Visa [or Plus] networks, or\nto transactions using your personal identification number\nwhich are not processed by Visa, at which time your liability\nwill not exceed $50.\n\n18. Termination: If you are a resident of Wisconsin, our\nreceipt of a written notice from your spouse terminating his\nor her liability for the Account will constitute an event of\ndefault if such termination materially impairs the condition,\nvalue or protection of our right to any collateral securing\nyour obligations under this Agreement or your ability to pay\nthe obligations due under this Agreement. You will remain\nresponsible for all amounts charged to your Account both\nbefore and after receipt of such notice. Your privilege of\nusing the Card and the Account shall expire on the date\nshown on the Card. You may terminate your Account\nrelationship with us at any time by surrendering to us all\nyour Cards and unused Convenience Checks, but you will\nremain liable to us for full payment of any balance on your\nAccount. We may revoke your Card at any time without prior\nnotification and without affecting your obligation to pay the\nAccount balance.\n\n13. Plan member Disputes: We are not responsible for refusal\nof any plan member or financial institution to honor your Card\nor Convenience Check. You must resolve directly with the\nplan member any disputes regarding goods or services you\npurchase with the Card, unless: (a) your purchase was made\nin response to an advertisement we sent or participated in\nsending you, or (b) your purchase cost more than $50.00 and\nwas made from a plan member in your state or within 100\nmiles of your home.\n\n16. Effect of Regulations: This agreement is the contract\nthat applies to all transactions on your Account even though\nthe sales, cash advances, or credit slips you sign may contain\ndifferent terms. We may amend this Agreement from time\nto time. If required by Section 422.415, Wis. Stats., we will\nprovide written notice of an amendment 90 days prior to\nthe date the amendment is effective. Your use of the Card or\nConvenience Check thereafter will indicate your agreement\nto the amendments. To the extent the law permits, and\nwe indicate in our notice, amendments will apply to your\nexisting Account balance as well as to future transactions.\nNo delay or omission in exercising any rights granted to us\nhereunder shall impair such rights or be construed to be a\nwaiver thereof. No waiver whatsoever shall be valid unless\nsigned in writing by us and then only to the extent set forth\ntherein.\n\n14. Foreign Transaction Fee: A transaction that takes place\nin a foreign country will be charged 1% of the US dollar\namount whether the transaction was made in US dollars\nor was converted from a foreign currency. For transactions\nbeing converted from a foreign currency, Visa\xc2\xae International\nwill convert foreign currency to US dollars using either the\ngovernment-mandated exchange rate or the wholesale\nexchange rate in effect one day before the date of the\nconversion, as applicable. The exchange rate is increased by\none percent (1%) if the conversion is made in connection with\n\n17. Fees and Charges: (a) As permitted by Wisconsin\nStatutes, a $25.00 late payment fee will be assessed against\nyour Account if we do not receive your minimum payment\non or before the due date set forth on your periodic\nstatement. (b) You will be charged a lost Card replacement\nfee of $6.00 for any lost Card which we must replace. To\nlimit your personal liability, contact us immediately upon\ndiscovery of loss. (c) You will be provided one periodic\nstatement per billing period and will be charged for each\nduplicate billing statement, draft, or machine receipt you\n\n19. Change of Address: We will send all Account statements\nand any other notices concerning this Account to your address\nas shown in our records. If you change your address, you must\nnotify us of your new address within a reasonable time.\n20. Applicable State Laws: The validity, construction, and\nenforcement of this Agreement and all matters arising out\nof the issuance and use of the Card shall be governed by the\nlaws of Wisconsin.\n21. Joint Account: You agree that all parties to your\nAccount are authorized on your behalf to request Credit\nLine increases, to agree to amendments or modifications\nto the Account, to enter into settlements or agreements\nwith us regarding the Account, to request additional Cards,\nor to authorize others to transact business on the Account.\nYou agree to be jointly and severally liable for all charges to\nthe Account made or authorized by any other party to the\nAccount, whether or not such charges caused the Account\nbalance to exceed the Credit Limit.\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities\nunder 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:\nCardholder Services\nPO Box 183258\nColumbus OH 43218-3258\nOr, contact electronically at dispute.services@fiserv.com.\n\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your\nstatement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing or\nelectronically. You may call us, but if you do we are not\nrequired to investigate any potential errors and you may have\nto 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\nthat we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the bill\nis correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will\nhappen:\n1. If we made a mistake: You will not have to pay the\namount in question or any interest or other fees related to\nthat amount.\n2. If we do not believe there was a mistake: You will have\nto pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the\namount you owe and the date payment is due. We may\nthen 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\nwrong, you must write to us within 10 days telling us that\nyou still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those\norganizations know when the matter has been settled\nbetween us.