b'P. O. Box 983\nTemple, Texas 76503\n254.773.1604\nTexell.org\n\nCREDIT CARD ACCOUNT AGREEMENT AND FEDERAL\nDISCLOSURE STATEMENT; SECURITY AGREEMENT;\nMILITARY ANNUAL PERCENTAGE RATE (MAPR) AND\nPAYMENT OBLIGATION DISCLOSURE ("Agreement")\nNumbers, phrases, or words preceded by a\n\nare applicable only if the\n\nis marked, e.g.\n\nACCOUNT-OPENING DISCLOSURES\nInterest Rate and Interest Charges\nAnnual Percentage Rate\n(APR) For Purchases\n\n%\n\nVISA Platinum BONUS: ____________\nIntroductory APR for 6 months or 6 full\nbilling cycles after Your Account is opened, whichever is greater.\nAfter that Your APR will be ____________\nbased on the Prime Rate.\n\n%. This APR will vary with the market\n\n%\n\nVISA Signature BONUS: ____________\nIntroductory APR for 6 months or 6 full\nbilling cycles after Your Account is opened, whichever is greater.\nAfter that Your APR will be ____________\nbased on the Prime Rate.\n\n%. This APR will vary with the market\n\n%\n\nVISA Aspire: ____________\nThis APR will vary with the market based on the Prime Rate.\nAPR For Balance Transfers\n\nVISA Platinum BONUS: ____________% Introductory APR for 6 months or 6 full billing\ncycles after Your Account is opened, whichever is greater.\nAfter that Your APR will be ____________%. This APR will vary with the market\nbased on the Prime Rate.\nVISA Signature BONUS: ____________% Introductory APR for 24 months or 24 full\nbilling cycles after Your Account is opened, whichever is greater.\nAfter that Your APR will be ____________%. This APR will vary with the market\nbased on the Prime Rate.\nVISA Aspire: ____________%\nThis APR will vary with the market based on the Prime Rate.\n\nAPR For Cash Advances\n\nVISA Platinum BONUS: ____________%\nThis APR will vary with the market based on the Prime Rate.\nVISA Signature BONUS: ____________%\nThis APR will vary with the market based on the Prime Rate.\nVISA Aspire: ____________%\nThis APR will vary with the market based on the Prime Rate.\nVISA Platinum BONUS & VISA Signature BONUS \xe2\x80\x93 Your due date will be at least 25\ndays following the statement closing date. We will not charge You interest on purchases\nif You pay Your entire balance owed each month by the payment due date. We will not\ncharge You interest on balance transfers prior to the expiration of any Introductory Rate\nperiod if You pay Your entire balance owed each month by the payment due date during\nthat period. We will begin charging interest on cash advances on the transaction date.\n\nPaying Interest\n\nVISA Aspire \xe2\x80\x93 Your due date will be at least 25 days following the statement closing\ndate. We will not charge You interest on purchases if You pay Your entire balance owed\neach month by the payment due date. We will begin charging interest on balance\ntransfers and cash advances on the transaction date.\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a Credit\nCard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nSEE TOP OF PAGE 2 for more important information about Your account.\nCopyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.\n\nPage 1 of 7\n\nOTBS 045 TEXL (7/19)\n\n\x0cFees\nTransaction Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\nOverdraft Transfer\nCash Advance\n\n\xef\x82\xb7\n\nBalance Transfer\n\nFor VISA Platinum BONUS and VISA Aspire, $8.00 for each transfer\nFor VISA Platinum BONUS and VISA Aspire, $8.00 for each advance\nFor VISA Signature BONUS, $15.00 for each advance\nFor VISA Platinum BONUS and VISA Aspire, $8.00 for each transfer not subject to an\nIntroductory APR\nFor VISA Signature BONUS, 3.00% [$8.00 minimum] for each transfer not subject to an\nIntroductory APR\n\nPenalty Fees\n\xef\x82\xb7\n\xef\x82\xb7\n\nLate Payment\nReturned Payment\n\nUp to $35.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)." See Your\nAccount Agreement for details.\nBilling Rights: Information on Your rights to dispute transactions and how to exercise those rights is provided in Your\nAccount Agreement.\n\nSEE PAGE 1 for more important information about Your account.\nSECURITY AGREEMENT\nBorrower(s):\nCredit Card Account Number:\n\nSECURITY INTEREST\n\nTo secure all obligations of Borrower(s) hereunder to the Credit Union You grant and consent to a lien on Your shares, and if described\nbelow, You also give a security interest and lien in and upon the shares (Collateral) identified separately below, and any related insurance\npremium refunds.\n\nCONSENSUAL LIEN ON SHARES. You grant and consent to a lien on Your shares with Us, in either joint or individual accounts (except for IRA and\nKeogh accounts), and any dividends due or to become due to You from Us to the extent You owe on any unpaid Credit Card balance. You acknowledge\nthat it is Your intention for such consensual lien to apply to all shares currently on deposit, together with any shares You may deposit in the future. You\nfurther acknowledge that in the event You default on Your Account, We will set-off any Credit Card indebtedness against such shares, and You agree\nthat We may do so without any further notice to You.\nDESCRIPTION (Account Type(s) Pledged)\n\nACCOUNT NUMBER (Account Number(s) Pledged)\n\nAMOUNT PLEDGED\n\nBy signing below, You acknowledge that You have read this entire Agreement, that You understand it, that You accept and agree to all of the terms and conditions\ndescribed in it, and that You have received a completed copy of it. You authorize Us to accept Your facsimile signatures and agree that Your facsimile signature will\nhave the same legal force and effect as Your original signature. You assume any risk that may be associated with permitting Us to accept Your facsimile signature.\n\nX\nName of Borrower\n\nSignature of Borrower\n\nName of Borrower\n\nSignature of Borrower\n\nDate\n\nX\n\nCopyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.\n\nPage 2 of 7\n\nDate\nOTBS 045 TEXL (7/19)\n\n\x0cOVERDRAFT PROTECTION. We may transfer funds in the amount necessary (or in such increments as We may from time to time determine) to Your share draft\naccount by an advance on Your Account, subject to this provision, to clear any overdraft on Your share draft account. Whether or not such transfers occur will be\ncontrolled by this Agreement. In any event, You hold Us harmless for any and all liability which might otherwise arise if the transfer does not occur. Overdraft\nprotection automatically ceases if this Agreement is ever cancelled or terminated or Your Account is in default.\nIf You currently have a share draft account, You authorize Us to pay any of Your overdrafts in the order listed below, and Yo u acknowledge that any advance\nmade to clear an overdraft will only be made if You have sufficient available credit. If no priority is listed, then any such overdrafts will only be charged to\nYour Account (subject to Your available Credit Limit). If You do not have a share draft account at this time, and subsequently establish such an account in\nthe future, You acknowledge that the order in which any overdrafts will be paid shall be subject to the preference You have separately indicated to Us for\nclearing any overdrafts.\n\n1. ______________________________________________________________________________________________________________________________\n\n2. ______________________________________________________________________________________________________________________________\n\n3. ______________________________________________________________________________________________________________________________\n\nSTATEMENT OF THE MILITARY ANNUAL PERCENTAGE RATE (MAPR), AND PAYMENT OBLIGATION DISCLOSURE\nIf these disclosures were not provided to You in-person, We will\nalso provide these disclosures to You orally, if You contact Us\nat the toll-free number set forth herein.\n\nToll-Free Number: __________855.351.7048__________\n\nSTATEMENT OF THE MILITARY ANNUAL PERCENTAGE RATE (MAPR)\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In\ngeneral, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of\n36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified\ncredit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).\n\nPAYMENT OBLIGATION DISCLOSURE\nPlease refer to the important Account-Opening Disclosures required by the federal Truth in Lending Act, including Your Credit Card Account\nAgreement And Federal Disclosure Statement for important information about Your payment obligations. This Agreement is being furnished to You\nat or before the time Your open-end credit account is established.\n\n[The remainder of this page is intentionally left blank]\n\nCopyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.\n\nPage 3 of 7\n\nOTBS 045 TEXL (7/19)\n\n\x0cCREDIT CARD ACCOUNT AGREEMENT AND FEDERAL DISCLOSURE STATEMENT\nTHIS IS YOUR CREDIT CARD ACCOUNT AGREEMENT AND IT INCLUDES NECESSARY FEDERAL TRUTH-IN-LENDING DISCLOSURE STATEMENTS, VISA\nPLATINUM BONUS, VISA SIGNATURE BONUS, AND VISA ASPIRE CREDIT CARD AGREEMENTS, AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF\nYOUR VISA PLATINUM BONUS, VISA SIGNATURE BONUS, AND VISA ASPIRE CREDIT CARD, AND/OR ANY OTHER ACCOUNT ACCESS DEVICE. PLEASE BE\nCERTAIN TO READ THIS AGREEMENT CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.\nDEFINITIONS. In this Agreement, the reference to "We," "Us," "Our" and "Credit Union" means TEXELL CREDIT UNION. The words "You" and "Your" mean each person\naccepting this Agreement. If this is a joint Account, read singular pronouns in the plural. The words "Card" and "Credit Card" mean any VISA Platinum BONUS, VISA Signature\nBONUS, or VISA Aspire Credit Card issued to You by Us and any duplicates or renewals. The word "Account" means the VISA Platinum BONUS, VISA Signature BONUS, or\nVISA Aspire Credit Card Account established for You under this Agreement. "Convenience Check" means the special Account access devices that We may provide for Your\nuse from time to time. If this is a joint Account, read singular pronouns in the plural.