b'\x0cCardholder Agreement\nEffective 4/1/2018 NY RESIDENTS: RETAIL INSTALMENT\nCREDIT AGREEMENT\n\nTABLE OF CONTENTS:\n1. Summary of Credit Terms ............................................... see separate insert\n\xe2\x80\x9cCredit Terms and Fees\xe2\x80\x9d\n2. Your Account and Agreement ..................................................................... 2\n3. Addresses ................................................................................................. 2\n4. Using Your Account ................................................................................... 2\n5. Your Obligation to Pay ............................................................................... 2\n6. Your Credit Limit ....................................................................................... 2\n7. Your Account Statement ............................................................................ 3\n8. Interest .................................................................................................... 3\n9. Periodic Rate of Interest ........................................................................... 3\n10. Balance Subject to Interest Rate ............................................................... 4\n11. Fees ......................................................................................................... 5\n12. Waiver of Security Interest ....................................................................... 6\n13. Collection Costs ....................................................................................... 6\n14. Your Payments .......................................................................................... 6\n15. Cash Advance ........................................................................................... 7\n16. Foreign Currency Transactions .................................................................. 7\n17. Authorization of Transactions .................................................................... 7\n18. Liability for Unauthorized Use ................................................................... 8\n19. Assignment .............................................................................................. 8\n20. Closing Your Account ................................................................................ 8\n21. Other Services........................................................................................... 8\n22. Special Programs ...................................................................................... 9\n23. Credit Reports and Account Information ..................................................... 9\n24. Notice of Inaccurate Information ................................................................ 9\n25. Sharing Information .................................................................................. 9\n26. Telephone Monitoring and Recording ......................................................... 9\n27. Communicating with You ........................................................................... 9\n28. Governing Law ........................................................................................ 10\n29. Changing Terms ...................................................................................... 10\n30. Your Billing Rights .................................................................................. 10\n31. No Waiver by Us ...................................................................................... 11\n32. Severability ............................................................................................. 11\n33. Entire Agreement .................................................................................... 11\n34. Arbitration Agreement ............................................................................. 11\n35. State Law Notices ................................................................................... 14\n36. Privacy Policy .......................................................................................... 15\n\n[1]\n\nV2-04.18\n\nCARDHOLDER AGREEMENT\n\n721-101 43896\n\n[18]\n\n\x0cTo limit our sharing:\nCall us at 800.982.4511 \xe2\x80\x93 our menu will prompt you through your options.\nPlease note: If you are a new customer, we can begin sharing your information 30 days\nfrom the date we sent this notice. When you are no longer our customer, we can continue\nto share your information as described in this notice. However, you can contact us at any\ntime to limit our sharing.\n\nQuestions? Call us at 800.982.4511\nor go to www.fabandt.com\n\n2. YOUR ACCOUNT AND AGREEMENT. This Cardholder Agreement\n(\xe2\x80\x9cAgreement\xe2\x80\x9d), the \xe2\x80\x9cSummary of Credit Terms\xe2\x80\x9d provided (\xe2\x80\x9cCredit Terms\xe2\x80\x9d), and the application you signed or otherwise submitted (collectively, the \xe2\x80\x9cCardholder Documents\xe2\x80\x9d)\ngovern the use of your credit card (\xe2\x80\x9cCard\xe2\x80\x9d) account (your \xe2\x80\x9cAccount\xe2\x80\x9d). In this Agreement\nand in your monthly Periodic Statement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d refer to all persons\nwho applied and were approved for the Account. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer to\nFirst Arkansas Bank & Trust or its assigns. Your Credit Terms and application are part of\nand incorporated into this Agreement. Your signature (including any electronic or digital\nsignature) on your Card, on any application, on any accepted sales slip, or on any other\ndocument you sign in connection with the use of your Card or your Account is part of\nand incorporated into this Agreement. Please read and keep the Cardholder Documents\nfor your records. Subject to applicable law, this Agreement may be changed at any time\nbeginning twelve (12) months after Account opening in accordance with the \xe2\x80\x9cCHANGING\nTERMS\xe2\x80\x9d Section of this Agreement. This Agreement also includes an Agreement to\nArbitrate with a right to reject arbitration. See \xe2\x80\x9cARBITRATION AGREEMENT\xe2\x80\x9d below. The\neffective date of this Agreement (\xe2\x80\x9cEffective Date\xe2\x80\x9d) will be the earlier of (i) the date that\nwe approve your application or (ii) the first date that we extend credit for a transaction by\nwhich you or someone authorized by you uses the account (in NY, the first date that we\nextend credit for a transaction by which you or someone authorized by you signs a sales\nslip or memorandum).\n3. ADDRESSES. Your full name, address, and signature are considered part of\nthis Agreement. For purposes of this Agreement, you agree and represent that you live\nat the address shown on your application or from time to time designated by you for the\nreceipt of billing statements. You agree promptly to notify us of any change in your address or any other contact information you provided us on your application or otherwise.\n4. USING YOUR ACCOUNT. When we approve your application and accept\nyour request to open an Account, we will send you one or more Cards which you can use\nto access your Account. You can also access your Account by using checks (\xe2\x80\x9cConvenience\nChecks\xe2\x80\x9d) that we may send you in response to your request. If your Account is a joint\nAccount, each of you may use the credit we provide to you under your Account. Please\nsign the back of the Card immediately upon receipt. You may not use your Card for any\ntransaction considered illegal under applicable law.\n5. YOUR OBLIGATION TO PAY. You agree to be bound by this Agreement.\nYou promise to pay all amounts owed to us under the terms of this Agreement as\namended from time to time. If your Account is a joint Account, all of you are bound by\nthis Agreement and each of you jointly and individually promises to pay all amounts owed\nto us because of Balance Transfers, Purchases or Cash Advances made by a joint Account\nholder. If you or your joint Account holder permits another person to use your Account,\nyou promise to pay amounts owed to us because of Balance Transfers, Purchases or Cash\nAdvances made by that person. You must pay for Balance Transfers, Purchases or Cash\nAdvances made by that person whether or not that person exceeded your permission and\nwhether or not you told us that the person was using your Account. If you request that a\nsecond card be issued to an authorized user, the authorized user will not be considered\na joint obligor and your Account will not be considered a joint Account. If you allow such\na second (authorized user) cardholder to use your Account, you will be liable for all their\ntransactions on the Account.