b'Rewards Card\nApplication Disclosures \xe2\x80\x93 Village Bank Unsecured Consumer Credit Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\n14.74%, 15.74%, 17.74%, or 19.74% when you open your account, based\non your creditworthiness.\n\nAfter that, your APR will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\n14.74%, 15.74%, 17.74%, or 19.74% when you open your account, based on your\ncreditworthiness.\nAfter that, your APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n14.74%, 15.74%, 17.74%, or 19.74% when you open your account, based on your\ncreditworthiness.\nAfter that, your APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you\nany interest on purchases if you pay your entire balance by the due date each month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $2.00.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\nNone\n\n\xe2\x80\xa2 Cash Advance\n\nEither $10 or 3% of the amount of each cash advance, whichever is greater.\n\n\xe2\x80\xa2 Foreign Transaction\n\n2% of each transaction in U.S. dollars.\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\xe2\x80\xa2 Returned Convenience Check\n\nUp to $27\nUp to $27\nUp to $27\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\n\nI am applying for the maximum amount of credit I qualify for. If my application is approved, I understand that I will be subject to\nall terms described in the agreement provided with my consumer credit card, including terms related to account payments, rates,\nfees, governing law and change in terms. I agree to be responsible, individually and together with any co-applicant, for use of the\ncredit card account by any cardholder or authorized user. I understand this agreement will become effective and I will be bound\nby its terms the first time the credit card account is activated or used by any cardholder or authorized user. I understand and agree\nthat Village Bank may obtain consumer reports about me to review this application, and, if it opens a credit card account for\nme, Village Bank may obtain consumer reports about me in the future to review, update, renew, collect, and service my credit card\naccount and for other purposes permitted by law. Upon my request, I understand Village Bank will tell me whether it obtained a\nconsumer report about me and provide the name and address of any consumer reporting agency that provided the report.\nConsent for Communications: By providing the number of my telephone land line, mobile phone or other wireless device and my\nemail address, now or in the future, I expressly authorize Village Bank and any of its affiliates, agents, service providers, and assignees\nto call me using an automatic telephone dialing system or otherwise, leave a voice, prerecorded or artificial voice message\nForm AD VBK\n11/2017\n\n\x0cRewards Card\nApplication Disclosures \xe2\x80\x93 Village Bank Unsecured Consumer Credit Card\nfor me, and send a text, email or other electronic message to me, for any purpose related to the origination, servicing and collection\nof any account Village Bank may establish for me or for informational purposes related to my accounts with Village Bank (each, a\n\xe2\x80\x9cCommunication\xe2\x80\x9d). I agree that Village Bank and its affiliates, agents, service providers or assignees may call or text me at any\ntelephone number associated with my accounts that I provide now or in the future, including mobile telephone numbers, and may\nsend an email to any email address associated with my accounts that I provide now or in the future. I also agree that Village Bank and\nany of its affiliates, agents, service providers or assignees may include my personal information in a Communication. I understand\nthat Village Bank will not charge me for a Communication, but my service provider may. I also understand and agree that\nVillage Bank and any of its affiliates, agents, service providers or assignees may always communicate with me in any manner\npermitted by law that does not require my prior consent. I agree that Village Bank may monitor and record any telephone calls to\nassure service quality or for other legitimate business reasons.\nNotice of Negative Information Furnishing: We may report information about your account to credit bureaus. Late payments,\nmissed payments, or other defaults on your account may be reflected in your credit report.\nMilitary Lending Act: Certain members of the Armed Forces and their dependents (\xe2\x80\x9cCovered Borrowers\xe2\x80\x9d) are protected by the\nMilitary Lending Act, 10 USC \xc2\xa7987 (\xe2\x80\x9cMLA\xe2\x80\x9d). To hear important MLA disclosures and payment information for our credit card\nagreements, please call (866) 806-9304.\nNotice to California Residents: An applicant, if married, may apply for a separate account. After credit approval, the primary\napplicant and any co-applicant will each have the right to use the account to the extent of any established credit limit and each may\nbe liable for all credit extended under the account.\nNotice to Ohio Residents: The Ohio laws against discrimination require that all creditors make credit equally available to all\ncreditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon request. The\nOhio Civil Rights Commission administers compliance with this law.\nNotice to New York Residents: New York residents may contact the New York State Department of Financial Services at 1-800-3423736 or go to www.dfs.ny.gov for free information on comparative credit card rates, fees and grace periods.\nNotice to Married Wisconsin Residents: Wisconsin law provides that no agreement, unilateral statement or court decree relative to\nmarital property will adversely affect a creditor\xe2\x80\x99s interest, unless prior to the time credit is granted the creditor is furnished a copy of\nthe agreement, statement or decree, or has actual knowledge of the adverse provision. If any applicant or co-applicant is a married\nWisconsin resident, each must provide his/her spouse\xe2\x80\x99s name and address in writing and mail it to Village Bank, Attn: Village\nCustomer Care, 1793 South Creek One, Powhatan VA 23139 within fifteen (15) days after account approval, so we can provide a\nnotice to that spouse as required by Wisconsin law.\n\nForm AD VBK\n11/2017\n\n\x0cConsumer Credit Card Agreement\nThis Consumer Credit Card Agreement applies to your credit card account with Village Bank, Midlothian, Virginia (the \xe2\x80\x9cAccount\xe2\x80\x9d).\nThe words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean Village Bank, its agents, authorized representatives, successors, and assigns. The words \xe2\x80\x9cyou\xe2\x80\x9d\nand \xe2\x80\x9cyour\xe2\x80\x9d mean each person (as an individual) and all persons (as a group) who apply and are responsible for paying the\nAccount or on whose behalf we issue a credit card or other device for Account access (each, a \xe2\x80\x9cCard\xe2\x80\x9d). An \xe2\x80\x9cAuthorized User\xe2\x80\x9d is a\nperson any of you authorize to use the Account or a Card, but who did not apply for the Account and who is not directly responsible\nto us for paying the Account. The \xe2\x80\x9cInterest Charges\xe2\x80\x9d that apply to your Account are the charges we determine by multiplying a\nperiodic rate to your Account balances. The \xe2\x80\x9cFees\xe2\x80\x9d are other Account charges that are not Interest Charges we calculate based on a\nperiodic interest rate. Other capitalized terms not defined by this paragraph are generally defined with their first use in the\nAgreement.\n1.