b'PLATINUM VISA CREDIT CARD AGREEMENT AND\nTRUTH-IN-LENDING DISCLOSURE STATEMENT\nINTEREST RATES AND OTHER CHARGES\nAnnual Percentage Rate\n(APR) for Purchases\nAPR for Balance Transfers\n9.9%\nAPR for Cash Advances\n9.9%\nPaying Interest\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due\ndate each month. We will begin charging interest on cash advances and balance\ntransfers on the transaction date.\nMinimum Interest Charge\nNone\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a credit\nConsumer Financial Protection\ncard, visit the website of the Consumer Financial Protection Bureau at\nBureau\nwww.CONSUMERFINANCE.GOV/LEARNMORE.\n\n9.9%\n\nFEES\nSet-up and Maintenance Fees\nAnnual Membership\nCard Replacement\nPIN Replacement\nTransaction Fees\nForeign Transaction\nPenalty Fees\nLate Payment\nReturned Payment Charge\nOver-the-Credit Limit\nOther Fees\nStatement Copy\nDraft Copy\n\nNone\n$5\n$5\n1% of each foreign purchase transaction in U.S. dollars.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\n(including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those\nrights is provided below in Additional Disclosures Required by Federal Law.\nAdditional Disclosures Required by Federal Law\nFINANCE CHARGES: In order to avoid a FINANCE CHARGE on purchases made since\nyour last statement date, you must pay the "Total New Balance" shown on your most recent\nmonthly statement on or before the "Payment Due Date" shown on that statement (which\nwill not be less than 25 days from the "Statement Date"). Otherwise the finance charge on\npurchases is calculated on the next statement period on previously billed but unpaid\npurchases and on new purchases from the date they are posted to your account. Balance\ntransfers and cash advances are always subject to a finance charge from the date they are\nposted to your account. You can always keep the FINANCE CHARGES to a minimum by\nmaking payments, whatever the amount, as promptly and as often as possible. Your\nperiodic rate (for purchase, cash advance and balance transfers) is 0.826%, which\ncorresponds to an ANNUAL PERCENTAGE RATE of 9.9%. The FINANCE CHARGES are\ncalculated by applying the above periodic (monthly) rate to the \xe2\x80\x9caverage daily principal\nbalance\xe2\x80\x9d (including new purchases) of your account. An average daily pri\nncipal balance is\ncalculated separately for purchase and balance transfer/cash advance transactions, and is\ndetermined as follows: For each day during the statement period (billing cycle) the principal\nbalances of purchases and of balance transfers/cash advances from the previous day are\nincreased by any purchases or balance transfers/cash advances posted to the Account that\nday and decreased by any payments or credits posted to the Account that day. This gives\nus the daily balance. Such daily principal balances are separately totaled and then divided\nby the total number of days in the billing cycle resulting in the \xe2\x80\x9caverage daily principal\nbalances\xe2\x80\x9d of purchases and cash advances (which includes balance transfers) shown on\nyour statement.\nYOUR BILLING RIGHTS: Keep this Document for Future Use\nThis notice informs you about your rights and responsibilities under the Fair Credit\nBilling Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at: Educational Community\nCredit Union ATTN: CREDIT CARD DEPARTMENT, 1551 South 9th Street, Kalamazoo,\nMI 49009.\nIn your letter, give us your name and account number, the dollar amount of the suspected\nerror, and what you believe is wrong and why you believe it is a mistake.\nYou must contact us within 60 days after the error appeared on your statement and at\nleast three business days before an automated payment is scheduled, if you want to stop\n\nUp to $25\n$25 per item\nNone\n$2\n$5\npayment on the amount you think is wrong. You must notify us of any potential errors in\nwriting. If you call us, we are not required to investigate any potential errors and you may\nbe required to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days after receiving your letter, we must tell you that we received your letter.\nWe 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 explain to you\nwhy we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\nWe cannot try to collect the amount in question, or report you as delinquent on that\namount.\nThe charge in question may remain on your statement, and we may continue to charge\nyou interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or\nother fees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question,\nalong with applicable interest and fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you as delinquent if you do not pay\nthe amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within\n10 days telling us that you still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the\namount in question, even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit\ncard and you have tried in good faith to correct the problem with the merchant, you may\nhave the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your\ncurrent mailing address, and the purchase price must have been more than $50. (Note:\n\n\x0cNeither of these are necessary if your purchase was based on an advertisement we mailed\nto you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your credit card account do not\nqualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us\nin writing at: Educational Community Credit Union, ATTN: CREDIT CARD DEPARTMENT,\n1551 South 9th Street, Kalamazoo, MI 49009.\nWhile we investigate, the same rules apply to the disputed amount as discussed above.\nAfter we finish our investigation, we 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 delinquent.\nPlatinum VISA Card Agreement\nIn this Platinum VISA Card Agreement (called the \xe2\x80\x9cAgreement\xe2\x80\x9d), the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d\nmean or refer to each and all persons who have applied for the Card or Cards by signing\nthis Agreement. \xe2\x80\x9cCard\xe2\x80\x9d means the Platinum Credit Card or Cards and any duplicates and\nrenewals thereof or substitutions thereof we may issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your\nPlatinum\nVisa Credit Card line of credit loan account with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means or refers to\nthis Credit Union. This Agreement is a Truth-in-Lending Disclosure Statement as well as a\ncontract.