b'M-121773 (07/20)\nVISA GOLD CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENT\nTINKER FEDERAL CREDIT UNION \xe2\x80\x93 VISA GOLD\nInterest Rates and Interest Charges\nANNUAL PERCENTAGE\n3.99% introductory rate on purchases for 6 months from date of account opening; thereafter, the\nRATE (APR) for\nAPR is set by your credit rating at the time of account opening.*\nPurchases\nRate 1 \xe2\x80\x93\nRate 5 \xe2\x80\x93\nAPR for Balance\nTransfers\n\nAPR for Cash Advances\n\n8.50% Rate 2 \xe2\x80\x93 9.50%\n14.50%\n\nRate 3 \xe2\x80\x93\n\n10.50%\n\nRate 4 \xe2\x80\x93\n\n12.50%\n\nThe APR will vary with the market based on the Prime Rate.\nRate 1 \xe2\x80\x93 8.50% Rate 2 \xe2\x80\x93 9.50% Rate 3 \xe2\x80\x93 10.50% Rate 4 \xe2\x80\x93 12.50% Rate 5 \xe2\x80\x93 14.50%\nBalance transfer APR: The current program APR which will be set by your credit rating at the time of\naccount opening.* The APR will vary with the market based on the Prime Rate.\nRate 1 \xe2\x80\x93 8.50% Rate 2 \xe2\x80\x93 9.50% Rate 3 \xe2\x80\x93 10.50% Rate 4 \xe2\x80\x93 12.50% Rate 5 \xe2\x80\x93 14.50%\nCash advance APR: The current program APR which will be set by your credit rating at the time of\naccount opening.* The APR will vary with the market based on the Prime Rate.\n\nPaying Interest\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\nFees\nSet-Up and Maintenance\nFees\n\xe2\x97\x8f Annual Fee\nTransaction Fees\n\xe2\x97\x8f Balance Transfer Fee\n\xe2\x97\x8f Cash Advance Fee\n\xe2\x97\x8f Foreign Transaction\nPenalty Fees\n\xe2\x97\x8f Late Payment\n\n\xe2\x97\x8f Return Check Fee\n\nOther Fees\n\xe2\x97\x8f Statement Copy\n\xe2\x97\x8f Ticket Copy\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any\ninterest on purchases if you pay your entire balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a credit card, visit the website of\nthe Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nNone\nNone\nNone\n1% of each transaction in U.S. dollars.\nUp to $22 - If your minimum monthly payment is not received by us on the due date on your monthly\nstatement, we may impose a late fee of up to $22 which will be reflected on the following monthly\nstatement.\nUp to $20 - The Credit Union may charge a return check fee for each return by a bank or other\ndepository institution of a dishonored check, negotiable order of withdrawal or share draft issued by\ncardholder(s) as payment on the credit card account.\n$2 - the Credit Union may charge a $2.00 fee for each duplicate copy of requested monthly billing\nstatement(s).\nThe Credit Union may charge for each duplicate copy of requested sales slip(s). However, if the\nrequest for a duplicate copy of a sales slip is in connection with any disputed billing matter, (see\n\xe2\x80\x9cYOUR BILLING RIGHTS\xe2\x80\x9d), a fee will not be imposed.\n$25 - Travel and Entertainment documents\n$6 - Original sales slip on valid charges\n$5 - Photocopy of sales slip on valid charges\n\n\xe2\x97\x8f Card Replacement Fee\n\n$13 - the Credit Union may charge for each credit card that is reissued prior to the current cards\nexpiration date.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new purchases).\xe2\x80\x9d See the\nINTEREST CHARGE CALCULATION METHODS section of this cardholder agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is included in this cardholder\nagreement under the YOUR BILLING RIGHTS section.\n*The credit score ranges are as follows: Rate 1 (740 and above) Rate 2 (700-739) Rate 3 (660-699) Rate 4 (625-659) Rate 5 (0 to 624)\nYour account must be open to receive a Year-End Purchase Summary and to use other program benefits.\n\n1\n\n\x0cDEFINITIONS\nExcept as the context otherwise requires (a) \xe2\x80\x9cAccount(s)\xe2\x80\x9d\nmeans my Visa Gold credit card account established with\nTinker Federal Credit Union and governed by this Agreement;\n(b) \xe2\x80\x9cIssuer\xe2\x80\x9d and/or \xe2\x80\x9cCredit Union\xe2\x80\x9d means Tinker Federal Credit\nUnion of P.O. Box 45750, Tinker Air Force Base, Oklahoma\n73145; (c) \xe2\x80\x9cI,\xe2\x80\x9d \xe2\x80\x9cMe,\xe2\x80\x9d \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cMy,\xe2\x80\x9d \xe2\x80\x9cOur,\xe2\x80\x9d \xe2\x80\x9cMine,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d\n\xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cCardholder(s)\xe2\x80\x9d mean all persons who\nhave signed the application for the Visa Gold and/or used or\npermitted others to use the card; (d) the \xe2\x80\x9cCard\xe2\x80\x9d or \xe2\x80\x9cCards\xe2\x80\x9d\nmeans the Visa Gold card(s); (e) \xe2\x80\x9cAgreement\xe2\x80\x9d means this\ndocument; (f) \xe2\x80\x9cCash Advance\xe2\x80\x9d means all cash advances\nobtained at any time through the use of the card from any\nfinancial institution authorized to honor the cards; (g) \xe2\x80\x9cCredit\nLimit\xe2\x80\x9d means the dollar amount Credit Union approved against\nwhich I may borrow in accordance with this Agreement; (h)\n\xe2\x80\x9cApplication\xe2\x80\x9d means the credit application I/We filled out and\nsigned which is incorporated herein and made a part of this\nAgreement; (I) \xe2\x80\x9cPrime Rate\xe2\x80\x9d means the rate published daily in\nThe Wall Street Journal under the caption \xe2\x80\x9cMoney Rates\xe2\x80\x9d\nand described as the base rate on corporate loans at large United\nStates money center commercial banks. If the \xe2\x80\x9cPrime Rate\xe2\x80\x9d so\npublished is a range, the \xe2\x80\x9cPrime Rate\xe2\x80\x9d will mean the highest of\nthe published range.\nAGREEMENT TO EXTEND CREDIT\nCredit Union agrees to extend credit to cardholder and advance\namounts, up to the cardholder\xe2\x80\x99s credit limit, to pay for: (i) all\npurchases of goods and services of whatever type and nature\nmade at any time through the use of the card at businesses\nauthorized to honor a card, and (ii) all cash advances obtained\nat any time through the use of the card from any financial\ninstitution or ATM authorized to honor a card.\nPROMISE TO PAY AND PERSONS LIABLE\nBy signing the application, retaining, and/or using the card(s)\nor allowing an authorized party to use the card(s), I/We promise\nto pay to Credit Union, or anyone Credit Union designates, all\namounts loaned under the Agreement plus the applicable\ninterest charges, attorney\xe2\x80\x99s fees, court cases or other amounts\nthat I/We owe Credit Union. If more than one person applies\nfor the card(s), each person will be issued a Card and will be a\ncardholder under this Agreement. The cardholder whose name\nappears first on the application will be considered the \xe2\x80\x9cPrimary\nCardholder.\xe2\x80\x9d The cardholder will be responsible for all\npurchases, cash advances, and all interest charges imposed\nunder this Agreement. If there is more than one cardholder for\nthe account, each cardholder will be liable for all amount\npayable on the account regardless of which cardholder is\nresponsible for incurring such amounts. Each cardholder will\nalso be responsible for complying with all of the other terms of\nthis Agreement.\nCREDIT LIMIT\nThe Credit Union has established an initial credit limit for the\ncardholder\xe2\x80\x99s account(s) and reserves the right at any time, at\ncardholder\xe2\x80\x99s request or otherwise, to change the amount of\ncredit available through cardholder\xe2\x80\x99s Visa Gold account(s).