b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to DFCU Financial with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to each\napplicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to\nuse, access or service the Account. "Card" means the Mastercard\xc2\xae credit card and any other access devices, duplicates,\nrenewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means the line of\ncredit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\naccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nPage 1 of 6\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n02101062-MXC30-C-1-052020 (MXC303-E)\n\n\x0cexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on new purchases on the first day of\nthe following billing cycle. We will begin charging You interest on cash advances and balance transfers on the date of the\ntransaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later\n(transaction date). However, We will not charge You any interest on new purchases if You paid the entire new balance on\nthe previous cycle\xe2\x80\x99s billing statement by the Payment Due Date of that statement. To avoid an additional finance charge\non the balance of purchases, You must pay the entire new balance on the billing statement by the Payment Due Date of\nthat statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type (excluding new purchases), and\nsubtract any unpaid interest or other finance charges and any applicable payments or credits. This gives Us the daily\nbalance for each Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the billing cycle\nand divide each total by the number of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each\nTransaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Mastercard from a range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the rate Mastercard itself receives or the governmentmandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may\ndiffer from the rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash\nadvances and credits to Your Account. A foreign transaction is any transaction that You complete or a merchant\ncompletes on Your Card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S.\nembassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\nPage 2 of 6\n02101062-MXC30-C-1-052020 (MXC303-E)\n\n\x0c8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at the address listed on\nYour bill or call Us at (888) 999-1134, seven days a week 24 hours a day or (531) 233-6363 (International Collect Calls),\nseven days a week 24 hours a day. You may also contact Us on the Web: dfcufinancial.com.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. However, if You exercise reasonable care in safeguarding Your\nCard from risk of loss or theft and, upon discovering the loss or theft promptly report the loss or theft to Us, You will not be\nliable for any unauthorized transactions. In any case, Your liability for unauthorized transactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nPage 3 of 6\n02101062-MXC30-C-1-052020 (MXC303-E)\n\n\x0c14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nMichigan.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n\nPage 4 of 6\n02101062-MXC30-C-1-052020 (MXC303-E)\n\n\x0c29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nMASTERCARD IS A REGISTERED TRADEMARK, AND THE CIRCLES DESIGN IS A TRADEMARK OF\nMASTERCARD INTERNATIONAL INCORPORATED.\n\nPage 5 of 6\n02101062-MXC30-C-1-052020 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n02101062-MXC30-C-1-052020 (MXC303-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nTEACHERS VISA PLATINUM\nTEACHERS VISA LOW RATE/TEACHERS STUDENT VISA\nTEACHERS VISA CASH BACK/TEACHERS VISA SECURED\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nTeachers Visa Platinum\n\n10.95% to 17.95%\n\n, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nTeachers Visa Low Rate/Teachers Student Visa\n\n8.75% to 15.75% , when you open your account, based on your\n\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nTeachers Visa Cash Back\n\n10.85% to 17.85%\n\n, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nTeachers Visa Secured\n\n13.99%\n\nThis APR will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nTeachers Visa Platinum\n10.95% to 17.95% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nTeachers Visa Low Rate/Teachers Student Visa\n8.75% to 15.75% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nTeachers Visa Cash Back\n10.85% to 17.85% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nTeachers Visa Secured\n13.99%\nThis APR will vary with the market based on the Prime Rate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03106794-MXC10-C-1-112020 (MXC101-E)\n\n\x0cAPR for Cash Advances\n\nTeachers Visa Platinum\n10.95% to 17.95% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nTeachers Visa Low Rate/Teachers Student Visa\n8.75% to 15.75% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nTeachers Visa Cash Back\n10.85% to 17.85% , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nPenalty APR and When it Applies\nHow to Avoid Paying Interest on\nPurchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nSet-up and Maintenance Fees\n- Account Set-up Fee\n- Program Fee\n- Participation Fee\n- Additional Card Fee\n- Application Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nTeachers Visa Secured\n13.99%\nThis APR will vary with the market based on the Prime Rate.