b'First Command Bank Visa Cardholder Agreement (Platinum)\nThe person(s) ("Cardholder," whether one or more) who signed and\nreturned the Application for a Visa ("Application") has requested\nFirst Command Bank ("Bank") to extend to Cardholder open-end\ncredit. The term "Cardholder" means each person who signed and\nreturned the Application and any other person who has agreed to\nbe responsible for the Account (defined below). As used in this\nAgreement, the term \xe2\x80\x9cperson\xe2\x80\x9d means an individual or an entity, as\napplicable. By Cardholder\'s use of the credit card ("Card"), furnished by Bank in reliance in part upon the information supplied by\nCardholder in the Application, Cardholder agrees with Bank as follows:\n1. Using the Account. Cardholder has accepted the revolving triparty account ("Account") made available to Cardholder by Bank.\nCardholder may use the Card to purchase or lease goods or services, or pay amounts that Cardholder owes, wherever the Card is\nhonored ("Credit Purchases"). Cardholder may also use the Card\nto obtain cash loans ("Cash Advances") from any financial institution that accepts the Card. Cardholder agrees that the Account will\nnot be used to access gambling web sites or to purchase illegal\ngoods or services. Bank may refuse to process any transaction that\nBank believes may violate this Agreement. If Cardholder provides\nthe Account number to make a purchase or obtain an advance without presenting the Card (such as for a mail order or telephone purchase), or if Cardholder authorizes someone else to make a charge\nto the Account, Cardholder\'s obligation to pay will be the same as\nif the Card itself was used. Cash Advances also may be obtained\nthrough use of the Card (a) upon execution of a written request of\nCardholder in a form furnished by any financial institution that is a\nmember, alone or in association with others, of Visa, Inc. or (b)\nupon Cardholder\'s execution of a written separate agreement with\nBank for a Visa overdraft financial agreement, if offered by Bank.\nAll Credit Purchases and Cash Advances are effected at the option\nof the retail merchant ("Seller") and/or cash advancing financial institution respectively, and Bank shall not be responsible for refusal\nby any Seller or cash advancing financial institution to honor the\nCard or any "Related Card," as defined in paragraph 2 below.\n2. Obligations on the Account. Cardholder (jointly or severally if\nmore than one) promises to pay Bank at the address specified on\nthe periodic statement (see paragraph 5 below) for all Credit Purchases and Cash Advances, together with any Finance Charge as\nherein provided, plus any other charges permitted by this Agreement, all such payments must be in lawful money of the United\nStates of America. Cardholder will pay in their equivalent in U.S.\ndollars all charges in a foreign currency, which equivalence will be\ndetermined by reference to the amount in U.S. dollars. Bank shall\nhave paid in good faith to the person presenting the item to Bank.\nCardholder shall be liable and agrees to pay Bank for Credit Purchases made by, or for Cash Advances extended to, Cardholder or\nanyone else using the Card unless the use of such Card is by a\nperson other than the Cardholder (a) who does not have actual,\nimplied, or apparent authority for such use and (b) from which Cardholder receives no benefit. Additionally, Cardholder shall be jointly\nand severally liable, and agrees to pay, for all Credit Purchases\nand Cash Advances obtained through the use of any other Card\nbearing Cardholder\'s Account number that has been issued to another person by reason of such person being a member of Cardholder\'s family, or otherwise issued upon Cardholder\'s request (all\nsuch Cards bearing the same Account number hereinafter collectively called "Related Cards"). Subject to any mandatory provisions\nof applicable law, all payments made by Cardholder will be applied\nto the balances on Cardholder\'s Account in the manner set forth\nlater in this Agreement.\n3. Credit Limit. Bank will inform Cardholder from time to time of\nthe maximum amount of debt ("Credit Limit") that may be outstanding in the Account at any time, and Bank, in its sole discretion may\nadjust the Credit Limit from time to time. Cardholder agrees not to\nuse or permit the use of the Card in any manner that would cause\nthe outstanding balance in the Account ever to exceed the Credit\nLimit. If Cardholder attempts a transaction which results in Cardholder\xe2\x80\x99s total outstanding balance (plus authorizations) exceeding\nCardholder\'s Credit Limit, Bank may: (a) permit the transaction\nwithout raising Cardholder\'s Credit Limit; (b) permit the transaction\nand treat the amount of the transaction that is more than the Credit\nLimit as immediately due; or (c) refuse to permit the transaction. If\nBank refuses to permit the transaction, Bank may advise the person who attempted the transaction that it has been refused. If Bank\nhas previously permitted Cardholder to exceed Cardholder\'s Credit\nLimit, it does not mean that Bank will permit Cardholder to exceed\nCardholder\'s Credit Limit on a subsequent date. Bank may designate that only a portion of Cardholder\'s Credit Limit is available for\nCash Advances. If Cardholder exceeds that limit, Cardholder will\nbe considered to have exceeded the Credit Limit for all purposes\nunder this Agreement.\n4. Notices. Bank will send periodic statements and any other notices to Cardholder at the address shown in Bank\'s files. If this is a\njoint Account, Bank can send periodic statements and notices to\neither Cardholder. Cardholder promises to inform Bank promptly,\nin writing, of any changes in Cardholder\'s address. Cardholder authorizes Bank, or anyone acting on Bank\'s behalf, to call or send a\n\ntext message to any number Cardholder provides or to any number\nwhere Bank may reasonably believe Bank can contact cardholder,\nincluding calls to mobile, cellular, or similar devices, and calls using\nautomatic telephone dialing systems and/or pre-recorded messages, or to send an email to any address where Bank reasonably\nbelieves Bank can contact Cardholder. Calls and messages may\nbe made for any lawful purpose, including but not limited to: suspected fraud or identity theft; obtaining information; Cardholder\'s\naccount transactions or servicing; collecting on Cardholder\'s account; and providing Cardholder information about products and\nservices.\n5. Periodic Statement. As of the end of each monthly billing cycle,\nCardholder will be furnished a periodic statement showing, among\nother things, (a) the amount owed ("Previous Balance") at the beginning of the billing cycle, (b) the amount of all Cash Advances,\nCredit Purchases and Finance Charge posted to the Account during the billing cycle, (c) the amount of all payments and credits\nposted to the Account during the billing cycle, and (d) the total\namount due ("New Balance") at the end of the billing cycle (which\namount is the sum of [a] and [b] less [c]), (e) the "Minimum Payment," and (f) the "Payment Due Date." If Cardholder is composed\nof more than one person, only one periodic statement will be provided.\n6. Minimum Payment. Cardholder agrees to pay to Bank, on or\nprior to the Payment Due Date shown on the periodic statement,\nthe sum of (a) either (i) the entire New Balance or (ii) at Cardholder\'s option, an amount which shall be at least 2.50% of the New\nBalance (rounded up to the nearest dollar) or $50.00, whichever is\ngreater, and (b) any amount that is past due and any amount that\nis over the Credit Limit. If the New Balance is less than $50.00, it\nshall be paid in full. Cardholder may pay more than the Minimum\nPayment, and may at any time pay the full amount owing to Bank.\nIf Cardholder pays more than the Minimum Payment, Cardholder\nmust still pay the Minimum Payment as reflected on the next periodic statement. The Payment Due Date for a billing cycle will be\nnot less than twenty-five (25) days after the preceding billing cycle\nends (the "Closing Date").\n7. Annual Fee. Bank does not charge an annual fee for the Card.\n8. Late Payment Fee. If Bank does not receive a payment from\nCardholder in at least the amount of the Minimum Payment within\n30 days after the Payment Due Date shown on the periodic statement, Bank may charge Cardholder a late payment fee in the\namount stated below in the Table of Charges. Cardholder will only\nbe charged a late payment fee for any Minimum Payment which is\nnot paid within 30 days after the Payment Due Date.\n9. Cash Advance Fee. Each time Cardholder uses the Card or a\nConvenience Check to obtain a Cash Advance, Bank will assess a\ncash advance fee in the amount stated in the Table of Charges.\n10. When Finance Charge Begins. Bank adds a Finance Charge\nto the Account for all Cash Advances from the later of (a) the day\nthe Cash Advance is posted to the Account, or (b) the first day of\nthe billing cycle in which the Cash Advance is posted until Cardholder pays the transaction(s) in full. For Credit Purchases, Bank\nadds a Finance Charge to the Account if the Cardholder does not\npay the New Balance in full by the Payment Due Date shown on\nthe periodic statement. If Bank adds a Finance Charge, Bank begins to charge the Finance Charge on all amounts Cardholder\nowes Bank (except "New Purchases") from the first day of the billing cycle; provided, however, any portion of the New Balance subject to a grace period that is paid prior to the expiration of the grace\nperiod will not be assessed a Finance Charge. For New Purchases,\nBank begins to charge the Finance Charge from the date Bank\nposts the New Purchase to the Account unless Cardholder has\npaid the New Balance in full on the previous periodic statement. A\nNew Purchase is one that appears on the periodic statement for\nthe first time.\n11. Calculation of Finance Charge. Bank calculates the Finance\nCharge on the Account by applying the "Periodic Rate" (defined\nbelow) to the "Average Daily Balance" of the Account. To obtain\nthe Average Daily Balance, Bank starts with the beginning balance\nof the Account on each day, excluding unpaid Finance Charges.\nBank adds any Cash Advances posted to the Account that day, and\nany New Purchases, unless Cardholder paid the New Balance in\nfull for the previous billing cycle by the Payment Due Date. Bank\nsubtracts any credits and payments (after any unpaid Finance\nCharges are paid) posted to the Account that day. This results in\nthe "Daily Balance." Then, Bank adds up all the Daily Balances for\nthe billing cycle and divides that by the total number of days in the\nbilling cycle. This results in the Average Daily Balance. The Finance Charge on the Account is calculated by multiplying the Average Daily Balance by the Periodic Rate which is .007083.