\n1. Responsibility \xe2\x80\x94 By signing the Application that corresponds to and is incorporated into\nthis Agreement, you applied to us for a Platinum Visa Credit Card Line of Credit Loan. If we\napprove the loan and issue you a Card, you promise to repay all debts and the finance\ncharges thereon arising from any authorized use of the Card. You agree not to let anyone\nelse use the Card, other than the person(s) that you have designated in writing to us as an\n\xe2\x80\x9cauthorized user.\xe2\x80\x9d You are agreeing with us that you authorize any and all uses such\nauthorized user makes of the Card, whether or not such use was within the authority (actual,\napparent or implied) that you gave that person in connection with the Card or otherwise.\nTherefore, you will be liable for all such use of the Card. Of course, once you notify us, we\nwill take prompt steps to try to prevent any further Card use by that person. If this\nAgreement is signed by two persons, the Account is joint; that is, each of you, separately\nand jointly with each other, is liable for all debts on the Account and FINANCE CHARGES\nthereon. Your obligation to pay all such debts and FINANCE CHARGES thereon continues\neven though an agreement, divorce decree or other court judgment to which we are not a\nparty may direct that only one of you, or some person other than you (or both of you), must\npay such debts and FINANCE CHARGES.\n2. Credit Line \xe2\x80\x94 We have established a self-replenishing line of credit for you and will\nnotify you of the amount thereof (\xe2\x80\x9ccredit limit\xe2\x80\x9d) in the mailer in which we send your Card.\nThat mailer is hereby incorporated herein as part of this Agreement. You agree not to let\nyour Account Balance exceed such amount. Each payment you make on the Account will\nreplenish your credit limit by the part of that payment which is applied to principal. You may\nrequest an increase in the credit limit by a written application, which must be approved by\nus. We may increase or decrease the limit from time to time or may, with good cause,\nrevoke your Card and terminate this Agreement; in either event, we will give you written\nnotice of such action. \xe2\x80\x9cGood Cause\xe2\x80\x9d includes your failure to satisfy the terms of this\nAgreement or our adverse reevaluation of your credit worthiness. You may terminate this\nAgreement, at any time and for any reason, by giving us written notice. Nevertheless,\ntermination by you or by us does not affect your obligation to pay all debts and FINANCE\nCHARGES thereon arising from authorized use of your Card. The Cards remain our\nproperty and you must recover and surrender to us all Cards upon our request or upon\ntermination of this Agreement.\n3. Using the Card \xe2\x80\x94 Immediately upon receipt of your card(s), each must be signed (in the\nspace provided on the back) by the person whose name is embossed thereon. That\nsignature must be in the same form as embossed on the front of the Card. To make a\npurchase or Cash Advance, present the Card to a participating Visa plan merchant or\nfinancial institution, or to us, and sign the sales draft or cash advance draft which will be\nimprinted with your Card. Please note that we are not responsible if a particular Visa plan\nmerchant or financial institution refuses to honor your Card. You will receive a copy of any\ndraft you sign when using the Card which you should retain to verify your monthly\nstatement. We will upon request furnish you with a copy of a draft at a charge of $5.00 per\ncopy; however, no charge will be made in cases covered by Sec. 226.13 (f) (2) of the\nregulation (i.e., Regulation Z) issued under the Truth-in-Lending Act. You agree not to make\nor permit to be made any illegal transactions on your Account through use of a Card, a\ncheck, or in any other manner. We may deny authorization for any Internet gambling\ntransaction.\n4. Monthly Payment \xe2\x80\x94 We will mail you a statement every month showing your Previous\nBalance of purchases and cash advances, the current transactions on your Account, the\nremaining credit available under your Credit Line, the New Balance of purchases and cash\nadvances, the Total New Balance, the FINANCE CHARGES due to date, and the Minimum\nPayment required. Every month you must pay the Minimum Payment within 25 days of your\nstatement closing date. You may; of course, pay more frequently, pay more than the\nMinimum Payment, or pay the Total New Balance in full; and you will reduce your FINANCE\nCHARGES by doing so. The Minimum Payment will be either (a) 1.5% of your Total New\nBalance, or $10.00, whichever is greater; or (b) your Total New Balance, if it is less than\n$10.00 plus (c) any portion of the Minimum Payment(s) shown on prior statement(s) which\nremains unpaid. In addition, at any time your Total New Balance exceeds your Credit Line,\nyou must immediately pay the excess upon our demand. We will apply your payments first\nto previously billed and unpaid FINANCE CHARGES on purchases; then to previously billed\nand unpaid FINANCE CHARGES on cash advances; then to previously billed purchases;\nthen to cash advances; and then to new purchases, whether or not billed on the monthly\nstatement. However, any payment equal to, or greater than, the Previous Balance of\nPurchases will be applied first to that balance and any FINANCE CHARGES thereon so as\nto avoid continuing accrual of FINANCE CHARGES on that amount.\n5. Finance Charges \xe2\x80\x93 The way we calculate FINANCE CHARGES, including your periodic\nrate and corresponding ANNUAL PERCENTAGE RATE, are disclosed above in the\nAdditional Disclosures Required by Federal Law. The FINANCE CHARGES hereunder may\nbe increased pursuant to paragraph 9 on the reverse side, if you engage in foreign\ntransactions.\nRev. 10/15\n\n6. Other Charges \xe2\x80\x94 If the required minimum payment due under this Agreement is not\npaid within 10 days after the payment due date, you agree to pay the Credit Union a LATE\nCHARGE of $25, unless the minimum monthly payment amount is less than $25, in which\ncase the late charge will be equal to the minimum monthly payment.\nYour Account may be subject to other charges, which you agree to pay, including a fee of\n$5 for the replacement of card(s), a $2 fee per copy of statements, $5 for a Personal\nIdentification Number (PIN) replacement, and a $5 fee for a copy of a sales draft (see\nSection 3 for an exception to that fee). You also agree to pay a charge in the amount of $25\nfor any check made payable to your Account and returned due to non-sufficient funds.\n7. Credits \xe2\x80\x94 If merchants who honor your Card give you a credit for returns or adjustments,\nthey will do so by posting a credit to your Account. You should keep your copy of the credit\nslip to verify your monthly statement. If your credits and payments exceed what you owe us\non the Account, we will credit such excess to your savings account or we will refund it upon\nrequest.