\n\nIf we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill\nis correct.\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may\nhave the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases 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.\n\nCash Back Credit Card\nAgreement and Disclosure\n\nLANDMARK CREDIT UNION\n\n5445 S. Westridge Drive, P.O. Box 510870\nNew Berlin, WI 53151-0870\n(262) 796-4500, x6609\nIf your card is lost or stolen, notify us immediately:\nIn the U.S. call (855) 340-8778\nOutside the U.S. call (301) 945-9975\n\nIf all of the criteria above are met and you are still dissatisfied\nwith the purchase, contact us in writing at:\nCardholder Services\nPO Box 183258\nColumbus OH 43218-3258\nOr, contact electronically at dispute.services@fiserv.com.\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as\ndelinquent.\n\n\xc2\xae\n12.99 (CashBack 375)\n3/20\n\n0.5M\n3645044\n\n\x0cInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases and Balance Transfers\n\n0% APR for 6 months from the account opening date. After that your APR will be\n16.24%\nThis APR will vary with the market based upon the Prime Rate.\n\nAPR for Cash Advances\n\n19.24%\nThis APR will vary with the market based upon the Prime Rate.\n\nPenalty APR and\nWhen it Applies\n\nPaying Interest\n\n29.99%\nThis APR may be applied to your account if a minimum payment or portion thereof is past due by more\nthan 60 days.\nHow long will the Penalty APR apply? If your APRs are increased for the reason set forth here, the\nPenalty APR will apply until you make three consecutive minimum payments on time.\nYour due date is at least 27 days after the close of each billing cycle. We will not charge you any interest on\npurchases and balance transfers if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances on the transaction date.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fees\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nNone\n\n\xe2\x80\xa2 Cash Advance\n\nGreater of $5.00 or 3% of the cash advance amount\n\n\xe2\x80\xa2 Foreign Transaction\n\n1% of the amount of the transaction\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $25.00\n\n\xe2\x80\xa2 Over the Credit Limit\n\nNone\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $30.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases). See Section 7 of\nthe Account Agreement for more details.\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if a minimum payment or portion thereof is\npast due by more than 60 days.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided at the end of the\nAgreement.\n\nThis card is issued by Landmark Credit Union pursuant to a license from Visa\xc2\xae USA Inc.\nBalance transfers from a Landmark credit card may not be eligible. Maximum cash advance is 50% of credit limit.\n\nCredit Card Rules, Regulations, and Disclosures\nKeep This Notice for Future Use. This Agreement and\nDisclosure (\xe2\x80\x9cAgreement\xe2\x80\x9d) is effective as of March 2020. In\nthis Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and\nall of those who applied for or received, or who signed and\nused, the Card. The term \xe2\x80\x9cCard\xe2\x80\x9d means your Cash Back Visa\xc2\xae\nSignature Card issued by Landmark Credit Union, pursuant to\na license from Visa\xc2\xae USA Inc., and any duplicates or renewals\nwe issue. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d means Landmark Credit Union.\n\xe2\x80\x9cAccount\xe2\x80\x9d means your Landmark Credit Union Cash Back\nVisa\xc2\xae Signature Card account.\n1. Responsibility: If you apply for and receive a Card from\nus, you agree to this Agreement. You also agree to repay\nall debts and any Finance Charges or any other fees or\ncharges arising from use of the Cards and the Card account.\nFor example, you are responsible for any charges made by\nyourself and anyone else to whom you give the Card. This\nresponsibility continues until you recover and return the\nCard to us. Except to the extent permitted by law, you cannot\ndisclaim your responsibility for such charges by notifying us,\nand your responsibility continues even though an agreement,\ndivorce decree or other court judgment to which we are\nnot a party, may direct you or one of the other persons\nheld responsible under the Account to pay the Account.\nAny person using the Card shall be jointly responsible with\nyou for the charges made, and if that person signs the card,\nand receives a copy of this Agreement, he or she is also\nresponsible for all charges on the Account, including yours.\n2. Credit Line: We will establish a maximum credit limit for\nyour Account (\xe2\x80\x9cCredit Line\xe2\x80\x9d) and advise you of its amount.\nYou agree not to let the Account balance exceed the Credit\nLine, but you remain responsible for payment if it does.\nAny Account balance in excess of the Credit Line is payable\nimmediately. We reserve the right to reduce your Credit Line,\nfrom time to time, or to revoke your Card, without affecting\nyour obligation to pay all Account balances. Maximum cash\nadvance is 50% of your Credit Line. The Cards remain our\nproperty, and if we request, you must recover and surrender\nto us all Cards we issued on your Account.\n3. Use of the Card: To make a purchase or cash advance,\npresent the Card to an authorized plan member or financial\ninstitution and sign the sales or cash advance draft that\nwill be imprinted with your Card. You may also obtain a\ncash advance with the Card at certain automated terminals.\nRegular transactions are counted against your Credit Line.