\n6. YOUR CREDIT LIMIT. We will grant you credit, up to a maximum amount\n(your \xe2\x80\x9cCredit Limit\xe2\x80\x9d), for Balance Transfer, Purchases or Cash Advances obtained by using\nyour Card. We will charge the Balance Transfer, Purchase or Cash Advances to your Account. You may not use your Account for a Balance Transfer, Purchase or Cash Advance if\nyour total unpaid balance of Balance Transfers, Purchases, Cash Advances, Interest, and\nFees (listed herein) will exceed your Credit Limit. We may demand immediate payment of\nany amount in excess of your Credit Limit. We print your Credit Limit on the card carrier\n\n[17]\n\nCARDHOLDER AGREEMENT\n\n721-101 43896\n\n[2]\n\n\x0cwe send with your card and on your Periodic Statement. Unless we inform you otherwise,\nyour Cash Advance credit limit will be up to 25% of your total Credit Limit.\n7. YOUR ACCOUNT STATEMENT. We will send you a Periodic Statement\nfor each monthly billing cycle (i) in which the balance of your Account (including unpaid\nBalance Transfers, Purchases, Cash Advances, Interest, and Fees) on the last day of that\ncycle (the \xe2\x80\x9cNew Balance\xe2\x80\x9d) is more than $1 (debit or credit), (ii) in which we impose Interest, (iii) in which we impose a Fee, (iv) in which there is any other activity on your Account,\nor (v) as otherwise required by applicable law. The Periodic Statement shows: (i) the unpaid\nbalance of your Account at the beginning of the cycle; (ii) your payments or other credits\nto your Account during the cycle; (iii) your Balance Transfers, Purchases, Cash Advances,\nInterest, Fees, and all other debits to your Account during the cycle; (iv) the New Balance;\n(v) the minimum payment you must make (the \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d) and the date that\nit is due (the \xe2\x80\x9cPayment Due Date\xe2\x80\x9d); and (vi) your Credit Limit. We will send the Periodic\nStatement to the address specified on the application or designated from time to time by\nany one of you. Each of you appoints the other as his or her agent to designate the address\nto which the Periodic Statements and any other notices may be sent by us.\n8. INTEREST. Interest will be assessed on your Account for each type of balance\non your Account. The types of balances you may have include Balance Transfers, Purchases\nand Cash Advances. We may from time to time offer special terms which may result in\nadditional types of balances. Finance Charges for each type of balance will be calculated\nby multiplying the appropriate Daily Periodic Rate of Interest for the type of balance (see\nparagraphs 9.B and 9.C herein) by the appropriate Average Daily Balance for the type of\nbalance (see paragraph 10 herein) and adding any appropriate Cash Advance fee or Balance\nTransfer fee (see paragraphs 10.A and 10.C herein).\n9. PERIODIC RATE OF INTEREST. We calculate a Daily Balance for your\nAccount. We may maintain separate balances for your Purchases and special promotional\nPurchase balances (each, a \xe2\x80\x9cBalance Type\xe2\x80\x9d) and calculate a Daily Balance for each. To\ndetermine the Daily Balance for a Balance type, each day we take the beginning balance\nfor the Balance Type, add any new charges included in that Balance Type, and subtract any\npayments and credits applied to that Balance Type. We then multiply the resulting balance\nby the applicable Daily Periodic Rate. The resulting daily Interest Charge is included in the\nbeginning balance of that Balance Type for the next day. Purchases are included in the\nDaily Balance as of the later of the transaction date or the first day of the billing period in\nwhich the Purchase is posted to the Account. We figure the Interest Charge on your account\nfor each Balance Type by multiplying your Daily Balance of each Balance Type by the applicable Daily Periodic rate for each day in the billing cycle. At the end of the billing period,\nwe will add up the daily Interest Charges on all Balance Types for each day in the billing\nperiod to get the total Interest charge for the billing period. Introductory rates, if any and\ntheir duration are also set forth in the provided Credit Terms. Penalty rates, if any, are also\nset forth on the Credit Terms\nA. INTRODUCTORY RATE. If there is an introductory rate set forth on the\nCredit Terms provided, then for the number of billing cycles set forth in the Credit Terms\nfrom the date your Account is opened (\xe2\x80\x9cIntroductory Period\xe2\x80\x9d), the APR for Balance Transfers\n(\xe2\x80\x9cBalance Transfer Rate\xe2\x80\x9d), the APR for Purchases (\xe2\x80\x9cPurchase Rate\xe2\x80\x9d) and the APR for Cash\nAdvances (\xe2\x80\x9cCash Advance Rate\xe2\x80\x9d) will be fixed at the rate set forth in the Credit Terms\n(\xe2\x80\x9cIntroductory Rate\xe2\x80\x9d). Upon expiration of any Introductory Period, your rate will increase to\nthe Balance Transfer Rate, Purchase Rate Cash Advance Rate, or, if triggered, the Penalty\nRate as set forth in the Credit Terms provided and described herein.\n\nDefinitions\nAffiliates Companies related by common ownership or control. They can be financial and\nnon-financial companies. First Arkansas Bank & Trust (FAB&T) does not have any\naffiliates.\nNon-affiliates Companies not related by common ownership or control. They can be\nfinancial and non-financial companies: FAB&T does not share information with nonaffiliates.\nJoint marketing A formal agreement between non-affiliated financial companies that\ntogether market financial products or services to you. Our joint marketing partners\ninclude financial institutions with which you may have an existing relationship.\nOther important information\nOur Online Banking service utilizes a comprehensive security strategy to protect your\naccounts and transactions conducted. Your use of the service requires acceptance of an\nencrypted cookie, which is removed when the browser is closed.\nReasons we can share your\npersonal information\n\nDoes FAB&T\nshare?\n\nCan you limit\nthis sharing?\n\nFor our everyday business purposes \xe2\x80\x94\nSuch as to process your transactions, maintain\nyour account(s), respond to court orders and\nlegal investigations, or report to credit bureaus\n\nYes\n\nNo\n\nFor our marketing purposes \xe2\x80\x94\nTo offer our products and services to you\n\nYes\n\nNo\n\nFor joint marketing with other financial\ncompanies\n\nYes\n\nNo\n\nFor our affiliates\xe2\x80\x99 everyday business purposes \xe2\x80\x94 Information about your transactions\nand experiences\n\nNo\n\nWe do not\nshare\n\nFor our affiliates\xe2\x80\x99 everyday business\npurposes \xe2\x80\x94 Information about your creditworthiness\n\nNo\n\nWe do not\nshare\n\nFor non-affiliates to market to you\n\nNo\n\nWe do not\nshare\n\nB. VARIABLE RATE. If your Account is a variable rate account as indicated on\nthe Credit Terms provided, then the Balance Transfer Rate, Purchase Rate, Cash Advance\nRate and Penalty Rate on your Account may vary from month to month. The Balance\nTransfer Rate, Purchase Rate, Cash Advance Rate and Penalty Rate will vary based on the\nPrime Rate (as defined herein) plus a stated percentage rate (\xe2\x80\x9cMargin\xe2\x80\x9d). The \xe2\x80\x9cPrime Rate\xe2\x80\x9d\nis the highest U.S. rate listed in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d section of The Wall Street Journal on\n\n[3]\n\nCARDHOLDER AGREEMENT\n\n721-101 43896\n\n[16]\n\n\x0cPrivacy Policy\nFACTS: WHAT DOES FAB&T DO WITH YOUR FINANCIAL\nINFORMATION?\nWhy? Financial companies choose how they share your personal information.\nFederal law gives consumers the right to limit some but not all sharing. Federal law also\nrequires us to tell you how we collect, share, and protect your personal information.\nPlease read this notice carefully to understand what we do.\nWhat? The types of personal information we collect and share depend on the product\nor service you have with us. The information can include:\n\xe2\x80\xa2 Social Security number and income\n\xe2\x80\xa2 Account balances and payment history\n\xe2\x80\xa2 Credit history and credit scores\nHow? All financial companies need to share customer\xe2\x80\x99s personal information to run\ntheir everyday business. In the section below, we list the reasons financial companies can\nshare their customer\xe2\x80\x99s personal information; the reasons FAB&T chooses to share; and\nwhether you can limit this sharing.\nWho We Are\nWho is providing this notice? First Arkansas Bank & Trust (FAB&T)\nWhat We Do\nHow does FAB&T protect my personal information?\nTo protect your personal information from unauthorized access and use, we use security\nmeasures that comply with federal law. These measures include computer safeguards and\nsecured files and buildings.\nHow does FAB&T collect my personal information?