\n\nTable of Charges\nInterest Rate and Interest Charges\n\nAnnual Percentage\nRate (APR)\n\n8.50% for Cash Ad-\n\nDefault APR and\nWhen It Applies\n\n18%\nThis APR may be applied\nto Cardholder\'s account\nwhen the full balance becomes due and payable\nand Cardholder has been\nnotified of the APR increase.\n\nPaying Interest\n\nCardholder\'s Payment Due\nDate is at least 25 days after the close of each billing\ncycle. Bank will not charge\nany interest on purchases\nif Cardholder pays the entire balance by the Payment Due Date each\nmonth. Bank will begin\ncharging interest on Cash\nAdvances on the transaction date.\n\nCredit Card Tips\nfrom the Federal\nReserve Board\n\nTo learn more about factors to consider when using\na credit card, visit the website of the Federal Reserve\nBoard at http://www.federalreserve.gov/creditcard\n\nvances and/or Credit Purchases.\n(The APR will vary with the\nmarket based on the Prime\nRate)**\n\nFees\nAnnual Fees\nNone\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer None\n\xe2\x80\xa2 Cash Advance Either $2.00 or 2% of the\namount of each Cash Advance, whichever is\ngreater, but not more than\n$75.00 per Cash Advance\nPenalty Fees\n\xe2\x80\xa2 Late Payment The lesser of $15.00, or\n5% of each Minimum Payment which is not made\nwithin 30 days after the applicable Payment Due Date\n\xe2\x80\xa2 Over Credit Limit None\n\xe2\x80\xa2 Returned Payment $20.00\n** For Cash Advances and Credit Purchases, Bank adds 5% to\nthe Prime Rate to determine the variable APR (Periodic Rate\n.007083 as of January 1, 2016).\n\nHOW BANK WILL CALCULATE CARDHOLDER\xe2\x80\x99S BALANCE:\nBank uses the average daily balance method (including new transactions). See \xe2\x80\x9cCalculation of Finance Charge\xe2\x80\x9d section in this\nAgreement.\nNew Platinum Account (1/1/2016)\n\n\x0cFor Credit Purchases and Cash Advances, the APR varies with\nchanges to the Prime Rate. The \xe2\x80\x9cPrime Rate\xe2\x80\x9d is the highest prime\nrate published in the Money Rates column of the Wall Street Journal 30 days before the Closing Date on Cardholder\xe2\x80\x99s periodic statement (the \xe2\x80\x9cCalculation Date\xe2\x80\x9d). On January 1, 2016, the Prime Rate\nwas 3.50% therefore the APR was 8.50% as to Credit Purchases\nand Cash Advances. The APR will go up and down depending on\nthe Prime Rate as of each Calculation Date; however, the APR is\nsubject to change only on the first day of each billing cycle. If the\nPrime Rate and the corresponding APR increase, the Finance\nCharge also will increase and Cardholder\xe2\x80\x99s Minimum Payment may\nalso increase. The Prime Rate is only a pricing index and is not the\nlowest interest rate available.\nBILLING RIGHTS: Information on Cardholder\xe2\x80\x99s rights to dispute\ntransactions and how to exercise those rights are included in this\nAgreement. See \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d section in this Agreement.\n12. Other Payment Terms. All payments received on or before (a)\n5 o\'clock p.m. (Fort Worth, Texas time) on Bank\'s business day at\nthe address indicated on the periodic statement, or (b) the closing\ntime of the applicable branch if payment is made in person, will be\ncredited to the Account as of the date of receipt of payment. If payment is made at any other location, credit for the payment may be\ndelayed up to 5 days. Bank can accept late or partial payments, as\nwell as payments that are marked with "Paid In Full" or any other\nsimilar language without losing or waiving any of Bank\xe2\x80\x99s rights or\nCardholder\'s obligations under this Agreement. Payment by check\nconstitutes Cardholder\'s authorization for Bank to make a one-time\nelectronic funds transfer from Cardholder\'s bank to make such payment. Bank is not responsible for any lost or stolen cash payments.\nPayments and credits to the Account will be applied in the following\norder:\n\xef\x82\xa8 Unpaid Finance Charge;\n\xef\x82\xa8 Late Fee;\n\xef\x82\xa8 Cash Advance from previous billing cycle;\n\xef\x82\xa8 Credit Purchases from previous billing cycle;\n\xef\x82\xa8 Cash Advances from current billing cycle; and\n\xef\x82\xa8 Credit Purchases from current billing cycle.\nIf two APRs apply to Cardholder\xe2\x80\x99s balance, after payment of accrued Finance Charges and late fees, Bank will allocate the rest of\nthe payment to the balance which has the higher APR.\n13. Convenience Checks. Bank may issue "Convenience\nChecks" to Cardholder that may be used to access the Account.\nUse of a Convenience Check will be treated as a Cash Advance in\nthe amount of the Check. Each Convenience Check will contain\nCardholder\'s Account Number, and may be used only by the person(s) whose name(s) is/are printed on it. Each Convenience\nCheck must be completed and signed in the same way as a regular\npersonal check. If Bank provides Convenience Checks for the Account, Cardholder may not use them to pay any amount Cardholder\nowes under this Agreement. Cardholder agrees that Bank need not\nreturn Convenience Checks to Cardholder after their use, and that,\nif Cardholder needs evidence of any payment represented by the\nConvenience Check, a photocopy or similar reproduction will be\nsatisfactory for such purposes. If Cardholder wishes to prevent\npayment of a Convenience Check, the instructions which Bank provides when the Convenience Checks are issued must be followed.\nIn the event payment of a Convenience Check has been stopped,\nCardholder agrees to hold Bank harmless and indemnify Bank for\nany losses, expenses and costs, including attorney\'s fees incurred\nby Bank, for preventing payment of any Convenience Check. Bank\nwill use its best efforts to stop payment, but will incur no liability to\nCardholder if it is unable to stop payment on a Convenience Check.\n14. Transaction Limits. Bank may establish limits on the amount\nCardholder may borrow or the types of transactions Bank will permit, such as one or more of the following:\n\xef\x82\xb7 Cash Advance, Balance Transfer, or Purchase Limits which is\nthe maximum balance for each type of transaction Cardholder\nmay have.\n\xef\x82\xb7 Daily limits which are limits on the number or total dollar\namount of certain transactions that Bank will authorize in a\nsingle day.\n\xef\x82\xb7 Location limits which are certain geographic or merchant locations where Bank may not permit transactions to be made\nusually due to a higher risk of fraud or illegal activity.\n\xef\x82\xb7 Legal limits or limits on the use of an Account Bank deems\nnecessary to comply with the law or prevent liability to Bank\nor anyone else.\n\xef\x82\xb7 Other limits which Bank may establish to prevent fraud or\nlosses on the Account or to protect Bank, its members, vendors, affiliates, or other persons.\nBank will advise Cardholder about some of the limits such as Cardholder\xe2\x80\x99s credit limit; however, for security and other reasons Bank\nwill not tell Cardholder about all the limits Bank sets. Cardholder\nagrees not to exceed the limits of which it has been informed or\nallow the Account to exceed those limits. Bank can increase, reduce, cancel, or suspend any of the limits or add new limits at any\ntime.\n15. Termination. Bank may terminate Cardholder\'s privileges under this Agreement or limit Cardholder\'s right to make Credit Purchases or receive Cash Advances at any time (and list Cardholder\'s Account in warning bulletins in the event of such termination)\nwithout any reason or without advance notice or resulting liability.\nIf Bank requests, Cardholder must return the Card and Convenience Checks to Bank. Cardholder agrees that Cardholder will not\ntry to make a Credit Purchase or obtain a Cash Advance after Card-\n\nholder has been notified that Cardholder\'s privilege to use the Account has been terminated. Cardholder may terminate this Agreement at any time. If Cardholder does terminate, all Cards and Convenience Checks previously issued on the Account must be returned to Bank. If Cardholder telephones Bank with the termination\nrequest, Bank may require that Cardholder confirm such intent to\nterminate in writing. Bank\'s or Cardholder\'s termination will not affect Cardholder\'s existing obligations under this Agreement or\nCardholder\'s liability for all charges posted to Cardholder\'s Account\nprior to the time all Cards and Convenience Checks are returned\nto Bank. When the Account is closed, Cardholder must contact\neveryone authorized to charge transactions to the Account, such\nas internet service providers, health clubs or insurance companies.\nThese transactions may continue to be charged to the Account until\nCardholder changes the billing. Also, if the Bank believes Cardholder has authorized a transaction or is attempting to use Cardholder\xe2\x80\x99s Account after Cardholder has requested to close the Account, Bank may allow the transaction to be charged to the Account. If the Account is terminated by Cardholder or by Bank for\nreasons other than Cardholder\'s default, Cardholder will be required to pay the outstanding balance on the Account according to\nthe terms of this Agreement immediately prior to such termination.\n16. Default. If (a) Cardholder defaults in any payment required to\nbe made on the Account or otherwise violates any provision of this\nAgreement, or (b) Cardholder dies or seeks to obtain any relief as\na debtor in any proceeding under any bankruptcy, insolvency, or\ndebtor relief law, or (c) Cardholder provides Bank with false or misleading information or signatures at any time, or (d) Cardholder fails\nto make any payment or perform any promise in any other agreement or obligation that Cardholder owes Bank, then Cardholder will\nbe in default under this Agreement. Bank, upon such default, may\nat its election (a) decline to extend further credit under this Agreement (and Cardholder agrees not to make further Credit Purchases\nor to obtain further Cash Advances) and (b) declare all amounts\nthen owed to Bank by Cardholder immediately due and payable,\nwithout prior notice or demand of any kind, except as may be required by applicable law. After Bank declares all amounts then\nowed to Bank by Cardholder to be due and payable, and terminates\nCardholder\xe2\x80\x99s credit privileges under the Account Bank, at its option\n(but only after providing to Cardholder notice if such is required by\napplicable law), may increase the Annual Percentage Rate up to\n18%, which is the Default Rate under the Table of Charges.