\nCardholder agrees not to incur charges or to permit others to\nincur charges, that would result in credit in excess of\ncardholder\xe2\x80\x99s authorized amount. The Credit Union does not\nallow over-the-limit charges as a term of this product. If the\ncredit limit should be exceeded, for any reason, even\n\ninadvertently, cardholder agrees to pay the amount over limit\nimmediately upon notice from Credit Union. Examples of\ninadvertent excess of credit limit include, but are not limited to,\nreturned payments and merchant authorizations.\nINTEREST CHARGE CALCULATION METHODS\nThe interest charge calculation method applicable to your\naccount for cash advances and credit purchases of goods and\nservices that you obtain through the use of your card is\nexplained below. Calculation Method A is used to determine\nthe interest charge on cash advances. Calculation Method G is\nused to determine the interest charge on purchases of goods or\nservices.\nMethod A\xe2\x80\x94The interest charge on cash advances begins to\naccrue on the date you obtain the cash advance or the first day\nof the billing cycle in which it is posted to your account,\nwhichever is later. The interest charges for a billing cycle are\ncomputed by applying the daily periodic rate to the average\ndaily balance multiplied by the number of days in the billing\ncycle OR the monthly periodic rate to the average daily balance\nduring the billing cycle, which is determined by dividing the\nsum of the daily balances during the billing cycle by the number\nof days in the cycle. Each daily balance is determined by\nadding to the previous balance (the outstanding balance of your\naccount at the beginning of the billing cycle) any new credit\npurchases posted to your account and any new cash advances\nreceived, and subtracting any payments as received or credits\nas posted to your account, but excluding any unpaid interest\ncharges.\nMethod G\xe2\x80\x94The interest charge on credit purchases begins to\naccrue on the date each purchase is posted to your account. To\navoid incurring an interest charge on the balance of credit\npurchases reflected on your monthly statement and on any new\ncredit purchases appearing on your next statement, you must\npay the new balance shown on your monthly statement on or\nbefore the payment due date. The interest charges for a billing\ncycle are computed by applying the daily periodic rate to the\naverage daily balance multiplied by the number of days in the\nbilling cycle OR the monthly periodic rate to the average daily\nbalance of credit purchases, which is determined by dividing\nthe sum of the daily balances during the billing cycle by the\nnumber of days in the cycle. Each daily balance is determined\nby adding to the previous balance of credit purchases, any new\ncredit purchases posted to your account and subtracting any\npayments as received and credits as posted to your account, but\nexcluding any unpaid interest charges.\nVARIABLE RATE DISCLOSURE\nThe Annual Percentage Rate is initially determined by your\ncredit rating. I understand that the monthly periodic rates and\nthe Annual Percentage Rates are variable rates that may\nchange from time to time. The current rates are disclosed on\nthe insert the Credit Union has furnished to me based on my\ncredit score at the time of account opening. My Annual\nPercentage Rate (APR) may change (increase or decrease)\nfrom time to time based on movements in the Prime Rate,\npublished in The Wall Street Journal on the 25th calendar day\nprior to the beginning of each calendar quarter. If this date falls\non a weekend or holiday, the published rate on the next business\nday will be utilized. My new rate will not become effective\nuntil after the end of my current billing cycle in which\n\n2\n\n\x0cmovement of the Prime Rate dictates a change to the annual\npercentage rate currently in effect.\nRate 1 \xe2\x80\x93 If I receive Rate 1, the APR will be determined by\nadding 5.25% to the Prime Rate.\nRate 2 \xe2\x80\x93 If I receive Rate 2, the APR will be determined by\nadding 6.25% to the Prime Rate.\nRate 3 \xe2\x80\x93 If I receive Rate 3, the APR will be determined by\nadding 7.25% to the Prime Rate.\nRate 4 \xe2\x80\x93 If I receive Rate 4, the APR will be determined by\nadding 9.25% to the Prime Rate.\nRate 5 \xe2\x80\x93 If I receive Rate 5, the APR will be determined by\nadding 11.25% to the Prime Rate.\nThe periodic rate will be adjusted after the end of my current\nbilling cycle in each calendar quarter in which movement of the\nPrime Rate dictates a change. Calendar quarters begin January\n1, April 1, July 1, and October 1 of each year. I understand that\nmy monthly periodic rate will be 1/12th of the applicable APR.\nIf there is an increase in the Prime Rate, my minimum monthly\npayment may also increase. Likewise, if the Prime Rate\ndecreases, my minimum monthly payment may also decrease.\nHowever, in no event will the Annual Percentage Rate\nexceed 18.0%, (which corresponds to a monthly periodic rate\nof 1.5%).\nMONTHLY PAYMENTS\nCardholders agree to pay monthly on or before the \xe2\x80\x9cPayment\nDue Date\xe2\x80\x9d either (i) the total \xe2\x80\x9cNew Balance\xe2\x80\x9d which includes\nany of the previous unpaid balances, purchases, cash advances,\npayments and credits, or (ii) at least the \xe2\x80\x9cMinimum Payment\xe2\x80\x9d\nrequired, which is the greater of $15.00 or 3% of the\noutstanding \xe2\x80\x9cNew Balance\xe2\x80\x9d as shown on the monthly\nstatement. Payment \xe2\x80\x9cDue Date\xe2\x80\x9d on statement is 25 days from\nstatement\xe2\x80\x99s \xe2\x80\x9cClosing Date.\xe2\x80\x9d The amounts paid as part of the\nMinimum Payment and all amounts paid over the Minimum\nPayment are applied to balances as permitted by law. We do\nnot charge interest on interest.\nAll payments shall be considered made when received on any\nbusiness day (excluding federal holidays), when received at\nTinker Federal Credit Union\xe2\x80\x99s billing address: P.O. Box 45750,\nTinker AFB, OK 73145, and when accompanied by the return\nportion of the cardholder statement\nCREDIT CARD LOSS OR FRAUDULENT TRANSFERS\nUnder the Fair Credit Billing Act, your liability for\nunauthorized use of your card is capped at $50. However, if\nyou report the loss of your card before your credit card is used,\nyou are not responsible for any charges you did not authorize.\nLikewise, if you exercise reasonable care in safeguarding your\ncard from loss or theft and promptly report any loss or theft of\nyour card to TFCU you have ZERO liability. TFCU must be\nnotified of loss, theft, or possible unauthorized use of the credit\ncard by notification in person, by calling (405) 732-0324,\noption 6, or 1-800-456-4828, option 6, or by writing to TFCU\nat P.O. Box 45750, Tinker AFB, Oklahoma 73145, Attn: Credit\nCard Department. If your credit card number is stolen, but not\nthe card, you are not liable for any unauthorized use. If you\ndispute any transaction, while we investigate, you must timely\npay other amounts owing, including finance charges on the\ndisputed amount.