\n\nYour Account Agreement and When It Becomes Effective\n\nOur complete Account agreement with you (the \xe2\x80\x9cAgreement\xe2\x80\x9d) is contained in and governed by:\n(A) this document, called the Consumer Credit Card Agreement;\n(B) all Account disclosures and terms provided to you at or before the time the Account is first opened and can be used,\nincluding those made when you applied for the Account, before we allowed you to use the Account and Cards (the\n\xe2\x80\x9cAccount Opening Disclosures\xe2\x80\x9d), and in other written materials delivered with your Card;\n(C) all other disclosures and terms that relate specifically to your Account and its features and services, including rewards\ndisclosures (if your Account has rewards) and disclosures about benefits that may be provided by the payment card network\nshown on your Card (each, a \xe2\x80\x9cPayment Card Network\xe2\x80\x9d);\n(D) disclosures and terms shown on periodic statements for your Account (each, a \xe2\x80\x9cStatement\xe2\x80\x9d); and\n(E) any future changes we make to any of these disclosures and terms, as permitted or required by law.\nPlease read these materials carefully and keep them together for future reference. You understand and agree that the Agreement\nbecomes effective the first time any of you or any Authorized User activates a Card or uses the Account in any way. When the\nAgreement says that we \xe2\x80\x9cmay\xe2\x80\x9d take an action, this means we are authorized to take the action in our sole discretion, subject only to\nany limitations or requirements established by law or the express terms of the Agreement. We may make new offers to you in the\nfuture or forward offers from others that may interest you. Any new or different terms that apply will be provided with the offer. If\nyou accept the offer, the previously disclosed terms in the Agreement will still apply except as expressly modified by the offer.\n2.\n\nRequired Account Information\n\nWe must have complete, current and valid information about you to provide your Account (including names, addresses; telephone\nnumbers; dates of birth; employment and income information, Social Security numbers, or other government identification numbers).\nWe may also ask for similar information about any Authorized User. You must notify us when this information changes. To\ndo this, contact us in writing at the address shown on your most recent Statement or call us at the customer service telephone\nnumber shown on your most recent Statement or the back of your Card. We may require you to provide additional documents\nacceptable to us so we can verify information.\n3.\n\nUsing Your Account and Card\n\nIn general, you and Authorized Users may use a Card and the Account: (a) to purchase or obtain property, rights, goods and services\nfrom merchants and vendors (each, a \xe2\x80\x9cPurchase\xe2\x80\x9d); (b) to obtain a loan from us using the Card, convenience checks or other devices\nwe approve for Account access, including loans initiated through a bank teller or an Automated Teller Machine and your use of a\nCard or Account to obtain an item we consider a cash equivalent, such as wire transfers, travelers\xe2\x80\x99 checks, money orders, foreign\ncurrency, lottery tickets, and gaming chips (each, a \xe2\x80\x9cCash Advance\xe2\x80\x9d); and (c) to transfer balances to the Account from an account\nyou owe a different financial institution or creditor, using any written, electronic or telephonic device or method we approve for this\npurpose and subject to our rules and restrictions (each, a \xe2\x80\x9cBalance Transfer\xe2\x80\x9d). Together, these Purchases, Cash Advances, and\nBalance Transfers are the \xe2\x80\x9cBalance Categories\xe2\x80\x9d of your Account. From time to time, we may also allow you to use your Account or\nCard for Purchases, Cash Advances or Balance Transfers subject to unique terms we describe in our promotional materials (each, a\n\xe2\x80\x9cPromotional Offer\xe2\x80\x9d). You understand and agree that we may decide which Balance Category applies to any Account transaction and\nour decision is final. You and any Authorized User may use the Account and Cards for Purchases, Cash Advances, Balance Transfers,\nand Promotional Offers, subject to the terms and conditions of this Agreement and applicable law.\n\n\x0cYou agree to sign the Card immediately after you receive it. The Card is valid through the expiration date shown on the Card itself.\nThe Card is our property and you must return it to us or destroy it if we ask. You agree to take reasonable steps to prevent\nunauthorized use of your Card and Account. If a personal identification number (\xe2\x80\x9cPIN\xe2\x80\x9d) is assigned to a Card for use with certain\ntransactions, such as the Cash Advances you may obtain from an automated teller machine (\xe2\x80\x9cATM\xe2\x80\x9d), keep the PIN secure and do not\nwrite it down, give it to someone else or keep it with your Card. If you allow someone else to use your Card, you are responsible for\nall Account transactions made by that person and all of the associated Fees and Interest Charges, except to the extent prohibited by\nlaw.\nAt any time and without advance notice, we reserve the right to not allow specific Account transactions, to suspend Account use, or\nto close the Account for our legitimate business and risk management reasons, unless applicable law expressly requires us to notify\nyou and wait any period of time before taking these actions. We may also limit the combined dollar amount or the total number of\ncertain Account transactions, such as Cash Advances, allowed during a day or other specific time period. We may restrict Account\ntransactions and the availability of Account credit to protect you and us against potential fraud, unauthorized transactions, Account\nmisconduct or misuse, or for our risk management and business reasons. From time to time, Account services may be unavailable to\nyou and Authorized Users due to circumstances beyond our control, such as system failures, fires, floods, natural disasters or other\nunpredictable events. If any of these events happens, we will not be responsible or liable to you.\nYou agree not to use, try to use, or permit use of a Card or the Account for any Internet gambling transactions or any other\ntransactions that are illegal or not permitted by us. If this happens, you must still pay us for these transactions and they remain\nsubject to all other Agreement terms. You must reimburse us and the Payment Card Network for all damages and expenses\nassociated with these transactions. You may not use the Account to conduct transactions in any country or territory or with any\nindividual or entity that is the subject of economic sanctions that are enforced and administered by the Office of Foreign Assets\nControl (\xe2\x80\x9cOFAC\xe2\x80\x9d) in the U.S. Department of the Treasury. We may block use of the Card and Account in these countries and\nterritories or with these individuals or entities.\n4.\n\nBalance Transfers\n\nWe may allow you to transfer certain balances to the Account that you owe other creditors or financial institutions, subject to any\nminimum Balance Transfer amount we disclose and any credit limit we allow for Balance Transfers. You may not ask us to process a\nBalance Transfer for any amount you already owe to us, unless we give you our express permission to do so. All Balance Transfers are\nsubject to our approval. We will not process a Balance Transfer request we consider incomplete or illegible. You may use only the\ndevices and methods we have approved for Balance Transfers. If we do not approve the full amount of any Balance Transfer you\nrequest, we may process part of the amount you request as a Balance Transfer or decline the entire request. We are not liable to\nyou if we do not process part or all of any Balance Transfer you request. We may make Balance Transfers in any order we choose.