\n8. Waiver of Security \xe2\x80\x94 Regardless of anything contained in any other loan document you\nhave previously signed, we hereby expressly waive any security interest, or pledge of\nshares or deposits, as security for balances owing on this Account.\n9. Foreign Transactions \xe2\x80\x94 Purchases and Cash Advances you make in foreign countries\nand foreign currency will be billed to you in U.S. dollars. The conversion to U.S. dollars will\nbe calculated based on a government-mandated rate in effect one day prior to the\nProcessing Date increased by one percent.\n10. Loss or Theft of Card \xe2\x80\x94 You agree to notify us immediately upon discovering that your\nCard has been lost or stolen. Call 1-800-325-3678.\n11. Liability for Unauthorized Use \xe2\x80\x94 In most cases, you will not be liable for any\nunauthorized transaction resulting from the loss, theft or other unauthorized use of your\nCard, unless it is determined that you were grossly negligent or fraudulent in the handling of\nthe Card. In any case, your liability will not exceed $50.\n12. Default \xe2\x80\x94 The Minimum Payment shown on the statement is due by the payment due\ndate as shown on the statement. You will be in default if you fail to make the minimum\npayment by the statement payment due date. You will also be in default if (a) you breach\nany other conditions of the Agreement, (b) if we determine that your creditworthiness (which\nincludes your ability to repay us) has become unsatisfactory due to change in employment,\nincrease in your other obligations, or any other reason, (c) if your Account balance exceeds\nyour credit limit, or (d) in the event of your death. In the event of any default or in the event\nthis Agreement is terminated by you or by us for any reason, the entire balance on the\nAccount becomes due and payable forthwith. You also agree that, in case of default, you\nwill pay all usual and customary costs of collection permitted by law, including, but not\nlimited to, attorney fees and expenses incurred by us in the enforcement of this Agreement.\n13. Credit Information \xe2\x80\x94 You authorize us to investigate your credit standing when\nopening, renewing or reviewing your Account, and you authorize us to disclose information\nregarding our experience with you under this Agreement to credit bureaus and other\ncreditors.\n14. Effect of Agreement \xe2\x80\x94 This Agreement contains our complete contract relating to the\nAccount and applies to every transaction relating to the Account even though a sales,\nbalance transfer or cash advance draft you sign or a credit slip may contain different terms.\n15. Amendment of Agreement \xe2\x80\x94 From time to time, we may amend this Agreement by\ngiving you written notice of the amendment at least 45 days before it goes into effect, unless\na shorter notice period is permitted by law. The notice will be sent to your last known\naddress appearing in our records when it is sent, and will state the date upon which the\namendment will become effective. Except where prohibited by law, all such changes will\napply to new transactions and to amounts you already owe, unless you provide notice of\nyour election to terminate the account and surrender your card(s) on or before the effective\ndate of the changes, in which case you will be entitled to repay your balance in accordance\nwith the terms and conditions in effect at that time.\n16. Cash Advance by Machine \xe2\x80\x94 We will furnish you with a Personal Identification\nNumber (PIN). If Automated Teller Machines (ATMs) or other electronic devices are\navailable while this Agreement remains in effect which make it possible for you to obtain a\nCash Advance by use of your Card in such a machine, your use of that number, together\nwith your Card, in getting a Cash Advance from such a machine is agreed to constitute your\nsignature for purposes of such Cash Advance.\n17. Personal Identification Number (PIN) \xe2\x80\x93 Upon request, we will furnish you with a\nPersonal Identification Number (PIN). You agree to keep your PIN confidential. You also\nagree you won\xe2\x80\x99t write the PIN o n the Card or anything you keep with the Card. Your use of\nthe PIN and Card in getting a Cash Advance or making a purchase is agreed to constitute\nyour signature for purposes of such transactions. You can also use your card, together with\nyour PIN, to get a Cash Advance from an Automated Teller Machine (ATM) in the Visa\nNetwork, to get a Cash Advance from a Visa financial institution or to make a purchase from\na merchant that uses the Card in an electronic terminal that accesses the Visa system.\n18. Credit Union Membership \xe2\x80\x93 You understand and agree that the closing of your Credit\nUnion Share Savings Account terminates your status as a member of the Credit Union, and\nupon such closing, you can no longer obtain credit with the Credit Union Platinum Visa\nCard.\n\n\x0c'


b'CLASSIC VISA CREDIT CARD AGREEMENT AND\nTRUTH-IN-LENDING DISCLOSURE STATEMENT\nINTEREST RATES AND OTHER CHARGES\nAnnual Percentage Rate\n(APR) for Purchases\nAPR for Balance Transfers\n12.96%\nAPR for Cash Advances\n12.96%\nPaying Interest\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due\ndate each month. We will begin charging interest on cash advances and balance\ntransfers on the transaction date.\nMinimum Interest Charge\nNone\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a credit\nConsumer Financial Protection\ncard, visit the website of the Consumer Financial Protection Bureau at\nBureau\nwww.CONSUMERFINANCE.GOV/LEARNMORE.\n\n12.96%\n\nFEES\nSet-up and Maintenance Fees\nAnnual Membership\nCard Replacement\nPIN Replacement\nTransaction Fees\nForeign Transaction\nPenalty Fees\nLate Payment\nReturned Payment Charge\nOver-the-Credit Limit\nOther Fees\nStatement Copy\nDraft Copy\n\nNone\n$5\n$5\n1% of each foreign purchase transaction in U.S. dollars.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\n(including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those\nrights is provided below in Additional Disclosures Required by Federal Law.