\nATTORNEY\xe2\x80\x99S FEES\n\nCardholder agrees to pay all reasonable costs of collection\nincluding reasonable attorney\xe2\x80\x99s fees not in excess of fifteen\npercent (15%) of the unpaid debt, court costs, and other lawful\ncharges incurred by the Credit Union in collecting the\nCardholder\xe2\x80\x99s indebtedness, whether or not suit is brought.\nDISCLAIMER OF LIABILITY\nThe Credit Union shall not be responsible if a merchant or\nfinancial institution shall refuse to honor any card. Refusal to\nhonor shall not affect or impair the obligation of cardholder to\npay all sums due on an account in accordance with the terms\nhereof. Notices hereunder shall be effective only if given in\nwriting to Credit Union at its office and to cardholder at my last\nknown mailing address, as shown on Credit Union\xe2\x80\x99s records.\nOWNERSHIP OF CREDIT CARDS\nCard(s) shall at all times remain the property of the Credit\nUnion; the cardholder agrees to surrender them upon demand.\nThe Credit Union may revoke the credit cards and cancel my\nline of credit if issuer reasonably believes prospects of\nrepayment are impaired, then the unpaid balance becomes\nimmediately due and payable at once and my line of credit is\ncancelled. If Credit Union revokes the credit cards and cancels\nthe credit line, this does not affect cardholder\xe2\x80\x99s obligations to\nrepay the Credit Union. Cardholder may cancel account by\nwritten notice and return of the cut cards to the Credit Union\xe2\x80\x99s\nCredit Card Department.\nAMENDMENT\nI agree that the terms of the Agreement are applicable to any\ncardholder. I also agree that the Credit Union may change the\nterms of the Agreement at any time with written notice required\nby law before the change becomes effective. Any changes to\nthe Agreement may apply to all outstanding indebtedness\nincurred before, on, or after the effective date of the changes.\nCardholder\xe2\x80\x99s failure to terminate the account prior to the\neffective date of an Amendment shall constitute acceptance of\nsuch Amendment. To terminate the account, all credit cards\nmust be returned to Tinker Federal Credit Union Credit Card\nDepartment and the cardholder will be required to pay the\naccount in accordance with the terms of the Cardholder\nAgreement and Disclosure Statement.\nCHOICE OF LAW\nI acknowledge and understand that the obligations under this\nAgreement represented by charges to my account(s) were\ncontracted for and became binding when the sales drafts, card\nslips or other credit devices were accepted by the Credit Union\nand caused the holder of the same to be paid, and this occurred\nin Oklahoma County, and the courts of Oklahoma County shall\nhave venue to try controversies arising out of this agreement. If\nany portion of the Agreement is determined to be\nunenforceable, it will not make any other part unenforceable.\n\nIRREGULAR PAYMENT: DELAY IN ENFORCEMENT\nThe Credit Union can accept late payments, partial payments,\nchecks and money orders marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or language\nhaving the same effect without losing any of the cardholder\xe2\x80\x99s\nrights under this Agreement. The Credit Union can also delay\nenforcing our rights under this Agreement any number of times\nwithout losing them. The fact that the Credit Union may honor\n\n3\n\n\x0ca purchase or cash advance in excess of the credit limit does not\nobligate the Credit Union to do so thereafter.\n\nEVENTS OF DEFAULT\nI will be in default under this Plan and Agreement if any of the\nfollowing events shall occur:\n(a) If I fail to comply with the minimum payment or any other\nterms or conditions of this Agreement I may have with you;\n(b) If I should die or become insolvent;\n(c) If a petition should be filed or other proceeding should be\nstarted under the Federal Bankruptcy Code or any State\ninsolvency Statute by or against me;\n(d) If a receiver should be appointed or a writ or order of\nattachment, levy or garnishment should be issued against\nme or any of my property, assets or income;\n(e) If Credit Union should consider itself or any debts due\nunder this Agreement unsafe or not completely secure or if\nCredit Union should believe, in good faith, that the chances\nof my paying or performing all of my obligations under this\nAgreement have been impaired; or\n(f) If anything in the application or use of this card is\nmisrepresented or used for any fraudulent purchase.\nENTIRE BALANCE DUE\nIf any of the above events of default should occur, my entire\noutstanding balance shall immediately become due and\npayable, without Credit Union notifying me, with interest due\non the balance at the applicable APR as provided herein per\nyear until paid, and Credit Union\xe2\x80\x99s obligations to honor my use\nof the card to get credit extensions from anyone or to make\nfurther advances to me shall, at Credit Union\xe2\x80\x99s option, and\nwithout notice, immediately end. If I fail to pay the outstanding\nbalance immediately, on Credit Union\xe2\x80\x99s demand, I agree to pay\nall of Credit Union\xe2\x80\x99s collection expenses, including Credit\nUnion\xe2\x80\x99s reasonable attorney\xe2\x80\x99s fees.\nILLEGAL TRANSACTIONS\nA credit card may not be used for an illegal transaction. Certain\ntransactions are prohibited from being processed through your\naccount with the Credit Union under the Unlawful Internet\nGambling Enforcement Act of 2006 (\xe2\x80\x9cthe Act\xe2\x80\x9d) and related\nregulations issued by the Board of Governors of the Federal\nReserve System and the United States Department of the\nTreasury (\xe2\x80\x9cRegulation GG\xe2\x80\x9d). The Credit Union is required by\nthe Act and Regulation GG to inform you of this restriction.\nThe transactions which are prohibited are the following\ntransactions or transmittals involving any credit, funds,\ninstrument, or proceeds that the Act prohibits any person\nengaged in the business of betting or wagering (except for the\nactivities of a financial transaction provider, or any interactive\ncomputer service or telecommunications service) from\nknowingly accepting, in connection with the participation of\nanother person in unlawful Internet gambling:\n\xe2\x96\xa0 Credit, or the proceeds of credit, extended to or on behalf of\nsuch person (including credit extended through the use of a\ncredit card);\n\xe2\x96\xa0 An electronic fund transfer, or funds transmitted by or\nthrough a money transmitting business, or the proceeds of an\nelectronic fund transfer or money transmitting service, from or\non behalf of such other person; and\n\n\xe2\x96\xa0 Any check, draft, or similar instrument that is drawn by or on\nbehalf of such other person and is drawn on or payable at or\nthrough any financial institution.\nInternet gambling will generally be deemed to be unlawful\nunless it is expressly authorized by license issued by an\nappropriate State or Tribal authority.