\n17. Collection Charges. If Cardholder defaults, to the extent permitted by applicable law, Cardholder agrees to pay (a) all amounts\nactually incurred by Bank as court costs and attorneys\' fees set by\na court in connection with the collection of amounts due by Cardholder under the Account and (b) premiums or other identifiable\ncharges received in connection with the permitted sale of insurance. In addition, Bank may impose on Cardholder a processing\nfee of $20.00 if a check provided to Bank by Cardholder is dishonored for any reason. The dishonored check processing fee may be\nadded to the New Balance and is payable on the next following due\ndate, however, such fee will not accrue any Finance Charge.\n18. Governing Law. This Agreement is performable in Texas and\nis made pursuant to the provisions of Chapter 346 of the Texas\nFinance Code, as amended. THE VALIDITY, CONSTRUCTION,\nAND ENFORCEMENT OF THIS AGREEMENT AND ALL MATTERS ARISING OUT OF THE ISSUANCE AND USE OF THE\nCARD SHALL BE GOVERNED BY THE LAWS OF THE STATE\nOF TEXAS AND, TO THE EXTENT APPLICABLE, THE LAWS OF\nTHE UNITED STATES.\n19. Amendment. The terms of this Agreement including, but not\nlimited to, the rate or index, formula or provision of law used to\ncompute the ANNUAL PERCENTAGE RATE are subject to revision as to current and future balances, from time to time, by written\nnotice from Bank to Cardholder as provided by applicable law.\n20. Telephone Conversations. Cardholder agrees that Bank, its\nagents, or service companies may monitor and/or record any telephone communications with Cardholder.\n21. Liability for Unauthorized Use. Cardholder may be liable for\nunauthorized use of the Account. If the Card is lost or stolen, or if\nCardholder believes someone is using the Account without proper\nauthority, Cardholder must notify Bank immediately by calling 1800-325-3678. Cardholder will not be liable for unauthorized use\nthat occurs after Cardholder notifies Bank of the loss or theft of the\nCard or Convenience Check, or the possible unauthorized use of\nthe Account. Bank may terminate or limit access to the Account if\nCardholder has notified Bank, or if Bank has determined that the\nCard or Convenience Check may have been lost or stolen, or that\nthere may be unauthorized access to the Account. Cardholder\nagrees to provide Bank with complete cooperation in Bank\'s efforts\nto recover any stolen Card or Convenience Check and amounts\ndue from unauthorized users, and in prosecuting unauthorized users.\n22. Bank\xe2\x80\x99s Liability for Failing to Make Transfers. If Bank does\nnot complete a transaction to or from the Account on time or in the\ncorrect amount according to this Agreement, Bank may be liable\nfor Cardholder\'s losses or damages. However, there are some exceptions. Bank will not be liable, for instance: (a) if, through no fault\nof Bank\'s, the available credit is insufficient for the transaction or is\nunavailable for withdrawal (for example, because funds have not\nbeen finally collected or are subject to legal process); (b) if a computer system, ATM, or point of sale terminal did not have enough\ncash or was not working properly and Cardholder knew about the\nproblem when Cardholder started the transaction; (c) if Cardholder\nattempts to use the Account or the Card which has not been\nproperly activated; (d) if the Card has been reported as lost or stolen, has been suspended by Bank or Bank has reason to believe\nthe transaction is not authorized by Cardholder, or if Cardholder is\n\ntrying to defraud Bank; or (e) as otherwise provided in this Agreement.\n23. Assignment of Account. Cardholder agrees that Bank may at\nany time assign and transfer Cardholder\'s Account, this Agreement, and Bank\'s rights and obligations under this Agreement,\nwithout Cardholder\'s consent or notice to Cardholder. The person\nto whom the Account and Agreement is assigned shall be entitled\nto all of Bank\'s rights under this Agreement.\n24. Information Sharing. Cardholder authorizes Bank to share information concerning Cardholder and Cardholder\xe2\x80\x99s Account with\ncompanies related to Bank by common ownership. Cardholder authorizes Bank to share information with companies in which Bank\nhas an ownership interest, concerning purchases made by Cardholder using Cardholder\xe2\x80\x99s Account, for the purpose of obtaining\nspecial merchandise offers or discounts for Cardholder. Cardholder\ndoes not authorize Bank to disclose Cardholder\xe2\x80\x99s name, address,\ntelephone number or other personal information to these companies.\n25. Credit Reporting Agencies. Bank may review Cardholder\xe2\x80\x99s\ncredit history by obtaining information from credit reporting agencies and others. Bank may report information about Cardholder and\nCardholder\xe2\x80\x99s Account to credit reporting agencies. If Cardholder requests additional cards on Cardholder\xe2\x80\x99s Account for others, Bank\nmay report Account information in Cardholder\xe2\x80\x99s name as well as in\nthe names of those other people. A negative credit report which\nmay affect Cardholder\xe2\x80\x99s credit record may be submitted to a credit\nreporting agency if Cardholder fails to keep Cardholder\xe2\x80\x99s promises\nunder this Agreement. If Cardholder thinks Bank has reported information to a credit reporting agency that is not correct, Cardholder may write to Bank using the address listed on Cardholder\xe2\x80\x99s\nbilling statement or 1 FirstComm Plaza, Fort Worth, Texas 76109.\nPlease include Cardholder\xe2\x80\x99s name, address, Account number, telephone number, Social Security Number, and a brief description of\nthe problem and, if available, a copy of the credit reporting agency\nreport. Bank will investigate the matter. If Bank\xe2\x80\x99s investigation\nshows that Cardholder is correct, Bank will contact each credit reporting agency to which Bank reported the information and will request they correct the report. If Bank disagrees with Cardholder\nafter Bank\xe2\x80\x99s investigation, Bank will tell Cardholder in writing or by\ntelephone.\n26. Delay of Rights. Bank can waive or delay enforcement of any\nof its rights under this Agreement without losing them.\n27. Separable Provisions. If any provision of this Agreement is\nheld to be invalid or enforceable, the rest of this Agreement will not\nbe affected. Cardholder will not be held liable for Finance Charges\nor other fees and charges greater than the maximum allowed by\nlaw that applies.\n28. Limitation of Responsibility. Bank will not be responsible for\nmerchandise or services purchased by Cardholder with the Card or\nConvenience Check unless required by law. Any refund, adjustment or credit allowed by a Seller shall not be cash, but rather be\nby a credit advice to Bank which shall be shown as a credit on the\nperiodic statement. Bank will not be responsible for the refusal of\nany person to honor the Card or Convenience Check or if Cardholder is not able to use the Card at an ATM. (a) Bank will not be\nresponsible for merchandise or services purchased by Cardholder\nwith the Card or Convenience Check unless required by law. Any\nrefund, adjustment or credit allowed by a Seller shall not be cash,\nbut rather be by a credit advice to Bank which shall be shown as a\ncredit on the periodic statement. Bank will not be responsible for\nthe refusal of any person to honor the Card or Convenience Check\nor if Cardholder is not able to use the Card at an ATM[; and (b)\nBANK WILL NOT BE LIABLE TO CARDHOLDER FOR DELAYS\nOR MISTAKES RESULTING FROM ANY CIRCUMSTANCES BEYOND BANK\'S CONTROL, INCLUDING, WITHOUT LIMITATION,\nACTS OF GOVERNMENTAL AUTHORITIES, NATIONAL EMERGENCIES, INSURRECTION, WAR, OR RIOTS; THE FAILURE OF\nMERCHANTS TO HONOR THE CARD; THE FAILURE OF MERCHANTS TO PERFORM OR PROVIDE SERVICES; COMMUNICATION SYSTEMFAILURES; OR FAILURES OR MALFUNCTIONS ATTRIBUTABLE TO CARDHOLDER\'S EQUIPMENT, ANY\nINTERNET SERVICE, OR ANY PAYMENT SYSTEM. IN THE\nEVENT THAT BANK IS HELD LIABLE TO CARDHOLDER, CARDHOLDER WILL ONLY BE ENTITLED TO RECOVER CARDHOLDER\'S ACTUAL DAMAGES. IN NO EVENT SHALL CARDHOLDER\nBE ENTITLED TO RECOVER ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY OR SPECIAL DAMAGES (WHETHER IN\nCONTRACT, TORT OR OTHERWISE), EVEN IF CARDHOLDER\nHAS ADVISED BANK OF THE POSSIBILITY OF SUCH DAMAGES. THIS PROVISION SHALL NOT BE EFFECTIVE TO THE\nEXTENT OTHERWISE PROHIBITED BY LAW.\n29. Transactions Made in Foreign Currencies. If Cardholder\nmakes a transaction in a foreign currency, the transaction will be\nconverted by Visa into a U.S. dollar amount in accordance with the\noperating regulations or conversion procedures in effect at the time\nthat the transaction is processed. Currently, those regulations and\nprocedures provide that the currency conversion rate to be used is\neither (a) a wholesale market rate or (b) a government-mandated\nrate in effect one (1) day prior to the processing date, increased by\none percent (1%) in each case. Visa retains this one percent as\ncompensation for performing the currency conversion service. The\ncurrency conversion rate in effect on the processing date may differ\nfrom the rate in effect on the transaction date or the posting date.\n30. USA Patriot Act. Bank is subject to the requirement of the USA\nPatriot Act (Title III of Pub. L. 107 56 [signed into law October 26,\n2001]) (the \xe2\x80\x9cAct\xe2\x80\x9d) and hereby notifies Cardholder that pursuant to\nthe requirements of the Act, it is required to obtain, verify, and record information that identifies Cardholder which information includes the name and address of Cardholder and other information\nNew Platinum Account (1/1/2016)\n\n\x0cthat will allow such Bank to identify Cardholder in accordance with\nthe Act.\n31. Other Agreements. This Agreement supersedes all prior\nAgreements between Bank and Cardholder governing the use of\nthe Card and the Account.\nSTATE SPECIFIC INFORMATION\nCalifornia Residents: Cardholder (a) may use the Account up to\nits Credit Limit; (b) may be liable for amounts extended under the\nAccount to any joint Cardholder. As required by law, Cardholder is\nhereby notified that a negative credit report reflecting on Cardholder\'s credit record may be submitted to a credit reporting agency if\nCardholder fails to fulfill the terms of Cardholder\'s credit obligations.\nOhio Residents: Ohio anti-discrimination laws require creditors to\nmake credit equally available to all creditworthy customers and that\ncredit reporting agencies maintain separate credit histories on individuals upon request. The Ohio Civil Rights Commission administers these laws.\nNew York and Vermont Residents: Bank may obtain at any time\nCardholder\'s credit reports for any legitimate purpose associated\nwith the Account or the application or request for an Account, including but not limited to reviewing, modifying, renewing and collecting on Cardholder\'s Account. On Cardholder\'s request Cardholder will be informed if such a report was ordered. If so, Cardholder will be given the name and address of the consumer reporting agency furnishing the report. New York residents may contact\nthe New York State Banking Department (1-800-518-8866) for a\ncomparative list of credit card rates, fees, and grace periods.