\nAdditional Disclosures Required by Federal Law\nFINANCE CHARGES: In order to avoid a FINANCE CHARGE on purchases made since your\nlast statement date, you must pay the "Total New Balance" shown on your most recent monthly\nstatement on or before the "Payment Due Date" shown on that statement (which will not be\nless than 25 days from the "Statement Date"). Otherwise the finance charge on purchases is\ncalculated on the next statement period on previously billed but unpaid purchases and on new\npurchases from the date they are posted to your account. Balance transfers and cash\nadvances are always subject to a finance charge from the date they are posted to your\naccount. You can always keep the FINANCE CHARGES to a minimum by making payments,\nwhatever the amount, as promptly and as often as possible. Your periodic rate (for purchase,\ncash advance and balance transfers) is 1.08%, which corresponds to an ANNUAL\nPERCENTAGE RATE of 12.96%. The FINANCE CHARGES are calculated by applying the\nabove periodic (monthly) rate to the \xe2\x80\x9caverage daily principal balance\xe2\x80\x9d (including new\npurchases) of your account. An average daily principal balance is calculated separately for\npurchase and balance transfer/cash advance transactions, and is determined as follows: For\neach day during the statement period (billing cycle) the principal balances of purchases and of\nbalance transfers/cash advances from the previous day are increased by any purchases or\nbalance transfers/cash advances posted to the Account that day and decreased by any\npayments or credits posted to the Account that day. This gives us the daily balance. Such daily\nprincipal balances are separately totaled and then divided by the total number of days in the\nbilling cycle resulting in the \xe2\x80\x9caverage daily principal balances \xe2\x80\x9d of purchases and cash advances\n(which includes balance transfers) shown on your statement.\nYOUR BILLING RIGHTS: Keep this Document for Future Use\nThis notice informs you about your rights and responsibilities under the Fair Credit\nBilling Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at: Educational Community Credit\nUnion ATTN: CREDIT CARD DEPARTMENT, 1551 South 9th Street, Kalamazoo, MI 49009.\nIn your letter, give us your name and account number, the dollar amount of the suspected\nerror, and what you believe is wrong and why you believe it is a mistake.\n\nUp to $25\n$25 per item\nNone\n$2\n$5\nYou must contact us within 60 days after the error appeared on your statement and at least\nthree business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong. You must notify us of any potential errors in\nwriting. If you call us, we are not required to investigate any potential errors and you may\nbe required to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days after receiving your letter, we must tell you that we received your letter.\nWe 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 explain to you\nwhy we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\nWe cannot try to collect the amount in question, or report you as delinquent on that\namount.\nThe charge in question may remain on your statement, and we may continue to charge\nyou interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or\nother fees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question,\nalong with applicable interest and fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you as delinquent if you do not pay\nthe amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within\n10 days telling us that you still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the\namount in question, even if your bill is correct.\n\n\x0cYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card\nand you have tried in good faith to correct the problem with the merchant, you may have the\nright not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an advertisement we mailed to you, or if\nwe own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in\nwriting at: Educational Community Credit Union, ATTN: CREDIT CARD DEPARTMENT, 1551\nSouth 9th Street, Kalamazoo, MI 49009.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After\nwe finish our investigation, we will tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\nClassic VISA Card Agreement\nIn this Classic VISA Card Agreement (called the \xe2\x80\x9cAgreement\xe2\x80\x9d), the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d\nmean or refer to each and all persons who have applied for the Card or Cards by signing this\nAgreement. \xe2\x80\x9cCard\xe2\x80\x9d means the Classic Credit Card or Cards and any duplicates and renewals\nthereof or substitutions thereof we may issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your\nClassic Visa Credit Card\nline of credit loan account with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means or refers to this Credit Union.\nThis Agreement is a Truth-in-Lending Disclosure Statement as well as a contract.\n1. Responsibility \xe2\x80\x94 By signing the Application that corresponds to and is incorporated into\nthis Agreement, you applied to us for a Classic Visa Credit Card Line of Credit Loan. If we\napprove the loan and issue you a Card, you promise to repay all debts and the finance charges\nthereon arising from any authorized use of the Card. You agree not to let anyone else use the\nCard, other than the person(s) that you have designated in writing to us as an \xe2\x80\x9cauthorized\nuser.\xe2\x80\x9d You are agreeing with us that you authorize any and all uses such authorized user\nmakes of the Card, whether or not such use was within the authority (actual, apparent or\nimplied) that you gave that person in connection with the Card or otherwise. Therefore, you will\nbe liable for all such use of the Card. Of course, once you notify us, we will take prompt steps\nto try to prevent any further Card use by that person. If this Agreement is signed by two\npersons, the Account is joint; that is, each of you, separately and jointly with each other, is\nliable for all debts on the Account and FINANCE CHARGES thereon. Your obligation to pay all\nsuch debts and FINANCE CHARGES thereon continues even though an agreement, divorce\ndecree or other court judgment to which we are not a party may direct that only one of you, or\nsome person other than you (or both of you), must pay such debts and FINANCE CHARGES.