\nYou will receive a copy of the draft (or machine receipt at a\nterminal at which there is no attendant), which you should\nretain to verify your monthly statement. We reserve the right\nto make a reasonable charge for photostatic or duplicate\ncopies of drafts or machine receipts you may request. Your\nCard may not be used for any transaction that is illegal under\nFederal, State or local law. Also, your Card may not be used\nfor any Gambling including Internet Gambling.\n\n4. Convenience Checks: We may, from time to time, supply\nyou with personalized Convenience Checks that are subject\nto the following conditions. Only the person whose name is\nprinted on a Convenience Check may sign it. All Convenience\nChecks must be written in U.S. dollars. We will not certify a\nConvenience Check. We are entitled to return a Convenience\nCheck unpaid if there is not enough available Credit Line\non your Account to pay for it, if you are in default under\nthis Agreement, if your Card or Convenience Check has\nbeen reported lost or stolen, if your Convenience Check is\npostdated, if your right to use Convenience Checks has been\ncancelled or suspended, or if your Account has been closed.\nIn addition, we may refuse to honor a Convenience Check\nwhenever we would be entitled to dishonor an ordinary\ncheck. If we refuse, under the terms of these Regulations, to\nhonor a Convenience Check issued by you, we may charge\nyour Account a NSF fee. Check our website, landmarkcu.com,\nor a fee schedule in any branch for current fee. A\nConvenience Check cannot be used to make a payment on\nany Landmark Credit Union Visa\xc2\xae Account.\nAny Convenience Check that we pay will be posted to your\nAccount as a cash advance and will be subject to all the terms\nin this Agreement that apply to cash advances. We shall have\nno liability for any Convenience Check that we return because\nit was written for an amount in excess of your available Credit\nLine. Convenience Checks that you use and we pay will not\nbe returned to you but will be identified on your monthly\nbilling statement. The Wisconsin Uniform Commercial Code,\nas well as applicable Landmark Credit Union policies and\nfees, will apply to Convenience Checks as if they were checks\ndrawn on a checking Account.\n5. Introductory Annual Percentage Rate and Monthly\nPeriodic Rate: Your introductory rate is 0%. This rate applies\nfor the first six billing periods (the \xe2\x80\x9cIntroductory Rate Period\xe2\x80\x9d),\nunless terminated in the event of delinquency. After the\nIntroductory Rate Period ends, your Monthly Periodic Rate\nand corresponding Annual Percentage Rate may vary as\ndescribed in Section 8.\n6. Cash Back Program: Earn Cash Back on purchases made\nwith your Signature Cash Back Visa\xc2\xae Card. The Cash Back\namount will be 1.5% for purchases.\nThere is no maximum on your Cash Back. You may check\nyour available Cash Back or request a payout within your\nLandmark Credit Union Online or Mobile Banking account.\nThe minimum redeemable Cash Back amount is $25.00. Cash\nBack may be applied to your outstanding card balance or\ndeposited into your Landmark savings account.\nRestrictions on Cash Back. Cash Back is based on qualifying\nnet purchases (purchases minus any credit or returns).\nCash Back is not available: 1) on cash advances and\nConvenience Checks, 2) on any purchases that exceed your\navailable credit limit, 3) on any business purpose purchases,\n\n4) upon your Account being closed for any reason, 5) past due\nor charged off accounts, 6) fraudulent charges, 7) credit of any\nkind including returns, 8) balance transfers. We reserve the\nright to discontinue providing you with Cash Back if you use\nyour Card for other than consumer or personal purposes. We\nreserve the right to cancel this Cash Back program at any time.\n7. Finance Charge: Starting the first billing period after\nexpiration of the Introductory Rate, your Account will be\nsubject to a Finance Charge during any billing period during\nwhich you (a) received, or had outstanding, a cash advance;\nor (b) failed to pay in full the previous balance shown on\nthe statement during the first 27 days of the statement (the\n\xe2\x80\x9cGrace Period\xe2\x80\x9d).\nYour Landmark Cash Back Visa\xc2\xae Signature Card Finance\nCharge is calculated by applying the Monthly Periodic Rate,\ndetermined as set forth in Section 8 of this Agreement, to the\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d of your Account. To get the \xe2\x80\x9caverage\ndaily balance,\xe2\x80\x9d we take the beginning balance of the Account\neach day, reduced by any payment you make, credits we\napply, and any late payment fee due, and increased by any\ncash advances and, if the previous balance was not paid in\nfull during the Grace Period, all new credit purchases posted\nthrough that date. This gives us the daily balance. Then we\nadd all the daily balances for the billing period together and\ndivide the total by the number of days in the billing period.\nThis gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d All accounts are\nsubject to a Minimum Finance Charge of $1.00.\nYou can avoid incurring a Finance Charge on purchases\nby paying the New Balance in full within the Grace Period.\nHowever, a Finance Charge will be imposed on cash advances\nfrom the date made (on Convenience Checks from the date\ncleared), and will continue to accrue on any cash advances\nor Convenience Checks until your payment is received. If\na minimum payment or any portion thereof is past due by\nmore than 60 days, your Monthly Periodic Rate will increase\nto 2.499% (Annual Percentage Rate of 29.99%). This Penalty\nRate will be effective following any notice and waiting period\nrequired by law. Your Monthly Periodic Rate of 2.499%\n(Annual Percentage Rate of 29.99%) will remain on your\nAccount until your Account has been paid on time and with\nno other event of default for three (3) consecutive billing\nperiods after application of the Penalty Rate, at which point\nit will return to the Variable Rate determined as set forth in\nSection 8 of this Agreement.