\nMarried Wisconsin Applicants: No provisions of any marital\nproperty agreement, unilateral statement, or court order applying\nto marital property will adversely affect a creditor\'s interests unless\nprior to the time credit is granted, the creditor is furnished a copy of\nthe agreement, statement or court order, or has actual knowledge\nof the provision.\nYOUR BILLING RIGHTS: Keep this Document for Future Use\nThis Notice contains important information about your rights and\nour responsibilities under the Fair Credit Billing Act. For purposes\nof this Notice, "we" and "us" mean Bank, and "you" and "your"\nmean Cardholder.\n\nmust let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay\nthe first $50 of the amount you question even if your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR\nCREDIT 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\nto 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\nwithin 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold\nyou the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check\nthat accesses your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with\nthe purchase, contact us in writing on a separate sheet at the Cardmember Service address shown on your billing statement.\nWhile we investigate, the same rules apply to the disputed amount\nas discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and\nyou do not pay, we may report you as delinquent.\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 on a\nseparate sheet at the Cardmember Service address shown on your\nbilling statement.\nIn your letter, give us the following information:\n\xef\x82\xb7 Account information: Your name and Account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7 Description of problem: If you think there is an error on your bill,\ndescribe what you believe is wrong and why you believe it is a\nmistake.\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you think\nis wrong.\nYou must notify us of any potential errors in writing. You may call\nus, but if you do we are not required to investigate any potential\nerrors 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\nreceived your letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct\nthe error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7 We cannot try to collect the amount in question, or report\nyou as delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your statement, and\nwe may continue to charge you interest on that amount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you\nare responsible for the remainder of your balance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 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\xef\x82\xb7 If we do not believe there was a mistake: You will have to\npay the amount in question, along with applicable interest\nand fees. We will send you a statement of the amount you\nowe and the date payment is due. We may then report you\nas delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to pay.\nIf 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\nNew Platinum Account (1/1/2016)\n\n\x0c'


b'VISA Platinum Agreement and Disclosure\nThis agreement is between you and Team One Credit Union.\nIn this Agreement, "card" means any VISA credit card issued to you or any\nauthorized user by Issuer. "Cardholder" means each person who has signed\nthe VISA Application in connection with this Account. "Account" means each\naccount Issuer maintains under this Agreement. Cardholder agrees to be\nbound by this Agreement when he or she signs Issuer\'s VISA credit card\napplication, signs or uses a card, or permits someone else to use a card.\n1 Use of Card. Goods and services ("Credit Purchases") may be purchased\nor leased by means of such card by Cardholder from any retail business\nestablishment ("Seller") who honors same upon the execution of a sales\nslip evidencing such Credit Purchase and bearing the account number of\nCardholder on the face of such Card. Additionally, VISA Cash Advances\n("Loans") may be obtained through use of such Card (a) upon execution of\na written request of Cardholder in a form furnished to Cardholder from any\nbank that is a member, alone or in association with others, of VISA U.S.A.,\nInc. and (b) upon execution of a written separate agreement with issuer for\na VISA overdraft financing agreement, if offered by Issuer: Cardholder\nunderstands and agrees that VISA cards may not be used for any illegal\ntransaction.\n2 Promise to Pay. Cardholder shall be liable and agrees to pay Issuer for\nCredit Purchases made by or for loans extended to Cardholder or anyone\nelse using such card unless the use of such Card is by a person other than\nthe Cardholder (a) who does not have actual, implied or apparent authority\nfor such use, and (b) from which Cardholder receives no benefit.\n3 Authorized Users. Issuer may, at the request of the Cardholder, issue\nadditional cards for use by persons designated by such Cardholder as\n"authorized users". Cardholder should not let anyone else use his or her\ncard. Participating merchants and banks are not required to honor a card\nunless it is presented by the person whose name is printed on the card.\nCardholder shall be jointly and severally liable and agrees to pay for all\nCredit Purchases and Cash Advances obtained through the use of any\ncard by an authorized user.\n4 Statements. Issuer will send to Cardholder, at regular intervals\ndetermined by Issuer, a statement reflecting for the prior period all card\ntransactions. Such statement shall be deemed correct and accepted by\nCardholder unless Issuer is notified to the contrary in writing within 60 days\nof mailing/providing access to such statement.\n5 Payments. Each month you must pay at least the minimum payment\namount shown on your statement by the date specified on the statement.\nYou may pay more frequently, pay more than the minimum payment or\npay the total new balance in full. If you make extra or larger payments,\nyou are still required to make at least the minimum payment each month\nyour account has a balance (other than a credit balance). For our VISA,\nthe minimum periodic payment required is the total new balance as shown\non Cardholder\'s monthly billing statement if the amount is under $25.00.\nOtherwise, the minimum periodic payment is 3% of the unpaid balance or\n$25.00, whichever is greater. The Credit Union will apply each payment\nfrom highest to lowest interest rate. Cardholder will pay such statement by\nremitting to Issuer within 25 days of the closing date reflected on the\nstatement either the full amount billed or, at Cardholder\'s option, an\ninstallment equal to at least the required minimum payment.\n6 Method of Computing the Finance Charge. The total finance charge for\na billing cycle is the finance charge imposed on Credit Purchases plus the\nfinance charge imposed on Cash Advances.\n(a) Cash Advances-Average Daily Balance (Including New\nAdvances). A finance charge will be imposed on Cash Advances from the\ndate made. The finance charge on Cash Advances for a billing cycle is\ncomputed by applying the monthly periodic rate to the average daily balance\nof Cash Advances for the billing cycle, which is determined by dividing the\nsum of the daily balances by the number of days in the billing cycle. Each\ndaily balance of Cash Advances is determined by adding the outstanding\nunpaid balance of Cash Advances at the beginning of the billing cycle, any\nnew Cash Advances posted to the account, and subtracting any payments as\nreceived or credits as posted to the account, but excluding any unpaid\nfinance charges. If the new balance (Cash Advances plus Credit Purchases)\nshown on Cardholder\'s periodic statement for a billing cycle is paid in full\nbefore the payment due date, no additional finance charges will be imposed.\n(b) Credit Purchases \xe2\x80\x93 Average Daily Balance (Excluding New\nPurchases). Cardholder has a grace period for payment of balance of Credit\n\nPurchases. This means if Cardholder pays the entire new balance of Credit\nPurchases only shown on the periodic statement by the due date shown on the\nstatement, the Issuer will not charge a finance charge on the average daily\nbalance of new Credit Purchases. The due date will be 25 days from the closing\ndate of that Statement. If the entire new balance shown is not paid within that\n25 day period, a finance charge will be imposed on the average daily balance.\nWe calculate the interest charge on your account by applying the periodic rate\nto the "average daily balance" of your account. To get the "average daily\nbalance" we take the beginning balance of your account each day and subtract\nany unpaid interest or other finance charges and any payments or credits. We\ndo not add in any new purchases or fees. This gives us the daily balance.\nThen, we add all the daily balances for the billing cycle together and divide the\ntotal by the number of days in the billing cycle. This gives us the "average daily\nbalance."\n7 Periodic Rate. The periodic rates applicable to purchases, cash advances,\nand balance transfers are disclosed on the Disclosure that accompanies\nthis Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any\nrate change will be made pursuant to applicable law.\n8 Termination. Issuer may terminate Cardholder\'s privileges under the\nAgreement at any time for any reason. Issuer will promptly send a written\nnotice of termination to the address to which it sends the periodic\nstatements. Cardholder may terminate his or her privileges under this\nAgreement at any time by giving Issuer written notice of termination.\nCardholder\'s termination will be effective only after Issuer has received\nwritten notice and Cardholder has returned all cards and checks to Issuer.\nCardholder remains liable for all obligations resulting from use of the card\nor an authorized user\'s use of his or her card, even after Issuer receives\nwritten notice. Cardholder also remains obligated to pay all amounts owed\non the account, including any amounts not yet billed. Each card is the\nproperty of Issuer, is not transferable, and must be surrendered upon\ndemand. It can be cancelled as well as repossessed by Issuer or its\ndesignee, and the privileges thereof revoked, at any time without prior\nnotice.\n9 Credit Limit. Cardholder shall not use card to obtain Credit Purchases or\nLoans which will increase the account\'s indebtedness to Issuer to an\namount in excess of the limit established by Issuer. The limit established\nby Issuer is shown on the periodic statement.