\nWe collect your personal information, for example, when you:\n\xe2\x80\xa2 Open an account or deposit money\n\xe2\x80\xa2 Pay your bills or apply for a loan\n\xe2\x80\xa2 Use your debit card\nWe also collect your personal information from others, such as credit bureaus,\nor other companies.\nWhy can\xe2\x80\x99t I limit all sharing? Federal law gives you the right to limit only:\n\xe2\x80\xa2 Sharing for affiliates\xe2\x80\x99 everyday business purposes \xe2\x80\x93 information about\nyour creditworthiness\n\xe2\x80\xa2 Affiliates from using your information to market to you\n\xe2\x80\xa2 Sharing for non-affiliates to market to you\nState laws and individual companies may give you additional rights to limit sharing.\nWhat happens when I limit sharing for an account I hold jointly with someone\nelse? Your choices will apply to everyone on your account.\n\nthe on the 14th day (or the next business day if the 14th is not a business day) of the\ncalendar month preceding the first day of the billing period. If the Prime Rate is no longer\npublished, the Bank may choose a similar, alternative published rate. The Bank will\nnotify you of such a choice. Different Margins may apply to Balance Transfers, Purchases,\nCash Advances and to the Penalty Rate. As a result, the Balance Transfer Rate, Purchase\nRate, Cash Advance Rate and Penalty Rate may differ. The Credit Terms also sets forth\nthe initial Balance Transfer Rate, the initial Purchase Rate and the initial Cash Advance\nRate that would apply in the absence of an Introductory Rate. The Margin for Balance\nTransfers, the Margin for Purchases, the Margin for Cash Advances and the Margin for the\nPenalty Rate are shown on a separate table accompanying the Credit Terms provided. You\nagree that, upon notice to you in accordance with paragraph 29 herein, we may increase\nthe Margin for Balance Transfers, Margin for Purchases, Margin for Cash Advances and\nthe Margin for the Penalty Rate. An increase in the Balance Transfer Rate, Purchase Rate,\nCash Advance Rate and Penalty Rate may occur if (i) the Prime Rate increases or (ii) if\nwe increase the applicable Margin, but no APR will exceed the maximum rate permitted\nby applicable law. If the Prime Rate changes during a calendar month, the Balance\nTransfer Rate, the Purchase Rate, the Cash Advance Rate and the Penalty Rate will\nchange on the first day of the billing cycle beginning in the next calendar month. The new\nBalance Transfer Rate (and corresponding APR) will apply to new Balance Transfers and\nto the existing Balance Transfer balance on your Account. The new Purchase Rate (and\ncorresponding APR) will apply to new Purchases and to the existing Purchase balance\non your Account. The new Cash Advance Rate (and corresponding APR) will apply to new\nCash Advances and to the existing Cash Advance balance on your Account. If your rates\nincrease, the amount of Interest and the Minimum Payment Due may increase.\nC. PENALTY RATE. Your account meets the Penalty APR criteria as specified\nin the Credit Terms provided at the end of a billing cycle, the Penalty Rate may apply to\nthe existing balance on your Account and to all new Balance Transfers, Purchases and\nCash Advances, as permitted by law. Any Penalty Rate will apply in lieu of the Purchase\nRate, Balance Transfer Rate or the Cash Advance Rate described in paragraphs 10.A and\n10.C herein. The Penalty Rate as set forth on the accompanying Credit Terms may vary\nbased on the Index Rate plus a stated percentage rate (\xe2\x80\x9cPenalty Margin\xe2\x80\x9d). If your Account\nincludes a Penalty Rate, the Penalty Rate is shown on the Credit Terms provided or other\ncommunication we send to you.\nD. MINIMUM INTEREST CHARGE. A minimum Interest charge as\nset forth in the Credit Terms will be assessed in any billing cycle in which the \xe2\x80\x9cBalance\nSubject to Interest Rate\xe2\x80\x9d is greater than zero unless your Account is also subject to a\nLate Payment Fee, as described in paragraph 10.B herein, in the same period.\n10. BALANCE SUBJECT TO INTEREST RATE. We will compute\nInterest on your Account by (i) multiplying each of the Average Daily Balances for Balance\nTransfers, Purchases and Cash Advances (as defined herein) (including current transactions) by the appropriate Monthly Periodic Rate and (ii) adding the products together.\nA. BALANCE TRANSFERS. We will figure the Interest charge on Balance\nTransfers by applying the Balance Transfer Rate to the \xe2\x80\x9cAverage Daily Balance for Balance\nTransfers\xe2\x80\x9d of your Account. To get the Average Daily Balance for Balance Transfers, we\ntake the beginning balance of your Account for Balance Transfers each day, add any new\nBalance Transfers, and subtract any payments or credits, unpaid Finance Changes on\nBalance Transfers or Other Charges. This gives us the daily balance for Balance Transfers.\nThen we add up all the daily balances for Balance Transfers for the billing period and\ndivide the total by the number of days in the billing cycle. This gives us the Average Daily\nBalance for Balance Transfers. Interest may begin to accrue on the date the Balance\nTransfer is obtained.\nB. PURCHASES. We will figure the Interest charge on Purchases by applying\nthe Purchase Rate to the \xe2\x80\x9cAverage Daily Balance for Purchases\xe2\x80\x9d of your Account. To get\nthe Average Daily Balance for Purchases, we take the beginning balance of your Account\nfor Purchases each day, add any new Purchases, and subtract any payments or credits,\n\n[15]\n\nCARDHOLDER AGREEMENT\n\n721-101 43896\n\n[4]\n\n\x0cunpaid Interest on Purchases or Other Charges. This gives us the daily balance for Purchases. Then we add up all the daily balances for Purchases for the billing cycle and divide\nthe total by the number of days in the billing cycle. This gives us the Average Daily Balance\nfor Purchases. You may have a grace period to repay your balance for Purchases before\nInterest will be imposed (see \xe2\x80\x9cPaying Interest\xe2\x80\x9d section of your Credit Terms). However,\nyou will only be entitled to the Grace Period if your previous balance is (i) zero, (ii) a credit\nbalance, or (iii) paid in full by the payment due date shown on your Periodic Statement for\nthe previous billing cycle. Otherwise, Interest will accrue on Purchases beginning on the\ndate of Purchase.\nC. CASH ADVANCES. We will figure the Interest on Cash Advances by applying the Cash Advance Rate to the \xe2\x80\x9cAverage Daily Balance for Cash Advances\xe2\x80\x9d of your Account. To get the Average Daily Balance for Cash Advances, we take the beginning balance\nof your Account for Cash Advances each day, add any new Cash Advances, and subtract any\npayments or credits, unpaid Interest on Cash Advances or Other Charges. This gives us the\ndaily balance for Cash Advances. Then we add up all the daily balances for Cash Advances\nfor the billing period and divide the total by the number of days in the billing cycle. This\ngives us the Average Daily Balance for Cash Advances. There is no grace period within\nwhich you can pay back a Cash Advance and avoid Interest. For Cash Advances obtained by\nmeans of a Convenience Check, Interest may begin to accrue on the date the Convenience\nCheck is presented to us or our agent for payment. For all other Cash Advances, Interest\nmay begin to accrue on the date the Cash Advance is obtained.\n11. FEES\nA. MEMBERSHIP or ANNUAL FEES. The amount of the annual membership fee or annual fee, if any, is set forth in the Credit Terms and Fee Schedule provided.\nYou agree to pay any such fee upon the issuance of a Card and annually thereafter. We\nwill impose the annual membership fee or annual fee on your first Periodic Statement and\nthereafter on the anniversary date of your Account until your Account is terminated or\ncancelled, whether or not you incur any Interest on the Account. The annual membership\nfee or annual fee is not refundable, except as otherwise required by applicable law.\nB. OTHER ADDITIONAL FEES. You agree that we may impose the\nfollowing additional fees: (i) if we do not receive an amount equal to or greater than your\nMinimum Payment Due by the Payment Due Date shown on your Periodic Statement, a late\npayment fee in the amount set forth on the Credit Terms provided; (ii) if a check or other\npayment instrument you send to us is returned unpaid by your bank or there is insufficient\ncredit available on your Account to cover a check issued by you on your Account, a returned\npayment check or returned check fee, respectively, in the amount set forth on the Credit\nTerms provided; (iii) if your Account balance ever exceeds your Credit Limit during a billing\ncycle, an over limit fee in the amount set forth on the Credit Terms provided (if you have\nconsented to us allowing you to exceed your credit limit); (iv) a replacement card fee in\nthe amount set forth on the Credit Terms provided; (v) an annual second card fee for an\nauthorized user on your Account in the amount set forth on the Credit Terms provided;\n(vi) a stop payment fee for each stop payment order or renewal of such an order that you\nrequest in the amount set forth on the Credit Terms provided; and (vii) if you request that\nwe send a card to you through an express delivery service, an express delivery fee up to\nthe amount set forth on the Credit Terms provided (the actual amount of such fee, if any,\nto be disclosed at the time you request service). We may make offers to you from time\nto time that may involve a fee. If we do so and you accept our offer, you agree to pay the\naccompanying fee.