\n8. Variable Rate: Your Monthly Periodic Rate and\ncorresponding Annual Percentage Rate may vary. Effective\nMarch 1, 2020, your Annual Percentage Rate is determined by\nadding a margin of 12.99% to the Prime Rate published in the\nWall Street Journal. Effective Prime Rate for your interest rate\ncalculation will be identified on the 10th day of each month\nor the last date of publishing, if not published on the 10th. If\nPrime Rate has changed, your interest rate will also change\neffective the 1st day of the following calendar month and\n\nthe new rate will apply to any outstanding balance as well as\nfuture balance increases. Any promotional or penalty APR that\napplies to your card will not be affected by this change.\n9. Monthly Payment: Unless there has been no activity on\nyour Account since your last statement and your Account\nshows a zero balance, we will mail you a statement for every\nbilling period, showing your previous balance, the current\ntransactions on your Account, the remaining credit available\nunder your Credit Line, the applicable Monthly Periodic\nRate, the fees and Finance Charge, the new balance, and\nthe minimum payment due. Every billing period you must\npay at least the minimum payment by its due date. You may\npay more than the minimum or pay the new balance in full,\nwhich may reduce or avoid the Finance Charge. The minimum\npayment will be 2.0% of your new balance, or $25.00,\nwhichever is greater, or your full new balance if it is less than\n$25.00. We will apply your payment first to the finance charge\nand fees then to your unpaid balance in the order transactions\nwere posted to your Account. If a different Annual Percentage\nRate applies to different balances, any payment above the\nminimum payment will be applied to the balance bearing\nthe highest Annual Percentage Rate. A minimum payment is\nrequired for every billing period and any additional amount\npaid will reduce your balance but will not prepay any future\nminimum payment.\n10. Default: You will be in default if (i) your violation of\nany requirement of this Agreement materially impairs the\ncondition, value or protection of our right to any collateral\nsecuring your obligations under this Agreement or your ability\nto pay the obligations due under this Agreement; or (ii) you fail\nto make the minimum payment on or before the due date two\ntimes during any 12-month period. You will also be in default if\nyour ability to repay us or the value or protection of our right in\nany collateral securing your obligations is materially impaired\nin the event you or your spouse die, change marital status,\nchange marital domicile, or become the subject of bankruptcy\nor insolvency proceedings. If you are in default, we have a right\nto demand immediate payment of the full balance, exercise\nour right to offset and/or commence legal action to recover\ncollateral or reduce the claim to a judgment after complying\nwith all notice requirements as mandated by law.\n11. Security Interest: Each purchase and cash advance\nthrough your Account constitutes a transaction pursuant to an\nopen-end credit plan in the State of Wisconsin. You agree that\nthe Wisconsin Consumer Act applies to all these transactions\neven though you may use them for business purposes or you\nare a person not otherwise governed by the Act. To secure\neach transaction, you grant us a purchase-money security\ninterest under the Uniform Commercial Code in any goods you\npurchase with it. If you default, we will have the right to recover\nany of these goods, which have not been paid for in full.\nFor purposes of determining the amount of the unpaid balance\nsecured by our security interest, your payments will be deemed\n\n\x0c'


b'you are granting us a security interest in all your funds in your\npresent and future Landmark Credit Union deposit accounts,\nexcept IRAs and any other accounts exempted by state and\nfederal law, to the full amount of your credit card indebtedness\nwith us. Should you default under the terms of this Agreement,\nwe may, at our sole option, subject to any notice and right to\ncure required by Wis. Stat. Sec. 425.105, at any time thereafter,\nexercise our right of set-off and apply any portion of, or\nthe entire amount of, such funds toward payment of the\noutstanding indebtedness, and/or, we may exercise our right\nto refuse to allow withdrawal from such accounts to the full\nextent of the delinquent amount, all of which is subject to\nthe restrictions contained in Section. 1026.13 (d) (1) of federal\nReg. Z. If you give, have given or will give us any other security\ninterests for all your debts, your Account will also be secured\nby the property described in those security agreements\n(except your home and/or dwelling, home furnishings,\nappliances and clothing), including, if your balance exceeds\n$1,000 and except as otherwise expressly excluded herein, any\nreal property.\n12. Credits: If plan members who honor your Card give you\ncredit for returns or adjustments, they will do so by sending us\na credit slip that we will post to your Account. We will apply\nthose credits first to offset your current purchases, and then\nto your previous balance. If your credits and payments exceed\nwhat you owe us, we will hold and apply this credit balance\nagainst future purchases and cash advances, or refund it on\nyour written request if it is $1.00 or more. We will make a good\nfaith attempt to return to you any credit balance that remains\nin your Account for more than six months.