\n10 Refusal to Honor Card. All Credit Purchases and Loans are effected at\nthe option of the Seller and Cash Advancing Institution, respectively, and\nIssuer shall not be responsible for refusal by any Seller or Cash Advancing\nInstitution to honor the card or any Related Card. Any refund, adjustment,\nor credit allowed by Seller shall not be by cash, but rather by a credit\nadvance to Issuer which shall be shown as a credit on Cardholder\'s\naccount statement with Issuer.\n11 Attorneys\' Fees and Costs. In the event of suit to collect unpaid\nbalances, all costs, including reasonable attorneys\' fees, and also those\ncosts, expenses, and attorneys\' fees incurred in appellate, bankruptcy, and\npost judgment proceedings, shall be imposed, and the Cardholder agrees\nto pay such costs, fees and expenses, except to the extent such costs,\nfees, or expenses are prohibited by law.\n12 Additional Charges. Additional charges may also be assessed if the\nCardholder pays the Credit Union with a check not honored by the\nfinancial institution it is drawn on, makes delinquent payments, requests a\ncopy of a document, requests a replacement card or used the card at an\nautomatic teller machine, if such charges are not prohibited by law or\nregulation. Cardholder agrees to pay such charges, all of which are\nspecified in the VISA Summary of Terms Disclosure provided with this\nAgreement. All such charges shall be treated as credit purchases for\npurpose of calculating finance charges unless prohibited by law or\nregulation. If you use an automated teller machine that is not operated by\nus, you may be charged a fee by the operator of the machine and/or by an\nautomated transfer network.\n13 Security Interest. You grant the Credit Union a security interest under\nthe Uniform Commercial Code and under any common law rights the\nCredit Union may have in any goods you purchase. If you give the\nCredit Union a specific pledge of shares, your pledged shares will\nsecure your account. You may not withdraw amounts that have been\nspecifically pledged to secure your account until the Credit Union\nagrees to release all or part of the pledged amount. Your Account is\nsecured by all other shares you have in any individual or joint account\nwith the Credit Union, except for shares in an Individual Retirement\nAccount or in any other account that would lose special tax treatment\nunder state or federal law if given as security. These other shares may\nbe withdrawn unless you are in default under this agreement. You\nauthorize the Credit Union to apply the balance in your individual or\njoint share accounts to pay any amounts due on your Account should\nyou default. Collateral securing other loans you have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as\nsecurity for this account, notwithstanding anything to the contrary in any\nother agreement.\n\nP.O. Box 1260\nSaginaw, MI 48606\n888.288.3261\n\nRevision date: March 18, 2015\n\n\x0c14 Default. Cardholder will be in default if (a) he or she fails to make a\npayment on this Account when due; (b) he or she is in default under any\nother loan, line of credit, or security agreement with Issuer; (c) he or she\nbecomes insolvent or a receiver is appointed for his or her property or if\ncourt proceedings are started for liquidation of his or her debts; (d) a levy,\nseizure, or attachment is made on his or her accounts; (e) any oral or\nwritten statement by Cardholder or any third party to induce the Issuer to\nopen this Account proves to have been false in any material regard when it\nwas made; (f) he or she dies; or (g) facts and circumstances enable the\nIssuer to reasonably doubt the collectability of Cardholder\'s obligation,\ntime being of the essence. If Cardholder is in default, Issuer may elect to\ndeclare all amounts then owed to Issuer to be immediately due and\npayable without notice or demand of any kind. If Cardholder is in default,\nIssuer may also, at its option at any time, do one or more of the following:\n\xef\x82\xb7\nTerminate or suspend Cardholder\'s privileges,\n\xef\x82\xb7\nRefuse to make or authorize any Cash Advances, Balance\nTransfers or Credit Card Purchases,\n\xef\x82\xb7\nRefuse to honor and return any checks drawn on Cardholder\'s\naccount,\n\xef\x82\xb7\nSue Cardholder or take any other action to collect Cardholder\'s\naccount,\n\xef\x82\xb7\nCharge Cardholder\'s account with all reasonable costs incurred in\ntrying to collect any amount owed under this Agreement, including\nreasonable attorneys\' fees and court costs.\n15 Bankruptcy. Cardholder agrees that Cardholder will not use his or her\ncard unless he or she honestly intends to repay Issuer the full amount due\nunder this agreement when it is due, and reasonably believes that\nCardholder will be able to do so. Cardholder agrees that Cardholder will\nnot make any further use of his or her card and that he or she will\nimmediately return all cards and special checks Issuer has given\nCardholder if a petition for relief under any chapter of the Federal\nBankruptcy Code has been filed either by Cardholder or against\nCardholder, if Cardholder believes that the filing of such petition is\nreasonably likely, or Cardholder has requested that an attorney prepare\nsuch a petition for Cardholder, even if Cardholder might decide not to file\nit. The entire unpaid balance that Cardholder owed Issuer under this\nAgreement will automatically become due and payable immediately\nwithout any further act or notice if a petition for relief is filed by or against\nCardholder under any chapter of the United States Bankruptcy Code.\n16 Change of Terms. Issuer can change any of the terms of this Agreement,\nincluding, but not limited to, the maximum periodic rate, at any time. If\nIssuer does change the terms, Issuer will send a written notice 45 days\nprior to the change to the address to which Issuer sends Cardholder\'s\nstatements. A change in terms increasing the interest rate will not apply to\nCardholder\'s current balance. Only new purchases, cash advances, and\nbalance transfers would be subject to the change in interest rate. Issuer\ncan change the terms of the account to reduce the minimum monthly\npayment or the finance charges on Cardholder\'s account after giving\ncardholder 45 days notice. Issuer\'s rights and responsibilities will not be\nchanged in any way by any oral statement, course of dealing, action or\ninaction except on express written notice of change.\n17 Other Terms. Issuer may, in Issuer\'s sole discretion, waive any penalty,\ndefer action on any penalty, extend the time for payment of any\ninstallments, reduce the amount of any installments, or release any\nCardholder from liability without relieving any Cardholders from liability\nunder this agreement. Issuer may take any such action without notice.\nIssuer need not notify Cardholder if Cardholder is in default or if\nCardholder\'s account becomes due and payable immediately. If\nCardholder is in penalty, no partial payment or performance by Cardholder\nwill cure Cardholder\'s penalty or restore Cardholder\'s rights and privileges\nunder this Agreement unless Issuer agrees in writing to restore them.\nIssuer will continue to have all of its rights under this Agreement, even if\nIssuer does not fully and promptly enforce and exercise them on all\nlocations. Issuer will not, under any circumstances, be liable for damages\nresulting from any failure by anyone to honor a card and extend credit or\nprovide a Cardholder service. If any provision of this Agreement violates\nany law, the remaining provisions of this Agreement will remain in effect.\nCardholder\'s account is governed by Michigan Law. If Cardholder is in\npenalty, Issuer may sue him or her in any court which has jurisdiction over\nthe lawsuit.\n18 Liability for Unauthorized Use. Cardholder will not be liable for\nthe unauthorized use of the credit card, provided Cardholder notifies\nIssuer, orally or in writing, of the loss, theft, or misappropriation of the\ncard at:\nTeam One CU Plastics Department\nPO Box 1260\nSaginaw, MI 48606\n888.288.3261\nand provided further that Cardholder has not been grossly negligent or\nfraudulent in the handling of the cards. For ATM and PIN transactions not\nprocessed through VISA/Plus, you can lose no more than $50 if someone\n\naccessed your account without your permission. If you don\xe2\x80\x99t tell us within\ntwo (2) business days after you learned of the unauthorized use, and we can\nprove that we could have stopped someone from accessing your account\nwithout your permission if you had told us, you could lose as much as $500.\nIf your statement shows unauthorized transfers, tell us at once. If you do not\ntell us within 60 days after the statement was mailed to you, you may not get\nback any money you lost after the 60 days if we can prove that we could\nhave stopped someone from taking the money if you had told us in time. If a\ngood reason (such as a long trip or hospital stay) kept you from telling us,\nwe will extend the time period. If you believe your card or PIN has been lost\nor stolen or that someone has transferred or may transfer funds from your\naccount without your permission, call the number below, or write to: Team\nOne Credit Union, Attn: Plastics Department, PO Box 1260, Saginaw, MI\n48606. If ten or more cards are issued for use by employees of a single\nbusiness or other organization, there is no limited Cardholder\'s liability\nfor any unauthorized use that occurs before Cardholder notifies Issuer as\nprovided herein: the business or organization may only impose liability on its\nemployees for unauthorized use of a card as authorized by Federal Law and\nRegulations.\n19 Permission to Monitor Telephone Calls. Cardholder agrees that Issuer,\nits agents, or service companies may monitor and/or record any telephone\ncommunications with Cardholder.