\nC. CASH ADVANCE FEE. If you obtain a Cash Advance, we may impose an\nadditional Cash Advance fee in the amount set forth in the Credit Terms and Fee Schedule\nprovided.\n\n35. STATE LAW NOTICES:\nCALIFORNIA RESIDENTS: Interest is compounded on unpaid finance\ncharges on Purchases and on unpaid finance charges on Cash Advances.\nDELAWARE and MARYLAND RESIDENTS: Finance charges will be\nimposed in amounts or at rates not in excess of those permitted by law on the outstanding balances from month to month.\nMARYLAND RESIDENTS: You have the right under Section 12-510 of the\nCommercial Law Code to receive an answer to a written inquiry concerning the status of\nyour account.\nNEW JERSEY RESIDENTS: Because certain provisions of this Agreement\nare subject to applicable law, they may be void, unenforceable or inapplicable in some\njurisdictions. None of these provisions, however, is void, unenforceable or inapplicable\nin New Jersey.\nNEW YORK RESIDENTS: Call the New York State Banking Department at\n(880) 518-8866 for a comparative list of credit card rates, fees and grace periods.\nOHIO RESIDENTS: The Ohio laws against discrimination require that all\ncreditors make credit equally available to all credit worthy customers, and that credit\nreporting agencies maintain separate histories on each individual upon request. The Ohio\ncivil rights commission administers compliance with this law.\nWISCONSIN RESIDENTS: We will not charge you attorneys\xe2\x80\x99 fees, court\ncosts, or other collection costs incurred as a result of your default.\nMARRIED WISCONSIN RESIDENTS: No provisions of any marital\nproperty agreement, unilateral statement under section 766.59 or court decree under section 66.70 will adversely affect the interest of the creditor unless the creditor, prior to the\ntime credit is granted, is furnished a copy of the agreement, statement, or decree or has\nactual knowledge of the adverse position when the obligation to the creditor is incurred.\nWe are required to ask you to provide the name and address of your spouse.\nNOTICE TO THE BUYER\n1. DO NOT SIGN THIS CREDIT AGREEMENT BEFORE YOU READ IT OR IF IT CONTAINS\nANY BLANK SPACES.\n2. YOU ARE ENTITLED TO A COMPLETELY FILLED IN COPY OF THIS CREDIT\nAGREEMENT.\n3. YOU MAY AT ANY TIME PAY MORE THAN THE MINIMUM PAYMENT OR YOUR\nENTIRE BALANCE IN FULL WITHOUT INCURRING ANY ADDITIONAL CHARGE FOR\nPREPAYMENT.\nNEW YORK RESIDENTS: RETAIL INSTALMENT CREDIT AGREEMENT\nCARDHOLDER: Your signature (including any electronic or digital signature) on\nany Application or on any sales slip or other evidence of indebtedness on your Account\nrepresents your signature on this Agreement.\nUNLAWFUL INTERNET GAMBLING NOTICE - Restricted transactions as defined in\nFederal Reserve Regulation GG are prohibited from being processed through this account\nor relationship. Restricted transactions generally include, but are not limited to, those in\nwhich credit, electronic fund transfers, checks, or drafts are knowingly accepted by\ngambling businesses in connection with the participation by others in unlawful Internet\ngambling.\n\nD. BALANCE TRANSFER FEE. If you obtain a Balance Transfer, we may\nimpose an additional Balance Transfer fee in the amount set forth in the Credit Terms and\nFee Schedule provided.\n\n[5]\n\nCARDHOLDER AGREEMENT\n\n721-101 43896\n\n[14]\n\n\x0cfees we have previously paid to the Administrator. Each party must bear the expense of that\nparty\xe2\x80\x99s attorneys, experts, and witnesses, regardless of who wins the arbitration, except to\nthe extent that applicable law or the Administrator\xe2\x80\x99s Rules provide otherwise.\nGOVERNING LAW This Agreement involves interstate commerce and this Provision\nis governed by the Federal Arbitration Act (\xe2\x80\x9cFAA\xe2\x80\x9d), United States Code, Title 9, Sections 1\nand following. The arbitrator must follow: (1) the FAA; (2) the substantive law, consistent\nwith the FAA, related to any Claim; (3) statutes of limitations; and (4) claims of privilege\nrecognized at law. Upon the timely request of either party, the arbitrator must provide a\nbrief written explanation of the basis for the award. The arbitrator will determine the rules\nof procedure and evidence to apply, consistent with the FAA, the Administrator\xe2\x80\x99s Rules, and\nthis Provision. The arbitrator shall not apply federal, state, or local rules of procedure and\nevidence or state or local laws concerning arbitration proceedings.\nOBTAINING INFORMATION After an arbitration proceeding has been started, in\naddition to a party\xe2\x80\x99s right to obtain information from the other party under the Administrator\xe2\x80\x99s Rules, either party may request the arbitrator in writing to allow that party to obtain\nmore information from the other party. A copy of such request must be provided to the\nother party. That party will then have the chance to object in writing within 30 days. The\nobjection must be sent to the arbitrator and the other party. The arbitrator will decide the\nissue, in his or her sole discretion, within 20 days after any objection to providing expanded\ninformation is submitted.\nEFFECT of ARBITRATION AWARD Any appropriate court may enter judgment upon\nthe arbitrator\xe2\x80\x99s award. The arbitrator\xe2\x80\x99s decision will be final and binding, except for any\nappeal right under the FAA and except for Claims involving more than $100,000. For these\nlarge Claims, any party may appeal the award to a three-arbitrator panel appointed by the\nAdministrator. That panel will consider all over again any part of the initial award that any\nparty asserts was incorrectly decided. The decision of the panel will be by majority vote\nand will be final and binding, except for any appeal right under the FAA. Unless applicable\nlaw provides otherwise, the fees charged by the Administrator and the arbitrators for such\nan appeal will be paid by the appealing party, regardless of who wins the appeal. However,\nwe will consider any reasonable written request by you for us to pay such fees. All other\nprovisions of this Provision shall apply to any appeal to a three-arbitrator panel, and any\nreference in this Provision to a single arbitrator shall apply to the three-arbitrator panel.\nCONTINUING EFFECT of ARBITRATION AWARD This Provision will remain in force\nno matter what happens to you or your Account. For example, it will remain in force even\nif: (1) your credit privileges are ended or put on hold; (2) you close your Account; (3) you\nrepay your entire Account balance; (4) we begin a lawsuit to collect amounts we think you\nowe; or (5) you become bankrupt or insolvent or a bankruptcy or insolvency proceeding\nis begun, to the extent consistent with applicable bankruptcy law. If any portion of this\nProvision cannot be enforced for any reason, the rest of this Provision will continue to\napply. In the event of any conflict or inconsistency between this Provision, on the one hand,\nand the Administrator\xe2\x80\x99s Rules or other provisions of this Agreement, on the other hand, this\nProvision will govern.\nCONTACTING ARBITRATION ADMINISTRATORS If you have a question about the\narbitration companies who may serve as Administrator, would like to obtain a copy of their\narbitration rules or fee schedules, or would like a Claim form, you can contact them as\nfollows: American Arbitration Association, 335 Madison Avenue, New York, NY 10017\nwww.adr.org, request the Arbitration Rules for the Resolution of Consumer-Related\nDisputes (for Claims under $10,000) or Commercial Arbitration Rules (for all other Claims);\nJAMS, 45 Broadway, 28th floor, New York, NY 10006, www.jamsadr.com, request the\nFinancial Services Arbitration Rules and Procedures.