\n13. Plan member Disputes: We are not responsible for refusal\nof any plan member or financial institution to honor your Card\nor Convenience Check. You must resolve directly with the\nplan member any disputes regarding goods or services you\npurchase with the Card, unless: (a) your purchase was made\nin response to an advertisement we sent or participated in\nsending you, or (b) your purchase cost more than $50.00 and\nwas made from a plan member in your state or within 100\nmiles of your home.\n14. Foreign Transaction Fee: A transaction that takes place\nin a foreign country will be charged 1% of the US dollar\namount whether the transaction was made in US dollars\nor was converted from a foreign currency. For transactions\nbeing converted from a foreign currency, Visa\xc2\xae International\nwill convert foreign currency to US dollars using either the\ngovernment-mandated exchange rate or the wholesale\nexchange rate in effect one day before the date of the\nconversion, as applicable. The exchange rate is increased by\none percent (1%) if the conversion is made in connection with\na charge to an account and decreased by one percent (1%)\nif the conversion is made in connection with a credit to the\nAccount. The date of conversion by Visa\xc2\xae may differ from the\npurchase date and the posting date identified in the monthly\nstatement for your Account. You agree to pay charges and\n\naccept credit for the converted transaction amounts in\naccordance with the terms of this paragraph.\n\nunpaid. (e) There will be a cash advance fee the greater of\n$5.00 or 3% of the amount of the cash advance.\n\n15. Unauthorized Use: You authorize us to pay from\nyour Account all items reflecting credit purchases or cash\nadvances made with the Card in spite of the absence of\nyour signature on the draft or the lack of presentation of\nthe Card. You may be liable for unauthorized use of your\nVisa\xc2\xae Platinum Card. However, YOU WILL NOT BE LIABLE\nFOR UNAUTHORIZED USE THAT OCCURS AFTER YOU\nNOTIFY US OF THE LOSS, THEFT, DISPUTE OR POSSIBLE\nUNAUTHORIZED USE OF YOUR CARD (Contact in writing at\nCardholder Services, P.O. Box 183258, Columbus, OH 432183258; Visa\xc2\xae Platinum Card for Customer Service and to list\nas Lost or Stolen please call 1-866-952-8199; electronically\nat dispute.services@fiserv.com). In addition, unless you\nhave been grossly negligent or have engaged in fraud, you\nwill not be liable for any unauthorized transactions using\nyour lost or stolen Visa card. This additional limit on liability\ndoes not apply to ATM transactions outside of the U.S., to\nATM transactions not sent over Visa [or Plus] networks, or\nto transactions using your personal identification number\nwhich are not processed by Visa, at which time your liability\nwill not exceed $50.\n\n18. Termination: If you are a resident of Wisconsin, our\nreceipt of a written notice from your spouse terminating his\nor her liability for the Account will constitute an event of\ndefault if such termination materially impairs the condition,\nvalue or protection of our right to any collateral securing\nyour obligations under this Agreement or your ability to pay\nthe obligations due under this Agreement. You will remain\nresponsible for all amounts charged to your Account both\nbefore and after receipt of such notice. Your privilege of\nusing the Card and the Account shall expire on the date\nshown on the Card. You may terminate your Account\nrelationship with us at any time by surrendering to us all\nyour Cards and unused Convenience Checks, but you will\nremain liable to us for full payment of any balance on your\nAccount. We may revoke your Card at any time without prior\nnotification and without affecting your obligation to pay the\nAccount balance.\n\n16. Effect of Regulations: This agreement is the contract\nthat applies to all transactions on your Account even though\nthe sales, cash advances, or credit slips you sign may contain\ndifferent terms. We may amend this Agreement from time\nto time. If required by Section 422.415, Wis. Stats., we will\nprovide written notice of an amendment 90 days prior to\nthe date the amendment is effective. Your use of the Card or\nConvenience Check thereafter will indicate your agreement\nto the amendments. To the extent the law permits, and\nwe indicate in our notice, amendments will apply to your\nexisting Account balance as well as to future transactions.\nNo delay or omission in exercising any rights granted to us\nhereunder shall impair such rights or be construed to be a\nwaiver thereof. No waiver whatsoever shall be valid unless\nsigned in writing by us and then only to the extent set forth\ntherein.\n17. Fees and Charges: (a) As permitted by Wisconsin\nStatutes, a $25.00 late payment fee will be assessed against\nyour Account if we do not receive your minimum payment\non or before the due date set forth on your periodic\nstatement. (b) You will be charged a lost Card replacement\nfee of $6.00 for any lost Card which we must replace. To\nlimit your personal liability, contact us immediately upon\ndiscovery of loss. (c) You will be provided one periodic\nstatement per billing period and will be charged for each\nduplicate billing statement, draft, or machine receipt you\nrequest. Check our website, landmarkcu.com, or a fee\nschedule in any branch for the current fee. These fees will\nnot be charged if the request is related to a billing error\nunder the Fair Credit Billing Act. (d) There will be a $30.00\ncharge for each check presented in payment that is returned\n\n19. Change of Address: We will send all Account statements\nand any other notices concerning this Account to your address\nas shown in our records. If you change your address, you must\nnotify us of your new address within a reasonable time.\n20. Applicable State Laws: The validity, construction, and\nenforcement of this Agreement and all matters arising out\nof the issuance and use of the Card shall be governed by the\nlaws of Wisconsin.