\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nNone\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nNone\nNone\nNone\nNone\nNone\n$5.00 or 3.00% of the amount of each balance transfer, whichever is greater\n$5.00 or 3.00% of the amount of each cash advance, whichever is greater\n1.00% of each multiple currency transaction in U.S. dollars\n0.80% of each single currency transaction in U.S. dollars\nNone\nUp to $25.00\nNone\nUp to $32.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nEffective Date: The information about the costs of the card described in this application is accurate as of: November 24, 2020 .\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Teachers Visa Platinum, Teachers Visa Low Rate, Teachers Student Visa, Teachers\nVisa Cash Back and Teachers Visa Secured are secured credit cards. Credit extended under this credit card\naccount is secured by various personal property and money including, but not limited to: (a) any goods you\npurchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate\nPledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding\nshares in an Individual Retirement Account or in any other account that would lose special tax treatment under\nstate or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03106794-MXC10-C-1-112020 (MXC101-E)\n\n\x0cgrant us but will not be secured by all shares you have in any individual or joint account with the Credit Union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making a\npayment.\nBalance Transfer Fee (Finance Charge):\n$5.00 or 3.00% of the amount of each balance transfer, whichever is greater.\nCash Advance Fee (Finance Charge):\n$5.00 or 3.00% of the amount of each cash advance, whichever is greater.\nReturned Payment Fee:\n$27.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same\nor in any of the six billing cycles following the initial violation, you will be charged $32.00 or the amount of the required\nminimum payment, whichever is less.\nReturned Convenience Check Fee:\n$15.00 or the amount of the returned convenience check, whichever is less.\nCard Recovery Fee:\nNone.\nCard Replacement Fee:\n$5.00.\nDocument Copy Fee:\nNone.\nEmergency Card Replacement Fee:\nNone.\nPay-by-Phone Fee:\n$16.50.\nPIN Replacement Fee:\nNone.\nRush Fee:\n$35.00.\nStatement Copy Fee:\n$3.00.\nUnreturned Card Fee:\nNone.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03106794-MXC10-C-1-112020 (MXC101-E)\n\n\x0c'


b'21) Statements and Notices. Statements and notices will be mailed to you at the most recent\naddress you have given the Credit Union. You agree to give us prompt notice of any change in\nyour name, mailing address, telephone number or place of employment.\n22) Copy Received. By using the Card or the account, you acknowledge that you have received\na copy of this Agreement and agree to all the terms and conditions and promise to perform all\nthe obligations, requirements and duties contained in this Agreement.\n23) Additional Provisions. Each provision of this Agreement must be considered as part of\nthe total Agreement and cannot, in any way, be severed from it. However, you also agree that\nshould any part of the Agreement be found invalid, it will in no way affect the remainder of the\nAgreement. You understand the validity, construction, and enforcement of this Agreement shall\nbe governed by the laws of the State of Texas and federal law. Use of your Card is also subject\nto the policies and rules of MasterCard International and VISA International, as applicable\nand in effect from time to time, which do not conflict with the terms of this Agreement. The\nCredit Union does not warrant any merchandise or services purchased by you with the Card.\nAll purchases and cash advances are extended at the option of the merchant or cash advancing\nfinancial institution and the Credit Union is not responsible for refusal of any merchant or\nfinancial institution to honor your Card. We can accept late payments or partial payments or\nchecks or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without losing any of our rights under\nthis Agreement. We can also delay enforcing any of our rights under this Agreement without\nlosing them.\nYOUR BILLING RIGHTS \xe2\x80\x94 KEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and our responsibilities under the\nFair Credit Billing Act.\nNotify Us In Case of Errors or Questions About Your Bill\nIf you think your bill is wrong or if you need more information about a transaction on your bill,\nwrite us on a separate sheet at the address listed on your bill. Write us as soon as possible. We\nmust hear from you no later than 60 days after we sent you the first bill on which the error or\nproblem appeared. You can telephone us, but doing so will not reserve your rights.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 \x07Describe the error and explain, if you can, why you believe there is an error. If you need\nmore information, describe the item you are not sure about.