\nCREDIT INVESTIGATION\nSince Credit Union has the sole right to approve my application\nand allow me to use the card(s) now and in the future, I\nauthorize Credit Union at any time to make or have made\nwhatever credit investigation Credit Union feels is proper to\nevaluate my credit, personal or financial standing and /or\nemployment, and I authorize Credit Union to share my credit\nexperience with credit bureaus. I also agree to furnish Credit\nUnion current financial statements in such details as Credit\nUnion may require on an annual basis and more frequently at\nCredit Union\xe2\x80\x99s request.\n\nFor the purpose of the following sections only, \xe2\x80\x9cYou\xe2\x80\x9d/\xe2\x80\x9dYour\xe2\x80\x9d\nmeans all persons who have signed the application for Visa\nGold and used or permitted others to use the card; and\n\xe2\x80\x9cUs\xe2\x80\x9d/\xe2\x80\x9dWe\xe2\x80\x9d means Tinker Federal Credit Union of PO Box\n45750, Tinker Air Force Base, Oklahoma 73145.\n\nYOUR PERSONAL IDENTIFICATION NUMBER\nWithin the next few days, you will be receiving a Personal\nIdentification Number (PIN). This personal identification\nnumber is being assigned to your account to allow you access\nto ever-expanding networks of automated teller machines\n(ATMs) in this area, across the country, and overseas. Because\neach ATM is slightly different, simply insert your card in the\nslot and follow the directions that will appear on the screen.\nSome important directions will come with the identification\nnumber, and we ask that you follow those instructions carefully\nto protect your card from unauthorized use.\nAUTOMATIC UPDATE SERVICE\nAs part of the services provided by VISA, VISA now requires\ncard issuers to participate in the VISA Automatic Updater\n(\xe2\x80\x9cVAU\xe2\x80\x9d) services. VISA will monitor changes to your account\ninformation and automatically update your account\ninformation, if changes to your account are detected by VISA.\nThe auto-updated information may include a change in your\nname, card account number, and other important and relevant\ninformation impacting your card account and potential activity;\nthis will allow you to continue to use your card without\ninterruption. If you do not want your information to be\nautomatically updated by VISA, then please contact us to\ndiscuss options.\n\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT\nFOR FUTURE USE\nThis notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR\nSTATEMENT\n\n4\n\n\x0cIf you think there is an error on your statement, write to us at\nTinker Federal Credit Union, P.O. Box 45750, Tinker AFB,\nOklahoma 73145, Attn: Credit Card Department.\nIn your letter give us the following information:\n\xef\x82\xb7 Account information: Your name and account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected\nerror.\n\xef\x82\xb7 Description of problem: If you think there is an error on\nyour bill, describe what you believe is wrong and why\nyou believe it is a mistake.\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your\nstatement.\n\xef\x82\xb7 At least 3 business days before an automated payment\nis scheduled, if you want to stop payment on the amount\nyou think is wrong.\nYou must notify us of any potential errors in writing. You may\ncall us, but if you do we are not required to investigate any\npotential errors and you may have to pay the amount in\nquestion.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR\nLETTER\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell\nyou that we received your letter. We will also tell you\nif we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the\nbill is correct.\nWhile we investigate whether or not there has been an\nerror:\n\xef\x82\xb7 We cannot try to collect the amount in question, or\nreport you as delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xef\x82\xb7 While you do not have to pay the amount in question,\nyou are responsible for the remainder of your balance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit\nlimit.\nAfter we finish our investigation, one of two things will\nhappen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the\namount in question or any interest or other fees related\nto that amount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have\nto pay the amount in question, along with applicable\n\ninterest and fees. We will send you a statement of the\namount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the\namount we think you owe.\nIf you receive our explanation but still believe your bill is\nwrong, you must write to us within 10 days telling us that you\nstill refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning your\nbill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill is\ncorrect.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH\nYOUR CREDIT CARD PURCHASES\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good\nfaith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address,\nand the purchase price must have been more than $50.\n(Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed to you, or if\nwe own the company that sold you the goods or\nservices.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses your credit card account do\nnot 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\nwith the purchase, contact us in writing at:\nTinker Federal Credit Union\nP.O. Box 45750\nTinker AFB, OK 73145\nAttn: Credit Card Department\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe\nany amount and you do not pay, we may report you as\ndelinquent.\n\n5\n\n\x0c'


b'M-121806 (07/20)\nVISA CARDHOLDER AGREEMENT AND DISCLOSURE STATEMENTTINKER FEDERAL CREDIT UNION \xe2\x80\x93 VISA\nInterest Rates and Interest Charges\nANNUAL\n3.99% introductory rate on purchases for 6 months from date of account opening; thereafter, the\nPERCENTAGE RATE\nAPR is set by your credit rating at the time of account opening.*\n(APR) for Purchases\n\n8.15% Rate 2 \xe2\x80\x93 9.15%\nRate 4 \xe2\x80\x93 12.15% Rate 5 \xe2\x80\x93 14.15%\nOption \xe2\x80\x9cB\xe2\x80\x9d\nRate 1 \xe2\x80\x93 8.75% Rate 2 \xe2\x80\x93 9.75%\nRate 4 \xe2\x80\x93 12.75% Rate 5 \xe2\x80\x93 14.75%\nOption \xe2\x80\x9cA\xe2\x80\x9d\n\nAPR for Balance\nTransfers\n\nRate 1 \xe2\x80\x93\n\nRate 3 \xe2\x80\x93\n\n10.15%\n\nRate 3 \xe2\x80\x93\n\n10.75%\n\nThe APR will vary with the market based on the Prime Rate.\nOption \xe2\x80\x9cA\xe2\x80\x9d Rate 1 \xe2\x80\x93 8.15% Rate 2 \xe2\x80\x93 9.15% Rate 3 \xe2\x80\x93 10.15% Rate 4 \xe2\x80\x93 12.15% Rate 5 \xe2\x80\x93 14.15%\nOption \xe2\x80\x9cB\xe2\x80\x9d Rate 1 \xe2\x80\x93 8.75% Rate 2 \xe2\x80\x93 9.75% Rate 3 \xe2\x80\x93 10.75% Rate 4 \xe2\x80\x93 12.75% Rate 5 \xe2\x80\x93 14.75%\n\nAPR for Cash Advances\n\nBalance transfer APR: The current program APR which will be set by your credit rating at the time of\naccount opening.* The APR will vary with the market based on the Prime Rate.\nOption \xe2\x80\x9cA\xe2\x80\x9d Rate 1 \xe2\x80\x93 8.15% Rate 2 \xe2\x80\x93 9.15% Rate 3 \xe2\x80\x93 10.15% Rate 4 \xe2\x80\x93 12.15% Rate 5 \xe2\x80\x93 14.15%\nOption \xe2\x80\x9cB\xe2\x80\x9d Rate 1 \xe2\x80\x93 8.75% Rate 2 \xe2\x80\x93 9.75% Rate 3 \xe2\x80\x93 10.75% Rate 4 \xe2\x80\x93 12.75% Rate 5 \xe2\x80\x93 14.75%\n\nPaying Interest\n\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\nFees\nSet-Up and Maintenance\nFees\n\xe2\x97\x8f Annual Fee\nTransaction Fees\n\xe2\x97\x8f Balance Transfer\n\xe2\x97\x8f Cash Advance\n\xe2\x97\x8f Foreign Transaction\nPenalty Fees\n\xe2\x97\x8f Late Payment\n\nCash advance APR: The current program APR which will be set by your credit rating at the time of\naccount opening.