\nOPT OUT You may choose to opt out of and not be subject to this Arbitration Provision\nbut only by following the process set forth below. If you do not wish to be subject to this\nArbitration Provision, then you must notify us in writing within forty-five (45) calendar days\nof the date of this Agreement at the following address, Card Assets, P.O. Box 723847\nsecurity number, and account number, and a statement that you wish to opt out of this\nArbitration Provision. Your notice to opt out will only apply to this particular Agreement\nwith us and not to subsequent or previous agreements.\n\n[13]\n\nCARDHOLDER AGREEMENT\n\nE. COPY FEE. As permitted by law, we may charge a copy fee for each item\nthat you request (for example, an additional copy of a single statement, check, sales\ndraft, etc.) in the amount set forth on the Credit Terms provided. We will not charge this\nfee (or we will reverse it) if your request relates to a billing dispute (provided that you\nhave followed the procedures for billing disputes described in this Agreement and on the\nreverse of each Periodic Statement).\nF. EXPEDITED PAYMENT SERVICE FEE. We may offer various services from time to time that allow you to make expedited payments on your Account over\nthe telephone or through the Internet, for which we may charge a fee. The actual amount\nof the fee, if any, applicable to a telephone or online payment you choose to make will be\ndisclosed to you before you authorize the payment(s) to be made.\nG. FOREIGN CURRENCY TRANSACTION FEE. You may make a\nPurchase or obtain a Cash Advance in (i) a foreign country in U.S. dollars or (ii) involving\na foreign currency other than U.S. dollars. If you do, we may impose a Foreign Currency\nTransaction Fee in the amount set forth in the Credit Terms and Fee Schedule provided.\n12. WAIVER OF SECURITY INTEREST. We will neither take nor retain\na purchase money security interest in any merchandise purchased on your Account. We\nagree that no security interest is or will be retained or acquired under this Agreement in\nany real property which is used or is expected to be used as your principal dwelling. Further, we hereby waive any and all such security interests that might arise in connection\nwith this Agreement (including mechanics\xe2\x80\x99 liens, material men\xe2\x80\x99s liens and other similar\nliens that may arise by operation of the law). This waiver does not apply to a lien created\nby a court judgment.\n13. COLLECTION COSTS. If after your default we refer your Account to an\nattorney for collection, we may charge you our collection costs, including court costs and\nreasonable attorneys\xe2\x80\x99 fees, when and as permitted by applicable law.\n14. YOUR PAYMENTS. Each cycle you must pay the Minimum Payment Due\nshown on your Periodic Statement by the Payment Due Date. If you wish, you may pay\nmore than the Minimum Payment Due and we will use the excess to reduce your Account\nbalance.\nIf in a cycle you send us more than the Minimum Payment Due, in the next cycle you\nmust still pay at least the Minimum Payment Due. Your Minimum Payment Due is the\ngreater of: (1) all accrued and unpaid interest charges, plus all accrued and unpaid fees,\nplus all past due amounts, plus any amount by which your account balance exceeds a\ncredit limit, plus one percent (1%) of the remaining new balance of your account; or (2)\n$25.00 (or the entire new balance, if less than $25.00), or (3) 2.5% of the balance (rounded\nto the next highest whole dollar amount). Unless we receive your Minimum Payment Due\nby the Payment Due Date shown on your Periodic Statement, we may charge your Account\na late payment fee as specified in paragraph 10.B herein.\nYou must make your payment by check, money order, or similar instrument payable\nin U.S. funds and drawn on a financial institution located in the United States. Mail your\npayment to the address shown on your Periodic Statement. Your payment will be credited\nas of the date of receipt by us only if received by the time specified from time to time on\nyour Periodic Statement. Any payments received after this time will be deemed received\nby us on the next business day. Payments made at any location other than the address\nshown on your Periodic Statement could be subject to a delay in crediting. With your\npayment, include your payment coupon, which is a portion of your Periodic Statement. If\nyou do not include your payment coupon, credit to your Account may be delayed. Delayed\ncrediting may cause you to incur a Late Fee or additional Interest. Do not send us cash.\nYou may not use a Convenience Check to pay us. Payments will be applied first to the\nbalance type with the highest APR, until that balance type has been paid, and then to\nthe balance type with the next highest APR until that balance type has been paid, and so\non until all balance types have been paid. Examples of \xe2\x80\x9cbalance types\xe2\x80\x9d include Balance\n\n721-101 43896\n\n[6]\n\n\x0c17. AUTHORIZATION OF TRANSACTIONS. We are not responsible (i)\nif a merchant or financial institution does not honor your Card or (ii) for goods or services\nyou purchase by using your Account, except to the extent required by applicable law. Although you may have credit available, we may be unable to authorize credit for a particular\ntransaction because of operational difficulties or mistakes. The number of transactions you\nmay make in one day may be limited since we may limit the number of authorizations which\nmay be given. We reserve the right to limit the amount and number of transactions we will\nauthorize per day. From time to time, the number or amount of allowable authorizations per\nday may vary. These restrictions are for security reasons. As a result, we cannot explain\nthe details of how this system works. Neither we nor our agents will be responsible if\n\nthat we have acquired; (2) any company to which we transfer our rights under this \xe2\x80\x9cAgreement; and (3) all of the employees or other individuals who manage these companies.\nFinally, if either you or we elect to arbitrate any Claim you bring against us, these terms\ninclude any other persons or companies whom you make Claims against in the same\nproceeding.\n\xe2\x80\x9cCLAIM\xe2\x80\x9c means any dispute between you and us that arises as a result of or has\nanything at all to do with: (1) your Account; (2) the events leading up to your becoming\nan accountholder; (3) this Agreement; (4) any prior credit account or agreement relating\nto such account; or (5) your relationship with us. This includes disputes relating to any\nproducts, insurance, or other services offered to you as an accountholder. This includes\ndisputes about whether this Provision is valid or binding or about whether or when it\napplies. It includes disputes relating to constitutional provisions; statutes; ordinances;\nregulations; case law; compliance with the Agreement or any agreement related to any\nprior credit account; and wrongful acts of every type (whether intentional; fraudulent;\nreckless; or just negligent). It includes requests for money, for orders requiring you or us\nto take certain actions (which are sometimes referred to as \xe2\x80\x9cinjunctive relief\xe2\x80\x9d), and for\nany other kind of relief. This Provision applies to Claims that arise prior to, on, or after\nthe effective date of this Provision.\n\xe2\x80\x9cADMINISTRATOR\xe2\x80\x9c means the American Arbitration Association or JAMS. These\ncompanies administer arbitration proceedings. The arbitrator will be selected under the\nAdministrator\xe2\x80\x99s Rules. You can select the Administrator if you give us written notice of\nyour selection with your notice that you are electing to arbitrate any Claim or within 20\ndays after we give you notice that we are electing to arbitrate any Claim. If you do not\nselect the Administrator on time, we will select one. If for any reason the Administrator\nyou or we select is unable or unwilling to serve or continue to serve as Administrator, you\nwill have 20 days to select a different Administrator.\nSTARTING ARBITRATION You or we can give written notice of an intention to begin\narbitration of a Claim or Claims or to require arbitration of the other party\xe2\x80\x99s Claim or\nClaims. This notice can be given by one party even if the other party has begun a lawsuit.\nIf such a notice is given, any Claim will be resolved by arbitration under this Provision\nand the Administrator\xe2\x80\x99s Rules that are in effect at the time the Claim is filed with the\nAdministrator. The arbitrator must be a lawyer with more than 10 years experience or a\nretired judge. A copy of the Claim form may be obtained from the Administrator or from\nus. A party who has asserted a Claim in a lawsuit may still elect arbitration with respect\nto any Claim that is later asserted in the same lawsuit by any other party. All doubts\nabout whether to arbitrate a Claim shall be resolved in favor of arbitration. We will not\nelect to arbitrate an individual Claim that you bring against us in \xe2\x80\x9csmall claims\xe2\x80\x9d court.