\nIf you have authorized us to pay your credit card bill automatically from your savings or\nshare draft account, you can stop the payment on any amount you think is wrong. To stop\nthe payment your letter must reach us three business days before the automatic payment is\nscheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice\nWe must acknowledge your letter within 30 days, unless we have corrected the error by then.\nWithin 90 days, we must either correct the error or explain why we believe the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you question or report you as\ndelinquent. We can continue to bill you for the amount you question, including the FINANCE\nCHARGES, and we can apply an unpaid amount against your credit limit. You do not have to\npay any questioned amount while we are investigating, but you are still obligated to pay the\nparts of your bill that are not in question.\nIf we find that we made a mistake on your bill, you will not have to pay any FINANCE\nCHARGES related to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you may have\nto pay FINANCE CHARGES, and you will have to make up any missed payments on the\nquestioned amount. In either case, we will send you a statement of the amount you owe and\nthe date that it is due.\nIf you fail to pay the amount that we think you owe, we may report you as delinquent.\nHowever, if our explanation does not satisfy you and you write to us within 10 days telling\nus that you still refuse to pay, we must tell anyone we report you to that you have a question\nabout your bill. And, we must tell you the name of anyone we reported you to. We must tell\nanyone we report you to that the matter has been settled between us when it finally is.\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50 of the questioned amount, even if\nyour bill was correct.\nSpecial Rule For Credit Card Purchases\nIf you have a problem with the quality of property or services that you purchased with a 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 property or services. There are two\nlimitations on this right:\n\xe2\x80\xa2 \x07You must have made the purchase in your home state or, within 100 miles of your current\nmailing address; and\n\xe2\x80\xa2 \x07The purchase price must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the\nadvertisement for the property or services.\n\nG16223\n\nCREDIT CARD AGREEMENT\n\nP. O. BOX 920719 \xe2\x80\xa2 Houston, TEXAS 77292-0719\n(713) 850-1600 \xe2\x80\xa2 (800) 392-5084 \xe2\x80\xa2 FAX: (713) 622-6860\nwww.smartcu.org\nIn this Agreement, the words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean Smart Financial\nCredit Union or its successors. \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any person who signs this Agreement\nor uses the Card. \xe2\x80\x9cThe Card\xe2\x80\x9d means any credit card issued to you or those designated by you\nunder the terms of this Agreement. \xe2\x80\x9cUse of the Card\xe2\x80\x9d means any procedure used by you, or\nsomeone authorized by you, to make a purchase or obtain a cash advance whether or not the\npurchase or advance is evidenced by a signed written document. \xe2\x80\x9cUnauthorized use of the\nCard\xe2\x80\x9d means the use of the Card by someone other than you who does not have actual, implied,\nor apparent authority for such use, and from which you receive no benefit.\nADDITIONAL SECURITY. If you have other loans with us, now or in the future, collateral\nsecuring those loans may also secure your obligations under this Agreement. Please read\nany security agreement you sign in order to determine if the collateral also secures your\nobligations under this Agreement and other agreements you have with us.\n1) Extensions of Credit. If your Application is approved, the Credit Union may, at its\ndiscretion, establish a line of credit in your name and cause one or more Cards to be issued to\nyou or those designated by you. In such event, you authorize the Credit Union to pay for your\naccount, all items reflecting credit purchases and cash advances obtained through use of the\nCard. You may not use your Card for any illegal purpose or transaction. The Credit Union may\nrefuse to authorize any transaction that it believes to be illegal or that poses an undue risk or\nillegality. If we do process any transaction which ultimately is determined to have been for an\nillegal purpose, you agree that you will remain liable to us under this Agreement for any such\ntransaction notwithstanding its illegal nature. You agree that any illegal use of the Card will\nbe deemed an act of default under this Agreement. You further agree to waive any right to take\nlegal action against the Credit Union for illegal use of the Card and to indemnify and hold the\nCredit Union, MasterCard International, Inc., and VISA International, Inc. harmless from and\nagainst any lawsuits, other legal action or liability that results directly or indirectly from such\nillegal use.\n2) Joint Applicant Liability. If this Agreement is executed by more than one person, each of\nyou shall be jointly and individually liable to us for all charges made to the account, including\napplicable fees. In addition, you agree that each of you designates the other as agent for the\npurpose of making purchases extended under this Agreement and each use of your account\nshall be an extension of credit to all. Notice to one of you shall constitute notice to all. Any\njoint cardholder may remove him/herself from responsibility for future purchases at any time\nby notifying us in writing. However, removal from the account does not release you from any\nliability already incurred.