* The APR will vary with the market based on the Prime Rate.\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any\ninterest on purchases if you pay your entire balance by the due date each month. We will begin charging\ninterest on cash advances and balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nOption \xe2\x80\x9cA\xe2\x80\x9d - $25\nOption \xe2\x80\x9cB\xe2\x80\x9d \xe2\x80\x93 None\n\nNone.\nNone.\n1% of each transaction in U.S. dollars.\nUp to $22 -If your minimum monthly payment is not received by us on the due date on your monthly\nstatement, we may impose a late fee of up to $22 which will be reflected on the following monthly\nstatement.\n\xe2\x97\x8f Returned Check Fee\nUp to $20 - the Credit Union may charge a return check fee for each return by a bank or other depository\ninstitution of a dishonored check, negotiable order of withdrawal or share draft issued by cardholder(s)\nas payment on the credit card account.\n$2 - the Credit Union may charge a $2.00 fee for each duplicate copy of requested monthly billing\nOther Fees\n\xe2\x97\x8f Statement Copy\nstatement(s).\n\xe2\x97\x8f Ticket Copy\nThe Credit Union may charge for each duplicate copy of requested sales slip(s). However, if the request\nfor a duplicate copy of a sales slip is in connection with any disputed billing matter, (see \xe2\x80\x9cYOUR\nBILLING RIGHTS\xe2\x80\x9d), a fee will not be imposed.\n$25 - Travel and Entertainment documents\n$6 - Original sales slip\n$5 - Photocopy of sales slip\n\xe2\x97\x8f Card Replacement Fee\n$13 - the Credit Union may charge for each credit card that is reissued prior to the current cards\nexpiration date.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new purchases).\xe2\x80\x9d See the\nINTEREST CHARGE CALCULATION METHODS section of this cardholder agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is included in this cardholder\nagreement under the YOUR BILLING RIGHTS section.\n*The credit score ranges are as follows: Rate 1 (740 and above) Rate 2 (700-739) Rate 3 (660-699) Rate 4 (625-659) Rate 5 (0 to 624)\nYour account must be open to receive a Year-End Purchase Summary and to use other program benefits.\n\n1\n\n\x0cDEFINITIONS\nExcept as the context otherwise requires (a) \xe2\x80\x9cAccount(s)\xe2\x80\x9d\nmeans my Visa credit card account established with Tinker\nFederal Credit Union and governed by this Agreement; (b)\n\xe2\x80\x9cIssuer\xe2\x80\x9d and/or \xe2\x80\x9cCredit Union\xe2\x80\x9d means Tinker Federal Credit\nUnion of P.O. Box 45750, Tinker Air Force Base, Oklahoma\n73145; (c) \xe2\x80\x9cI,\xe2\x80\x9d \xe2\x80\x9cMe,\xe2\x80\x9d \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cMy,\xe2\x80\x9d \xe2\x80\x9cOur,\xe2\x80\x9d \xe2\x80\x9cMine,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d\n\xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and Cardholder(s)\xe2\x80\x9d mean all persons who\nhave signed the application for Visa and/or used or permitted\nothers to use the card; (d) the \xe2\x80\x9cCard\xe2\x80\x9d or \xe2\x80\x9cCards\xe2\x80\x9d means the\nVisa card(s) enclosed herewith; (e) \xe2\x80\x9cAgreement\xe2\x80\x9d means this\ndocument; (f) \xe2\x80\x9cCash Advance\xe2\x80\x9d means all cash advances\nobtained at any time through the use of the card from any\nfinancial institution authorized to honor the cards; (g) \xe2\x80\x9cCredit\nLimit\xe2\x80\x9d means the dollar amount Credit Union approved\nagainst which I may borrow in accordance with this\nAgreement; (h) \xe2\x80\x9cApplication\xe2\x80\x9d means the credit application\nI/We filled out and signed which is incorporated herein and\nmade a part of this Agreement; (i) \xe2\x80\x9cPrime Rate\xe2\x80\x9d means the\nrate published daily in The Wall Street Journal under the\ncaption \xe2\x80\x9cMoney Rates\xe2\x80\x9d and described as the base rate on\ncorporate loans at large United States money center\ncommercial banks. If the \xe2\x80\x9cPrime Rate\xe2\x80\x9d so published is a\nrange, the \xe2\x80\x9cPrime Rate\xe2\x80\x9d will mean the highest of the published\nrange.\nAGREEMENT TO EXTEND CREDIT\nCredit Union agrees to extend credit to cardholder and\nadvance amounts, up to cardholder\xe2\x80\x99s credit limit, to pay for:\n(i) all purchases of goods and services of whatever type and\nnature made at any time through the use of the card at\nbusinesses authorized to honor a card, and (ii) all cash\nadvances obtained at any time through the use of the card from\nany financial institution or ATM authorized to honor a card.\nPROMISE TO PAY AND PERSONS LIABLE\nBy signing the application, retaining, and/or using the card(s)\nor allowing an authorized party to use the card(s), I/We\npromise to pay to Credit Union, or anyone Credit Union\ndesignates, all amounts loaned under this Agreement plus the\napplicable interest charges, attorney\xe2\x80\x99s fees, court cases or\nother amounts that I/We owe Credit Union. If more than one\nperson applies for the card(s), each person will be issued a\ncard and will be a cardholder under this Agreement. The\ncardholder whose name appears first on the application will be\nconsidered the \xe2\x80\x9cPrimary Cardholder.\xe2\x80\x9d The cardholder will be\nresponsible for all purchases, cash advances, and all interest\ncharges imposed under this Agreement. If there is more than\none cardholder for the account, each cardholder will be liable\nfor all amounts payable on the account regardless of which\ncardholder is responsible for incurring such amounts. Each\ncardholder will also be responsible for complying with all of\nthe other terms of this Agreement.\nCREDIT LIMIT\nThe Credit Union has established an initial credit limit for\ncardholder\xe2\x80\x99s account(s) and reserves the right at any time, at\ncardholder\xe2\x80\x99s request or otherwise, to change the amount of\ncredit available through cardholder\xe2\x80\x99s Visa account(s).\nCardholder agrees not to incur charges or to permit others to\nincur charges that would result in credit in excess of\ncardholder\xe2\x80\x99s authorized amount. The Credit Union does not\nallow over-the-limit charges as a term of this product. If the\ncredit limit should be exceeded, for any reason, even\ninadvertently, cardholder agrees to pay the amount over the\n\nlimit immediately upon notice from the Credit Union.\nExamples of inadvertent excess of credit limit include, but are\nnot limited to, returned payments and merchandise\nauthorizations.\nINTEREST CHARGE CALCULATION METHODS\nThe interest charge calculation method applicable to your\naccount for cash advances and credit purchases of goods and\nservices that you obtain through the use of your card is\nexplained below. Calculation Method A is used to determine\nthe interest charge on cash advances. Calculation Method G is\nused to determine the interest charge on purchases of goods or\nservices.