\n21. Joint Account: You agree that all parties to your\nAccount are authorized on your behalf to request Credit\nLine increases, to agree to amendments or modifications\nto the Account, to enter into settlements or agreements\nwith us regarding the Account, to request additional Cards,\nor to authorize others to transact business on the Account.\nYou agree to be jointly and severally liable for all charges to\nthe Account made or authorized by any other party to the\nAccount, whether or not such charges caused the Account\nbalance to exceed the Credit Limit.\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities\nunder 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:\nCardholder Services\nPO Box 183258\nColumbus OH 43218-3258\nOr, contact electronically at dispute.services@fiserv.com.\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\n\nyour bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your\nstatement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing or\nelectronically. You may call us, but if you do we are not\nrequired to investigate any potential errors and you may have\nto 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\nthat we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the bill\nis correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may\nhave the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based\non an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases 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.\n\nRewards Credit Card\nAgreement and Disclosure\n\nLANDMARK CREDIT UNION\n\n5445 S. Westridge Drive, P.O. Box 510870\nNew Berlin, WI 53151-0870\n(262) 796-4500, x6609\nIf your card is lost or stolen, notify us immediately:\nIn the U.S. call (866) 952-8199\nOutside the U.S. call (301) 945-9967\n\nIf all of the criteria above are met and you are still dissatisfied\nwith the purchase, contact us in writing at:\nCardholder Services\nPO Box 183258\nColumbus OH 43218-3258\nOr, contact electronically at dispute.services@fiserv.com.\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as\ndelinquent.\n\nAfter we finish our investigation, one of two things will\nhappen:\n1. If we made a mistake: You will not have to pay the\namount in question or any interest or other fees related to\nthat amount.\n2. If we do not believe there was a mistake: You will have\nto pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the\namount you owe and the date payment is due. We may\nthen 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\nwrong, you must write to us within 10 days telling us that\nyou still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those\norganizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to pay\nthe first $50 of the amount you question even if your bill is correct.\n\n\xc2\xae\n6.74 (Rewards 345)\n3/20\n\n1.5M\n3645047\n\n\x0cInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases and Balance Transfers\n\n0% APR for 6 months from the account opening date. After that your APR will be\n9.99%\nThis APR will vary with the market based upon the Prime Rate.\n\nAPR for Cash Advances\n\n12.99%\nThis APR will vary with the market based upon the Prime Rate.\n\nPenalty APR and\nWhen it Applies\n\n29.99%\n\nPaying Interest\n\nYour due date is at least 27 days after the close of each billing cycle. We will not charge you any interest on\npurchases if you pay your entire balance by the due date each month. We will begin charging interest on\ncash advances (and balance transfers?) on the transaction date.\n\nThis APR may be applied to your account if a minimum payment or portion thereof is past due by more\nthan 60 days.\nHow long will the Penalty APR apply? If your APRs are increased for the reason set forth here, the\nPenalty APR will apply until you make three consecutive minimum payments on time.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore\n\nFees\nAnnual Fees\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nNone\n\n\xe2\x80\xa2 Cash Advance\n\nGreater of $5.00 or 3% of the cash advance amount\n\n\xe2\x80\xa2 Foreign Transaction\n\n1% of the amount of the transaction\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\nUp to $25.00\n\n\xe2\x80\xa2 Over the Credit Limit\n\nNone\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $30.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases). See Section 7 of\nthe Account Agreement for more details.\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if a minimum payment or portion thereof is\npast due by more than 60 days.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided at the end of the\nAgreement.\n\nThis card is issued by Landmark Credit Union pursuant to a license from Visa\xc2\xae USA Inc.\nBalance transfers from a Landmark credit card may not be eligible. Maximum cash advance is 50% of credit limit.\n\nCredit Card Rules, Regulations, and Disclosures\nKeep This Notice for Future Use. This Agreement and\nDisclosure (\xe2\x80\x9cAgreement\xe2\x80\x9d) is effective as of March 2020. In\nthis Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and\nall of those who applied for or received, or who signed and\nused, the Card. The term \xe2\x80\x9cCard\xe2\x80\x9d means your Rewards Visa\xc2\xae\nPlatinum Card issued by Landmark Credit Union, pursuant to\na license from Visa\xc2\xae USA Inc., and any duplicates or renewals\nwe issue. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d means Landmark Credit Union.\n\xe2\x80\x9cAccount\xe2\x80\x9d means your Landmark Credit Union Rewards Visa\xc2\xae\nPlatinum Card account.\n1. Responsibility: If you apply for and receive a Card from\nus, you agree to this Agreement. You also agree to repay\nall debts and any Finance Charges or any other fees or\ncharges arising from use of the Cards and the Card account.