\nPROMISE TO PAY. You understand that the following terms and conditions constitute Our Agreement with You. You may request advances on Your Account through a variety\nof means which could include (but may not be limited to) telephonic requests, Convenience Checks, Credit Cards and the like. Regardless of the means by which any advance\nis made, You promise to pay Us all amounts charged to Your Account by You or by any user who has access to Your Account, with actual, apparent or implied authority for\nuse of Your Account, including Finance Charges and other fees or charges described herein.\n\nVariable Rate\nCredit Card\n\nDaily Periodic Rate\nFor Purchases\n\nANNUAL PERCENTAGE RATE\nFor Purchases\n\nIndex\n\nMargin\n\nVISA Platinum BONUS\n\n____________\n\n____________\n\n____________%\n\n____________%\n\nVISA Signature BONUS\n\n____________\n\n____________\n\n____________%\n\n____________%\n\nVISA Aspire\n\n____________\n\n____________\n\n____________%\n\n____________%\n\nDaily Periodic Rate\nFor Balance Transfers\n\nANNUAL PERCENTAGE RATE\nFor Balance Transfers\n\nVariable Rate\n\nCredit Card\nIndex\n\nMargin\n\nVISA Platinum BONUS\n\n____________\n\n____________\n\n____________%\n\n____________%\n\nVISA Signature BONUS\n\n____________\n\n____________\n\n____________%\n\n____________%\n\nVISA Aspire\n\n____________\n\n____________\n\n____________%\n\n____________%\n\nDaily Periodic Rate\nFor Cash Advances\n\nANNUAL PERCENTAGE RATE\nFor Cash Advances\n\nVariable Rate\n\nCredit Card\nIndex\n\nMargin\n\nVISA Platinum BONUS\n\n____________\n\n____________\n\n____________%\n\n____________%\n\nVISA Signature BONUS\n\n____________\n\n____________\n\n____________%\n\n____________%\n\nVISA Aspire\n\n____________\n\n____________\n\n____________%\n\n____________%\n\nUSE OF YOUR CARD. You may use Your Card to buy goods and services\nin any place that it is honored and to get cash advances at participating financial\ninstitutions. You agree not to use Your Card for illegal transactions including, but\nnot limited to, advances made for the purpose of gambling and/or wagering\nwhere such practices are in violation of applicable state and/or federal law.\nSECURITY. Collateral (other than household goods or any dwelling) given as\nsecurity under any other loan You may have with Us will secure all amounts You\nowe Us now and in the future if that status is reflected in the "Truth-in-Lending\nDisclosure" in any particular Agreement evidencing such debt.\nACCOUNT RESTRICTIONS \xe2\x80\x93 VISA ASPIRE. In order to receive and maintain a VISA\nAspire Credit Card, You have given Us a specific pledge of shares (Collateral) which is\ndescribed above in the Security Agreement section of this Agreement. In the event that\nYou default on Your Account, We may apply these shares toward the repayment of any\namount owed on Your VISA Aspire Credit Card. You may cancel Your VISA\nAspire Credit Card at any time by paying any amounts owed on such Account. You\nunderstand that all shares pledged as Collateral must remain on deposit at all times,\nexcept to the extent that You repay all amount(s) You owe to Us and close Your Account.\nTo be certain that Your entire balance and all advances are paid, the shares pledged\nmay not be available to You for at least 30 days after You have cancelled and any\noutstanding balance is paid in full.\nLINE OF CREDIT LIMITS. You will be notified of each specific Credit Limit for which\nYou are approved. Unless You are in default, the Credit Limits established for You\nwill generally be self-replenishing as You make payments. You will keep Your\nunpaid balance within Your Credit Limit set by Us, and You will pay any amount\nover Your Credit Limit on Our demand whether or not We authorize the advances\nwhich caused You to exceed Your Credit Limit. Even if Your unpaid balance is less\nCopyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.\n\nthan Your Credit Limit, You will have no credit available during any time that any\naspect of Your Account is in default.\nJOINT ACCOUNTS. Each Borrower will be responsible, jointly and severally, for the\nrepayment of any amounts owed. If any Account access device, such as a Personal\nIdentification Number (PIN) is requested and approved, You understand that any such\nAccount access device(s) will be mailed only to the primary Borrower at the address\nthat We have on file for You. We may refuse to follow any instructions which run\ncounter to this provision.\nMINIMUM MONTHLY PAYMENTS (PAYMENT SCHEDULE). Though You need only\npay the Minimum Monthly Payments, You understand that You have the right to repay\nat any time without penalty. You also understand that You will only be charged periodic\nFinance Charges to the date You repay Your entire balance. You may make larger\npayments without penalty. Any partial payment or prepayment will not delay Your next\nscheduled payment. All payments to Us must be in lawful money of the United States.\nExcept as required by law, We may apply payments at Our discretion. Any unpaid portion\nof the Finance Charge will be paid by subsequent payments and will not be added to\nYour principal balance. You understand that any delay in the repayment of Your unpaid\nbalance will increase Your periodic Finance Charges and any acceleration in the\nrepayment of Your unpaid balance will decrease Your periodic Finance Charges.\nMinimum Monthly Payments will be an amount equal to 3.00% of Your new unpaid\nAccount balance at the end of each billing cycle, subject to the lesser of $25.00 or\nYour balance, plus any portion of the Minimum Payments shown on prior statement(s)\nwhich remains unpaid, plus any amount that exceeds Your approved Credit Limit.\nYou may authorize Us to charge Your payment directly to Your share or share\ndraft account.\n\nPage 4 of 7\n\nOTBS 045 TEXL (7/19)\n\n\x0cFINANCE CHARGES.\nforth below.\n\nFinance charges on Your Account will accrue as set\n\nVISA Platinum BONUS, VISA Signature BONUS, and VISA Aspire \xe2\x80\x93 Purchase\nTransactions. In the case of any purchase transactions under Your Account, the\nbalances subject to the periodic Finance Charge are the average daily transactions\nbalances outstanding during the month (including new transactions). To get the\naverage daily balance for purchases, We take the beginning balance for purchases\neach day, add any new purchases, debit adjustments or other charges and subtract\nany payments credited to purchases, credits and unpaid Finance Charges. This gives\nUs the daily balance for purchases. Then, We add up all the daily balances for\npurchases for the billing cycle being accounted for and divide them by the number of\ndays in the billing cycle. The Finance Charge for purchases for each billing cycle is\ncomputed by multiplying the average daily balance for purchases that is subject to a\nFinance Charge by the Daily Periodic Rate times the number of days in the\nbilling cycle.\nVISA Platinum BONUS, VISA Signature BONUS, and VISA Aspire \xe2\x80\x93 Grace Period\non Purchase Transactions. Your due date is at least 25 days after Your statement\nclosing date. You can avoid Finance Charges on purchases by paying the full amount\nof the entire balance owed each month by Your payment due date. Otherwise, the\nnew balance of purchases, and subsequent purchases from the date they are posted\nto Your Account, will be subject to a Finance Charge.\nVISA Platinum BONUS \xe2\x80\x93 Introductory Rate on Purchase Transactions. For VISA\nPlatinum BONUS, each purchase transaction obtained during the first 6 billing cycles\nfollowing the date that Your Account is established will accrue Finance Charges at a\ndiscounted Introductory Daily Periodic Rate of ___________% (corresponding\nANNUAL PERCENTAGE RATE __________%) for a period ending with the 6th\ncomplete billing cycle following the date of Card issuance. Upon the expiration of\nan Introductory Rate period each such balance will be subject to the nonintroductory Variable Rate described elsewhere in this Agreement. If Your Account\nwas not subject to this Introductory Rate the balance for purchases would have\naccrued Finance Charges at the Daily Periodic Rate and corresponding Annual\nPercentage Rate described elsewhere in this Agreement.\nVISA Signature BONUS \xe2\x80\x93 Introductory Rate on Purchase Transactions. For VISA\nSignature BONUS, each purchase transaction obtained during the first 6 billing cycles\nfollowing the date that Your Account is established will accrue Finance Charges at a\ndiscounted Introductory Daily Periodic Rate of ___________% (corresponding\nANNUAL PERCENTAGE RATE __________%) for a period ending with the 6th\ncomplete billing cycle following the date of Card issuance. Upon the expiration of\nan Introductory Rate period each such balance will be subject to the nonintroductory Variable Rate described elsewhere in this Agreement. If Your Account\nwas not subject to this Introductory Rate the balance for purchases would have\naccrued Finance Charges at the Daily Periodic Rate and corresponding Annual\nPercentage Rate described elsewhere in this Agreement.\nVISA Platinum BONUS, VISA Signature BONUS, and VISA Aspire \xe2\x80\x93 Balance\nTransfer Transactions. In the case of any balance transfer transactions under Your\nAccount, the balances subject to the periodic Finance Charge are the average daily\ntransactions balances outstanding during the month (including new transactions). To\nget the average daily balance for balance transfers, We take the beginning balance\nfor balance transfers each day, add any new balance transfers, debit adjustments or\nother charges and subtract any payments credited to balance transfers, credits and\nunpaid Finance Charges. This gives Us the daily balance for balance transfers. Then,\nWe add up all the daily balances for balance transfers for the billing cycle being\naccounted for and divide them by the number of days in the billing cycle. The Finance\nCharge for balance transfers for each billing cycle is computed by multiplying the\naverage daily balance for balance transfers that is subject to a Finance Charge by the\nDaily Periodic Rate.