\n3) Others Using Your Account. If you allow anyone else to use your Card, you will be liable\nfor all credit extended to such persons. You promise to pay for all purchases, balance transfers,\nand cash advances made by anyone whom you authorize to use your Card, whether or not you\nnotify us that he or she will be using it. If someone else is authorized to use your Card and you\nwant to end that person\xe2\x80\x99s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return the Card with your written notice for it to be effective.\n4) Credit Limits. You promise the payments made for your account resulting from use of the\nCard will, at no time, cause the outstanding balance in your account to exceed your credit limit\nas disclosed to you at the time you received your Card or as adjusted from time to time at the\ndiscretion of the Credit Union.\n5) Promise To Pay. Each month you must pay at least the minimum payment shown on your\nstatement by the date specified on the statement or no later than twenty-five (25) days from the\nstatement closing date, whichever is later. If your statement says the payment is \xe2\x80\x9cNow Due,\xe2\x80\x9d\nyour payment is due no later than twenty-five (25) days from the statement closing date. You\nmay pay more frequently, pay more than the minimum payment or pay the Total New Balance in\nfull. If you make extra or larger payments, you are still required to make at least the minimum\npayment each month your Account has a balance (other than a credit balance). The minimum\npayment is 2% of your Total New Balance, or $25.00, whichever is greater, plus the amount of\nany prior minimum payments that you have not made, and any amount you are over your credit\nlimit. The Credit Union also has the right to demand immediate payment of any amount by\nwhich you are over your credit limit.\n6) Cost of Credit. The ANNUAL PERCENTAGE RATE used to calculate your Smart\nFinancial Credit Union credit card account is based on your credit history and our lending\nguidelines at the time the credit card account is opened and at the time of any review of your\ncredit card account. Cash advances (including balance transfers) incur a FINANCE CHARGE\nfrom the date they are posted to the account. You will pay a FINANCE CHARGE for all\nadvances made against your account at the periodic rate per day, which has a corresponding\nANNUAL PERCENTAGE RATE (See table below). For purchases, if you have paid your\naccount in full by the due date shown on the previous monthly statement, or there is no previous\n\n\x0cbalance, you have not less than 25 days to repay your account balance before a FFINANCE\nCHARGE on new purchases will be imposed. Otherwise, there is no grace period and new\npurchases will incur a FINANCE CHARGE from the date they are posted to the account.\nThe FINANCE CHARGE is figured by applying the periodic rate to the \xe2\x80\x9cbalance subject\nto FINANCE CHARGE\xe2\x80\x9d which is the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your account, including\ncertain current transactions. The \xe2\x80\x9caverage daily balance\xe2\x80\x9d is arrived at by taking the beginning\nbalance of your account each day and adding any new cash advances, and unless you pay\nyour account in full by the due date shown on your previous monthly statement or there is no\nprevious balance, adding in new purchases, and subtracting any payments or credits and unpaid\nFINANCE CHARGES. This gives us the daily balance. The daily balances for the billing\ncycle are then added together and divided by the number of days in the billing cycle. The result\nis the \xe2\x80\x9caverage daily balance.\xe2\x80\x9d The FINANCE CHARGE is determined by multiplying the\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d by the number of days in the billing cycle and applying the periodic\nrate to the product.\nAnnual Percentage\n\nRate Periodic Rate\n\n8.49%\n9.49%\n13.79%\n15.79%\n17.79%\n\n0.023260%\n0.026000%\n0.037781%\n0.043260%\n0.0487397%\n\n7) Other Charges. The following other charges (fees) will be added to your account, as\napplicable:\n\xe2\x80\xa2 \x07ATM Fee. If you obtain a cash advance by using an automated teller machine, you may\nbe charged any amounts imposed upon the Credit Union by the owner or operator of\nthe machine. Any charge made under this paragraph will be added to the balance of your\naccount and treated as a purchase.\n\xe2\x80\xa2 \x07Collection Cost Fee. You agree to pay all reasonable costs of collection, including court\ncosts and attorney\xe2\x80\x99s fees imposed and any costs incurred in the recovery of the Card.\n\xe2\x80\xa2 \x07Return Check or ACH Fee. If a check or share draft or ACH transaction used to make\na payment on your account is returned unpaid, you may be charged a fee of $25.00 for\neach item returned.\n\xe2\x80\xa2 \x07Late Payment Fee. If you are 10 or more days late in making a payment, a late charge\nequal to 5.00% of the minimum payment (not to exceed $25.00) may be added to your\naccount.