\n2. Credit Line \xe2\x80\x94 We have established a self-replenishing line of credit for you and will notify\nyou of the amount thereof (\xe2\x80\x9ccredit limit\xe2\x80\x9d) in the mailer in which we send your Card. That mailer\nis hereby incorporated herein as part of this Agreement. You agree not to let your Account\nBalance exceed such amount. Each payment you make on the Account will replenish your\ncredit limit by the part of that payment which is applied to principal. You may request an\nincrease in the credit limit by a written application, which must be approved by us. We may\nincrease or decrease the limit from time to time or may, with good cause, revoke your Card and\nterminate this Agreement; in either event, we will give you written notice of such action. \xe2\x80\x9cG\nood\nCause\xe2\x80\x9d includes your failure to satisfy the terms of this Agreement or our adverse reevaluat\nion\nof your credit worthiness. You may terminate this Agreement, at any time and for any reason,\nby giving us written notice. Nevertheless, termination by you or by us does not affect your\nobligation to pay all debts and FINANCE CHARGES thereon arising from authorized use of\nyour Card. The Cards remain our property and you must recover and surrender to us all Cards\nupon our request or upon termination of this Agreement.\n3. Using the Card \xe2\x80\x94 Immediately upon receipt of your card(s), each must be signed (in the\nspace provided on the back) by the person whose name is embossed thereon. That signature\nmust be in the same form as embossed on the front of the Card. To make a purchase or Cash\nAdvance, present the Card to a participating Visa plan merchant or financial institution, or to us,\nand sign the sales draft or cash advance draft which will be imprinted with your Card. Please\nnote that we are not responsible if a particular Visa plan merchant or financial institution\nrefuses to honor your Card. You will receive a copy of any draft you sign when using the Card\nwhich you should retain to verify your monthly statement. We will upon request furnish you with\na copy of a draft at a charge of $5.00 per copy; however, no charge will be made in cases\ncovered by Sec. 226.13 (f) (2) of the regulation (i.e., Regulation Z) issued under the Truth-inLending Act. You agree not to make or permit to be made any illegal transactions on your\nAccount through use of a Card, a check, or in any other manner. We may deny authorization\nfor any Internet gambling transaction.\n4. Monthly Payment \xe2\x80\x94 We will mail you a statement every month showing your Previous\nBalance of purchases and cash advances, the current transactions on your Account, the\nremaining credit available under your Credit Line, the New Balance of purchases and cash\nadvances, the Total New Balance, the FINANCE CHARGES due to date, and the Minimum\nPayment required. Every month you must pay the Minimum Payment within 25 days of your\nstatement closing date. You may; of course, pay more frequently, pay more than the Minimum\nPayment, or pay the Total New Balance in full; and you will reduce your FINANCE CHARGES\nby doing so. The Minimum Payment will be either (a) 1.5% of your Total New Balance, or $10.00,\nwhichever is greater; or (b) your Total New Balance, if it is less than $10.00 plus (c) any portion\nof the Minimum Payment(s) shown on prior statement(s) which remains unpaid. In addition, at\nany time your Total New Balance exceeds your Credit Line, you must immediately pay the\nexcess upon our demand. We will apply your payments first to previously billed and unpaid\nFINANCE CHARGES on purchases; then to previously billed and unpaid FINANCE CHARGES\non cash advances; then to previously billed purchases; then to cash advances; and then to new\npurchases, whether or not billed on the monthly statement. However, any payment equal to, or\ngreater than, the Previous Balance of Purchases will be applied first to that balance and any\nRev. 2/16\n\nFINANCE CHARGES thereon so as to avoid continuing accrual of FINANCE CHARGES on\nthat amount.\n5. Finance Charges \xe2\x80\x93 The way we calculate FINANCE CHARGES, including your periodic\nrate and corresponding ANNUAL PERCENTAGE RATE, are disclosed above in the\nAdditional Disclosures Required by Federal Law. The FINANCE CHARGES hereunder may\nbe increased pursuant to paragraph 9 on the reverse side, if you engage in foreign\ntransactions.\n6. Other Charges \xe2\x80\x94 If the required minimum payment due under this Agreement is not paid\nwithin 10 days after the payment due date, you agree to pay the Credit Union a LATE\nCHARGE of $25, unless the minimum monthly payment amount is less than $25, in which\ncase the late charge will be equal to the minimum monthly payment.\nYour Account may be subject to other charges, which you agree to pay, including a fee of $5\nfor the replacement of card(s), a $2 fee per copy of statements, $5 for a Personal\nIdentification Number (PIN) replacement, and a $5 fee for a copy of a sales draft (see Section\n3 for an exception to that fee). You also agree to pay a charge in the amount of $25 for any\ncheck made payable to your Account and returned due to non-sufficient funds.\n7. Credits \xe2\x80\x94 If merchants who honor your Card give you a credit for returns or adjustments,\nthey will do so by posting a credit to your Account. You should keep your copy of the credit\nslip to verify your monthly statement. If your credits and payments exceed what you owe us\non the Account, we will credit such excess to your savings account or we will refund it upon\nrequest.\n8. Waiver of Security \xe2\x80\x94 Regardless of anything contained in any other loan document you\nhave previously signed, we hereby expressly waive any security interest, or pledge of shares\nor deposits, as security for balances owing on this Account.\n9. Foreign Transactions \xe2\x80\x94 Purchases and Cash Advances you make in foreign countries\nand foreign currency will be billed to you in U.S. dollars. The conversion to U.S. dollars will be\ncalculated based on a government-mandated rate in effect one day prior to the Processing\nDate increased by one percent.\n10. Loss or Theft of Card \xe2\x80\x94 You agree to notify us immediately upon discovering that your\nCard has been lost or stolen. Call 1-800-325-3678.\n11. Liability for Unauthorized Use \xe2\x80\x94 In most cases, you will not be liable for any\nunauthorized transaction resulting from the loss, theft or other unauthorized use of your Card,\nunless it is determined that you were grossly negligent or fraudulent in the handling of the\nCard. In any case, your liability will not exceed $50.\n12. Default \xe2\x80\x94 The Minimum Payment shown on the statement is due by the payment due\ndate as shown on the statement. You will be in default if you fail to make the minimum\npayment by the statement payment due date. You will also be in default if (a) you breach any\nother conditions of the Agreement, (b) if we determine that your creditworthiness (which\nincludes your ability to repay us) has become unsatisfactory due to change in employment,\nincrease in your other obligations, or any other reason, (c) if your Account balance exceeds\nyour credit limit, or (d) in the event of your death. In the event of any default or in the event\nthis Agreement is terminated by you or by us for any reason, the entire balance on the\nAccount becomes due and payable forthwith. You also agree that, in case of default, you will\npay all usual and customary costs of collection permitted by law, including, but not limited to,\nattorney fees and expenses incurred by us in the enforcement of this Agreement.