\nVISA Platinum BONUS, VISA Signature BONUS and VISA Aspire \xe2\x80\x93 No Grace\nPeriod on Balance Transfer Transactions. Balance transfers obtained through the\nuse of Your VISA Platinum BONUS, VISA Signature BONUS, and VISA Aspire Credit\nCards are always subject to a Finance Charge from the date they are posted to\nYour Account.\nVISA Platinum BONUS \xe2\x80\x93 Introductory Rate on Balance Transfer Transactions. For\nVISA Platinum BONUS, each balance transfer transaction obtained during the first 6\nbilling cycles following the date that Your Account is established will accrue Finance\nCharges at a discounted Introductory Daily Periodic Rate of ___________%\n(corresponding ANNUAL PERCENTAGE RATE __________%) for a period ending\nwith the 6th complete billing cycle following the date of Card issuance. Upon the\nexpiration of an Introductory Rate period each such balance will be subject to the nonintroductory Variable Rate described elsewhere in this Agreement. If Your Account\nwas not subject to this Introductory Rate the balance for balance transfers would have\naccrued Finance Charges at the Daily Periodic Rate and corresponding Annual\nPercentage Rate described elsewhere in this Agreement.\n\nCopyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.\n\nVISA Signature BONUS \xe2\x80\x93 Introductory Rate on Balance Transfer Transactions.\nFor VISA Signature BONUS, each balance transfer transaction obtained during the first\n24 billing cycles following the date that Your Account is established will accrue Finance\nCharges at a discounted Introductory Daily Periodic Rate of ___________%\n(corresponding ANNUAL PERCENTAGE RATE __________%) for a period ending\nwith the 24th complete billing cycle following the date of Card issuance. Upon the\nexpiration of an Introductory Rate period, each such balance will be subject to the nonintroductory Variable Rate described elsewhere in this Agreement. If Your Account was\nnot subject to this Introductory Rate the balance for balance transfers would have\naccrued Finance Charges at the Daily Periodic Rate and corresponding Annual\nPercentage Rate described elsewhere in this Agreement.\nVISA Platinum BONUS, VISA Signature BONUS, and VISA Aspire \xe2\x80\x93 Cash Advance\nTransactions. In the case of any cash advance transactions under Your Account, the\nbalances subject to the periodic Finance Charge are the average daily transactions\nbalances outstanding during the month (including new transactions). To get the\naverage daily balance for cash advances, We take the beginning balance for cash\nadvances each day, add any new cash advances, debit adjustments or other charges\nand subtract any payments credited to cash advances, credits and unpaid Finance\nCharges. This gives Us the daily balance for cash advances. Then, We add up all the\ndaily balances for cash advances for the billing cycle being accounted for and divide\nthem by the number of days in the billing cycle. The Finance Charge for cash\nadvances for each billing cycle is computed by multiplying the average\ndaily balance for cash advances that is subject to a Finance Charge by the Daily\nPeriodic Rate.\nVISA Platinum BONUS, VISA Signature BONUS, and VISA Aspire \xe2\x80\x93 No Grace\nPeriod on Cash Advance Transactions. Cash advances obtained through the use\nof Your VISA Platinum BONUS Credit Card, VISA Signature BONUS Credit Card,\nand/or VISA Aspire Credit Card are always subject to a Finance Charge from the date\nthey are posted to Your Account.\nVARIABLE RATE. For VISA Platinum BONUS and VISA Signature BONUS, following\nthe expiration of the Introductory Rate period, all purchase and balance transfers\ntransactions are subject to a Variable Rate which is based on the highest Prime Rate\nas published in the Money Rates section of The Wall Street Journal in effect on the day\nthe Introductory Rate period expires, and subsequently, on the last day of each\ncalendar quarter of each year (\xe2\x80\x9cIndex\xe2\x80\x9d) plus Our Margin. The Index plus the Margin\nequals the Interest Rate. Changes in the Index will cause changes in the Interest Rate\non the day the Introductory Rate period expires, and subsequently, on the first day of\nthe calendar quarter that immediately follows a change in the Index.\nFor VISA Platinum BONUS and VISA Signature BONUS, balances for cash advance\ntransactions are subject to a Variable Rate which is based on the highest Prime Rate as\npublished in the Money Rates section of The Wall Street Journal in effect on the last day\nof each calendar quarter of each year (\xe2\x80\x9cIndex\xe2\x80\x9d) plus Our Margin. The Index plus the\nMargin equals the Interest Rate. Changes in the Index will cause changes in the Interest\nRate on the first day of the calendar quarter that immediately follows a change in\nthe Index.\nFor VISA Aspire, all balances are subject to a Variable Rate which is based on the\nhighest Prime Rate as published in the Money Rates section of The Wall Street Journal\nin effect on the last day of each calendar quarter of each year (\xe2\x80\x9cIndex\xe2\x80\x9d) plus Our Margin.\nThe Index plus the Margin equals the Interest Rate. Changes in the Index will cause\nchanges in the Interest Rate on the first day of the calendar quarter that immediately\nfollows a change in the Index.\nFor all Cards, increases or decreases in the Interest Rate will cause like increases or\ndecreases in the Finance Charge and will affect the amount of Your regularly scheduled\npayments. Your Interest Rate will never be greater than 18.00% and will apply to Your\nremaining principal balance.\nLATE CHARGE. If Your payment is 3 or more days late, You will be charged the\nlesser of: (a) $25.00 (this amount will be $35.00 if You have incurred a late charge\nwithin 6 months of previously incurring a late charge); or (b) the amount of the\nrequired minimum payment.\nFOREIGN TRANSACTIONS. For transactions initiated in foreign countries and foreign\ncurrencies, the exchange rate between the transaction currency and the billing currency\n(U.S. dollars) will be: (a) a rate selected by VISA from the range of rates available in\nwholesale currency markets for the applicable central processing date, which rate may\nvary from the rate VISA itself receives; or (b) the government-mandated rate in effect for\nthe applicable central processing date.\nOTHER FEES AND CHARGES. You will be charged the following fees associated\nwith the use of Your Card: (a) the lesser of $25.00 or the required minimum payment\namount for the returned payment for any check (or other negotiable instrument used\nfor payment) which is returned unpaid; (b) $27.00 for each balance transfer check or\nbalance transfer check that is submitted to Us for payment and We return unpaid; (c)\n\nPage 5 of 7\n\nOTBS 045 TEXL (7/19)\n\n\x0cexcept VISA Signature BONUS, $8.00 FINANCE CHARGE for each balance transfer\nnot subject to an introductory rate; (d) for VISA Signature BONUS, a balance transfer\nFINANCE CHARGE equal to the greater of $8.00 or 3.00% of each balance transfer\nnot subject to an introductory rate; (e) except VISA Signature BONUS, $8.00\nFINANCE CHARGE for each overdraft transfer; (f) except VISA Signature BONUS,\n$8.00 FINANCE CHARGE for each cash advance; (g) for VISA Signature BONUS,\n$15.00 FINANCE CHARGE for each cash advance; and (h) $5.00 for each\nreplacement Card You request.\nPERIODIC STATEMENTS. On a regular basis, You will receive a statement showing\nall transactions on Your Account including amounts paid and borrowed since Your last\nstatement. We will deliver You a statement each month in which there is a debit or\ncredit balance or when a Finance Charge is imposed. We need not send You a\nstatement if We feel Your Account is uncollectible or if We have started collection\nproceedings against You because You defaulted. EACH STATEMENT IS DEEMED\nTO BE A CORRECT STATEMENT OF ACCOUNT UNLESS YOU ESTABLISH A\nBILLING ERROR PURSUANT TO THE FEDERAL TRUTH-IN-LENDING ACT.\nOUR RESPONSIBILITIES TO HONOR CONVENIENCE CHECKS. We are under no\nobligation to honor any of Your Convenience Checks and may, at Our sole and exclusive\noption, refuse to pay any Convenience Check, regardless of Our reason for electing not\nto pay such Convenience Check. You acknowledge that any such refusal to pay a\nConvenience Check shall not constitute wrongful dishonor, and We are not responsible\nfor any resulting loss or liability. If a postdated Convenience Check is paid and, as a\nresult, any other Convenience Check is returned unpaid, We are not responsible for any\nresulting loss or liability.\nDEFAULT. You will be in default if: (a) You do not make any payment or perform\nany obligation under this Agreement, or any other agreement that You may have\nwith Us; or (b) You should die, become involved in any insolvency, receivership or\ncustodial proceeding brought by or against You; or (c) You have made a false or\nmisleading statement in Your credit application and/or in Your representations to\nUs while You owe money on Your Account; or (d) A judgment or tax lien should be\nfiled against You or any attachment or garnishment should be issued against any\nof Your property or rights, specifically including anyone starting an action or\nproceeding to seize any of Your funds on deposit with Us; and/or (e) We should, in\ngood faith, believe Your ability to repay Your indebtedness hereunder is or soon\nwill be impaired, time being of the very essence.