\nMethod A \xe2\x80\x93 The interest charge on cash advances begins to\naccrue on the date you obtain the cash advance or the first day\nof the billing cycle in which it is posted to your account,\nwhichever is later. The interest charges for a billing cycle are\ncomputed by applying the daily periodic rate to the average\ndaily balance multiplied by the number of days in the billing\ncycle OR the monthly periodic rate to the average daily\nbalance during the billing cycle, which is determined by\ndividing the sum of the daily balances during the billing cycle\nby the number of days in the cycle. Each daily balance is\ndetermined by adding to the previous balance (the outstanding\nbalance of your account at the beginning of the billing cycle)\nany new credit purchases posted to your account and any new\ncash advances received, and subtracting any payments as\nreceived or credits as posted to your account, but excluding\nany unpaid interest charges.\nMethod G \xe2\x80\x93 The interest charge on credit purchases begins to\naccrue on the date each purchase is posted to your account.\nTo avoid incurring an interest charge on the balance of credit\npurchases reflected on your monthly statement and on any\nnew credit purchases appearing on your next statement, you\nmust pay the new balance shown on your monthly statement\non or before the payment due date. The interest charges for a\nbilling cycle are computed by applying the daily periodic rate\nto the average daily balance multiplied by the number of days\nin the billing cycle OR the monthly periodic rate to the\naverage daily balance of credit purchases, which is determined\nby dividing the sum of the daily balances during the billing\ncycle by the number of days in the cycle. Each daily balance\nis determined by adding to the previous balance of credit\npurchases, any new credit purchases posted to your account\nand subtracting any payments as received and credits as posted\nto your account, but excluding any unpaid interest charges.\nOPTION \xe2\x80\x9cA\xe2\x80\x9d VARIABLE RATE DISCLOSURE\nThe Annual Percentage Rate is initially determined by your\ncredit rating. I understand that the monthly periodic rates and\nthe Annual Percentage Rates are variable rates that may\nchange from time to time. The current effective rates are\ndisclosed on the insert the Credit Union has furnished to me\nbased on my credit score at the time of account opening. My\nAnnual Percentage Rate (APR) may change (increase or\ndecrease) from time to time based on movements in the Prime\nRate, published in The Wall Street Journal on the 25th\ncalendar day prior to the beginning of the calendar quarter. If\nthis date falls on a weekend or holiday, the published rate on\nthe next business day will be utilized. My new rate will not\nbecome effective until after the end of my current billing cycle\nin which movement of the Prime Rate dictates a change to the\nAnnual Percentage Rate currently in effect.\n2\n\n\x0cRate 1 \xe2\x80\x93 If I receive Rate 1, the\nadding 4.9% to the Prime Rate.\nRate 2 \xe2\x80\x93 If I receive Rate 2, the\nadding 5.9% to the Prime Rate.\nRate 3 \xe2\x80\x93 If I receive Rate 3, the\nadding 6.9% to the Prime Rate.\nRate 4 \xe2\x80\x93 If I receive Rate 4, the\nadding 8.9% to the Prime Rate.\nRate 5 \xe2\x80\x93 If I receive Rate 5, the\nadding 10.9% to the Prime Rate.\n\nAPR will be determined by\nAPR will be determined by\nAPR will be determined by\nAPR will be determined by\nAPR will be determined by\n\nThe periodic rate will be adjusted after the end of my current\nbilling cycle in each calendar quarter in which movement of\nthe Prime Rate dictates a change. Calendar quarters begin\nJanuary 1, April 1, July 1, and October 1 of each year. I\nunderstand that my monthly periodic rate will be 1/12th of the\napplicable APR. If there is an increase in the Prime Rate, my\nminimum monthly payment may also increase. Likewise, if\nthe Prime Rate decreases, my minimum monthly payment may\nalso decrease. However, in no event will the Annual\nPercentage Rate exceed 18.0% (which corresponds to a\nmonthly rate of 1.5%)\nOPTION \xe2\x80\x9cB\xe2\x80\x9d VARIABLE RATE DISCLOSURE\nThe Annual Percentage Rate is initially determined by your\ncredit rating. I understand that the monthly periodic rates and\nthe Annual Percentage Rates are variable rates that may\nchange from time to time. The current effective rates are\ndisclosed on the insert the Credit Union has furnished to me\nbased on my credit score at the time of account opening. My\nAnnual Percentage Rate (APR) may change (increase or\ndecrease) from time to time based on movements in the Prime\nRate, published in The Wall Street Journal on the 25th\ncalendar day prior to the beginning of the calendar quarter. If\nthis date falls on a weekend or holiday, the published rate on\nthe next business day will be utilized. My new rate will not\nbecome effective until after the end of my current billing cycle\nin which movement of the Prime Rate dictates a change to the\nAnnual Percentage Rate currently in effect.\nRate 1 \xe2\x80\x93 If I receive Rate 1, the APR\nadding 5.5% to the Prime Rate.\nRate 2 \xe2\x80\x93 If I receive Rate 2, the APR\nadding 6.5% to the Prime Rate.\nRate 3 \xe2\x80\x93 If I receive Rate 3, the APR\nadding 7.5% to the Prime Rate.\nRate 4 \xe2\x80\x93 If I receive Rate 4, the APR\nadding 9.5% to the Prime Rate.\nRate 5 \xe2\x80\x93 If I receive Rate 5, the APR\nadding 11.5% to the Prime Rate.\n\nwill be determined by\nwill be determined by\nwill be determined by\nwill be determined by\nwill be determined by\n\nThe periodic rate will be adjusted after the end of my current\nbilling cycle in each calendar quarter in which movement of\nthe Prime Rate dictates a change. Calendar quarters begin\nJanuary 1, April 1, July 1, and October 1 of each year. I\nunderstand that my monthly periodic rate will be 1/12th of the\napplicable APR. If there is an increase in the Prime Rate, my\nminimum monthly payment may also increase. Likewise, if\nthe Prime Rate decreases, my minimum monthly payment may\nalso decrease. However, in no event will the Annual\nPercentage Rate exceed 18.0% (which corresponds to a\nmonthly rate of 1.5%)\nMONTHLY PAYMENTS\n\nCardholder(s) agree to pay monthly on or before the payment\ndue date either: (i) the total \xe2\x80\x9cNew Balance\xe2\x80\x9d which includes\nany of the previous unpaid balances, purchases, cash\nadvances, payments and credits or (ii) at least the \xe2\x80\x9cMinimum\nPayment\xe2\x80\x9d required, which is the greater of $15.00 or 3% of\nthe outstanding \xe2\x80\x9cNew Balance\xe2\x80\x9d as shown on the monthly\nstatement. Payment \xe2\x80\x9cDue Date\xe2\x80\x9d on the statement is twentyfive (25) days from the statement\xe2\x80\x99s \xe2\x80\x9cClosing Date.\xe2\x80\x9d The\namounts paid as part of the Minimum Payment and all\namounts paid over the Minimum Payment are applied to\nbalances as permitted by law. We do not charge interest on\ninterest.\nAll payments shall be considered made when received on any\nbusiness day (excluding federal holidays), when received at\nTinker Federal Credit Union\xe2\x80\x99s billing address, P.O. Box\n45750, Tinker AFB, OK 73145, and when accompanied by the\nreturn portion of the cardholder statement\n\nCREDIT CARD LOSS OR FRAUDULENT TRANSFERS\nUnder the Fair Credit Billing Act, your liability for\nunauthorized use of your card is capped at $50. However, if\nyou report the loss of your card before your credit card is used,\nyou are not responsible for any charges you did not authorize.