\n13. Credit Information \xe2\x80\x94 You authorize us to investigate your credit standing when opening,\nrenewing or reviewing your Account, and you authorize us to disclose information regarding\nour experience with you under this Agreement to credit bureaus and other creditors.\n14. Effect of Agreement \xe2\x80\x94 This Agreement contains our complete contract relating to the\nAccount and applies to every transaction relating to the Account even though a sales, balance\ntransfer or cash advance draft you sign or a credit slip may contain different terms.\n15. Amendment of Agreement \xe2\x80\x94 From time to time, we may amend this Agreement by\ngiving you written notice of the amendment at least 45 days before it goes into effect, unless a\nshorter notice period is permitted by law. The notice will be sent to your last known address\nappearing in our records when it is sent, and will state the date upon which the amendment\nwill become effective. Except where prohibited by law, all such changes will apply to new\ntransactions and to amounts you already owe, unless you provide notice of your election to\nterminate the account and surrender your card(s) on or before the effective date of the\nchanges, in which case you will be entitled to repay your balance in accordance with the\nterms and conditions in effect at that time.\n16. Cash Advance by Machine \xe2\x80\x94 We will furnish you with a Personal Identification Number\n(PIN). If Automated Teller Machines (ATMs) or other electronic devices are available while\nthis Agreement remains in effect which make it possible for you to obtain a Cash Advance by\nuse of your Card in such a machine, your use of that number, together with your Card, in\ngetting a Cash Advance from such a machine is agreed to constitute your signature for\npurposes of such Cash Advance.\n17. Personal Identification Number (PIN) \xe2\x80\x93 Upon request, we will furnish you with a\nPersonal Identification Number (PIN). You agree to keep your PIN confidential. You also\nagree you won\xe2\x80\x99t write the PIN on the Card or anything you\nkeep with the Card. Your use of\nthe PIN and Card in getting a Cash Advance or making a purchase is agreed to constitute\nyour signature for purposes of such transactions. You can also use your card, together with\nyour PIN, to get a Cash Advance from an Automated Teller Machine (ATM) in the Visa\nNetwork, to get a Cash Advance from a Visa financial institution or to make a purchase from a\nmerchant that uses the Card in an electronic terminal that accesses the Visa system.\n18. Credit Union Membership \xe2\x80\x93 You understand and agree that the closing of your Credit\nUnion Share Savings Account terminates your status as a member of the Credit Union, and\nupon such closing, you can no longer obtain credit with the Credit Union Classic Visa Card.\n\n\x0c'


b'Founders Federal Credit Union\n737 Plantation Road\nLancaster, SC 29720\n1-800-845-1614\nfoundersfcu.com\n\nCREDIT CARD AGREEMENT\n\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT, ALL CARDHOLDERS, OR ANYONE ANY CARDHOLDER PERMITS TO USE THE CARD. THE "CARD"\nMEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE DESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS FOUNDERS\nFEDERAL CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU AGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN. THIS AGREEMENT SUPERSEDES ALL PRIOR\nAGREEMENTS AND DISCLOSURE STATEMENT RELATING TO YOUR ACCOUNT.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR FUNDS ON DEPOSIT TO THE AMOUNT YOU OWE.\nFunds on deposit in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchase money household goods.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATM machines that accept the Card, up to the lesser of\nyour established credit limit or $5,000.00 from financial institutions that accept a\nVisa Credit Card. Funds advanced from your credit card for balance transfers\nand at ATMs are considered cash advances and will decrease your available\ncash amount. See your monthly billing statement for your available cash\namount. You agree not to present your Card or obtain a cash advance for any\nextension of credit in excess of your available credit limit; however, if you do\nexceed your credit limit, you agree to make immediate payment sufficient to\nbring the balance below the credit limit. Certain purchases and cash advances\nrequire authorization prior to completion of the transaction. In some cases, you\nmay be asked to provide identification. If our system is not working, we may not\nbe able to authorize a transaction, even though you have sufficient credit\navailable. Also, for security reasons, we may block the use of your Card in\ncertain countries or geographic areas. We will have no liability to you or others if\nany of these events occur.\nPersonal Identification Number (PIN). We may issue a Personal Identification\nNumber (PIN) for use with your Card. This PIN is confidential and should not be\ndisclosed to anyone. You may use your PIN and your Card to access your\naccount, and all sums advanced will be added to your account balance. In the\nevent a use of your PIN constitutes an Electronic Funds Transfer, the terms and\nconditions of your Electronic Funds Transfer Agreement may affect your rights.\nYou agree not to write your PIN on your Card, you will not keep your Card and\nPIN together, and you will not provide your PIN to anyone who is not an\nauthorized user. Except as otherwise provided in this agreement, advances\nthrough ATM access will be treated as cash advances under this Agreement.\nAdvances at authorized ATM\'s are limited to a total of $500 during any 24-hour\nperiod. The total of all cash advances on your account and any withdrawals\nfrom your other accounts through an ATM in any 24-hour period may be\ncombined for the purpose of this limitation. We are not responsible if any ATM\ndoes not have enough cash for your transaction or is not in proper working\norder. Although we do not charge a fee for this service, others may. Owners of\nATMs that we do not own may charge fees in addition to any fees disclosed in\nthis Agreement. This is not a fee charged by your Credit Union; however, any\nsuch fee will be added to your account. The party charging the fee is required to\nprovide appropriate disclosures to you with regard to any such fees.