\nUpon any occurrence of default, and to the extent permitted by law, We may, without\nprior notice or demand: (a) declare the entire balance owed under this Agreement\nimmediately due and payable; and (b) impress and enforce the Consensual Lien on\nYour shares and dividends with Us; and (c) if applicable, setoff any Collateral pledged.\nAny resulting deficiency owed under this Agreement shall be immediately paid to the\nCredit Union. We can also exercise any other rights We hold under applicable law. To\nthe extent permitted by law, You waive any right You have to demand for payment,\nnotice of intent to accelerate and notice of acceleration.\nARBITRATION (Except for Credit Subject to the Military Lending Act (MLA)). In\nthe event of default under this Agreement, We may, at Our sole and exclusive option,\npursue Our remedies by filing a legal action to recover any amounts owed under this\nAgreement, or We may initiate arbitration proceedings.\nIf We elect arbitration to resolve any controversy or claim arising out of Your default\nunder this Agreement, such arbitration shall be administered by the American\nArbitration Association in accordance with its Arbitration Rules, and judgment on\nthe award rendered by the arbitrator(s) may be entered in any court having\njurisdiction thereof. Claims shall be heard by a single arbitrator. The arbitration shall\nbe governed by the laws of the state in which Our principal office is located, and\narbitration shall take place in the area in which Our principal office is located. Time\nis of the essence for any arbitration under this Agreement. Arbitration hearings shall\ntake place within 90 days of the request for arbitration, and awards shall be\nrendered within 60 days of the conclusion of the arbitration proceedings.\nArbitrator(s) shall agree to these limits prior to accepting appointment. The\narbitrators will have no authority to award punitive or other damages not measured\nby the prevailing party\'s actual damages, except as may be required by statute. The\narbitrator(s) shall award to the prevailing party, if any, as determined by the\narbitrators, all of their costs and fees. "Costs and fees" mean all reasonable preaward expenses of the arbitration, including the arbitrators\' fees, administrative\nfees, travel expenses, out-of-pocket expenses such as copying and telephone,\ncourt costs, witness fees, and attorneys\' fees. Except as may be required by law,\nneither a party nor an arbitrator may disclose the existence, content, or results of\nany arbitration hereunder without the prior written consent of both parties. All parties\nhereby waive and give up all rights to a jury trial or class action relief.\nCOLLECTION COSTS. In the event collection efforts are required to obtain payment\non this Account, to the extent permitted by law, You agree to pay all court costs,\nprivate process server fees, investigation fees or other costs incurred in collection and\nreasonable attorneys\xe2\x80\x99 fees incurred in the course of collecting any amounts owed\nunder this Agreement or in the recovery of any Collateral.\n\nCopyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.\n\nENFORCEMENT. We do not lose Our rights under this or any related agreement if\nWe delay enforcing them. We can accept late payments, partial payments or any\nother payments, even if they are marked "paid in full" without losing any of Our\nrights under this Agreement. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full force\nand effect.\nNOTIFICATION OF ADDRESS CHANGE. You will notify Us promptly if You move or\notherwise have a change of address.\nCHANGE IN TERMS. We may change the terms of this Agreement by mailing or\ndelivering to You written notice of the changes as prescribed by the Federal TruthIn-Lending Act. To the extent permitted by law, the right to change the terms of this\nAgreement includes, but is not limited to, the right to change the periodic rate\napplicable to Your unpaid balance and/or future advances.\nCREDIT INSURANCE. Credit insurance is not required for any extension of credit\nunder this Agreement. However, You may purchase any credit insurance available\nthrough Us and have the premiums added to Your outstanding balance. If You elect\nto do so, You will be given the necessary disclosures and documents separately.\nINTEGRATED DOCUMENTS. Any separate sheet of paper labeled "Additional\nDisclosure - Federal Truth-In-Lending Act," which is delivered together with this\nAgreement or at a later date becomes an integrated part of this Agreement\nand Disclosure.\nCONSENT TO AGREEMENT. You acknowledge receipt of a copy of this Agreement.\nBy signing this Agreement or an application; or by using Your Account or any Account\naccess device; or by authorizing another to use Your Account, You agree to and\naccept its terms.\nUPDATING AND DISCLOSING FINANCIAL INFORMATION. You will provide facts\nto update information contained in Your original Account application or other financial\ninformation related to You, at Our request. You also agree that We may, from time to\ntime, as We deem necessary, make inquiries pertaining to Your employment, credit\nstanding and financial responsibility in accordance with applicable laws and\nregulations. You further agree that We may give information about the status and\npayment history of Your Account to consumer credit reporting agencies, a prospective\nemployer or insurer, or a state or federal licensing agency having any apparent\nlegitimate business need for such information.\nTERMINATION. Either You or We may cancel Your Account at any time, whether or\nnot You are in default. You will, in any case, remain liable to pay any unpaid balances\naccording to the terms of Your Account.\nOWNERSHIP. Your Card remains Our property and may be cancelled by Us at any\ntime without notice. You agree to surrender Your Card and to discontinue its use\nimmediately upon Our request.\nISSUANCE OF A PERSONAL IDENTIFICATION NUMBER. We will issue, upon Your\nrequest, a Personal Identification Number (PIN) for use with participating Automated\nTeller Machines (ATMs). This PIN is confidential and should not be disclosed to\nanyone. You may use Your PIN to access Your Account and all sums advanced will\nbe added to Your Account balance. In the event a use of Your PIN constitutes an\nElectronic Fund Transfer, the terms and conditions of Your Electronic Fund Transfer\nAgreement may also affect Your rights.\nEFFECT OF AGREEMENT. Even though the sales, cash advance, credit or other slips\nYou may sign or receive when using Your Card contain terms, this Agreement is the\ncontract which solely applies to all transactions involving the Card.\nUNAUTHORIZED USE. You may be liable for the unauthorized use of Your Card. You\nwill not be liable for the unauthorized use that occurs after You notify Us of the loss, theft,\nor possible unauthorized use by calling Us at (254) 773-1604. You may also notify Us of\nthe loss, theft, or possible unauthorized use by writing to Us at P.O. Box 983, Temple,\nTX 76503. In any case, Your liability will not exceed $50.00.\nPRE-AUTHORIZED RECURRING CHARGES. You may, from time to time, establish\npreauthorized recurring charges be made on Your Account. You understand\nthat any such preauthorized recurring charges will continue unless discontinued\nby You directly with the service provider with whom You preauthorized the\nrecurring charge.\nTo ensure that recurring preauthorized charges established and authorized by You\nare not interrupted in the event that Your Card or other Access Device is reissued,\nWe may, but are under no obligation to do so, enroll Your account in automatic\naccount information update services that communicate new Card/Access Device\ninformation to the service providers with whom You have established preauthorized\nrecurring charges, the purpose of which is to ensure charges You authorize\ncontinue without interruption.\n\nPage 6 of 7\n\nOTBS 045 TEXL (7/19)\n\n\x0cREFUSAL TO HONOR CARDS OR CONVENIENCE CHECKS. We are not liable\nfor the refusal or inability of merchants, financial institutions and others to accept\nthe Cards or Convenience Checks, or electronic terminals to honor the Cards\nor complete a Card withdrawal, or for their retention of the Cards or\nConvenience Checks.\nTRANSACTION SLIPS. Your monthly statement will identify that merchant,\nelectronic terminal or financial institution at which transactions were made, but\nsales, cash advance, credit or other slips cannot be returned with the statement.\nLOST CARDS OR CONVENIENCE CHECKS. To report lost or stolen Credit Cards\nor Convenience Checks, You will immediately call Us at (254) 773-1604. You may\nalso report lost or stolen Credit Cards or Convenience Checks by writing to\nUs at P.O. Box 983, Temple, TX 76503. In any case, Your liability will not\nexceed $50.00.\nCREDITS. If a merchant who honors Your Card gives You credit for returns or\nadjustments, they will do so by sending Us a slip which will be posted to Your Account.\nIf Your credits and payments exceed what You owe Us, We will hold and apply this\ncredit against future purchases and cash advances, or if it is $1.00 or more refund it\non Your written request or automatically deposit it to Your share account after\n6 months.\nGOVERNING LAW. This Agreement is controlled and governed by the laws of the\nState of Texas, except to the extent that such laws are inconsistent with controlling\nfederal law.\n\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 P.O. Box 983, Temple,\nTX 76503. In Your letter, give Us the following information:\n\xef\x82\xb7\nAccount information: Your name and Account number.\n\xef\x82\xb7\nDollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7\nDescription of problem: If You think there is an error on Your bill, describe what\nYou believe is wrong and why You believe it is a mistake.