\n20 Arbitration Provision. Any claim, dispute, or controversy (whether in\ncontract, tort, or otherwise, whether pre-existing, present, or future, and\nincluding statutory, common law, intentional tort, and equitable claims)\narising from or relating to any transaction you have ever entered into with\nus pursuant to this Agreement or pursuant to any past agreement between\nyou and us or your application for such transactions or our advertisements,\npromotion, or oral or written statements relating to such transactions or the\nrelationships which result from such transactions (including, to the full\nextent permitted by applicable law, relationships with third-parties who are\nnot signatories to such agreements or this Arbitration Provision) or the\nvalidity, enforceability, or scope of this Arbitration Provision, this\nAgreement, or any past agreements (collectively "Claim") shall be\nresolved, upon the election of you or us or said third-parties, by binding\narbitration pursuant to this Arbitration Provision. Notwithstanding the\npreceding sentence, you will have the right to seek relief in a small claims\ncourt for a Claim within the scope of the small claims court\'s jurisdiction;\nprovided, however, that Claims involving a punitive class or alleged\nmonetary damages exceeding the jurisdiction of a small claims court shall\nbe subject to binding arbitration pursuant to this Arbitration Provision. A\nparty who has asserted a Claim in a lawsuit in court may elect arbitration\nwith respect to any Claim subsequently asserted in that lawsuit by any\nother party or parties. If arbitration is chosen by any person entitled to elect\nto arbitrate a Claim, then arbitration of all Claims shall be mandatory and\nwill be conducted with the AAA pursuant to the AAA\'s Consumer\nArbitration Rules; provided, however, that if for any reason the AAA is\nunable or unwilling or ceases to serve as arbitration administrator, an\nequivalent national arbitration organization utilizing a similar code of\nprocedure will be substituted by us. There shall be no authority for any\nClaims to be arbitrated on a class action basis. Further, arbitration\ncan only decide our or your Claim and may not consolidate or join\nthe claims of other persons who may have similar claims. Any\nparticipatory hearing that you attend will take place in the federal judicial\ndistrict of your residence. We will pay the AAA\'s filing fee, other AAA fees,\nand the arbitrators\' compensation for any Claim which you may file against\nus. Unless inconsistent with applicable law, each party shall bear the\nexpense of their respective attorneys\', experts\', and witnesses\' fees,\nregardless of which party prevails in the arbitration. This arbitration\nagreement is made pursuant to a transaction involving interstate\ncommerce, and shall be governed by the Federal Arbitration Act ("FAA", 9\nU.S.C. Sections 1-16). The arbitrator shall apply applicable substantive law\nconsistent with the FAA and applicable statutes of limitations and shall\nhonor claims of privilege recognized by law. Judgment upon the award\nrendered by the arbitrator may be entered in any court having jurisdiction.\nThis Arbitration Provision shall survive satisfaction of your contractual\nobligations and termination of this Agreement or any past agreement you\nhave entered into with us. If this Agreement or any past agreement\nbetween you and us or any portion of such agreements is deemed invalid\nor unenforceable on the basis that such agreements violate applicable\nusury law or for any other reason, it shall not invalidate this Arbitration\nProvision; in such instance, the parties expressly acknowledge and agree\nthat this Arbitration Provision shall survive the deemed nullity of such\nagreements and shall be severed from such agreements (or the invalid or\nunenforceable portion of such agreements). Similarly, if any portion of this\nArbitration Provision is deemed invalid or unenforceable under the FAA, it\nshould not invalidate the remaining portions of this Arbitration Provision.\n\nP.O. Box 1260\nSaginaw, MI 48606\n888.288.3261\n\nRevision date: March 18, 2015\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.\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:\n\nTeam One Credit Union\nPO Box 1260\nSaginaw MI 48606\n\nIn 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 you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xef\x82\xb7\nWithin 60 days after the error appeared on your statement.\n\xef\x82\xb7\nAt l e a s t 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\n\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 corrected the\nerror.\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\xef\x82\xb7\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x82\xb7\nThe charge in question may remain on your statement, and we may continue to 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 the remainder of your balance.\n\xef\x82\xb7\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7\nIf 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\xef\x82\xb7\n\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We\nwill send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not\npay the amount we think you owe.\n\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 pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\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 credit card, and you have tried in good faith to correct the\nproblem 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 price must\nhave been more than $50 (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if\nwe own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash 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:\nTeam One Credit Union\nPO Box 1260\nSaginaw MI 48606\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nP.O. Box 1260\nSaginaw, MI 48606\n888.288.3261\n\nRevision date: March 18, 2015\n\n\x0c'


b'VISA SUMMARY OF TERMS\nInterest Rates & Interest Charges\n\nAnnual Percentage\nRates (APR)*\nfor PURCHASES\n\nAPR* for BALANCE\nTRANSFERS\nAPR* for CASH\nADVANCES\nPenalty APR and\nWhen it Applies\nHow to Avoid Paying\nInterest on Purchases\nMinimum Finance\nCharge\nFor Credit Card Tips\nfrom the Consumer\nFinancial Protection\nBureau\n\nPlatinum\n\nPlatinum with\nScoreCard**\n\nNew\nBeginnings\n\nNew\nBeginnings with\nScoreCard**\n17.9% to\n\n9.9% to\n19.9%,\n\n10.9% to\n19.9%,\n\n16.9% to\n19.9%\n\nWhen you open\nyour credit card,\nbased on your\ncreditworthiness.\n\nWhen you open\nyour credit card,\nbased on your\ncreditworthiness.\n\nWhen you open\nyour credit card,\nbased on your\ncreditworthiness.\n\nWhen you open\nyour credit card,\nbased on your\ncreditworthiness.\n\n9.9% to\n19.9%\n9.9% to\n19.9%\n\n10.9% to\n19.9%\n10.9% to\n19.9%\n\n16.9% to\n19.9%\n16.9% to\n19.9%\n\n17.9% to\n19.9%\n17.9% to\n19.9%\n\n19.9%\n\nNone\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you interest on purchases if you pay your entire balance by the due date\neach month. We will begin charging interest on cash advances and balance\ntransfers on the transaction date.\nNone\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the CFPB at http://www.consumerfinance.gov/learnmore/\n\nFees\nNew Beginnings\n\nPlatinum\nAnnual Fee\nTransaction Fees\nBalance Transfer\nCash Advance\nForeign Transaction\nPenalty Fees\nLate Payment\nOver-the-Credit Limit\nReturned Payment\n\nNone\n\n$25.00\n\nNone\nNone\n\nNone\nNone\n\nUp to 1% of each transaction in\nU.S. Dollars\n\nUp to 1% of each transaction in U.S. Dollars\n\nUp to $25.00\nNone\nUp to $25.00\n\nUp to $25.00\nNone\nUp to $25.00\n\nHow We Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance including New Purchases\xe2\x80\x9d\nOther Fees: Statement Copy = $2.00 per statement; Photocopy = $5.00; Card Replacement = $5.00\n*APR = Annual percentage rate. Rates quoted are based on credit history. To determine your rate, please contact Team One. Other rates and terms\nmay be available. Rates and terms are subject to change. See Team One For complete details. All rights reserved.\n**Scorecard Bonus Points are earned for every dollar spent when using your Team One Visa Card. These points can be accumulated and redeemed\nfor great gifts, travel rewards, hotel discounts and much more! For a free ScoreCard Rewards catalog, please visit scorecardrewards.com\n\n\x0c'


b'This Agreement and Disclosure supersedes any benefit and description\nyou may have received earlier. Please read and retain for your records.\n\nYour TruWest\xc2\xae Credit Union Visa\xc2\xae Card\nSupplemental Visa Agreement & Disclosure\nSignature Visa Cards - Effective 10/15/2018\nFor questions about your balance, call the customer\nservice number on your Visa statement.\n\n1. BALANCES ON WHICH FINANCE CHARGES\n(INTEREST) ARE COMPUTED:\nPrincipal balances of Purchases, Cash Advances and\nBalance Transfers are determined each day during the\nstatement period, beginning with the principal portion\nof your Previous Balances, reduced by payments you\nmake and credits we apply during the statement period,\nand increased by Purchases, Cash Advances and\nBalance Transfers you make, and debit adjustments we\nmake during the statement period. The Finance Charges\nfor a billing cycle are computed by applying the Periodic\nRate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of purchases (and\nif applicable, cash advances). To get the average daily\nbalance, we take the beginning balance of your account\neach day, add any new purchases, cash advances and\nbalance transfers, and subtract any payments, credits,\nnon-accruing fees, and unpaid finance charges. This\ngives us the daily balance. Then we add up all the daily\nbalances for the billing cycle and divide the total by\nthe number of days in the billing cycle. All Automated\nTeller Machine (ATM) transactions, Credit Card Checks,\nOverdraft Protection Advances and Cash Advances\nwith the Card(s) (however made, including online) are\nconsidered Cash Advances.\n2. CASH ADVANCES:\nCash Advances on the account that do not exceed\nthe account\xe2\x80\x99s Cash Limit may be obtained by the\nCardholder. We will advise you of your cash advance\nlimit in writing and it will become part of this agreement\nby reference. FINANCE CHARGES will accrue on all\nCash Advances from the date the advance is made on\nthe Cardholder\xe2\x80\x99s account until the Cash Advance is\npaid in full.\n3. BALANCE TRANSFERS:\nBalance Transfers on the account that do not exceed\nthe account\xe2\x80\x99s Credit Limit may be obtained by the\nCardholder. We will advise you of your credit limit in\nwriting and it will become part of this agreement by\nreference. FINANCE CHARGES will accrue on all\nBalance Transfers from the date the transfer is made on\nthe Cardholder\xe2\x80\x99s account until the Transfer is paid in full.\n\n4. VARIABLE RATE CALCULATION:\nPurchase Rate\nWe calculate your variable purchase rate by adding\nbetween 4.65% and 5.65% (\xe2\x80\x9cmargin\xe2\x80\x9d) to the Prime rate\npublished in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall\nStreet Journal (\xe2\x80\x9cIndex\xe2\x80\x9d) on the first day of January, April,\nJuly and October. If the Journal is not published on\nthat day, then see the immediately preceding edition. If\nPrime changes, your new rate will take effect on the first\nday of February, May, August and November.\nCash Advance Rate\nWe calculate your variable cash advance rate by adding\nbetween 12.65% and 13.65% (\xe2\x80\x9cmargin\xe2\x80\x9d) to the Prime\nrate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall\nStreet Journal (\xe2\x80\x9cIndex\xe2\x80\x9d) on the first day of January, April,\nJuly and October. If the Journal is not published on\nthat day, then see the immediately preceding edition. If\nPrime changes, your new rate will take effect on the first\nday of February, May, August and November.