\nYou agree not to request a Balance Transfer for any amount that is or may be the subject of any dispute between you and any other\ncreditor or financial institution. If you do, you understand this may prevent you from exercising your dispute rights against other\ncreditors and financial institutions. We are not liable to you for disputes you may have with other creditors and financial institutions.\nIf you request a Balance Transfer, you must monitor your other accounts and continue making the minimum payments due on these\naccounts until your other creditor or financial institution provides an account statement showing the balance of your other account\nhas been paid. This may not happen until after the Balance Transfer appears on a Statement from us. You are liable for any late\npayments, finance charges or disputed amounts on your other accounts. If you want your other accounts closed following a balance\ntransfer, you must instruct your other creditor or financial institution to do so. We will not do this for you.\n5.\n\nCredit Limits\n\nWe will disclose information about the credit limits that apply to your Account when we open it. Your Statements will also disclose\ninformation about your Account credit limit. We may assign different credit limits for the different Balance Categories of your\nAccount. For example, the credit limit we assign for Cash Advances, Balance Transfers, or Promotional Offers may be lower than\nyour credit limit for Purchases or the overall credit limit of your Account. We may raise, lower, restrict, or cancel the credit limit that\napplies to any Balance Category or the Account itself at any time and for any reason, subject to any notices that are required by\nlaw. This will not affect your obligation to pay us. You must keep track of your Account balances and available credit. You agree not\nto allow your Account to go over any credit limit. We may honor transactions above your credit limits, but, if we do, this will not\nincrease your credit limit and you must pay us the full amount of these transactions and all associated Interest Charges and Fees.\n\n\x0c6.\n\nAuthorized Users\n\nWe may limit an Authorized User\xe2\x80\x99s ability to initiate certain Account transactions. If we do, we will tell you about these limitations\nbefore we add any new Authorized User on your Account. You are responsible for any use of a Card or the Account by each\nAuthorized User, as well as anyone else you or they allow using your Account or a Card. This will be true even if you did not want or\nagree to the use. If you want to remove an Authorized User from the Account, you must contact us at the customer service telephone\nnumber or address shown on your most recent Statement and request their removal. You agree that we have a reasonable\namount of time to research your Account information and remove an Authorized User. You must immediately destroy all\nCards in the Authorized User\xe2\x80\x99s possession and cancel all of their billing arrangements to the Account. We will not do this for you.\nDuring this time, you are still responsible for paying all amounts the Authorized User may charge to the Account, even if these\namounts do not appear on the Account until later. An Authorized User may remove themselves from the Account at any time upon\nrequest. We may close your existing Account, or issue a new Card with a new Account number, after an Authorized User is removed.\n7.\n\nYour Promises to Us\n\nYou promise to do everything the Agreement requires of you so long as your Account has an unpaid balance, remains open to future\ntransactions, or both. Each of you and all of you promise, individually and together, to pay us all amounts due on your Account, now\nand in the future. This promise applies any time the Account is used by any of you or any Authorized User. This promise includes\namounts where you or any Authorized User use the Account or a Card for a transaction with a merchant or financial institution but\nare not required to sign a purchase slip or other transaction document. If you or an Authorized User use your Card number without\npresenting the Card itself (such as for mail, telephone or Internet purchases), these transactions will be treated as if you or the\nAuthorized User used the Card in person. The amounts you promise to pay in connection with your Account includes all Account\ntransactions in each Balance Category made by any of you and any Authorized User, plus all Fees and all Interest Charges as described\nand required by the Agreement.\n8.\n\nStatements and Billing Cycles\n\nThe \xe2\x80\x9cBilling Cycle\xe2\x80\x9d is the period of time covered by each Statement we send for the Account. The documents or information that\nyour Statement contains after a Billing Cycle will disclose important Account information, including Account transactions in each\nBalance Category, Account payments, Fees, Interest Charges, unpaid Account balances, and payment requirements. The amount of\ntime between your regular Statements is generally equal (approximately 30 days), but may vary slightly in length from Billing Cycle\nto Billing Cycle. Your first Billing Cycle may be more or less than 30 days. You must pay any Minimum Interest Charge and any Fees\ndue after your first Billing Cycle, even if it is for a period less than 30 days. Your Statements disclose the length of each Billing Cycle.\nYour Account will continue to have Billing Cycles, even if we do not need to send a Statement after any Billing Cycle. We will send a\nsingle Statement to one of you for all Cards on your Account, except when the law does not require or permit us to send a\nStatement to any of you. You agree we may send Statements to the first one of you named in our Account records, unless we agree\nor decide to change this after the Account is opened.\n9.\n\nDisputed Transactions; Lost or Stolen Cards; Unauthorized Use\n\nYou should promptly inspect each Statement you receive and tell us about any errors or questions you have, as described in the\n\xe2\x80\x9cBilling Rights\xe2\x80\x9d section of your Statement and this Agreement. If you do not notify us as provided in these disclosures, you agree we\nmay assume all information in the Statement is correct. You must take reasonable steps to prevent the unauthorized use of your\nCard and Account. If you notice the loss or theft of your Card, or a possible unauthorized use of your Card, you should write to us\nimmediately at the address provided on your most recent Statement or call us at the telephone number provided on your\nStatement. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for\nunauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50 (or any lesser amount required\nby law or as provided under the express terms of a benefit provided by a Payment Card Network). If we reimburse your Account for\nunauthorized charges made with a Card, you agree to provide reasonable cooperation and assistance to us in investigating and\nseeking reimbursement from the wrongdoer. Your help includes giving us documents that we reasonably request and in a form\nacceptable to us.\n10.\n\nInterest Charges\n\nWe will charge Interest Charges to your Account as described in the Agreement, including your Account Opening Disclosures and\nStatements. The Account Opening Disclosures provide important information about the Interest Charges that apply to your Account.