\nYou must contact Us:\n\n\xef\x82\xb7\n\xef\x82\xb7\n\nYou must notify Us of any potential errors in writing. You may call Us, but if You do\nWe are not required to investigate any potential errors and You may have to pay the\namount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1)\n2)\n\nELECTRONIC COMMUNICATIONS. You authorize Us to send You, from time\nto time, and to the extent permitted by applicable law, electronic communications\nregarding the status of any share, share draft, and/or certificate account(s) You\nmaintain with Us. You also authorize Us to send You electronic communications\nregarding any other accounts You may maintain with Us from time to time\nincluding, but not limited to, loan accounts, credit line accounts, and credit card\naccounts. These electronic communications are sometimes referred to as\n"transactional or relationship messages."\n\nWithin 60 days after the error appeared on Your statement.\nAt least 3 business days before an automated payment is scheduled, if You want\nto stop payment on the amount You think is wrong.\n\nWithin 30 days of receiving Your letter, We must tell You that We received Your\nletter. We will also tell You if We have already corrected the error.\nWithin 90 days of receiving Your letter, We must either correct the error or\nexplain to You why We believe the bill is correct.\n\nWhile We investigate whether or not there has been an error:\n\xef\x82\xb7\nWe cannot try to collect the amount in question, or report You as delinquent on\nthat amount.\n\xef\x82\xb7\nThe charge in question may remain on Your statement, and We may continue\nto charge You interest on that amount.\n\xef\x82\xb7\nWhile You do not have to pay the amount in question, You are responsible for\nthe remainder of Your balance.\n\xef\x82\xb7\nWe can apply any unpaid amount against Your Credit Limit.\n\nYou authorize Us to contact You using any wireless, cellular, mobile or other\ntelephone number You have provided to Us on Your membership application, and\nat any wireless, cellular, mobile or other telephone number You may furnish to Us\nor We obtain for You in the future. To the extent permitted by law, We may contact\nYou using any electronic means We choose, which may include but is not limited\nto, voice messages, text messages and other similar electronic methods of\ncommunication. If You have furnished Us with any e-mail address(es), You\nunderstand and agree that We may send You e-mail messages regarding Your\nAccount(s) with Us from time to time. If You have executed or subsequently\nexecute any separate Disclosure and Consent to Receive Electronic Documentation\nor similar form, any communications covered by such Disclosure and Consent\nshall be subject to the terms and conditions set forth in that document.\n\nAfter We finish Our investigation, one of two things will happen:\n\n\xef\x82\xb7\n\xef\x82\xb7\n\nIf We made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to that amount.\nIf We do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send You a\nstatement 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.\n\nIf You receive Our explanation but still believe Your bill is wrong, You must write to\nUs within 10 days telling Us that You still refuse to pay. If You do so, We cannot\nreport You as delinquent without also reporting that You are questioning Your bill.\nWe must tell You the name of anyone to whom We reported You as delinquent, and\nWe must let those organizations know when the matter has been settled between\nUs. If We do not follow all of the rules above, You do not have to pay the first $50.00\nof the amount You question even if Your bill is correct.\n\nYou understand that the nature of electronic communications is such that\nanyone with access to Your wireless, cellular, mobile or other telephonic device\nor e-mail may be able to read or listen to such transactional or relationship\nmessages from Us, and You agree that any person or party sending or leaving\nsuch messages shall have no liability for any consequences resulting from the\ninterception of such messages by any other party. Without limitation, You also\nagree that You are responsible to pay all costs that You may incur as a result\nof any contact method We choose including, but not limited to, charges for\ntelecommunications, wireless and/or internet charges.\n\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\nCredit Card, and You have tried in good faith to correct the problem with the merchant,\nYou may have the right not to pay the remaining amount due on the purchase. To use\nthis right, all of the following must be true:\n\nCONSENT TO CONTACT AGREEMENT. You agree that We may, subject\nto applicable law, initiate telephone calls to any residential line (wireline\nservice), cellular telephone service, or other wireless service associated with\nYour Account through use of pre-recorded or artificial voice messages and/or\nthe use of automatic telephone dialing systems, in order for Us to service\nYour Account, prevent fraud, collect any amounts owed to Us by You, and\notherwise conduct Our business with You. If You furnish Us with one or more\ncellular telephone numbers in connection with Your Account, You represent\nYou are or will be the cellular telephone subscriber with respect to each such\nnumber, and that Your consent extends to all such numbers You provide to\nUs. You understand that the telephone calls We may initiate may result in\ncharges to You by any cellular telephone, internet, or other digital or\nelectronic service to which You subscribe, and You understand and agree\nthat You are solely responsible for the payment of any such charges.\n\n1)\n\n2)\n\n3)\n\nThe purchase must have been made in Your home state or within 100 miles of\nYour current mailing address, and the purchase price must have been more than\n$50.00. (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\nthe goods or services.)\nYou must have used Your Credit Card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses Your Credit Card\naccount do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and You are still dissatisfied with the purchase,\ncontact Us in writing at P.O. Box 983, Temple, TX 76503.\n\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair\nCredit Billing Act.\n\nCopyright Oak Tree Business Systems, Inc., 2018-2019. All Rights Reserved.\n\nWhile We investigate, the same rules apply to the disputed amount as discussed\nabove. After We finish Our investigation, We will tell You Our decision. At that point,\nif We think You owe an amount and You do not pay, We may report You as delinquent.\n\nPage 7 of 7\n\nOTBS 045 TEXL (7/19)\n\n\x0c'


b'`\nLike us (http://www.facebook.com/DirectionsCreditUnion) on Facebook\n\nFollow us (https://twitter.com/directionscu) on Twitter\n\n(/)\nLocations/ATMs (/Hours\xc2\xadand\xc2\xadLocations/DCU\xc2\xadHours\xc2\xadand\xc2\xadLocations.aspx)\nMobile & Online Banking (/Online\xc2\xadand\xc2\xadMobile\xc2\xadBanking/Online\xc2\xadBanking.aspx)\n\nJoin Directions\n\nMyLife\n\nCalculators (/Landing\xc2\xadPages/Calculators.aspx)\n\nForms & Info (/Info\xc2\xadForms/Forms.aspx)\n\nBusiness\n\nPersonal\n\nLoans\n\nAbout Us (/About\xc2\xadDirections\xc2\xadCredit\xc2\xadUnion/About\xc2\xadDCU.aspx)\n\nContact Us (/Hours\xc2\xadand\xc2\xadLocations/Contact\xc2\xadUs.aspx)\n\n(/Join\xc2\xad\n\n(/MyLife/Adult.aspx)\n(/Business/Loans.aspx)\n(/Personal/Checking\xc2\xad(/Loans/Auto\xc2\xad\n\nDirections/Join.aspx)\n\nAuto & Recreational Rates (/Rates/Auto\xc2\xadRecreational\xc2\xadRates)\nPersonal Loan Rates (/Rates/Personal\xc2\xadLoan\xc2\xadRates)\n\nAccounts.aspx)\n\nCredit Card Rates (/Rates/Credit\xc2\xadCard\xc2\xadRates)\n\nInvestments\n\n(/Investments/Investment\xc2\xad\n\nRecreational\xc2\xad\n\nInsurance\xc2\xad\n\nLoans.aspx)\n\nServices)\n\nMortgage Rates (/Rates/Mortgage\xc2\xadRates)\n\nSavings Rates (/Rates/Savings\xc2\xadRates)\n\nBusiness/Commercial Rates (/Rates/Small\xc2\xadBusiness\xc2\xadRates)\n\nCredit Card Rates\nAnalysis as of April 20, 2016\n\nSave up to $106 with\nDirections CU credit\ncards1\nAPPLY NOW\n\nCredit Card\nDirections CU\n\n9.99% APR1\nToledo Area\n\n10.70% APR1\n\n\xc2\xa9Datatrac (http://datatrac.net) 2016. 1details\n\nsave up to $106\n\nInterest Rates (http://www.datatrac.net//rates/Directions_Credit_Union?Cls=credit\ncard&Key=gra_2183creditcard16896percentage1&tmpl=0) Certified by Datatrac\n(http://www.datatrac.net/greatrateaward.aspx)\n\n(https://www.ezcardinfo.com/?b=toledoarea)\n\nAnnual Percentage Rate for Purchases and Cash Advances\nRewards\nVISA\n\nfrom 9.99% to 17.24%*\nAnnual Percentage Rate for Purchases and Cash Advances\n\nAnnual fee:\n\nNone\n\nGrace Period\nfor\nPurchases:\n\nThere is a 25 day grace period, calculated from the statement\nclosing date to the payment due date, in which you can pay\nthe New Purchases Balance and any unpaid finance charges\non Cash Advances shown on the statement to avoid a finance\ncharge.\n\nCash\nAdvance\n\nThere is no fee. Interest rate accumulates the day of Cash\nAdvance.\n\nBalance\nComputation\n\nAverage Daily Balance Method\n\nMethod for\nPurchases:\n\n(including current transactions)\n\n(/Landing\xc2\xad\n\nPages/earnrewards.aspx)\n\n\x0cLate\nPayment\nFee:\n\nUp to $25.00, 10 days after payment due date.\n\nOver Limit\nFee:\n\nNone\n\nLost/Stolen\nReporting\n\n24/7\n\nAuto Rental\nInsurance\n\nYes\n\nReturned\nItem Fee\n\n$25.00 per item.\n\nCard\nReplacement\nFee\n\n$15.00\n\nForeign\nTransaction\nFee\n\n1% of the transaction amount.\n\n*Rate will be based on your credit history. Contact Directions Credit Union (/Hours\xc2\xadand\xc2\xadLocations/Contact\xc2\xadUs) for more details.\n**ScoreCard\xe2\x84\xa2 Bonus Points are earned for every dollar spent when using your Directions Credit Union Visa Card. These Points can\nbe accumulated and redeemed for great gifts, gift cards, travel rewards, hotel discounts and much more! For a free ScoreCard\xe2\x84\xa2\nRewards catalog, please visit www.scorecardrewards.com (https://www.scorecardrewards.com).\nCredit disclosure is accurate as of 01/01/16 and is subject to change. To find out what may have changed, call us at 1\xc2\xad888\xc2\xad508\xc2\xad2228.\n\n(/Join\xc2\xadDirections/Financial\xc2\xadTools\xc2\xadTips.aspx)\n\n(/Rates/Credit\xc2\xadCard\xc2\xadRates.aspx)\n\n\xc2\xa9 Directions Credit Union. All Rights Reserved. Federally Insured by NCUA.\n\n(/Landing\xc2\xadPages/Calculators)\n\n(/Join\xc2\xadDirections/Join.aspx)\n\nSecurity & Privacy (/Security\xc2\xadPrivacy.aspx)\n\nTerms & Conditions (/Terms\xc2\xadConditions.aspx)\n\nYour savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.\n\n\x0c'