\nHowever, we may elect to arbitrate a \xe2\x80\x9csmall claims\xe2\x80\x9d court Claim that is later sent or\nappealed to any different court.\nIMPORTANT LIMITATIONS IF YOU OR WE ELECT TO ARBITRATE A CLAIM, YOU WILL\nNOT HAVE THE RIGHT TO PURSUE THAT CLAIM IN COURT OR HAVE A JURY DECIDE THE\nCLAIM. ALSO, YOUR ABILITY TO OBTAIN INFORMATION FROM US AND TO APPEAL IS MORE\nLIMITED IN ARBITRATION THAN IN A LAW-SUIT. OTHER RIGHTS THAT YOU WOULD HAVE IF\nYOU WENT TO COURT MAY ALSO NOT BE AVAILABLE IN ARBITRATION. THE FEES CHARGED\nBY THE ADMINISTRATOR MAY BE HIGHER THAN THE FEES CHARGED BY A COURT. THE\nSAME LIMITATIONS ALSO APPLY TO US. IN ADDITION, IF YOU OR WE ELECT TO ARBITRATE A\nCLAIM: (1) NEITHER YOU NOR ANYONE ELSE ON YOUR BEHALF CAN PURSUE THAT CLAIM IN\nCOURT IN A CLASS OR REPRESENTATIVE ACTION (SUCH AS A PRIVATE ATTORNEY GENERAL\nACTION); (2) NEITHER YOU NOR ANYONE ELSE ON YOUR BEHALF CAN PURSUE THAT CLAIM\nIN THE ARBITRATION ON A CLASS-WIDE OR REPRESENTATIVE (SUCH AS A PRIVATE ATTORNEY GENERAL) BASIS; AND (3) CLAIMS BROUGHT BY OR AGAINST ONE ACCOUNTHOLDER\n(OR JOINT ACCOUNTHOLDERS) MAY NOT BE BROUGHT TOGETHER WITH CLAIMS BROUGHT\nBY OR AGAINST ANY OTHER ACCOUNTHOLDER.\nARBITRATION and COSTS Any arbitration hearing that you attend will take place\nin the federal judicial district where you live. If you cannot afford to pay the fees charged\nby the Administrator and the arbitrator or if you believe that such fees are too high, we\nwill consider any reasonable written request by you for us to pay the fees. We will pay any\nfees or expenses we are required to pay by law. You will never be required to pay us any\n\n[7]\n\n721-101 43896\n\nTransfer, Purchase and Cash Advance balances. If you send us a payment in an amount\nthat we consider large under the circumstances, we may temporarily limit your available\ncredit to make sure that we will receive the funds. If you have more than one account with\nus or any of our affiliates and you send us a single payment intended to pay more than one\nof your accounts, we may apply your payment to the accounts as we choose. If a payment\nis credited to your Account but is later returned unpaid in a later billing cycle, we will\nrecalculate the payment for the billing cycle in which the payment was originally credited,\nwhich may result in the assessment of additional Interest and fees.\nReceipt of your check will constitute your authorization for us, at our option, to initiate\nan Automated Clearinghouse (ACH) debit entry to your checking account for the amount of\nthe check as an alternative to the paper-based check clearing system.\nYou agree not to send us payments marked \xe2\x80\x9cpaid in full,\xe2\x80\x9d \xe2\x80\x9cwithout recourse,\xe2\x80\x9d or with\nsimilar language. If you send such a payment, we may accept it without losing any of\nour rights under this Agreement. All written communications concerning disputed\namounts, including any check or other payment instrument that indicates that the\npayment constitutes \xe2\x80\x9cpayment in full\xe2\x80\x9d of the amount owed or that is tendered with\nother conditions or limitations or as full satisfaction of a disputed amount, must be\nNo payment will operate as an accord and satisfaction without the prior written\nconsent of a senior bank officer or Bank representative or authorized agent.\n15. CASH ADVANCES and CASH EQUIVALENT\nTRANSACTIONS. You may obtain a Cash Advance by either presenting your Card\nat a participating bank, or using your Card at a PLUS\xc2\xae or CIRRUS\xc2\xae terminal or other\ncompatible automated teller machine (\xe2\x80\x9cATM\xe2\x80\x9d) terminal. Your daily Cash Advances may not\nexceed the least of the local ATM limit (if any), the withdrawal and dollar limits described\nherein in this paragraph, or your Credit Limit. You may obtain a Cash Advance by using\nyour Card at any PLUS\xc2\xae or CIRRUS\xc2\xae ATM or other compatible ATM, provided it is used\nwith your correct Personal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) issued to you. You must comply\nwith the terms and conditions of the ATM network that you use. We may terminate or block\nyour ability to obtain Cash Advances at ATMs if we reasonably believe that there is unusual\nactivity on the Account or if you are in default under this Agreement. Cash Equivalent\nTransactions include the purchase of travelers checks, money orders, wire transfers, lottery\ntickets, race track wagers or similar betting transactions, foreign currency purchases and\nmaking payments using a third party service.\n16. FOREIGN CURRENCY TRANSACTIONS. You may make a\nPurchase or obtain a Cash Advance in (i) a foreign country in U.S. Dollars or (ii) a currency\nother than U.S. dollars. If you do, the transaction will be converted into U.S. dollars, generally using either (1) a government mandated rate or (2) a wholesale market exchange rate\nin effect when the transaction is processed, (\xe2\x80\x9cExchange Rate\xe2\x80\x9d). The conversion rate they\nuse may differ from the published rate in effect on the day that you made the transaction or\nit was posted to your Account. You agree to pay us the amount as converted to U.S. dollars.\nIf you later receive a refund for a transaction, the amount of the refund will be converted at\nthe Exchange Rate in effect when the refund is processed, which may be different from the\nExchange Rate for the original transaction.\n\nCARDHOLDER AGREEMENT\n\n[12]\n\n\x0cAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest\nor other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the\namount you owe and the date payment is due. We may then report you as delinquent\nif you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us\nwithin 10 days telling us that you still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we must let those 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\nyou question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit\ncard, and you have tried in good faith to correct the problem with the merchant, you may\nhave the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of\nyour current mailing address, and the purchase price must have been more than\n$50. (Note: Neither of these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that sold you the goods\nor services.)\n2. You must have used your credit card for the purchase. Purchases made with cash\nadvances from an ATM or with a check that accesses your credit card account do not\nqualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact\n0847. You may also contact us on the web: www.24-7cardaccess.com.\nWhile we investigate, the same rules apply to the disputed amount as discussed above.\nAfter we finish our investigation, we will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as delinquent.\n31. NO WAIVER BY US. We may choose to delay enforcing or waive any of our\nrights under this Agreement in certain situations. We can delay enforcing or waive any of\nour rights without affecting our other rights. If we waive a right, we do not thereby waive\nthe same right in other situations.\n32. SEVERABILITY. If any provision of this Agreement is finally determined to\nbe unenforceable under any law, rule, or regulations, all other provisions of this Agreement\nare still valid and enforceable.\n33. ENTIRE AGREEMENT. The Cardholder Documents constitute the entire\nAgreement between you and us relating to your Account and supersede any other prior\nor contemporaneous agreement between you and us relating to your Account. Except as\notherwise expressly provided, if there is any conflict among these documents, the terms of\nthis Agreement control.\n34. ARBITRATION AGREEMENT. (Agreement to Arbitrate). Arbitration is\na method of deciding disputes outside the court system. This Arbitration Provision (the\n\xe2\x80\x9cProvision\xe2\x80\x9d) governs when and how any disputes you and we may have will be arbitrated\ninstead of decided in court.\nCERTAIN DEFINITIONS Certain words used in this Provision have special meanings:\n\xe2\x80\x9cWE,\xe2\x80\x9d \xe2\x80\x9cUS,\xe2\x80\x9cand \xe2\x80\x9cOUR\xe2\x80\x9c means First Arkansas Bank & Trust (\xe2\x80\x9cBank\xe2\x80\x9d) and our\naffiliates, successors and assigns and also include: (1) any prior issuer of a credit account\n\n[11]\n\nCARDHOLDER AGREEMENT\n\nauthorization for a particular transaction is not given. If you exceed your Credit Limit, or if\nyour Account is past due, authorization for transactions may be declined.\n18. LIABILITY FOR UNAUTHORIZED USE. You may be liable for the\nunauthorized use of your Card(s) or PIN(s). You agree promptly to notify us if your Card(s)\nor PIN(s) is/are lost or stolen or of possible unauthorized use of your Card(s) or PIN(s) by\ncalling us at 1-800-854-7642. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use of your Card(s) or PIN(s)\nand in any case, your liability for unauthorized use will not exceed $50 (in NY, you will\nhave no liability for unauthorized use of the Card(s) or PIN(s) prior to the Effective Date).\nYou agree that unauthorized use does not include use by a person to whom you have given\nauthority to use the Account or Card(s) or PIN(s) and that you will be liable for all use by\nsuch a person. To terminate that authority, you must call us at 1-800-854-7642.\n19. ASSIGNMENT. Your Account, Card(s), this Agreement and your obligations\nhereunder are not transferable or assignable by you. If we wish, we may transfer or assign\nthis Agreement, your Account, or your Account balance to any other person, with or\nwithout advance notice to you.\n20. CLOSING YOUR ACCOUNT. You can close your Account to further\ntransactions at any time by calling us or writing us at the telephone number or address\nshown on your Periodic Statement. Your Account will be closed to further transactions\nimmediately after we receive your notice. We may not honor any Purchase, Balance\nTransfer, or Cash Advance that we receive after we receive your notice. If you close your\nAccount, you must immediately stop using your Account. YOU MUST PAY THE ENTIRE\nBALANCE AMOUNT YOU OWE US, INCLUDING AMOUNTS OWED BUT NOT YET\nBILLED TO YOU. Until you pay us in full, Interest will continue to accrue and we may\nreport the amount you owe us.\nWe have the right to suspend or close your Account at any time, without advance\nnotice or demand to you (unless otherwise required by applicable law), for any reason we\ndeem appropriate, including if you are in default under this Agreement.\nUnless otherwise prohibited by applicable law, we may at our option declare you to be\nin default under this Agreement if:\n(1) You fail to pay the Minimum Payment Due by the Payment Due Date shown on\nyour Periodic Statement;\n(2) You die or become bankrupt, insolvent, or incompetent;\n(3) There is an attachment, execution, levy, or garnishment against you, your wages,\nor your property, or such proceedings are commenced against you;\n(4) You provide information to us that is false, misleading, or incomplete;\n(5) You exceed your Credit Limit;\n(6) You violate any provision of this Agreement;\n(7) You are in default under any other loan or security agreement you have with us;\n(8) You change your address or residence to, or you live in, a jurisdiction in which we\ndo not, or no longer, offer Cards;\n(9) You change your residence or address to, or you live in, a location outside the\nUnited States;\n(10) You fail to pay any amount due to another creditor; or\n(11) We believe in good faith that you may not pay or perform your obligations under\nthis Agreement.\nIf we close your Account to further transactions, unless otherwise prohibited by law,\nyou must immediately pay the entire amount you owe us, including amounts owed but not\nyet billed to you. Until you pay us in full, Interest will continue to accrue on the amount\nyou owe us.\n21. OTHER SERVICES. From time to time, third parties may offer you\nadditional services. These services may include credit card registration, emergency cash\nservice, address change service, and other related services. These services are the sole\nresponsibility of the third parties; we are not liable for these services. You agree to hold us\n721-101 43896\n\n[8]\n\n\x0charmless to the fullest extent possible from any claims resulting from your purchase or use\nof these services, unless otherwise prohibited by applicable law. If you elect to purchase any\nof these services, you authorize us to charge the premium or fee to your Account.\n22. SPECIAL PROGRAMS. From time to time we may offer Special Programs\nfor your Account. The standard provisions of this Agreement (including Interest and Fees)\napply to any Special Program unless inconsistent with a particular Special Program\noffering. If you use your Account in accordance with the terms of a Special Program, you\nacknowledge and agree to the terms of the Special Program offering. No formal modification or amendment of this Agreement will be necessary. The standard provisions of this\nAgreement will continue to apply to any and all transactions that are not subject to a\nSpecial Program.\n23. CREDIT REPORTS AND ACCOUNT INFORMATION. You give\nus permission to request information from you and to make whatever inquiries we consider\nnecessary and appropriate (including requesting a consumer report from consumer credit\nreporting agencies) in considering your Application and for any lawful purpose, including\nany updates, renewals or extensions of credit or reviewing or collecting your Account. Upon\ninform you of the name and address of each consumer credit reporting agency from which\nwe obtained a consumer report, if any, relating to you. We may also obtain information\nabout your credit worthiness and employment from others and may furnish information concerning your Account as well as information concerning you to consumer credit\nreporting agencies and to other proper parties. We may report information about your\naccount to credit bureaus. Late payments, missed payments or other defaults on\nyour account may be reflected in your credit report.\n24. NOTICE OF INACCURATE INFORMATION. If you believe that we\nhave information about you that is inaccurate or that we have reported or may report to a\ncredit reporting agency information about you that is inaccurate, please notify us of the\nspecific information that you believe is inaccurate by writing to us at Card Assets, P.O.\n25. SHARING INFORMATION WITH AFFILIATES AND OTHERS.\nAs permitted by applicable law, we may share with third parties information about our experiences or transactions with you. We also may share additional information with companies\nrelated to us by common ownership or affiliated with us by corporate control (\xe2\x80\x9caffiliates\xe2\x80\x9d).\nAll such sharing will be in accordance with our then current Privacy Notice.\n26. TELEPHONE MONITORING AND RECORDING: From time to\ntime, we may monitor and/or record telephone calls regarding your Account with us to assure the quality of our service, and you agree to any such monitoring or recording. We treat\nall customer calls as confidential.\n\n28. GOVERNING LAW. This Agreement and your Account are governed\nby the federal laws of the United States and, to the extent not preempted by\nfederal law the laws of the State of Arkansas (without regard to its internal\nprinciples of conflict of laws), whether or not you live in Arkansas and whether\nor not you use your Card(s) in Arkansas. This Agreement is entered into between\nyou and us in Arkansas and we extend credit to you from Arkansas. All payments under this agreement are received by the remittance processing center\ndesignated by us.\n29. CHANGING TERMS. We can change, add to, delete or otherwise modify\nthe terms of this Agreement at any time, beginning twelve (12) months after Account\nopening, in any way permitted by law. We will send you a notice of change at least 45\ndays (or as otherwise required by applicable law) before the effective date of the change.\nWe do not have to send you an advance notice of the change if it favors you, such as\nby reducing Interest rates, or increasing the maximum credit limit. Except in cases\nwhere we are changing terms because we have not yet received your Minimum Payment\nDue within 60 days of the Payment Due Date, you agree that the change may cover all\ntransactions made 15 days after we mail the notice. If you do not agree to the change, a\nmethod for rejecting the change and closing the account will be provided in the Change of\nTerms Notice. You agree that if you use your card after the effective date of the change,\nthis will constitute your agreement to the change\n30. YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR\nFUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at: Card Assets, P.O. Box\nwww.24-7cardaccess.com.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you\nbelieve is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to\nstop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are\nnot required to investigate any potential errors and you may have to pay the amount in\nquestion.\n\n27. COMMUNICATING WITH YOU, CONSENT TO CONTACT\nBY ELECTRONIC AND OTHER MEANS: You agree that we may contact\nyou as provided in this paragraph. We may contact you for any lawful reason, including\nfor the collection of amounts owed to us and for the offering of products or services in\ncompliance with our Privacy Notice in effect from time to time. No such contact will be\ndeemed unsolicited. We may contact you at any address or telephone number (including\nwireless cellular telephone or ported landline telephone number) that you may provide to\nus from time to time. We may use any means of communication, including, but not limited\nto, postal mail, electronic mail, telephone or other technology, to reach you. You agree that\nwe may use automatic dialing and announcing devices which may play recorded messages.\nWe may also send text messages to your telephone. You may contact us at any time to ask\nthat we not contact you using any one or more methods or technologies.\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\nletter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain\nto you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on\nthat amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to\ncharge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the\nremainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\n[9]\n\n721-101 43896\n\nCARDHOLDER AGREEMENT\n\n[10]\n\n\x0c'