\nYour Account Opening Disclosures describe your Minimum Interest Charges, the Annual Percentage Rates (\xe2\x80\x9cAPR\xe2\x80\x9d) and\n\n\x0ccorresponding Daily Periodic Rates for each Balance Category, the APRs that may vary from Billing Cycle to Billing Cycle based on\nchanges to a published index rate and how we determine any variable APRs. If you are required to pay Interest Charges for any\nBilling Cycle, your Minimum Interest Charge will be no less than $2.00.\nWe calculate the Interest Charges on your Account by applying a Daily Periodic Rate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of each Balance\nCategory in your Account (Purchases, Cash Advances and Balance Transfers, some of which may be Promotional Offers). We multiply\nthe results for each Balance Category by the number of days in the Billing Cycle. This gives us the total Interest Charges for that\nBilling Cycle. The \xe2\x80\x9cDaily Periodic Rate\xe2\x80\x9d is a daily interest rate based on the APR divided by 365 (or, in a leap year, divided by 366).\nWe calculate the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d for each Balance Category. To do this, we start with the beginning amount of the Balance\nCategory each day, add any new Account transactions and debit adjustments to the appropriate Balance Category, and subtract any\nunpaid Interest Charges, unpaid Fees, payments and credits. This gives us the \xe2\x80\x9cDaily Balance\xe2\x80\x9d for each Balance Category. We\ncalculate the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d for each Balance Category by adding all the Daily Balances for each day in the Billing Cycle, and\nthen dividing by the total number of days in the Billing Cycle. This gives us the Average Daily Balance for each Balance Category\n(including current transactions).\nIf you pay the New Balance in full after each Billing Cycle by the due date shown on the Statement for that Billing Cycle (or if the\nPrevious Balance shown on the Statement was a zero or credit amount), we will not make you pay Interest Charges on new Purchases\nmade during the Billing Cycle shown on that Statement. This is called a grace period. If you do not take advantage of the\ngrace period, Interest Charges will start on the day the Purchase posts to your Account and is included in the Daily Balance of\nPurchase transactions. This means you may owe Interest Charges even if you pay the entire New Balance one month, but did not do\nso for the previous month. You must pay Interest Charges on Cash Advances and on Balance Transfers from the date you obtain them,\nbecause there is no grace period for Cash Advances or Balance Transfers. You must pay Interest Charges on Promotional Offers\nfrom the date we disclose when we make the Promotional Offer. We may describe these Promotional Offers in your Account Opening\nDisclosures and other written materials we provide when opening your Account. After opening your Account, we will describe\nthese Promotional Offers in your Statement or other promotional materials we may provide from time to time. You must\npay Interest Charges on each unpaid amount until it is paid in full. Interest Charges are added to the proper Balance Category of your\nAccount.\n11.\n\nFees\n\nYou agree to pay the following Fees we charge to your Account, in the amounts shown on your Account Opening Disclosures or this\nsection of the Agreement.\nBalance Transfer Fee: None\nCash Advance Fee: Each time you obtain a Cash Advance, we will charge a Cash Advance Fee that is either $10.00 or 3% of the\namount of the Cash Advance, whichever is greater.\nForeign Transaction Fee: Each time you make a Purchase or obtain a Cash Advance in a currency other than U.S. dollars or in a\ncountry outside the United States, we will charge a Foreign Transaction Fee that 2% of the amount of the Purchase or Cash Advance.\nLate Payment Fee: If you do not pay at least the Minimum Payment by its due date, we will charge a Late Payment Fee of $27.00.\nReturned Payment Fee: If any form of Account payment we receive is not paid for any reason by your depository institution or\nfinancial services provider, we will charge a Returned Payment Fee of $27.00 to your Account. We may charge this Returned\nPayment Fee if an Account payment we receive is initially returned unpaid by your depository institution or financial services\nprovider, even if that institution or provider later allows this payment.\nReturned Convenience Check Fee: If you authorize or request a Cash Advance from the Account by convenience check, and the\nCash Advance is not made because your Account is closed, suspended, overlimit or would become overlimit if we made the Cash\nAdvance, we will charge a Returned Convenience Check Fee of $27.00 to your Account.\n\n\x0cOn-Demand Electronic Payment Fee: If you ask us to assist you in making an expedited Account payment by electronic means\nduring a live telephone conversation or live interaction with our customer service representatives, we will charge an On-Demand\nElectronic Payment Fee of $10.00 to your Account.\nRush Card Fee: If you ask us to expedite our delivery of a Card when we open your Account or at any time after that, we will charge\na Rush Card Fee of $65.00 to your Account.\nStatement Copy Fee: We may charge a Statement Copy Fee of $5.00 to your Account for each copy of a Statement you request,\nunless it is required to resolve a billing dispute.\nTransaction Retrieval Request Fee: We may charge a Transaction Retrieval Request Fee of $10.00 to your Account for each copy of\na transaction document that you request, unless it is required to resolve a billing dispute.\n12.\n\nTransactions Made in Foreign Currencies\n\nIf an Account transaction is in a foreign currency, the Payment Card Network (such as Visa U.S.A. Inc. or MasterCard International)\nwill convert the transaction into U.S. dollars. The Payment Card Network will use its own currency conversion procedures that are in\neffect when the Payment Card Network processes the transaction. The exchange rate used by the Payment Card Network may be a\ngovernment-mandated exchange rate or may be based on a range of rates available in the wholesale currency markets as of the\nprocessing date. The conversion rate in effect on the processing date may be different than the rate in effect on the transaction or\nposting date.\n13.\n\nMinimum Payments\n\nAs of the last day of each Billing Cycle, we will determine the Minimum Payment due for your Account and disclose it on your\nStatement for that Billing Cycle. The Minimum Payment you must pay by the due date after each Billing Cycle will include all past due\nand overlimit amounts for your Account, plus the greater of: (a) $25.00 or any lesser amount that would pay the New Balance in\nfull; or (b) 3.0% of the New Balance. We may round the Minimum Payment up to the nearest whole dollar amount. We may also\nrequire you to make immediate payment of your entire New Balance if an event of default occurs as described in the Agreement. To\navoid a Late Payment Fee, you must pay us at least this Minimum Payment by the due date shown on the Statement. In addition to\nthe Minimum Payment, you may pay all or part of the total balance of your Account at any time. You must still pay at least the\nMinimum Payment after each Billing Cycle, even if you paid more than the Minimum Payment due for any previous Billing Cycle.\n14.