b'What To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nCardholder Services\nPO Box 182477\nColumbus, OH 43218-2477\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of the problem: If you think there is an error\non your bill, describe what you believe is wrong and why\nyou believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment\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 Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the bill\nis correct.\nWhile we investigate whether or not there has been an\nerror:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement,\nand we may continue to charge you interest on that\namount.\n\xe2\x80\xa2 While you do not have to pay the amount in question,\nyou are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit\nlimit.\n\nIf you receive our explanation but still believe your bill is wrong,\nyou must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We\nmust tell you the name of anyone to whom we reported you\nas 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\nis correct.\nYour Rights If You Are Dissatisfied With Your Credit Card\nPurchases\nIf you are dissatisfied with the goods or services that you\nhave purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may\nhave the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50.\n(Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed to you, or if we\nown the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\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:\nCardholder Services\nPO Box 182477\nColumbus, OH 43218-2477\nWhile we investigate, the same rules apply to the disputed\namount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as\ndelinquent.\n\nAfter we finish or investigation, one of two things will\nhappen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount\nin question or any interest or other fees related to that\namount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have\nto pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the\namount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the\namount we think you owe.\n3550616\n\n\x0cCARDHOLDER AGREEMENT\nDefined terms \xe2\x80\x93 The following terms have defined meanings\nin this agreement: \xe2\x80\x9cAccount\xe2\x80\x9d means the credit Account\nregulated by this agreement, \xe2\x80\x9cCard\xe2\x80\x9d means the plastic cards\nissued under this agreement, including the numbers printed\non these plastic cards; \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean the financial\ninstitution appearing on the face of a Card; \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d\nmean anyone who signs an application for this Account or is\na guarantor of this Account; and \xe2\x80\x9cApproval Letter\xe2\x80\x9d means our\nletter to you approving your application and describing some\nof the terms of the Account (the \xe2\x80\x9cApproval Letter\xe2\x80\x9d which is\npart of the agreement).\nBy signing, using or activating a Card, you accept the\nterms and conditions of this agreement and of the Approval\nLetter. If any provision of this agreement is determined to be\nunlawful, the rest of the agreement will stand and the unlawful\nprovision will be deemed amended to conform to applicable\nlaw. All Cards are our property and must be returned to us\nimmediately according to our instructions, and we may\nrepossess a Card at any time in our sole discretion.\n1. Promise to pay \xe2\x80\x93 You agree to pay us the total amount\nof purchases, cash advances, finance charges or other fees\nor charges which arise from use of a Card by you or any\nother person, unless the other person does not have actual,\nimplied, or apparent authority for such use and you receive\nno personal benefit from the use. You agree to be jointly and\nseverally liable with anyone else who has made the same\npromise.\n2. Credit Limit \xe2\x80\x93 Your credit limit is stated on the credit card\ncarrier, as well as on your monthly statement. You promise\nto make purchases and cash advances only up to your\ncredit limit. Your promise to pay continues to apply even if\nthe amount due exceeds your credit limit. Obtaining credit in\nexcess of your credit limit does not increase your credit limit.\nWe can change your credit limit at any time to any amount\n(including zero). We will state the new credit limit on your next\nmonthly statement.\n3. Purchases and cash advances \xe2\x80\x93 You may use your Card,\nup to your credit limit, to buy or lease goods, services or\ninsurance wherever the Card is honored. You may also use\nyour Card to get a cash advance from participating financial\ninstitutions. However, you agree not to use your Card for\nany transaction that is illegal under applicable federal, state\nor local law, and you understand that any such use will\nconstitute an event of default under this agreement. We are\nnot responsible for the refusal of anyone to honor your Card.\n4. Monthly Statements \xe2\x80\x93 We will send you a statement at the\nend of each billing cycle in which the Account has a balance.\nThe due date for your payment will be 25 days after the last\nday covered by the statement.\n5. Payments \xe2\x80\x93 You agree to make the minimum monthly\npayments that are described in the Approval Letter, and to\nmake all payments on this Account at the address specified\n\non your monthly statement. We may accept late payments,\npartial payments, post-dated checks, or any form of payment\ncontaining a restrictive endorsement, without losing any of\nour rights under this agreement. Our acceptance of checks or\nmoney orders labeled \xe2\x80\x9cpayment in full\xe2\x80\x9d or words to that effect,\nwill not constitute an accord and satisfaction nor a waiver of\nany rights we have to receive full payment.\n6. Balance Computation Method \xe2\x80\x93 We figure the interest\ncharge on your account by applying the periodic rate, as\nstated in the enclosed disclosure table, to the \xe2\x80\x9caverage daily\nbalance\xe2\x80\x9d of your account. To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d\nwe take the beginning balance of your account each day,\nadd any new purchases/advances/fees, and subtract any\nunpaid interest or other finance charges and any payments\nor credits. This gives us the daily balance. Then, we add up\nall the daily balances for the billing cycle and divide the total\nby the number of days in the billing cycle. This gives us the\n\xe2\x80\x9caverage daily balance.\xe2\x80\x9d\n7. Cash advance fee \xe2\x80\x93 Cash advances are subject to the\ncash advance fee stated in the enclosed disclosure table. The\ncash advance fee is a finance charge and is imposed on the\ndate of the cash advance. Interest does not accumulate on\nthis fee. The following transactions will be treated as cash\nadvances:\n\xe2\x80\xa2 Using your Card to obtain cash from a participating\nAutomated Teller Machine (\xe2\x80\x9cATM\xe2\x80\x9d);\n\xe2\x80\xa2 Using your Card to obtain cash from a participating\nfinancial institution;\n\xe2\x80\xa2 Using a convenience check drawn on the Account;\n\xe2\x80\xa2 Obtaining money orders, travelers checks, foreign\ncurrency, lottery tickets, casino chips, vouchers\nredeemable for cash or similar items.\n\xe2\x80\xa2 Balance transfers, if identified as cash advances on your\nApproval Letter\n8. Annual Fee \xe2\x80\x93 The annual fee, if there is one, on the\nAccount is stated in the enclosed disclosure table. The annual\nfee is payable whether or not you use the Card.\n9. Liability for unauthorized use \xe2\x80\x93 You may be liable for\nthe unauthorized use of your Card, whether due to loss\nor theft of a Card or another reason. You will not be liable\nfor unauthorized use that occurs after you notify us orally\nby calling 1-855-320-1462 or you notify us in writing by\nmailing the notice to Cardholder Services, P.O. Box 182477,\nColumbus, OH 43218-2477. In any case, your liability will not\nexceed $50.\n10. Default \xe2\x80\x93 You will be in default if you fail to make any\nminimum payment or other required payment by the date that\nit is due. You also will be in default if you violate any other\nprovision of this agreement and such violation materially\nimpairs the prospect of you paying the amount due on the\nAccount. Upon default, we may demand immediate payment\nof the entire amount due on the Account and we may enforce\nour right to this payment as permitted by law.\n\n11. International Transactions \xe2\x80\x93 When you use your Card\nfor a transaction denominated in a currency other than U.S.\ndollars, the transaction amount will be converted into U.S.\ndollars by applying an exchange rate selected by the Card\nAssociation from among the range of rates available in\nwholesale currency markets or the government-mandated\nrate on the date the transaction is processed. The rate chosen\nmay vary from the rate the Card Association itself receives.