\nFor example, you are responsible for any charges made by\nyourself and anyone else to whom you give the Card. This\nresponsibility continues until you recover and return the\nCard to us. Except to the extent permitted by law, you cannot\ndisclaim your responsibility for such charges by notifying us,\nand your responsibility continues even though an agreement,\ndivorce decree or other court judgment to which we are\nnot a party, may direct you or one of the other persons\nheld responsible under the Account to pay the Account.\nAny person using the Card shall be jointly responsible with\nyou for the charges made, and if that person signs the card,\nand receives a copy of this Agreement, he or she is also\nresponsible for all charges on the Account, including yours.\n2. Credit Line: We will establish a maximum credit limit for\nyour Account (\xe2\x80\x9cCredit Line\xe2\x80\x9d) and advise you of its amount.\nYou agree not to let the Account balance exceed the Credit\nLine, but you remain responsible for payment if it does.\nAny Account balance in excess of the Credit Line is payable\nimmediately. We reserve the right to reduce your Credit Line,\nfrom time to time, or to revoke your Card, without affecting\nyour obligation to pay all Account balances. Maximum cash\nadvance is 50% of your Credit Line. The Cards remain our\nproperty, and if we request, you must recover and surrender\nto us all Cards we issued on your Account.\n3. Use of the Card: To make a purchase or cash advance,\npresent the Card to an authorized plan member or financial\ninstitution and sign the sales or cash advance draft that\nwill be imprinted with your Card. You may also obtain a\ncash advance with the Card at certain automated terminals.\nRegular transactions are counted against your Credit Line.\nYou will receive a copy of the draft (or machine receipt at a\nterminal at which there is no attendant), which you should\nretain to verify your monthly statement. We reserve the right\nto make a reasonable charge for photostatic or duplicate\ncopies of drafts or machine receipts you may request. Your\nCard may not be used for any transaction that is illegal under\nFederal, State or local law. Also, your Card may not be used\nfor any Gambling including Internet Gambling.\n\n4. Convenience Checks: We may, from time to time, supply\nyou with personalized Convenience Checks that are subject\nto the following conditions. Only the person whose name is\nprinted on a Convenience Check may sign it. All Convenience\nChecks must be written in U.S. dollars. We will not certify a\nConvenience Check. We are entitled to return a Convenience\nCheck unpaid if there is not enough available Credit Line\non your Account to pay for it, if you are in default under\nthis Agreement, if your Card or Convenience Check has\nbeen reported lost or stolen, if your Convenience Check is\npostdated, if your right to use Convenience Checks has been\ncancelled or suspended, or if your Account has been closed.\nIn addition, we may refuse to honor a Convenience Check\nwhenever we would be entitled to dishonor an ordinary\ncheck. If we refuse, under the terms of these Regulations, to\nhonor a Convenience Check issued by you, we may charge\nyour Account a NSF fee. Check our website, landmarkcu.com,\nor a fee schedule in any branch for current fee. A\nConvenience Check cannot be used to make a payment on\nany Landmark Credit Union Visa\xc2\xae Account.\nAny Convenience Check that we pay will be posted to your\nAccount as a cash advance and will be subject to all the terms\nin this Agreement that apply to cash advances. We shall have\nno liability for any Convenience Check that we return because\nit was written for an amount in excess of your available Credit\nLine. Convenience Checks that you use and we pay will not\nbe returned to you but will be identified on your monthly\nbilling statement. The Wisconsin Uniform Commercial Code,\nas well as applicable Landmark Credit Union policies and\nfees, will apply to Convenience Checks as if they were checks\ndrawn on a checking Account.\n5. Introductory Annual Percentage Rate and Monthly\nPeriodic Rate: Your introductory rate is 0%. This rate applies\nfor the first six billing periods (the \xe2\x80\x9cIntroductory Rate Period\xe2\x80\x9d),\nunless terminated in the event of delinquency. After the\nIntroductory Rate Period ends, your Monthly Periodic Rate\nand corresponding Annual Percentage Rate may vary as\ndescribed in Section 8.\n6. Rewards Program: Earn 1 point for every dollar\nin purchases, which can be redeemed for gift cards,\nmerchandise and travel. You may check available points and\nredeem points within your Landmark Credit Union Online or\nMobile Banking account.\nRestrictions on Rewards. Rewards points are based on\nqualifying net purchases. Rewards are not available: 1) on cash\nadvances and Convenience Checks, 2) on any purchases that\nexceed your available credit limit, 3) on any business purpose\npurchases, 4) upon your Account being closed for any reason,\n5) past due or charged off accounts, 6) fraudulent charges, 7)\ncredit of any kind including returns, 8) balance transfers. We\nreserve the right to discontinue providing you with Rewards\nif you use your Card for other than consumer or personal\n\npurposes. We reserve the right to cancel this Rewards program\nat any time.\n7. Finance Charge: Starting the first billing period after\nexpiration of the Introductory Rate, your Account will be\nsubject to a Finance Charge during any billing period during\nwhich you (a) received, or had outstanding, a cash advance;\nor (b) failed to pay in full the previous balance shown on\nthe statement during the first 27 days of the statement (the\n\xe2\x80\x9cGrace Period\xe2\x80\x9d).