\n\nMaking Payments\n\nYour payments to us must be in U.S. dollars from a U.S. deposit account and must otherwise be acceptable to us. We do not accept\nand you may not send cash payments through the mail. You may not make Account payments with funds borrowed from your\nAccount or any other credit account with us. You agree to follow the payment requirements we disclose on Statements from time to\ntime. Any in-person payment we accept from you at our branch office before its closing time will be credited to your Account on the\nday we receive it. Mailed payments must be mailed to us at the address for payments shown on your Statement, unless we expressly\ninstruct you to make payments at a different address. A mailed payment will be credited to your Account on the day we receive it, if\nyou send the payment coupon from your Statement in the same envelope with your payment or you include your Account number on\nyour payment, and your payment arrives at the address we specify no later than the due date indicated on your Statement. If\nyour due date falls on a day when we do not receive payments, any payment we receive the next day that conforms to these payment\nrequirements will not be treated as late. Please allow at least five (5) days for postal delivery. Unless we, or our agents\nspecifically instruct you to make payment in a different manner, payments received at any other location or in any other form may\nnot be credited for up to five (5) days. This may cause you to be charged Late Payment Fees and additional Interest Charges. We may\nrefuse to accept any payment made by someone else for your Account. If we accept a payment made by someone else for your\nAccount, you will be responsible for the payment made, even if that payment is rejected or not paid.\n15.\n\nHow We Apply Your Payments\n\nWe apply your payment of a Minimum Payment to the Balance Categories with lower Annual Percentage Rates before the Balance\nCategories with higher Annual Percentage Rates. We apply any portion of a payment that exceeds your Minimum Payment to the\nBalance Categories with higher Annual Percentage Rates before the Balance Categories with lower Annual Percentage Rates, except\nas otherwise required by law.\n\n\x0c16.\n\nPayment Processing; Items with Restrictive Conditions or Instructions\n\nWe may accept and process payments without losing any of our rights. Even if we apply a payment to your Account, we may delay\nthe availability of credit in your Account until we confirm your payment has cleared. We may resubmit and electronically collect\nreturned payments. We may also adjust your Account as necessary to correct errors, to process returned and reversed payments,\nand to handle similar issues.\nAn \xe2\x80\x9cItem\xe2\x80\x9d means a check, draft, money order or other negotiable instrument you use to pay your Account. This includes any image of\nthese instruments. When you provide an Item as payment, you authorize us either to use information from your Item to make a onetime electronic fund transfer from your deposit account or to process the payment as a check transaction. When we use information\nfrom your Item to make an electronic funds transfer, funds may be withdrawn from your deposit account as soon as the same day\nyour payment is received and you will not receive your Item back from your financial institution. You may contact us and ask that we\nnot process your future Items in this way. If we process the payment as a check transaction, you understand and agree that we may\nconvert your Item into an electronic image that can be collected from your depository institution as a substitute check. We will not\nbe responsible if an Item you provide has physical features that, when imaged, result in it not being processed as you intended.\nAny Item that has restrictive words, conditions, limitations or special instructions (including Items marked with the words \xe2\x80\x9cPaid in\nFull\xe2\x80\x9d or similar language), and all accompanying communications must be mailed to us at Village Bank, Attn: Village Customer\nCare, 1793 South Creek One, Powhatan VA 23139. If you make your payment or send any accompanying communications to any\nother address, we may accept and process the payment, without losing any of our rights.\n17.\n\nCredit Balances\n\nWe may reject and return to you any payment that creates a credit balance on your Account. Any credit balance we allow will not be\navailable until we confirm that your payment has cleared. If we allow a credit balance after receiving a payment that exceeds the\nNew Balance, this will not increase the credit limit of your Account and we will have no duty to authorize Account transactions that\nwould exceed your Account\xe2\x80\x99s credit limit. We may, at our option, reduce the amount of any credit balance by any new amounts billed\nto your Account. You may contact us as provided on your Statement and request a refund of any available credit balance. If\nyou contact us in writing, we will refund your credit balance within seven (7) business days from our receipt of your written request. A\nbusiness day means any day in which our offices are open for the processing of Account payments and credits.\n18.\n\nAccount Default and Remedies\n\nWe may consider you in default of your Agreement with us if:\n(A) you do not make at least the Minimum Payment due after a Billing Cycle by its due date;\n(B) any payment you make or attempt is rejected, not paid or cannot be processed;\n(C) you exceed an assigned credit limit;\n(D) a bankruptcy or other insolvency proceeding is filed by or against you;\n(E) you die or are legally declared incompetent or incapacitated;\n(F) we determine that you made a false, incomplete or misleading statement on any of your Account documentation, or\nyou otherwise tried to defraud us;\n(G) you do not comply with any term of this Agreement; or\n(H) you permanently reside outside the United States.\nPaying the Interest Charges and Fees charged in connection with a default will not, by itself, cure the default. Unless the law requires\nus to notify you and wait before we may take action, you understand and agree that we may, after any event of default and\nwithout advance notice to you, take any one or more of the following actions:\n(i)\n\nclose or suspend your Account;\n\n(ii) lower your credit limits;\n\n\x0c(iii) increase your Minimum Payment;\n(iv) demand that you immediately pay the entire balance owing on your Account;\n(v) continue to charge you Interest Charges and Fees as long as your balances remain outstanding; and/or\n(vi) exercise any rights and remedies the law allows to creditors following a default, which includes the filing of a lawsuit\nagainst you.\nYou agree to pay us all of our collection expenses to the extent permitted by applicable law, including but not limited to reasonable\nattorney\xe2\x80\x99s fees that we incur after referring your Account to an attorney who is not our salaried employee.\n19.\n\nYour Consent for Communications\n\nBy providing the number of your telephone land line, mobile phone or other wireless device and your email address, you authorize us\nto call you, using an automatic telephone dialing system or otherwise, leave a voice, prerecorded or artificial voice message for\nyou, or send a text, email or other electronic message to you, for any purpose related to the servicing and collection of the Account or\nfor other informational purposes relating to your Account and other accounts with Village Bank (each, a \xe2\x80\x9cCommunication\xe2\x80\x9d). You agree\nthat we may call or text you at any telephone number associated with the Account or other Village Bank accounts, including\nmobile telephone numbers, and many send an email to any email address associated with the Account or other Village Bank accounts\nthat you provide now or in the future. You also agree that we may include your personal information in a Communication.