\nBalance Transfer Rate\nWe calculate your variable balance transfer rate by\nadding between 4.65% and 5.65% (\xe2\x80\x9cmargin\xe2\x80\x9d) to the\nPrime rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section\nof The Wall Street Journal (\xe2\x80\x9cIndex\xe2\x80\x99) on the first day\nof January, April, July and October. If the Journal is\nnot published on that day, then see the immediately\npreceding edition. If Prime changes, your new rate will\ntake effect on the first day of February, May, August\nand November.\n5. FINANCE CHARGES:\nThe FINANCE CHARGE is the amount of money that\nyou pay for the money you borrow. You can avoid\nFINANCE CHARGES (interest) on your New Purchases\nbalance by paying the entire account balance (shown\nas the Total New Balance) by the Account Statement\xe2\x80\x99s\n\xe2\x80\x9cPayment Due\xe2\x80\x9d date. FINANCE CHARGES on New\nPurchase and Balance Transfer balances are calculated\nat the periodic rate between 0.80417% and 0.88750%,\nwhich corresponds to an ANNUAL PERCENTAGE RATE\nbetween 9.90% and 10.90%. FINANCE CHARGES on the\naverage daily balances of Cash Advances are calculated\nat the periodic rate between 1.47083% and 1.55417% per\nmonth, which corresponds to an ANNUAL PERCENTAGE\nRATE between 17.90% and 18.90%.\n6. MONTHLY PAYMENT:\nWe will mail you a statement each month when\ntransactions or an owing balance appears on your\naccount. The statement will show your Previous Balances\nof Purchases, the current transactions on your account,\nthe remaining credit available under your Credit Line, the\n\nNew Balance of purchases, the Total New Balance, the\nFINANCE CHARGES due date, any other billed fees,\nand the Minimum Payment required. If you signed up\nto receive your statements electronically (e-statement),\nwe will send you an electronic notification when your\nstatement is ready for you to view. You must pay at least\nthe Minimum Payment required by the Payment Due\nDate noted on your statement. The Minimum Payment\nwill be either (a) 2.5% of your Total New Balance,\nor $25, whichever is greater, or (b) your Total New\nBalance, if it is less than $25 plus (c) any portion of the\nMinimum Payment(s) shown on prior statement(s) which\nremains unpaid. At any time your Total New Balance\nexceeds your Credit Limit, you must immediately pay\nthe excess upon our demand. You may pay more\nfrequently, pay more than the Minimum Payment or\npay the Total New Balance in full before the \xe2\x80\x9cPayment\nDue\xe2\x80\x9d date. You will avoid FINANCE CHARGES on\nNew Purchases if you pay the Total New Balance in full\nbefore the \xe2\x80\x9cPayment Due\xe2\x80\x9d date. All mailed payments\nmust be made by check or money order. You agree that\nany payment you make may be returned to you without\napplying it to your Account and without presentment\nor protest, for any reason, including if the check or\nmoney order is (1) not drawn on the U.S. Post Office or\na financial institution located in the United States; (2)\nmissing a signature; (3) restrictively endorsed; (4) post\ndated; (5) not payable to TruWest Credit Union; (6) not\ndrawn in U.S. dollars on funds on deposit in the U.S.;\nor (7) not paid upon presentment. You agree to pay any\nbank or financial institution collection fees we incur for\nany check payments made in U.S. Dollars drawn on a\nfinancial institution not located in the United States. All\npayments under this Agreement must be received at the\naddress specified on your billing statement. Disputed\npayments, including those marked \xe2\x80\x9cPayment in Full\xe2\x80\x9d\nor otherwise restrictively endorsed must be mailed to\nTruWest Credit Union, PO Box 78637, Phoenix, AZ\n85062-8637.\n7. HOW WE ALLOCATE YOUR PAYMENTS:\nFor minimum periodic payments, the payment will be\nallocated first to the balance with the lowest APR. For\npayments in excess of the required minimum periodic\npayment, the excess payment amount will be allocated\nfirst to the balance with the highest APR and any\nremaining portion to the other balances in descending\norder based on the applicable annual percentage rate.\nThis will result in balances with higher APRs (such as\ncash advances) being paid before any other existing\nbalances.\n8. FEES:\n\n\x0cANNUAL FEES: NONE\nCREDIT CARD CHECKS: NONE\nTRANSACTION FEE: NONE\nOVER LIMIT FEE: NONE\nBALANCE TRANSFER FEE:\n3% of each balance transfer\nCASH ADVANCE FEE:\n4% of the amount of each cash advance\nOVERDRAFT PROTECTION ADVANCE:\n$2.00 per advance\n9. OTHER CHARGES:\nLate Payment charge:\nA late payment fee equal to your minimum payment\ndue, but no more than $25.00, will be charged to\nyour Visa account for each billing cycle that the\nminimum payment due is received after the\n\xe2\x80\x9cPayment Due Date\xe2\x80\x9d.\nStatement copy charge:\nThe Credit Union will charge your Visa account $1.00\nper page for each Visa statement copy you request.\nTransaction Draft copy charge:\nThe Credit Union will charge your Visa account $0.50\nfor each original transaction draft you request.\nReturned Item charge:\nA returned item fee equal to your minimum payment\ndue, but no more than $25.00, will be charged to\nyour Visa account for each dishonored check or other\ntransfer processed by the Credit Union as payment on\nyour Visa account.\nReplacement card(s) charge:\nYou will receive the first replacement card at no\ncharge. The Credit Union will charge your Visa\naccount $5.00 for each additional card requested.\nOvernight mail charge:\nIf you request your replacement card be delivered by\novernight mail, the Credit Union will charge your Visa\naccount $25.00.\nPriority mail charge:\nIf you request your replacement card be delivered by\npriority mail, the Credit Union will charge your Visa\naccount $15.00.\n10. TRUREWARDS POINT PROGRAM:\nEvery dollar of your net purchases on your account\nwill earn one reward point. Points begin to accumulate\nwith purchases made on the first day of use. Credit\ncard checks, balance transfers, and cash advances\n\nare not part of the TruRewards program. Points can be\nredeemed for gift cards, travel discounts, cash back, and\nmerchandise. For more information please call 888-9951271. Point requirements are subject to change from time\nto time and gift cards, travel discounts, cash back, and\nmerchandise may be substituted at any time. Unused\npoints, older than 48 months from the date they were\nissued, will expire annually on December 31. Accounts\nmust be open and current at the time of any reward\nredemption. Contact\n888-995-1271 or visit the TruRewards web site for a full\nlisting of program rules.\n11. OVERDRAFT PROTECTION USING YOUR\nTRUWEST CREDIT CARD:\nCardholders can select their TruWest credit card as an\noption for Overdraft Protection. By selecting your credit\ncard as an Overdraft Protection option, the Credit Union\nwill automatically transfer from your TruWest credit card\naccount the exact amount needed, plus a $2 service\ncharge. Transfers will not be made if your credit card\naccount is over limit or contractually past due. A finance\ncharge will be assessed on the same basis as any other\ncredit card Cash Advance in accordance with the credit\ncard agreement. You authorize us to make an Overdraft\nProtection advance from your card as provided in this\nagreement. We may cancel Overdraft Protection in\nour discretion, even if the card remains open for other\npurposes. We may also change the terms and\nconditions or eligibility of participating at any time.\n12. SKIP PAY OPTION:\nEligible cardholders may have the ability to skip a credit\ncard payment. To qualify for a skip payment:\n\xe2\x80\xa2 the Credit Card account must be opened for at least six\nmonths with a payment made each month;\n\xe2\x80\xa2 Savings or spending account must have enough funds\nto cover any applicable fees;\n\xe2\x80\xa2 Your Credit Card may not be past due, have any \t\t\nunpaid fees, or in default; and\n\xe2\x80\xa2 One Skip Payment is allowed per credit card per rolling\ncalendar year (12 months).\nWhen you take advantage of the Skip Pay Option, the\ninterest will continue to accrue on the entire unpaid\nbalance of your Card.\nThe Skip Pay option is further subject to the Skip Pay\nProgram terms and conditions, which are incorporated\nherein and as amended from time to time. We may\ncancel, restrict, amend, or modify the skip pay option\nor program at any time.\n\n13. MILITARY LENDING ACT NOTICE:\nFederal law provides important protections to members\nof the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and\nhis or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The\ncosts associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than\ncertain application fees for specified credit transactions or\naccounts); and any participation fee charged (other\nthan certain participation fees for a credit card account).\n\nTruWest\xc2\xae Credit Union\n\nFederally Insured by NCUA\n1667 N Priest Dr, Tempe, AZ 85281\n1 (855) 878-9378\n\n\x0c'


b'This Agreement and Disclosure supersedes any benefit and description\nyou may have received earlier. Please read and retain for your records.\n\nYour TruWest\xc2\xae Credit Union Visa\xc2\xae Card\nSupplemental Visa Agreement & Disclosure\nPlatinum Visa Cards - Effective 10/15/2018\nFor questions about your balance, call the customer\nservice number on your Visa statement.\n\n1. BALANCES ON WHICH FINANCE CHARGES\n(INTEREST) ARE COMPUTED:\nPrincipal balances of Purchases, Cash Advances and\nBalance Transfers are determined each day during the\nstatement period, beginning with the principal portion\nof your Previous Balances, reduced by payments you\nmake and credits we apply during the statement period,\nand increased by Purchases, Cash Advances and\nBalance Transfers you make, and debit adjustments we\nmake during the statement period. The Finance Charges\nfor a billing cycle are computed by applying the Periodic\nRate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of purchases (and\nif applicable, cash advances). To get the average daily\nbalance, we take the beginning balance of your account\neach day, add any new purchases, cash advances and\nbalance transfers, and subtract any payments, credits,\nnon-accruing fees, and unpaid finance charges. This\ngives us the daily balance. Then we add up all the daily\nbalances for the billing cycle and divide the total by\nthe number of days in the billing cycle. All Automated\nTeller Machine (ATM) transactions, Credit Card Checks,\nOverdraft Protection Advances and Cash Advances\nwith the Card(s) (however made, including online) are\nconsidered Cash Advances.