\n\xe2\x80\xa2 \x07Document Copy Fee. You will be charged $3.00 for each copy of a sales draft or\nstatement that you request (except when the request is made in connection with a billing\nerror made by the credit union).\n8) Credit Insurance. If available, credit insurance is not required for any extension of credit\nunder this Agreement. However, you may purchase any credit insurance available through the\nCredit Union and have the premium added to the outstanding balance in your account. If you\nelect to do so, you will be given the necessary disclosures and documents separately.\n9) Liability for Unauthorized Use. For MasterCard, you may be liable for the unauthorized use\nof your Card. For MasterCard, you will not be liable for any unauthorized use of your Card if you\nnotify our designee orally or in writing at the Credit Card Center, PO Box 815909, Dallas, TX\n75381-5909, telephone number 1-800-442-4757, of the loss, theft, or possible unauthorized use\nand you meet the following conditions: (1) you have exercised reasonable care with the Card;\n(2) you have not reported two or more incidents of unauthorized Card use within the previous\n12 months; and (3) you have maintained your account in good standing. The foregoing liability\nlimitation does not apply to ATM cash advance transactions.In any case, your maximum\nliability for unauthorized use of the Card will not exceed $50.00 and you will not be liable for\nany unauthorized use that occurs after you notify us (or our designee) at the address or telephone\nnumber above.\nFor VISA, you may be liable for the unauthorized use of your Card. You will not be liable for\nunauthorized use of your Card if you notify our designee orally or in writing at the Credit Card\nCenter, PO Box 815909, Dallas, TX 75381-5909, telephone number 1-800-442-4757, of the\nloss, theft, or possible unauthorized use. The foregoing liability limitation does not apply if you\nare grossly negligent or fraudulent in the handling of your account or your Card, nor does it apply\nin the case of cash advances obtained at an ATM. In any case, your liability for unauthorized\nuse will not exceed $50 and you will not be liable for any unauthorized use that occurs after you\nnotify us (or our designee) at the address or telephone number above.\n10) Crediting of Payments. All payments made on your account at the address designated\nfor payment on the monthly periodic statement will be credited to your account on the date\nof receipt. If the date of receipt is not a business day, your payment will be credited on the\nfirst business day following receipt. IF PAYMENT IS MADE AT ANY LOCATION OTHER\nTHAN THE ADDRESS DESIGNATED ON THE PERIODIC STATEMENT, CREDIT FOR\nSUCH PAYMENT MAY BE DELAYED UP TO FIVE (5) DAYS. All payments on your\naccount will be applied first to collection costs, then to any FINANCE CHARGE and other\nfees due, and then to the unpaid principal balance. Interest paid or agreed to be paid shall\nnot exceed the maximum amount permissible under applicable law, and in any contingency\nwhatsoever, if we shall receive anything of value deemed interest under applicable law which\nwould exceed the maximum amount of interest permissible under applicable law, the excessive\ninterest shall be applied to the reduction of the unpaid principal amount or refunded to you. If\nyou make a payment which exceeds the minimum balance due and you have balance transfers\nat a lower interest and purchases at another interest rate, any over payment will be applied to the\nhighest interest balance first.\n\n11) Default. You will be in default: (1) if you fail to make any payment on time; (2) if you fail\nto keep any promises you have made under this or any other Agreement with the Credit Union;\n(3) if you are the subject of an order for relief under Title 11 of the U.S. Code (Bankruptcy);\n(4) if anyone tries, by legal process, to take any of your money in the Credit Union; (5) if you\nhave given the Credit Union false or inaccurate information in obtaining your Card; or (6) if\nanything happens which the Credit Union reasonably believes endangers your ability to repay\nwhat you owe.\n12) Acceleration. If you are in default, the Credit Union may, without prior notice to you, call\nany amounts you still owe immediately due and payable plus FINANCE CHARGES, which\nshall continue to accrue until the entire amount is paid. You expressly waive any right to notice\nor demand, including but not limited to, demand upon default, notice of intention to accelerate,\nand notice of acceleration. The Card remains the property of the Credit Union at all times and you\nagree to immediately surrender the Card upon demand of the Credit Union.\n13) Additional Benefits/Card Enhancements. The Credit Union may from time to time offer\nadditional services to your account at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n14) Convenience Checks. The Credit Union may, at its discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your account. By signing\nsuch check, you authorize the Credit Union to pay the item for the amount indicated and post\nsuch amount as a cash advance to your account. The Credit Union does not have to pay any\nitem, which would cause the outstanding balance in your account to exceed your credit limit.