\nYou understand that we will not charge you for a Communication, but your service provider may. You also understand and agree that\nwe may always communicate with you in any manner permitted by law that does not require your prior consent. You agree that\nwe may monitor and record telephone calls with you to assure service quality or for other legitimate business reasons.\n20.\n\nCredit Reports\n\nWe may provide information about you and the Account to consumer credit reporting agencies. We may also provide information\nabout you and the Account to others as described in our privacy notices. Information we provide about the Account may appear on\ncredit reports about you and Authorized Users. This could include negative information, if you do not comply with the terms of this\nAgreement. We may obtain and use credit and income information about you from consumer credit reporting agencies and others,\nas the law allows.\nIf you believe we have reported inaccurate information about you to a credit reporting agency, notify us in writing at: Village\nBank, Attn: Village Customer Care, 1793 South Creek One, Powhatan VA 23139. In doing so, identify yourself, your Account, the\ninformation you believe is inaccurate, and tell us why you believe the information is incorrect. If you have supporting documents or\ninformation, such as a copy of a credit report that includes information you believe is inaccurate, please send the supporting\ndocuments and information too.\n21.\n\nClosing or Suspending Your Account\n\nYou may ask us to close your Account by calling or writing us at the address for customer service as described on your Statement. If\nyou do, we may provide you with additional details about this process and request certain information from you, including payment\ninformation. If a Card is used or charges post to your Account after you ask us to close it, we may keep your Account open or reopen\nit. We may close or suspend your Account and your right to obtain credit from us. We may do this at any time and for any reason, as\npermitted by law, even if you are not in default. A suspension of your Account might be permanent or temporary. If your Account is\nclosed or suspended for any reason, you and all Authorized users must stop using your Card immediately. You must also cancel all\nrecurring charges or similar billing arrangements connected with the Account. We will not do this for you. If we close or permanently\nsuspend your Account, you must also destroy all Cards. You must still pay us all amounts you owe on the Account, even if these\namounts are charged after your Account is closed or suspended.\n22.\n\nChanges to Your Agreement\n\nYou may not change the Agreement unless one of our authorized officers expressly agrees to do so in a signed writing. We may, at\nany time, add, delete or change any term of this Agreement, unless the law prohibits us from doing so. We will give you any notice\nand wait any time period that the law requires before changing the Agreement and Account terms. If we notify you of changes, we\nwill send you a separate notice or inform you on your Statement. We may send this notice to you electronically, as permitted by law.\nOur notice will tell you when and how the changes will take effect and describe any rights you have in connection with the changes.\n\n\x0cYou understand that any variable APRs associated with your Account can increase or decrease in each Billing Cycle, as the published\nindex for these rates goes up or down. If we increase your Interest Charges for any other reason, we will notify you in advance and\ninform you of your options, including any right to reject these changes. If we increase your Fees or change other significant Account\nterms, we will also notify you in writing and inform you of your options, including any right to reject these changes. After the first\nyear of the Account, we may increase your Fees and the Interest Charges for new Account transactions. We may change any other\nterms of your Account at any time, after we give you any notice and wait any time period required by law.\n23.\n\nThe Law that Applies to Your Agreement; Statute of Limitations\n\nWe make decisions to grant credit, open Accounts, and issue Cards from our offices in Virginia. The interpretation and enforcement\nof this Agreement (including the exportation of interest) shall be governed by federal law and by Virginia law, without regard to\nconflict of law principles. If any part of this Agreement is found to be unenforceable or invalid, the remaining parts will remain in\neffect. You waive any applicable statute of limitations, to the extent allowed by law. If the law does not allow the waiver of any\napplicable statute of limitations, you agree that the statute of limitations period for all purposes of this Agreement (including the\nright to collect debt) will be the longer of the limitation period provided under Virginia law or the limitation period under the law of\nthe jurisdiction where you live.\n24.\n\nWaiver\n\nWe will not lose any of our rights if we delay taking any action for any reason or if we do not notify you. For example, we may waive\nyour Interest Charges or Fees without notifying you and without losing our right to charge them in the future. We may always\nenforce our rights later and may take other actions not listed in this Agreement if the law allows them. You do not have to receive\nnotice from us of any waiver, delay, demand or dishonor. We may proceed against you before proceeding against someone else.\n25.\n\nAssignment\n\nThis Agreement will be binding on, and benefit, any of your and our successors and assigns. You may not transfer your Account or\nyour Agreement to someone else without our written permission. We may transfer your Account, our rights and responsibilities\nunder this Agreement, and/or the unpaid balances of your Account to another company or person at any time, without your\npermission and without advance notice to you. If this happens, any such company or person will take our place under this\nAgreement. You must pay them and perform all of your obligations to them and not us. If you pay us after you are informed or learn\nthat we have transferred your Account or this Agreement, we can handle your payment in any way we think is reasonable. This\nincludes returning the payment to you or forwarding the payment to the other company or person.\n26.\n\nWarranties; Merchant Refunds\n\nWe make no warranties to you about any goods or services you may purchase from others using your Account or Card. Except as\notherwise provided in the \xe2\x80\x9cBilling Rights\xe2\x80\x9d section below, we are not responsible to you for any claim you may have related to the\ngoods or services you purchase with a Card. If you are entitled to a refund for goods and services you purchased with a Card, you\nagree we may process these refunds as credits to the Balance Category for Purchases. You understand and agree that we have no\ncontrol over when a merchant initiates a refund. You agree that we have a reasonable amount of time after we receive your refund\nto process it.\n27.\n\nMilitary Lending Act\n\nCertain members of the Armed Forces and their dependents (\xe2\x80\x9cCovered Borrowers\xe2\x80\x9d) are protected by the Military Lending Act, 10\nU.S.C. \xc2\xa7987, and its implementing regulations, 32 C.F.R. Part 232 (\xe2\x80\x9cMLA\xe2\x80\x9d). This section applies to only to Covered Borrowers. If you\nwant more information about whether this section applies to you, please contact us at (866) 806-9304.