\nYour Landmark Rewards Visa\xc2\xae Platinum card Finance Charge is\ncalculated by applying the Monthly Periodic Rate, determined\nas set forth in Section 8 of this Agreement, to the \xe2\x80\x9caverage\ndaily balance\xe2\x80\x9d of your Account. To get the \xe2\x80\x9caverage daily\nbalance,\xe2\x80\x9d we take the beginning balance of the Account\neach day, reduced by any payment you make, credits we\napply, and any late payment fee due, and increased by any\ncash advances and, if the previous balance was not paid in\nfull during the Grace Period, all new credit purchases posted\nthrough that date. This gives us the daily balance. Then we\nadd all the daily balances for the billing period together and\ndivide the total by the number of days in the billing period.\nThis gives us the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d All accounts are\nsubject to a Minimum Finance Charge of $1.00.\nYou can avoid incurring a Finance Charge on purchases\nby paying the New Balance in full within the Grace Period.\nHowever, a Finance Charge will be imposed on cash advances\nfrom the date made (on Convenience Checks from the date\ncleared), and will continue to accrue on any cash advances\nor Convenience Checks until your payment is received. If\na minimum payment or any portion thereof is past due by\nmore than 60 days, your Monthly Periodic Rate will increase\nto 2.499% (Annual Percentage Rate of 29.99%). This Penalty\nRate will be effective following any notice and waiting period\nrequired by law. Your Monthly Periodic Rate of 2.499%\n(Annual Percentage Rate of 29.99%) will remain on your\nAccount until your Account has been paid on time and with\nno other event of default for three (3) consecutive billing\nperiods after application of the Penalty Rate, at which point\nit will return to the Variable Rate determined as set forth in\nSection 8 of this Agreement.\n8. Variable Rate: Your Monthly Periodic Rate and\ncorresponding Annual Percentage Rate may vary. Effective\nMarch 1, 2020, your Annual Percentage Rate is determined by\nadding a margin of 6.74% to the Prime Rate published in the\nWall Street Journal. Effective Prime Rate for your interest rate\ncalculation will be identified on the 10th day of each month\nor the last date of publishing, if not published on the 10th. If\nPrime Rate has changed, your interest rate will also change\neffective the 1st day of the following calendar month and\nthe new rate will apply to any outstanding balance as well as\nfuture balance increases. Any promotional or penalty APR that\napplies to your card will not be affected by this change.\n\n9. Monthly Payment: Unless there has been no activity on\nyour Account since your last statement and your Account\nshows a zero balance, we will mail you a statement for every\nbilling period, showing your previous balance, the current\ntransactions on your Account, the remaining credit available\nunder your Credit Line, the applicable Monthly Periodic\nRate, the fees and Finance Charge, the new balance, and\nthe minimum payment due. Every billing period you must\npay at least the minimum payment by its due date. You may\npay more than the minimum or pay the new balance in full,\nwhich may reduce or avoid the Finance Charge. The minimum\npayment will be 2.0% of your new balance, or $25.00,\nwhichever is greater, or your full new balance if it is less than\n$25.00. We will apply your payment first to the finance charge\nand fees then to your unpaid balance in the order transactions\nwere posted to your Account. If a different Annual Percentage\nRate applies to different balances, any payment above the\nminimum payment will be applied to the balance bearing\nthe highest Annual Percentage Rate. A minimum payment is\nrequired for every billing period and any additional amount\npaid will reduce your balance but will not prepay any future\nminimum payment.\n10. Default: You will be in default if (i) your violation of\nany requirement of this Agreement materially impairs the\ncondition, value or protection of our right to any collateral\nsecuring your obligations under this Agreement or your ability\nto pay the obligations due under this Agreement; or (ii) you fail\nto make the minimum payment on or before the due date two\ntimes during any 12-month period. You will also be in default if\nyour ability to repay us or the value or protection of our right in\nany collateral securing your obligations is materially impaired\nin the event you or your spouse die, change marital status,\nchange marital domicile, or become the subject of bankruptcy\nor insolvency proceedings. If you are in default, we have a right\nto demand immediate payment of the full balance, exercise\nour right to offset and/or commence legal action to recover\ncollateral or reduce the claim to a judgment after complying\nwith all notice requirements as mandated by law.\n11. Security Interest: Each purchase and cash advance\nthrough your Account constitutes a transaction pursuant to an\nopen-end credit plan in the State of Wisconsin. You agree that\nthe Wisconsin Consumer Act applies to all these transactions\neven though you may use them for business purposes or you\nare a person not otherwise governed by the Act. To secure\neach transaction, you grant us a purchase-money security\ninterest under the Uniform Commercial Code in any goods you\npurchase with it. If you default, we will have the right to recover\nany of these goods, which have not been paid for in full.\nFor purposes of determining the amount of the unpaid balance\nsecured by our security interest, your payments will be deemed\nto have been applied first to payment of finance charges in\norder of their entry to the account and then to payment of the\nrespective amounts financed in the order in which the entries\nwere made and, for transactions made on the same day, the\nsmallest shall be deemed the first paid. By using your card\n\n\x0c'