\n15) Continuation of Credit. The Credit Union may from time to time request personal\ninformation from you for the purpose of updating your credit status, according to normal credit\nprocedures. Your failure to provide such information when requested by the Credit Union may\nresult in suspension of your line of credit privileges under this Agreement, including your ability\nto obtain any future advances by any means.\n16) Currency Conversion. For MasterCard, if you effect a transaction in a currency other\nthan U.S. dollars, MasterCard International will convert the charge into a U.S. dollar amount.\nMasterCard International will use its currency conversion procedure, which is disclosed to\ninstitutions that issue MasterCards. Currently, the currency conversion rate used by MasterCard\nInternational to determine the transaction amount in U.S. dollars for such transactions is\ngenerally either a government- mandated rate or a wholesale rate determined by MasterCard\nInternational for the processing cycle in which the transaction is processed, increased by an\nadjustment factor established from time to time by MasterCard International. The currency\nconversion rate used by MasterCard International on the processing date may differ from the\nrate that would have been used on the purchase date or cardholder statement posting date. For\nVISA, for transactions initiated in foreign currencies, the exchange rate between the transaction\ncurrency and the billing currency (U.S. dollars) will be: (a) a rate selected by VISA from the\nrange of rates available in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate VISA itself receives; or (b) the government mandated\nrate in effect for the applicable central processing date. In each instance, plus any adjustment\ndetermined by the Credit Union.\n17) VISA Emergency Services. For VISA Platinum cardholders, you acknowledge that we\nmay provide personal data concerning you to VISA U.S.A., its Members, or their respective\ncontractors for the purpose of providing you with VISA Emergency Cash and Emergency Card\nReplacement Services, and you consent to the release of your information for these purposes.\nMasterCard Emergency Services. For Mastercard Platinum cardholders, you acknowledge\nthat we may provide personal data concerning you to Mastercard International, its Members,\nor their respective contractors for the purpose of providing you with Mastercard Emergency\nCash and Emergency Card Replacement Services, and you consent to the release of your\ninformation for these purposes.\n18) Termination or Changes. The Credit Union may, by written notice, terminate this\nAgreement at any time. You may terminate this Agreement, by written notice. Termination\nby either party shall not affect your obligation to repay any payments made for your account\nresulting from use of the Card as well as FINANCE CHARGES and OTHER RELATED\nCHARGES. The Credit Union has the right to change any part of this Agreement or add or\nremove any term, condition, or requirement. If permitted by law, the change may be applied to\nany Account balance existing at the time of the change. We will give you written notice prior\nto the effective date of any such change, if required by law. From time to time, we may review\nyour Account. Based on these reviews, we may decide to change your Account terms, including\nAPRs, fees, and the amount of your credit line. Other changes may include the method of\ncalculating the periodic rate. Use of the Card or account after having received a notice of change\nin terms constitutes agreement to and acceptance of the change in terms.\n19) Credit Information. You authorize the Credit Union to investigate your credit standing and\nemployment history when opening or reviewing your account. You authorize the Credit Union\nto disclose information regarding your account to credit bureaus and creditors who inquire\nabout your credit standing. 20) Notification Address for Information Reported to Consumer\nReporting Agencies.\n20) Notification Address for Information Reported to Consumer Reporting Agencies. We\nmay report the status and payment history of your account to credit reporting agencies each\nmonth. If you believe that the information we have reported is inaccurate or incomplete, please\nnotify us in writing at Smart Financial Credit Union, P.O. Box 920719, Houston, TX 772920719. Please include your name, address, home telephone number and account number. We may\nreport the status and payment history of your account to credit reporting agencies each month. If\nyou believe that the information we have reported is inaccurate or incomplete, please notify us\nin writing at Smart Financial Credit Union, P.O. Box 920719, Houston, TX 77292-0719. Please\ninclude your name, address, home telephone number and account number.\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\n\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Chartway Federal Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d\nrefers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by\nthis Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $20.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$20.