\nLikewise, if you exercise reasonable care in safeguarding your\ncard from loss or theft and promptly report any loss or theft of\nyour card to TFCU you have ZERO liability. TFCU must be\nnotified of loss, theft, or possible unauthorized use of the\ncredit card by notification in person, by calling (405) 7320324, option 6, or 1-800-456-4828, option 6, or by writing to\nTFCU at P.O. Box 45750, Tinker AFB, Oklahoma 73145,\nAttn: Credit Card Department. If your credit card number is\nstolen, but not the card, you are not liable for any unauthorized\nuse. If you dispute any transaction, while we investigate, you\nmust timely pay other amounts owing, including finance\ncharges on the disputed amount.\nATTORNEY\xe2\x80\x99S FEES\nCardholder agrees to pay all reasonable costs of collection\nincluding reasonable attorney\xe2\x80\x99s fees not in excess of fifteen\npercent (15%) of the unpaid debt, court costs, and other lawful\ncharges incurred by the Credit Union in collecting the\ncardholder\xe2\x80\x99s indebtedness, whether or not suit is brought.\nDISCLAIMER OF LIABILITY\nThe Credit Union shall not be responsible if a merchant or\nfinancial institution shall refuse to honor any card. Refusal to\nhonor shall not affect or impair the obligation of cardholder to\npay all sums due on an account in accordance with the terms\nhereof. Notices hereunder shall be effective only if given in\nwriting to Credit Union at its office and to cardholder at my\nlast known mailing address, as shown on Credit Union\xe2\x80\x99s\nrecords.\nOWNERSHIP OF CARDS\nCard(s) shall at all times remain the property of the Credit\nUnion; the cardholder agrees to surrender them upon demand.\nThe Credit Union may revoke the credit cards and cancel my\nline of credit if issuer reasonably believes prospects of\nrepayment are impaired, then the unpaid balance becomes\nimmediately due and payable at once and my line of credit is\ncancelled. If Credit Union revokes the credit cards and\ncancels the credit line, this does not affect cardholder\xe2\x80\x99s\nobligations to repay the credit union. Cardholder may cancel\n3\n\n\x0caccount by written notice and return of the cut cards to the\nCredit Union\xe2\x80\x99s Credit Card Department.\n\nAMENDMENT\nI agree that the terms of this Agreement are applicable to any\ncardholder. I also agree that Credit Union may change the\nterms of this Agreement at any time with written notice\nrequired by law before the change becomes effective. Any\nchanges to the Agreement may apply to all outstanding\nindebtedness incurred before, on, or after the effective date of\nthe changes. Cardholder\xe2\x80\x99s failure to terminate the account\nprior to the effective date of an Amendment shall constitute\nacceptance of such Amendment. To terminate the account, all\ncredit cards must be returned to Tinker Federal Credit Union\nCredit Card Department and the cardholder will be required to\npay the account in accordance with the terms of the\nCardholder Agreement and Disclosure Statement.\nCHOICE OF LAW\nI acknowledge and understand that the obligations under this\nAgreement represented by charges to my account(s) were\ncontracted for and became binding when the sales drafts, card\nslips or other credit devices were accepted by the Credit Union\nand caused the holder of the same to be paid, and this occurred\nin Oklahoma County, and the courts of Oklahoma County\nshall have venue to try controversies arising out of this\nagreement. If any portion of the Agreement is determined to\nbe unenforceable, it will not make any other part\nunenforceable.\nIRREGULAR PAYMENTS: DELAY IN\nENFORCEMENT\nThe Credit Union can accept late payments, partial payments,\nchecks and money orders marked \xe2\x80\x9cPaid in Full\xe2\x80\x9d or language\nhaving the same effect without losing any of the cardholder\xe2\x80\x99s\nrights under this Agreement. The Credit Union can also delay\nenforcing our rights under this Agreement any number of\ntimes without losing them. The fact that the Credit Union may\nhonor a purchase or cash advance in excess of the credit limit\ndoes not obligate the Credit Union to do so thereafter.\nEVENTS OF DEFAULT\nI will be in default under this Plan and Agreement if any of the\nfollowing events shall occur:\n(a) If I fail to comply with the minimum payment or any\nother terms or conditions of this Agreement I may have\nwith you;\n(b) If I should die or become insolvent;\n(c) If a petition should be filed or other proceeding should be\nstarted under the Federal Bankruptcy Code or any State\ninsolvency Statute by or against me;\n(d) If a receiver should be appointed or a writ or order of\nattachment, levy or garnishment should be issued against\nme or any of my property, assets or income;\n(e) If Credit Union should consider itself or any debts due\nunder this Agreement unsafe or not completely secure of\nif Credit Union should believe, in good faith, that the\nchances of my paying or performing all of my obligations\nunder this Agreement have been impaired; or\n(f) If anything in the application or use of this card is\nmisrepresented or used for any fraudulent purchase.\nENTIRE BALANCE DUE\n\nIf any of the above events of default should occur, my entire\noutstanding balance shall immediately become due and\npayable, without Credit Union notifying me, with interest due\non the balance at the applicable APR as provided herein per\nyear until paid, and Credit Union\xe2\x80\x99s obligations to honor my\nuse of the card to get credit extensions from anyone or to\nmake further advances to me shall, at Credit Union\xe2\x80\x99s option,\nand without notice, immediately end. If I fail to pay the\noutstanding balance immediately, on Credit Union\xe2\x80\x99s demand, I\nagree to pay all of Credit Union\xe2\x80\x99s collection expenses,\nincluding Credit Union\xe2\x80\x99s reasonable attorney\xe2\x80\x99s fees.\nFOREIGN EXCHANGE RATE AND INTERNATIONAL\nSERVICE ASSESSEMENT (ISA) FEE\nOn all international purchases, credit vouchers, and cash\ndisbursements (which would include credit purchases and cash\nadvances), i.e. all transactions where a merchant country\ndiffers from the country of the card issuer (1) the foreign\nexchange rate which will be charged will be a rate selected by\nVISA from the range of rates available in wholesale currency\nmarkets for the applicable processing date (which may vary\nfrom the rate VISA itself receives) or the government\nmandated rate in effect for the applicable central processing\ndate and (2) in addition, a one percent (1%) International\nService Assessment (ISA) fee will be charged.\nILLEGAL TRANSACTIONS\nA credit card may not be used for an illegal transaction.\nCertain transactions are prohibited from being processed\nthrough your account with the Credit Union under the\nUnlawful Internet Gambling Enforcement Act of 2006 (\xe2\x80\x9cthe\nAct\xe2\x80\x9d) and related regulations issued by the Board of\nGovernors of the Federal Reserve System and the United\nStates Department of the Treasury (\xe2\x80\x9cRegulation GG\xe2\x80\x9d). The\nCredit Union is required by the Act and Regulation GG to\ninform you of this restriction.