b'. 4%\n.99%\n\n. 4%\n\n. 4%\n\n23.99%\n\nHow Long Will the Penalty APR Apply?\n\n$1.00\n\n$ .00\n$10.00\n\n4.0%\n\n$10.00\n\n5.0%\n\n$35.00\nNone\n$25.00\n\n\x0c\x0c'


b'VISA SIGNATURE CREDIT CARD/VISA SELECT CREDIT\nCARD\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit\nUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers\nthis Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\nmonths and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers and money orders. This paragraph shall not\nbe interpreted as permitting or authorizing any transaction that is illegal.\n\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\n10500862-MXC50-P-1-091515 (MXC503 CCM004)-e\n\n\x0c3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this 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 rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle. Finance charge begins to accrue on those purchases from the first day of the next billing cycle,\nunless you paid the entire new balance on the previous cycle\xe2\x80\x99s billing statement by the payment due date of that\nstatement. To avoid an additional finance charge on the balance of purchases, you must pay the entire new balance on\nthe billing statement by the payment due date of that statement. A finance charge begins to accrue on cash advances\nfrom the date you get the cash advance or from the first day of the billing cycle in which the cash advance is posted to\nyour account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day and subtract any payments and/or\ncredits that we apply to the purchase balance. (We do not add in any purchases posted during the billing cycle.) This\ngives us the daily balance of purchases. We then add all of the daily balances of purchases for the billing cycle together\nand divide the total by the number of days in the billing cycle. This gives us the average daily balance of purchases.\nBalance transfers are calculated in the same manner as purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all multiple currency foreign transactions, including\npurchases, cash advances and credits to your account. A fee (finance charge), calculated in U.S. dollars, will be imposed\non all single currency foreign transactions, including purchases, cash advances and credits to your account. A foreign\ntransaction is any transaction that you complete or a merchant completes on your card outside of the United States, with\nthe exception of U.S. military bases, U.S. territories, U.S. embassies or U.S. consulates. The Foreign Transaction Fee is\nset forth on the Disclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Account Set-Up Fee. If your account is subject to an Account Set-up Fee, a fee will be charged when you apply for a\ncredit card account.\nb. Program Fee. If your account is subject to a Program Fee, a fee will be charged when you open an account as\ndescribed on the Disclosure accompanying this Agreement.\nc. Participation Fee. If your account is subject to a Participation Fee, a fee will be charged when you open an account\nas described on the Disclosure accompanying this Agreement.\nd. Additional Card Fee. If your account is subject to an Additional Card Fee, a fee will be charged for each additional\ncard issued to you at account opening.\n10500862-MXC50-P-1-091515 (MXC503 CCM004)-e\n\n\x0ce. Application Fee. If your account is subject to an Application Fee, a fee will be charged when you apply for a credit\ncard account.\nf. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee\nwill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial\ninstitution.\ng. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance\ncharge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.\nh. Transaction Fee for Purchases (Finance Charge). If your account is subject to a Transaction Fee for Purchases\n(finance charge), a fee will be charged to your account for purchases as disclosed on the Disclosure accompanying this\nAgreement.\ni. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\nj. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may\ncharge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing\ncycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent\ncycle or you have reduced the balance below the credit limit as of the end of each bill cycle.\nk. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned for any reason.\nl. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your\naccount for each rush card that you request, providing delivery of the card is also available by standard mail service,\nwithout paying a fee for delivery.\nm. Emergency Card Replacement Fee. If your account is subject to an Emergency Card Replacement Fee, a fee will\nbe charged to your account for each emergency replacement card that is issued to you.\nn. PIN Replacement Fee. If your account is subject to a PIN Replacement Fee, a fee will be charged to your account\nwhenever you request a new PIN number for your account.\no. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each\nreplacement card that is issued to you for any reason.\np. Pay-by-Phone Fee. If your account is subject to the Pay-by-Phone Fee, a fee will be charged for each time you make\na payment by telephone as disclosed on the Disclosure accompanying this Agreement.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). The minimum payment is 2.00% of your total new\nbalance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all\noutstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on the\nstatement. The Credit Union also has the right to demand immediate payment of any amount by which you are over your\ncredit limit. In accordance with applicable law, the Credit Union may not post payments to your account or reflect them in\nyour available credit limit on the date they are received. The Credit Union may delay replenishing your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\n\n10500862-MXC50-P-1-091515 (MXC503 CCM004)-e\n\n\x0cCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date\nthat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the\nperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at 3700 E ALAMEDA AVENUE, DENVER, CO 80209 or telephone 303-321-4209 Monday\nthrough Friday during regular business hours Mountain Time or 1-888-241-2510 seven (7) days a week, 24 hours a day,\nof the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized use of your credit card.\nYou will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use.\nYou will have no liability for unauthorized transactions made with your credit card, unless you are grossly negligent in the\nhandling of your card. In any case, your liability will not exceed $50.00.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay\n10500862-MXC50-P-1-091515 (MXC503 CCM004)-e\n\n\x0cthe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advances, credit or other slips you sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate\naddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of gambling\ntransaction.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n28. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address listed on your statement.\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink 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\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report you as delinquent on that amount.\n- The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\n\n10500862-MXC50-P-1-091515 (MXC503 CCM004)-e\n\n\x0cAfter we finish our investigation, one of two things will happen:\n- If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at\nthe address listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n\n10500862-MXC50-P-1-091515 (MXC503 CCM004)-e\n\n\x0c'