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n04502863-MXC30-C-1-030918 (MXC303-E)\n\n\x0cIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder\xe2\x80\x99s\ncountry code differs from the merchant\xe2\x80\x99s country code. A fee (finance charge) will be charged on all transactions\ncompleted in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S.\ndollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure\naccompanying this Agreement.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nPage 2 of 5\n04502863-MXC30-C-1-030918 (MXC303-E)\n\n\x0care suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n10. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at Credit Card Security\nDepartment, PO Box 30495, Tampa, FL, 33630 or call Us at (800) 906-0005, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n13. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n15. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n16. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n17. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\nPage 3 of 5\n04502863-MXC30-C-1-030918 (MXC303-E)\n\n\x0cpart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nVirginia.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n24. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n25. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n26. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n27. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n28. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n29. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n30. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n31. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n32. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 4 of 5\n04502863-MXC30-C-1-030918 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 5 of 5\n04502863-MXC30-C-1-030918 (MXC303-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVLVD\x036LJQDWXUH\x035HZDUGV\x03\x12\x039LVD\x035HZDUGV\x03\x12\x039LVD\x036HFXUHG\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Signature Rewards\n\n8.99\x08 to \x14\x1a\x11\x1b\x1c\x08\n\n, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Rewards\n\n6.99\x08 to \x14\x1a\x11\x1b\x1c\x08\n\n, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Secured\n\n6.99\x08 to \x14\x1a\x11\x1b\x1c\x08\n\n, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPR for Balance Transfers\n\nVisa Signature Rewards\n\x13\x11\x13\x13\x08 Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 8.99\x08 to \x14\x1a\x11\x1b\x1c\x08 , based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Rewards\n6.99\x08 to \x14\x1a\x11\x1b\x1c\x08 , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nAPR for Cash Advances\n\nVisa Secured\n6.99\x08 to \x14\x1a\x11\x1b\x1c\x08 , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Signature Rewards\n8.99\x08 to \x14\x1a\x11\x1b\x1c\x08 , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Rewards\n6.99\x08 to \x14\x1a\x11\x1b\x1c\x08 , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Secured\n6.99\x08 to \x14\x1a\x11\x1b\x1c\x08 , when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nSEE NEXT PAGE for more important information about your account.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04502863-MXC10-C-2-112219 (MXC101-E)\n\n\x0cFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee - Visa\nSignature Rewards\n- Foreign Transaction Fee - Visa\nRewards, Visa Secured\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nNone\nNone\nNone\nNone\n1.00% of each multiple currency transaction in U.S. dollars\n0.80% of each single currency transaction in U.S. dollars\nUp to $29.00\nNone\nUp to $15.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR - Visa Signature Rewards: The Introductory APR for balance transfers will\napply to transactions posted to your account during the first six billing cycles following the opening of your account. Any\nexisting balances on Chartway Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR\nfor balance transfers.\nEffective Date: The information about the costs of the card described in this application is accurate as of: April 1, 2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\n\n.\n\nFor California Borrowers, the Visa Signature Rewards, Visa Rewards and Visa Secured are secured credit cards.\nCredit extended under this credit card account is secured by various personal property and money including, but\nnot limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral\nfor this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the\nCredit Union excluding shares in an Individual Retirement Account or in any other account that would lose\nspecial tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit\nUnion excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods\nwhen you are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee: $29.00 or the amount of the required minimum payment, whichever is less, if you are more than five\ndays late in making a payment.\nReturned Payment Fee: $15.00 or the amount of the required minimum payment, whichever is less.\nCard Replacement Fee: $15.00.\nDocument Copy Fee: $5.00.\nEmergency Card Replacement Fee: $20.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04502863-MXC10-C-2-112219 (MXC101-E)\n\n\x0c'