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or fees;\n(c) collection costs and attorney\'s fees as permitted by applicable law, and any\ncosts incurred in the recovery of the Card; and (d) credit in excess of your credit\nlimit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this\n9011 LASER XFM FI1001785 10-2020\n\nAgreement. We may decline any transaction that we believe to be illegal under\napplicable law, including but not limited to any transaction involving or relating to\nany gambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction is\ndetermined to be illegal.\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction under\nthe account.\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay for\nall purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using it. If someone\nelse is authorized to use your account and you want to end that person\'s\nprivilege, you must notify us in writing, and if he or she has a Card, you must\nreturn that Card with your written notice for it to be effective.\nYou shall have sole responsibility for notifying us in writing regarding\ncancellation of charging privileges of authorized user(s). You shall return to us\nthe Card upon cancellation. You shall be responsible for any and all charges\nmade prior to the return of the Card to us.\nOwnership of Card. Your Card remains our property and may be cancelled by\nus at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at\nthe time you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances, balance\ntransfers, insurance premiums, debt protection fees or other fees or advances,\nand subtract any payments, unpaid interest charges, and unpaid late charges.\nThis gives us the daily balance. Then, we add up all the daily balances for the\nbilling cycle and divide that by the number of days in the billing cycle. We then\nmultiply that by the periodic rate corresponding to the Annual Percentage Rate\non your account. If you have different rates for purchases, cash advances or\nbalance transfers, separate average daily balances for each will be calculated\nand the appropriate periodic rate is then applied to each.\nGrace Period on Purchases Only: You can avoid Interest Charges on purchases\nby paying the full amount of the new balance for purchases each month by the\ndate on which the payment is due. Otherwise, the new balance of your account,\nand subsequent advances from the date they are posted to the account, will be\nsubject to an Interest Charge. You cannot avoid Interest Charges on cash\nadvances and balance transfers; even if you pay the entire cash advance\nbalance or balance transfer balance by the payment due date, you will incur the\nInterest Charges accrued from the date the cash advance or balance transfer is\nposted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also pay\nany and all fees that you incur as disclosed to you on your Truth-in- Lending\nStatement or similar disclosures (as may be amended from time to time), or as\ndisclosed to you during the term of your Card.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is (866) 820-6784 for Preferred No Frills Visa and\nPlatinum Secured Visa or (855) 687-1965 for Visa Signature. You agree to\nfollow up your call with notice in writing to us at: 737 Plantation Road,\nLancaster, SC 29720. You also agree to assist us in determining the facts,\ncircumstances and other pertinent information relating to any loss, theft or\n\npage 1 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cpossible unauthorized use of your Card and comply with such procedures as\nwe may require in connection with our investigation. You will be liable for any\nunauthorized use only if we can prove that you were negligent in your use or\nhandling of your Card, or if we can prove that you used your Card fraudulently.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment is\nreceived by us on a business day at the address on the billing statement and by\nthe time designated on the billing statement, it will be credited to your account\non the date of receipt. If payment is made at any location other than the\naddress designated on the periodic statement, credit for such payment may be\ndelayed until payment is received and processed. Payments will be applied in\nany order we determine, subject to applicable law.\nSkip Payment Option. At our option, we may offer you the opportunity to not\nmake (\xe2\x80\x9cskip\xe2\x80\x9d) a minimum payment during certain designated billing cycles (\xe2\x80\x9cskip\npayment period\xe2\x80\x9d). If you choose this skip payment option and do not make your\nminimum payments as provided in this Agreement, during such designated\nbilling cycles, you understand that we will continue to apply finance charges to\nyour Account. Beginning with the billing cycle following an allowed skip payment\nperiod, the original terms of this Agreement will apply. We have no obligation to\naccept your application for any skip payment period offered, and you authorize\nus to investigate your creditworthiness including obtaining consumer credit\nreports. We may charge you an application processing fee of up to $35 for each\nskip payment period that we may offer to cover our costs of investigating your\nqualifications for this extension including but not limited to the costs associated\nwith researching your creditworthiness.\n\nForeign Transactions; Currency Conversion. Purchases and cash advances\nmade in foreign currencies will be billed to you in U.S. dollars. The conversion\nrate in dollars will be a rate selected by the card company from a range of rates\navailable in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate the card company itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date in\neach instance. All transactions processed outside of the United States (which\nmay include internet transactions) will be charged a foreign transaction fee in\nthe amount disclosed on your Truth-in-Lending Statement (as amended from\ntime to time).\nTransaction Slips. Your monthly statement will identify what merchant,\nelectronic terminal or financial institution at which transactions were made.\nSales, cash advance, credit or other slips cannot be returned with the\nstatement.