\nWhen you use your Card in a transaction outside of the United\nStates to make a purchase, obtain a cash advance, obtain a\ncredit voucher, or reverse any of these transactions, a finance\ncharge equal to one percent of the amount of the transaction\n(expressed as a positive number) will be assessed against\nyour Account. The foreign transaction Fee is imposed on\nthe date of the transaction. Interest does not accrue on the\nforeign transaction fee. \xe2\x80\x9cCard Association\xe2\x80\x9d means either VISA\ninternational or Mastercard International.\n12. Credit Information \xe2\x80\x93 You authorize us to investigate\nyour credit standing when opening, renewing or reviewing\nyour Account, and you authorize us to disclose information\nregarding your Account to credit bureaus and other creditors\nwho may inquire of us about your credit standing.\n13. Other fees \xe2\x80\x93 The following charges will be charged to\nyour Account as appropriate:\nA. Late and returned payment fees.\nThe following charges may be imposed, if applicable:\n\xe2\x80\xa2 Late Payment Fee: A late payment fee, in the amount\nindicated in the enclosed disclosure table, may be\nimposed if the required minimum payment due is not\nreceived by the due date listed on the monthly periodic\nstatement.\n\xe2\x80\xa2 Returned Payment Fee: A returned payment fee, in the\namount indicated in the enclosed disclosure table, may\nbe imposed if your payment is returned for any reason.\nB. Replacement Cards, copies, and special services.\nWe may charge you a reasonable fee for issuing\nreplacement cards, expediting delivery of your card, an\nexpedited payment method using a service representative,\nproviding photocopies and reprints that you request, and\nother special services as allowed by law.\n14. Amendments \xe2\x80\x93 We may amend or cancel this agreement\nat any time by getting your consent as provided by law or by\ngiving you a notice of the amendments. Cards are property of\nthe Financial Institution and must be returned at our request.\nYOUR BILLING RIGHTS:\nKEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our\nresponsibilities under the Fair Credit Billing Act.\n\n\x0c'


b'Retain this Important Document for Your Records\n\n\x0c\x0c'


b'Credit Union Credit Card Disclosures\nPlease click the links below to view important disclosures:\n\nUnited States Credit Cards\n\xef\x82\xb7\n\nCash Rewards Visa\xc2\xae Credit Card\n\n\xef\x82\xb7\n\nTravel Rewards Visa\xc2\xae Credit Card\n\n\xef\x82\xb7\n\nSimply Visa\xc2\xae Credit Card\n\n\xef\x82\xb7\n\nVisa\xc2\xae LAUNCH\xe2\x84\xa2 Credit Card\n\n\xef\x82\xb7\n\nConsumer Credit Card Agreement\n\nPuerto Rico Credit Cards\n\xef\x82\xb7\n\nVisa\xc2\xae Rewards Credit Card\n\n\xef\x82\xb7\n\nSimply Visa\xc2\xae Credit Card\n\n\xef\x82\xb7\n\nVisa\xc2\xae LAUNCH\xe2\x84\xa2 Credit Card\n\n\xef\x82\xb7\n\nConsumer Credit Card Agreement\n\n\x0cBack to Top\n\n\x0cBack to Top\n\n\x0cBack to Top\n\n\x0cBack to Top\n\n\x0cBack to Top\n\n\x0cBack to Top\n\n\x0cBack to Top\n\n\x0cBack to Top\n\n\x0cBack to Top\n\n\x0cBack to Top\n\n\x0cBack to Top\n\n\x0cBack to Top\n\n\x0cCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA\n\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other Account opening\ndocuments or any subsequent documents provided to You related to this Account (hereinafter collectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d)\ngovern 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 \xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Baxter Credit Union DBA\nBCU 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 applicant and co-applicant for the Account; any\nperson responsible for paying the Account; and anyone You authorize to use, access or service the Account. "Card" means the Visa\xc2\xae\ncredit card and any other access devices, duplicates, renewals, or substitutions, including convenience checks, the Credit Union issues\nto You. "Account" means the line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\n\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.\n\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.\n\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.\n\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. You agree to\nuse Your Account in accordance with this Agreement. Your Account must only be used for lawful transactions.\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 exceed the\ncredit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts due to finance charges,\nfees or other charges. You may request a credit limit increase on Your Account only by a method acceptable to the Credit Union. We\nmay increase or decrease Your credit limit, refuse to make an advance and/or terminate Your Account at any time for any reason\npermitted by law.\n\n\x0c3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on Your Account.\nConvenience checks may not be used to make a payment on Your Account. If You use a convenience check, it will be posted to Your\nAccount as a cash advance. We reserve the right to refuse to pay a convenience check drawn on Your Account for any reason and\nsuch refusal shall not constitute wrongful dishonor. You may request that We stop the payment of a convenience check drawn on Your\nAccount. You agree to pay any fee as identified in this Agreement imposed to stop a payment on a convenience check issued on Your\nAccount. You may make a stop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in\nadvance of the presentment of the check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your\nrequest must accurately 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 expire after 14\ndays unless You confirm Your request in writing within that time. Written stop payment orders are effective only for six months and\nmay be renewed for additional six month periods by requesting in writing that the stop payment order be renewed. We are not required\nto 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 statement describing\nthe dispute with the payee, to assign to Us all of Your rights against the payee or other holders of the check and to assist Us in any\nlegal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims, related to\nOur honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect information provided to Us or\nthe giving of inadequate time to act upon a stop payment request. Note: A convenience check is not a check as that term is defined\nunder the Uniform Commercial Code. It is an advance from Your credit card Account with Us and Your stop payment rights are provided\nunder 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 all transactions\nmade to Your Account by You or anyone You authorize to use Your Account as well as all interest charges 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 due and any\namount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than $20.00, then Your Minimum\nPayment 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 Account\nhas a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the date the payment is\nposted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner the Credit\nUnion chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum Payment Due, the Credit\nUnion will allocate the excess amount first to the balance with the highest annual percentage rate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion\nto the other balances in descending order based on applicable APR, unless otherwise prescribed by applicable law. We may accept\nchecks marked "payment in full" or with words of similar effect without losing any of Our rights to collect the full balance of Your Account\nwith Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the transaction is posted\nto Your Account. We will begin charging You interest on cash advances and balance transfers on the date of the transaction or the\nfirst day of the billing cycle in which the transaction is posted to Your Account, whichever is later (transaction date). However, We will\nnot charge You any interest on new purchases if Your Account had a zero or credit balance at the beginning of that billing cycle, or\nYou paid the entire new balance on the previous cycle\'s billing statement by the Payment Due Date of that statement. To avoid an\nadditional finance charge on the balance of purchases, You must pay the entire new balance on the billing statement by the Payment\nDue Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances (\xe2\x80\x9cTransaction Type\xe2\x80\x9d).\nWe figure the interest charge for each Transaction Type by applying the periodic rate to each corresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d\nTo get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning balance for that Transaction Type each day, add any\nnew transactions of that type, and subtract any unpaid interest or other finance charges and any applicable payments or credits. This\ngives Us the daily balance for each Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the billing\ncycle and 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 Transaction\nType.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your Account, the fee\namounts and explanations are disclosed on the Account Opening Disclosure accompanying this Agreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your Account in\nU.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing international\ntransactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central\nprocessing date, which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable\ncentral processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the\npurchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based on the\ntransaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The Foreign Transaction Fee\nis set forth on the Disclosure accompanying this Agreement.