\nStatement of MAPR: Federal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an Annual Percentage Rate of 36%. This rate must include, as applicable to the credit transaction or account: (1) the\ncosts associated with credit insurance premiums; (2) fees for ancillary products sold in connection with the credit transaction; (3)\nany application fee charge (other than certain application fees for specified credit transactions or accounts); and (4) any participation\nfee charged (other than certain participation fees for a credit card account).\n\n\x0cOral Disclosures: To hear important MLA disclosures and payment information provided in this Agreement, please call (866) 8069304.\nCovered Borrower. If you are a Covered Borrower as defined by the MLA, any waiver of your right to legal recourse under any state\nor federal law, and any other provision in this Agreement that is unenforceable against you under the MLA, does not apply to you.\n28.\n\nYour Billing Rights: Keep This Document for Future Use\n\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 provided on your billing statement.\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\nAccount information: Your name and account number.\n\n\xe2\x80\xa2\n\nDollar amount: The dollar amount of the suspected error.\n\n\xe2\x80\xa2 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\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\n\n\xe2\x80\xa2 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. You may call us, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\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\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\n\n\xe2\x80\xa2\n\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\n\xe2\x80\xa2\n\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\n\xe2\x80\xa2\n\nWe can apply any unpaid amount against your credit limit.\n\nAfter 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 or other fees related to that\namount.\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\nand fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe.\n\n\x0cIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to\npay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the\nname of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been\nsettled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $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 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.\n\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address provided on\nyour billing statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell\nyou our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nPLATINUM MASTERCARD/PLATINUM REWARDS\nMASTERCARD\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Extra Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to each\napplicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You authorize to\nuse, access or service the Account. "Card" means the Mastercard credit card and any other access devices, duplicates,\nrenewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by this\nAgreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\n\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n02113173-MXC30-P-1-040417 (MXC301-E)\n\n\x0cThe Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on new purchases and balance\ntransfers on the first day of the following billing cycle. We will begin charging You interest on cash advances on the date of\nthe transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later\n(transaction date). However, We will not charge You any interest on new purchases or balance transfers if You paid the\nentire new balance on the previous cycle\xe2\x80\x99s billing statement by the Payment Due Date of that statement. To avoid an\nadditional finance charge on the balance of purchases or balance transfers, You must pay the entire new balance on the\nbilling statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type (excluding new purchases), and\nsubtract any unpaid interest or other finance charges and any applicable payments or credits. This gives Us the daily\nbalance for each Transaction Type. Then, for each Transaction Type, We add up all the daily balances for the billing cycle\nand divide each total by the number of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each\nTransaction Type.\n5. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Mastercard from a range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the rate Mastercard itself receives or the governmentmandated rate in effect for the applicable central processing date. The exchange rate used on the processing date may\ndiffer from the rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash\nadvances and credits to Your Account. A foreign transaction is any transaction that You complete or a merchant\ncompletes on Your Card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S.\nembassies or U.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n8. PREAUTHORIZED CHARGES \xe2\x80\x94 If You default, if the Card is lost or stolen, or We change the Account for any\nreason, We may suspend automatic charges with third party vendors. If preauthorized charges are suspended, You are\nresponsible for making direct payment for such charges until You contact the third party to reinstate the automatic\ncharges.\n9. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nPage 2 of 5\n02113173-MXC30-P-1-040417 (MXC301-E)\n\n\x0cIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n10. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at 6611 Chicago Road,\nWarren, MI, 48092 or call Us at 877-638-7628, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. However, if You exercise reasonable care in safeguarding Your\nCard from risk of loss or theft and, upon discovering the loss or theft promptly report the loss or theft to Us, You will not be\nliable for any unauthorized transactions. In any case, Your liability for unauthorized transactions will not exceed $50.\n11. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n12. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n13. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n14. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n15. 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.\n16. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n17. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\nPage 3 of 5\n02113173-MXC30-P-1-040417 (MXC301-E)\n\n\x0c18. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nMichigan.\n19. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n20. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n21. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n22. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n23. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n24. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n25. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n26. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n27. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n28. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n29. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n30. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n31. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 4 of 5\n02113173-MXC30-P-1-040417 (MXC301-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 5 of 5\n02113173-MXC30-P-1-040417 (MXC301-E)\n\n\x0c'