\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any balance on your account resulting from use of the Card\nas well as Interest Charges and fees incurred. We may change the terms of this\nAgreement, including the method of calculating the periodic rate or lowering\nyour credit limit, at any time, by written notice, subject to applicable law. Use of\nthe Card constitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our rights or to\ntake any action shall not constitute a waiver of those rights, or an amendment\nor change in any of the terms of this Agreement.\n\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements you\nhave with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to take\nany of your funds held by us via legal process or if you have a judgment or tax\nlien filed against you; (6) if you make any false, inaccurate, or misleading\nstatements in any credit application or credit update; (7) if we, in good faith,\nbelieve that your ability to repay what you owe is or soon will be impaired, or\nthat you are unwilling to make your payments; or (8) if you use or authorize the\nuse of any Card(s) to make or facilitate any illegal transaction.\n\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or prepayments\nwill not delay your next scheduled payment - you will still need to make the\nminimum scheduled payment by the next scheduled due date to keep your\naccount current. We may accept late payments, partial payments, checks or\nmoney orders marked "payment in full" and such action shall not constitute final\nsettlement of your account or a waiver or forgiveness of any amounts owing\nunder this Agreement.\n\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any funds on deposit that were given as security\nfor your account may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. 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.\n\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a credit\nslip which will be posted to your account. If your credits and payments exceed\nwhat you owe us, the amount will be applied against future purchases and cash\nadvances. If the credit balance amount is $1 or more, it will be refunded upon\nyour written request or automatically after six months.\n\nEnforcement. We do not lose our rights under this or any related agreement if\nwe delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\n\nSuspension of electronic services and access to funds on deposit\naccounts. Subject to applicable law, we may suspend some or all electronic\nservices and access to your checking or other account(s) if you become\ndelinquent on any of your credit card or deposit obligations to us, you cause a\nloss to us, or other reasons disclosed in the Membership Agreement. We shall\nnot be liable to you in any regard in connection with such suspension of\nservices.\n\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home; and\nonly if you have made a good faith attempt, but have been unable to obtain\nsatisfaction from the plan merchant. You must resolve all other disputes directly\nwith the plan merchant. We do not warrant any merchandise or services\npurchased by you with the Card.\n\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You understand\nthat we are not obligated to offer such services and may withdraw or change\nthem at any time.\n\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\n\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance in\nyour account to exceed your credit limit.\n\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity may\nneed to be verified before we act upon the notification.\n\nCredit Information. We may from time to time request personal information\nfrom you or obtain credit reports from the credit reporting agencies for the\npurpose of updating your credit status. Your failure to provide such\ninformation when requested by us may result in suspension of credit\nprivileges under this Agreement, including your ability to obtain any future\nadvances by any means. You authorize us to investigate your credit standing\nwhen opening or reviewing your account. You authorize us to disclose\ninformation regarding your account to credit bureau and creditors who inquire\nabout your credit standing.\n\nGoverning Law. This Agreement shall be construed under federal law and\nstate law in the state in which we are primarily located, and the venue shall be\nlocated in the county and state in which we are primarily located. Operating\nregulations of Visa may also apply. This Agreement is the contract that applies\nto all transactions even though the sales, cash advance, convenience check,\ncredit or other slips you sign or receive may contain different terms.\n\n9011 LASER XFM FI1001785 10-2020\n\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\n\nNOTICE TO UTAH BORROWERS: This written agreement is a final expression\nof the agreement between you and the Credit Union. This written agreement\nmay not be contradicted by evidence of any oral agreement.\n\npage 2 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military\nLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (\xe2\x80\x9cMLA\xe2\x80\x9d)), and (a) your loan is unsecured or secured by personal property or a vehicle\nthat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving\nline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive\nthis notice verbally, please call 1-800-845-1614 during our normal business hours.\n2. This loan will not be secured by a consensual lien on funds on deposit in any of your accounts unless you agree to establish an account in connection\nwith this loan (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization\nprovision contained in your loan or account documents will not apply to the Secured Account or your other funds on deposit accounts for any loan\nsubject to the Military Lending Act.\nHowever, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the\nsums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.\n3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to\nwaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from\nyou in order to exercise your legal rights; or (d) Prepayment penalties.\n4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to these\ndisclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms and\nconditions of the consumer credit contract shall remain in full force and effect.\n\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required 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 that we received\nyour letter. 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\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 25 days telling us that you still refuse to pay. If you do so,\nwe 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\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\n9011 LASER XFM FI1001785 10-2020\n\npage 3 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'