\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 You have\nsufficient credit available. You agree that We will not be liable for failing to give an authorization. We also reserve the right to limit the\nnumber of transactions that may be approved in one day. We reserve the right to deny certain transactions for any reason and at Our\nsole discretion, including for default, suspected fraudulent or unlawful activity, internet gambling or any indication of increased risk\nrelated to the transaction or the Account. You agree that We have no requirement to notify You of the specific reason We denied a\ntransaction. If We detect unusual or suspicious activity, We may suspend Your credit privileges until We can verify the activity, or We\nmay close the Account.\n9. PREAUTHORIZED CHARGES \xe2\x80\x94 If You default, if the Card is lost or stolen, or We change the Account for any reason, We may\nsuspend automatic charges with third party vendors. If preauthorized charges are suspended, You are responsible for making direct\npayment for such charges until You contact the third party to reinstate the automatic 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 Due Date;\npay by a check or similar instrument that is not honored or that We must return because it cannot be processed; pay by automatic\ndebit that is returned unpaid; make any false or misleading statements in any credit application or credit update; file for bankruptcy; or\ndie. You will also be in default if You fail to comply with the terms of this Agreement 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 law. In this\nAgreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share and/or deposit accounts\nwith the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts to any amounts due. You agree We\nmay rely on Your agreement and authorization to, upon Your default, apply any balance 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 Your credit\ncard or a possible unauthorized use of Your Card, You should write to Us immediately at 340 N. Milwaukee Ave., Vernon Hills, IL,\n60061 or call Us at (800) 449-7728, 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 unauthorized use that\noccurs before Your notice to Us. You will have no liability for unauthorized use unless You are found to be fraudulent or negligent in\nthe handling of Your Account or Card. In any case, Your liability for unauthorized transactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms of this\nAgreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with applicable law. To\nthe extent permitted by law, changes to the Agreement may apply to Your existing account balance as well as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either You, Your\nspouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or the Credit Union will\nnot affect Your obligation to pay the account balance plus any finance and other charges You or Your spouse owe under this\nAgreement. Your obligation to pay the account balance plus any finance and other charges You owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. The Card or Cards You receive remain the property of the\nCredit Union and You must recover and surrender to the Credit Union all Cards upon request or upon termination of this Agreement\nwhether 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 by You or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You owe under this\nAgreement. Your obligation to pay the account balance plus any finance and other charges You owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. The Card or Cards You receive remain the property of the\nCredit Union and You must recover and surrender to the Credit Union all Cards upon request or upon termination of this Agreement\nwhether 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 designate. You must\nnotify Us in writing of any termination of an authorized user\'s right to access Your Account. Your notice must include the name of the\nauthorized user and Your Account number and/or any subaccount number issued to the authorized user along with the authorized\nuser\'s Card and any convenience or other access checks issued to the authorized user. If You cannot return the authorized user\'s\nCard or access checks and if You request Your Account to be closed, We will close Your Account and You may apply for a new\nAccount. Alternatively, We may, at Our sole discretion, issue 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 reports and\nany other information We may need to verify Your identity and use of the Account when opening Your Account and for any update,\nincrease, renewal, extension, collection or review of Your Account. You authorize the Credit Union to disclose information regarding\nYour Account to credit bureaus and creditors who inquire about Your credit standing. We may report information about Your Account\nto credit bureaus. Late payments, missed payments, or other defaults 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 amounts owed\nunder this Agreement. This means that the Credit Union can require any one of You individually to repay the entire amount owed under\nthis Agreement. Each of You authorizes the other(s) to make transactions on the Account individually. Any one of You may terminate\nthe 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 though the\nsales, 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 Your Account.\nThis written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any part of this Agreement be\nfound to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and fully enforceable to the fullest extent\npossible under this Agreement.\n\n\x0c18. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including any type\nof 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 connection with\nthe transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is illegal.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of Illinois.\n20. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this Agreement without\nlosing them.\n21. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You are liable for\nany reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further disclosed on this Agreement, or\nto 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 approval,\nuse the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any joint applicant. As required\nby law, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit reporting\nagency 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 Your\ndisposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida and 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 Card\nAccount 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 enforcing\nrepayment of a debt including promises to extend or renew such debt are not enforceable. To protect You (borrower(s)) and\nUs (creditor) from misunderstanding or disappointment, any Agreements We reach covering such matters are contained in\nthis writing, which is the complete and exclusive statement of the Agreement between Us, except as We may later agree in\nwriting 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, modification,\nrenewal or collections associated with this Account. Upon Your request, You will be informed whether such report was requested and,\nif so, the name and address of the consumer reporting agency furnishing the report. New York residents may contact the New York\nState Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a comparative listing of credit card rates, fees and grace\nperiods.\n28. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to all\ncreditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio\nCivil 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 lender\xe2\x80\x99s loan\npractices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre, SD 57501, or by phone at\n605.773.3421.\n30. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the address or\nphone number listed on this Agreement and provide Us with the name and address of Your spouse. We are required to inform Your\nspouse 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 and the Credit\nUnion. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by law, You are hereby notified\nthat a negative credit report reflecting on Your credit record may be submitted to a credit reporting agency if You fail to fulfill the terms\nof Your credit obligations.\n32. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON THIS NOTE\nMEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER DOES NOT PAY, THE\nLENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\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 believe it is\na 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 You think is\nwrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required to investigate\nany 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 already\ncorrected 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 correct.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send You a statement of the amount You owe and the date payment is due. We may then report You as delinquent if You\ndo not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You still refuse to\npay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your bill. We must tell You the\nname of anyone to whom We reported You as delinquent, and We must let those organizations know when the matter has been settled\nbetween Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill is correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in good faith to\ncorrect the problem with the merchant, You may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on an advertisement We\nmailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that\naccesses 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 the address\nlisted on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation, We will tell\nYou Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as delinquent.\n\n\x0c'