\nThe transactions which are prohibited are the following\ntransactions or transmittals involving any credit, funds,\ninstrument, or proceeds that the Act prohibits any person\nengaged in the business of betting or wagering (except for the\nactivities of a financial transaction provider, or any interactive\ncomputer service or telecommunications service) from\nknowingly accepting, in connection with the participation of\nanother person in unlawful Internet gambling:\n\xe2\x96\xa0 Credit, or the proceeds of credit, extended to or on behalf of\nsuch person (including credit extended through the use of a\ncredit card);\n\xe2\x96\xa0 An electronic fund transfer, or funds transmitted by or\nthrough a money transmitting business, or the proceeds of an\nelectronic fund transfer or money transmitting service, from or\non behalf of such other person; and\n\xe2\x96\xa0 Any check, draft, or similar instrument that is drawn by or\non behalf of such other person and is drawn on or payable at\nor through any financial institution.\nInternet gambling will generally be deemed to be unlawful\nunless it is expressly authorized by license issued by an\nappropriate State or Tribal authority.\nCREDIT INVESTIGATION\nSince Credit Union has the sole right to approve my\napplication and allow me to use the card(s) now and in the\nfuture, I authorize Credit Union at any time to make or have\n4\n\n\x0cmade whatever credit investigation Credit Union feels is\nproper to evaluate my credit, personal or financial standing\nand /or employment, and I authorize Credit Union to share my\ncredit experience with credit bureaus. I also agree to furnish\nCredit Union current financial statements in such details as\nCredit Union may require on an annual basis and more\nfrequently at Credit Union\xe2\x80\x99s request.\n\nFor the purpose of the following sections only, \xe2\x80\x9cYou\xe2\x80\x9d/\xe2\x80\x9dYour\xe2\x80\x9d\nmeans all persons who have signed the application for Visa\nand used or permitted others to use the card; and \xe2\x80\x9cUs\xe2\x80\x9d/\xe2\x80\x9dWe\xe2\x80\x9d\nmeans Tinker Federal Credit Union of PO Box 45750, Tinker\nAir Force Base, Oklahoma 73145.\nYOUR PERSONAL IDENTIFICATION NUMBER\nWithin the next few days, you will be receiving a Personal\nIdentification Number (PIN). This personal identification\nnumber is being assigned to your account to allow you access\nto ever-expanding networks of automated teller machines\n(ATMs) in this area, across the country, and overseas.\nBecause each ATM is slightly different, simply insert your\ncard in the slot and follow the directions that will appear on\nthe screen. Some important directions will come with the\nidentification number, and we ask that you follow those\ninstructions carefully to protect your card from unauthorized\nuse.\nAUTOMATIC UPDATE SERVICE\nAs part of the services provided by VISA, VISA now requires\ncard issuers to participate in the VISA Automatic Updater\n(\xe2\x80\x9cVAU\xe2\x80\x9d) services. VISA will monitor changes to your account\ninformation and automatically update your account\ninformation, if changes to your account are detected by VISA.\nThe auto-updated information may include a change in your\nname, card account number, and other important and relevant\ninformation impacting your card account and potential\nactivity; this will allow you to continue to use your card\nwithout interruption. If you do not want your information to be\nautomatically updated by VISA, then please contact us to\ndiscuss options.\n\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT\nFOR FUTURE USE\nThis notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR\nSTATEMENT\nIf you think there is an error on your statement, write to us at\nTinker Federal Credit Union, P.O. Box 45750, Tinker AFB,\nOklahoma 73145, Attn: Credit Card Department.\nIn your letter give us the following information:\n\xef\x82\xb7 Account information: Your name and account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected\nerror.\n\xef\x82\xb7 Description of problem: If you think there is an error\non your bill, describe what you believe is wrong and\nwhy you believe it is a mistake.\nYou must contact us:\n\n\xef\x82\xb7\n\xef\x82\xb7\n\nWithin 60 days after the error appeared on your\nstatement.\nAt least 3 business days before an automated payment\nis scheduled, if you want to stop payment on the\namount you think is wrong.\n\nYou must notify us of any potential errors in writing. You\nmay call us, but if you do we are not required to investigate\nany potential errors and you may have to pay the amount in\nquestion.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR\nLETTER\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell\nyou that we received your letter. We will also tell\nyou if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must\neither correct the error or explain to you why we\nbelieve the bill is correct.\nWhile we investigate whether or not there has been an\nerror:\n\xef\x82\xb7 We cannot try to collect the amount in question, or\nreport you as delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xef\x82\xb7 While you do not have to pay the amount in question,\nyou are responsible for the remainder of your balance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit\nlimit.\nAfter we finish our investigation, one of two things will\nhappen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the\namount in question or any interest or other fees related\nto that amount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will\nhave to pay the amount in question, along with\napplicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment\nis due. We may then report you as delinquent if you\ndo not pay the amount we think you owe.\n\nIf you receive our explanation but still believe your bill is\nwrong, 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\ndelinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those\norganizations know when the matter has been settled between\nus.\nIf we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill\nis correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH\nYOUR CREDIT CARD PURCHASES\nIf you are dissatisfied with the goods or services that you have\n5\n\n\x0cpurchased with your credit card and you have tried in good\nfaith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home\nstate or within 100 miles of your current mailing\naddress, and the purchase price must have been more\nthan $50. (Note: Neither of these are necessary if\nyour purchase was based on an advertisement we\nmailed to you, or if we own the company that sold\nyou the goods or services.)\n2. You must have used your credit card for the\npurchase. Purchases made with cash advances from\nan ATM or with a check that access your credit card\naccount do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied\nwith the purchase, contact us in writing at:\nTinker Federal Credit Union\nP.O. Box 45750\nTinker AFB, OK 73145\nAttn: Credit Card Department\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you\nowe any amount and you do not pay, we may report you as\ndelinquent.\n\n6\n\n\x0c'