\n2. CASH ADVANCES:\nCash Advances on the account that do not exceed\nthe account\xe2\x80\x99s Cash Limit may be obtained by the\nCardholder. We will advise you of your cash advance\nlimit in writing and it will become part of this agreement\nby reference. FINANCE CHARGES will accrue on all\nCash Advances from the date the advance is made on\nthe Cardholder\xe2\x80\x99s account until the Cash Advance is\npaid in full.\n3. BALANCE TRANSFERS:\nBalance Transfers on the account that do not exceed\nthe account\xe2\x80\x99s Credit Limit may be obtained by the\nCardholder. We will advise you of your credit limit in\nwriting and it will become part of this agreement by\nreference. FINANCE CHARGES will accrue on all\nBalance Transfers from the date the transfer is made on\nthe Cardholder\xe2\x80\x99s account until the Transfer is paid in full.\n\n4. VARIABLE RATE CALCULATION:\nPurchase Rate\nWe calculate your variable purchase rate by adding\nbetween 4.65% and 5.65% (\xe2\x80\x9cmargin\xe2\x80\x9d) to the Prime rate\npublished in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall\nStreet Journal (\xe2\x80\x9cIndex\xe2\x80\x9d) on the first day of January, April,\nJuly and October. If the Journal is not published on\nthat day, then see the immediately preceding edition. If\nPrime changes, your new rate will take effect on the first\nday of February, May, August and November.\nCash Advance Rate\nWe calculate your variable cash advance rate by adding\nbetween 12.65% and 13.65% (\xe2\x80\x9cmargin\xe2\x80\x9d) to the Prime\nrate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall\nStreet Journal (\xe2\x80\x9cIndex\xe2\x80\x9d) on the first day of January, April,\nJuly and October. If the Journal is not published on\nthat day, then see the immediately preceding edition. If\nPrime changes, your new rate will take effect on the first\nday of February, May, August and November.\nBalance Transfer Rate\nWe calculate your variable balance transfer rate by\nadding between 4.65% and 5.65% (\xe2\x80\x9cmargin\xe2\x80\x9d) to the\nPrime rate published in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section\nof The Wall Street Journal (\xe2\x80\x9cIndex\xe2\x80\x99) on the first day\nof January, April, July and October. If the Journal is\nnot published on that day, then see the immediately\npreceding edition. If Prime changes, your new rate will\ntake effect on the first day of February, May, August\nand November.\n5. FINANCE CHARGES:\nThe FINANCE CHARGE is the amount of money that\nyou pay for the money you borrow. You can avoid\nFINANCE CHARGES (interest) on your New Purchases\nbalance by paying the entire account balance (shown\nas the Total New Balance) by the Account Statement\xe2\x80\x99s\n\xe2\x80\x9cPayment Due\xe2\x80\x9d date. FINANCE CHARGES on New\nPurchase and Balance Transfer balances are calculated\nat the periodic rate between 0.64167% and 1.80833%,\nwhich corresponds to an ANNUAL PERCENTAGE RATE\nbetween 7.95% and 21.95%. FINANCE CHARGES on the\naverage daily balances of Cash Advances are calculated\nat the periodic rate between 1.30833% and 1.97500% per\nmonth, which corresponds to an ANNUAL PERCENTAGE\nRATE between 15.95% and 23.95%.\n6. MONTHLY PAYMENT:\nWe will mail you a statement each month when\ntransactions or an owing balance appears on your\naccount. The statement will show your Previous Balances\nof Purchases, the current transactions on your account,\nthe remaining credit available under your Credit Line, the\n\nNew Balance of purchases, the Total New Balance, the\nFINANCE CHARGES due date, any other billed fees,\nand the Minimum Payment required. If you signed up\nto receive your statements electronically (e-statement),\nwe will send you an electronic notification when your\nstatement is ready for you to view. You must pay at least\nthe Minimum Payment required by the Payment Due\nDate noted on your statement. The Minimum Payment\nwill be either (a) 2.5% of your Total New Balance,\nor $25, whichever is greater, or (b) your Total New\nBalance, if it is less than $25 plus (c) any portion of the\nMinimum Payment(s) shown on prior statement(s) which\nremains unpaid. At any time your Total New Balance\nexceeds your Credit Limit, you must immediately pay\nthe excess upon our demand. You may pay more\nfrequently, pay more than the Minimum Payment or\npay the Total New Balance in full before the \xe2\x80\x9cPayment\nDue\xe2\x80\x9d date. You will avoid FINANCE CHARGES on\nNew Purchases if you pay the Total New Balance in full\nbefore the \xe2\x80\x9cPayment Due\xe2\x80\x9d date. All mailed payments\nmust be made by check or money order. You agree that\nany payment you make may be returned to you without\napplying it to your Account and without presentment\nor protest, for any reason, including if the check or\nmoney order is (1) not drawn on the U.S. Post Office or\na financial institution located in the United States; (2)\nmissing a signature; (3) restrictively endorsed; (4) post\ndated; (5) not payable to TruWest Credit Union; (6) not\ndrawn in U.S. dollars on funds on deposit in the U.S.;\nor (7) not paid upon presentment. You agree to pay any\nbank or financial institution collection fees we incur for\nany check payments made in U.S. Dollars drawn on a\nfinancial institution not located in the United States.\nAll payments under this Agreement must be received\nat the address specified on your billing statement.\nDisputed payments, including those marked \xe2\x80\x9cPayment\nin Full\xe2\x80\x9d or otherwise restrictively endorsed must be\nmailed to TruWest Credit Union, PO Box 78637,\nPhoenix, AZ 85062-8637.\n7. HOW WE ALLOCATE YOUR PAYMENTS:\nFor minimum periodic payments, the payment will be\nallocated first to the balance with the lowest APR. For\npayments in excess of the required minimum periodic\npayment, the excess payment amount will be allocated\nfirst to the balance with the highest APR and any\nremaining portion to the other balances in descending\norder based on the applicable annual percentage\nrate. This will result in balances with higher APRs\n(such as cash advances) being paid before any\nother existing balances.\n\n\x0c8. FEES:\nANNUAL FEES: NONE\nCREDIT CARD CHECKS: NONE\nTRANSACTION FEE: NONE\nOVER LIMIT FEE: NONE\nBALANCE TRANSFER FEE:\n3% of each balance transfer\nCASH ADVANCE FEE:\n4% of the amount of each cash advance\nOVERDRAFT PROTECTION ADVANCE:\n$2.00 per advance\n9. OTHER CHARGES:\nLate Payment charge:\nA late payment fee equal to your minimum payment\ndue, but no more than $25.00, will be charged to\nyour Visa account for each billing cycle that the\nminimum payment due is received after the\n\xe2\x80\x9cPayment Due Date\xe2\x80\x9d.\nStatement copy charge:\nThe Credit Union will charge your Visa account $1.00\nper page for each Visa statement copy you request.\nTransaction Draft copy charge:\nThe Credit Union will charge your Visa account $0.50\nfor each original transaction draft you request.\nReturned Item charge:\nA returned item fee equal to your minimum payment\ndue, but no more than $25.00, will be charged to\nyour Visa account for each dishonored check or other\ntransfer processed by the Credit Union as payment on\nyour Visa account.\nReplacement card(s) charge:\nYou will receive the first replacement card at no\ncharge. The Credit Union will charge your Visa\naccount $5.00 for each additional card requested.\nOvernight mail charge:\nIf you request your replacement card be delivered by\novernight mail, the Credit Union will charge your Visa\naccount $25.00.\nPriority mail charge:\nIf you request your replacement card be delivered by\npriority mail, the Credit Union will charge your Visa\naccount $15.00.\n10. TRUREWARDS POINT PROGRAM:\nEvery dollar of your net purchases on your account will\nearn one reward point. Points begin to accumulate with\npurchases made on the first day of use. Credit card\n\nchecks, balance transfers, and cash advances are not part\nof the TruRewards program. Points can be redeemed for\ngift cards, travel discounts, cash back, and merchandise.\nFor more information please call 888-995-1271. Point\nrequirements are subject to change from time to time and\ngift cards, travel discounts, cash back, and merchandise\nmay be substituted at any time. Unused points, older than\n48 months from the date they were issued, will expire\nannually on December 31. Accounts must be open and\ncurrent at the time of any reward redemption. Contact\n888-995-1271 or visit the TruRewards web site for a full\nlisting of program rules.\n11. OVERDRAFT PROTECTION USING YOUR\nTRUWEST CREDIT CARD:\nCardholders can select their TruWest credit card as an\noption for Overdraft Protection. By selecting your credit\ncard as an Overdraft Protection option, the Credit Union\nwill automatically transfer from your TruWest credit card\naccount the exact amount needed, plus a $2 service\ncharge. Transfers will not be made if your credit card\naccount is over limit or contractually past due. A finance\ncharge will be assessed on the same basis as any other\ncredit card Cash Advance in accordance with the credit\ncard agreement. You authorize us to make an Overdraft\nProtection advance from your card as provided in this\nagreement. We may cancel Overdraft Protection in\nour discretion, even if the card remains open for other\npurposes. We may also change the terms and\nconditions or eligibility of participating at any time.\n12. SKIP PAY OPTION:\nEligible cardholders may have the ability to skip a credit\ncard payment. To qualify for a skip payment:\n\xe2\x80\xa2 the Credit Card account must be opened for at least six\nmonths with a payment made each month;\n\xe2\x80\xa2 Savings or spending account must have enough funds\nto cover any applicable fees;\n\xe2\x80\xa2 Your Credit Card may not be past due, have any \t\t\nunpaid fees, or in default; and\n\xe2\x80\xa2 One Skip Payment is allowed per credit card per rolling\ncalendar year (12 months).\nWhen you take advantage of the Skip Pay Option, the\ninterest will continue to accrue on the entire unpaid\nbalance of your Card.\nThe Skip Pay option is further subject to the Skip Pay\nProgram terms and conditions, which are incorporated\nherein and as amended from time to time. We may\ncancel, restrict, amend, or modify the skip pay option\nor program at any time.\n\n13. MILITARY LENDING ACT NOTICE:\nFederal law provides important protections to members\nof the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and\nhis or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The\ncosts associated with credit insurance premiums; fees\nfor ancillary products sold in connection with the credit\ntransaction; any application fee charged (other than\ncertain application fees for specified credit transactions or\naccounts); and any participation fee charged (other\nthan certain participation fees for a credit card account).\n\nTruWest\xc2\xae Credit Union\n\nFederally Insured by NCUA\n1667 N Priest Dr, Tempe, AZ 85281\n1 (855) 878-9378\n\n\x0c'