b'Close\n\nSubmit\n\nAPPLICATION AND\nSOLICITATION\nDISCLOSURE\n\nPlatinum Mastercard/Platinum Rewards Mastercard\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nPlatinum Mastercard\n9.95%\n11.95%\n\n,\n\n,\n\n13.95%\n\n,\n\n15.95%\n\nor\n\n17.95%,\n\nbased on your creditworthiness.\nPlatinum Rewards Mastercard\n11.95%\n13.95%\n15.95%\n\n,\n\n,\n\nor\n\n17.95%, when you\nopen your account, based on your creditworthiness. This APR will vary with\nthe market based on the Prime Rate.\n\nAPR for Balance Transfers\n\nAPR for Cash Advances\n\nPlatinum Mastercard\n9.95% , 11.95%, 13.95%, 15.95% or 17.95%, based on your\ncreditworthiness.\nPlatinum Rewards Mastercard\n11.95% , 13.95%, 15.95% or 17.95% , when you open your account, based\non your creditworthiness. This APR will vary with the market based on the\nPrime Rate.\nPlatinum Mastercard\n9.95% , 11.95% , 13.95%, 15.95% or 17.95%, based on your\ncreditworthiness.\nPlatinum Rewards Mastercard\n11.95% , 13.95%, 15.95% or 17.95%, when you open your account, based\non your creditworthiness. This APR will vary with the market based on the\nPrime Rate.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\n1.00% of each transaction in U.S. dollars\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash\nadvances)."\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: 03/01/17\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02113173-MXC10-P-1-040417 (MXC101-E)\n\n\x0cThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Platinum Mastercard and Platinum Rewards Mastercard are secured credit cards.\nCredit extended under this credit card account is secured by various personal property and money including, but\nnot limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral\nfor this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the\nCredit Union excluding shares in an Individual Retirement Account or in any other account that would lose\nspecial tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit\nUnion excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods\nwhen you are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are six or more days late in making a\npayment.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nRush Fee:\n$30.00.\n\nMastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02113173-MXC10-P-1-040417 (MXC101-E)\n\n\x0c'


b'9/9/2021\n\nVisa Agreement Disclosure Statement - Stanford Federal Credit Union\n\n\xef\x80\x82\n\nSearch \xe2\x80\xa6\n\n\xef\x83\x89\n\nCredit Cards\n\nVisa\xc2\xae Application and Solicitation\nDisclosure\nPlatinum Cash Back\n\nSecured Visa\n\nStanford Alumni Rewards\n\nStanford Athletics\xc2\xae Fan Rewards\n\nInterest Rate and Interest Charges\n\nAnnual Percentage Rate\n(APR) for Purchases\n\nPlatinum Cash Back Visa\n8.99% to 17.99%, when you open your account, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\nSecured Visa\n17.99%\nStanford Alumni Rewards Visa/Stanford Athletics\xc2\xae Fan Rewards Visa\n9.99% to 18.00%, when you open your account, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\nPlatinum Cash Back Visa\n1.99% Introductory APR for six months from account opening.\n\nAfter that, your APR will be 8.99% to 17.99%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\nSecured Visa\n17.99%\nStanford Alumni Rewards Visa/Stanford Athletics\xc2\xae Fan Rewards Visa\n1.99% Introductory APR for six months from account opening.\n\nAfter that, your APR will be 9.99% to 18.00%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nhttps://www.sfcu.org/personal/credit-cards/visa-agreement-disclosure-statement/\n\n1/4\n\n\x0c9/9/2021\n\nVisa Agreement Disclosure Statement - Stanford Federal Credit Union\n\nAPR for Cash Advances\n\nPlatinum Cash Back Visa\n8.99% to 17.99%, when you open your account, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\nSecured Visa\n17.99%\nStanford Alumni Rewards Visa/Stanford Athletics\xc2\xae Fan Rewards Visa\n9.99% to 18.00%, when you open your account, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying\nInterest on Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We do not\ncharge you interest on Purchases if you pay your entire balance by the due date\neach month. We will begin charging interest on Cash Advances and Balance\nTransfers on the transaction date. This excludes our Classic Secured Visa.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nAccount Description\n\nFee\n\nAnnual fees\n\nNone\n\nTransaction Fees\nBalance Transfer Fee\n\nNone\n\nCash Advance Fee\n\nNone\n\nForeign Transaction Fee\n\nNone\n\nPenalty Fees\nLate Payment Fee\n\nUp to $7.00\n\nReturned Convenience Check Fee\n\nUp to $25.00\n\nReturn Payment Fee\n\nUp to $20.00\n\nhttps://www.sfcu.org/personal/credit-cards/visa-agreement-disclosure-statement/\n\n2/4\n\n\x0c9/9/2021\n\nVisa Agreement Disclosure Statement - Stanford Federal Credit Union\n\nHow we will calculate your balance:\nWe use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\n\nPromotional Period for Introductory APR \xe2\x80\x93 Stanford Alumni Rewards Visa/Stanford Athletics\xc2\xae Fan Rewards Visa/Platinum Cash\nBack Visa:\nThe Introductory APR for balance transfers will apply to transactions posted to your account during the first 60 days following the opening of your account. Any\nexisting balances on Stanford Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.\n\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: 9/18/2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union at 888.723.7328.\n\nFor California Borrowers, the Secured Visa is a secured credit card. Credit extended under this credit card account is secured by various personal\nproperty and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as\ncollateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union\nexcluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law,\nand (d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge\nand agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by any\nspecific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account with the Credit Union. For\nclarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you\ncease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$7.00 or the amount of the required minimum payment, whichever is less, if you are five or more days late in making a payment.\n\nOver-the-Credit Limit Fee:\n$0.00.\nReturned Payment Fee:\n$20.00 or the amount of the required minimum payment, whichever is less.\nReturned Convenience Check Fee:\n$25.00 or the amount of the returned convenience check, whichever is less.\nDocument Copy Fee:\n$12.00.\nRush Fee:\n$45.00.\n\nCompany\n\nSelf-Service\n\nPersonal Banking\n\nOpen an Account\n\nBusiness Banking\n\nApply for a Loan\n\nRouting Number\n\nWealth Management\n\nApply for a Real Estate Loan\n\n321177722\n\nAbout Us\n\nTax Forms\n\n\xef\x8e\x9e\n\n\xef\x82\x99\n\n\xef\x83\xa1\n\n\xef\x85\xad\n\n\xef\x87\xa9\n\nhttps://www.sfcu.org/personal/credit-cards/visa-agreement-disclosure-statement/\n\n3/4\n\n\x0c9/9/2021\n\nVisa Agreement Disclosure Statement - Stanford Federal Credit Union\n\nContact Us\n\nOnline & Mobile Banking\n\nCareers\n\nWire Transfers\nWise\n\nResources\n\nVisit a Branch\n\nDeposit Rates\n\n\xef\x8f\x85\n\nLoan Rates\n\n\xef\xa1\xb9 888.723.7328\n\nATM & Branch Locator\n\nMortgage Rates\nService Fees\nSeminars and Events\nFinancial Calculators\nFinancial Education\nFinancial Tips\n\nSome links in this site may direct you outside of the Stanford Federal Credit Union\nwebsite. Stanford FCU is not responsible for the content displayed on these other\nwebsites. If you are using a screen reader and are having problems using this website,\nplease call 888.723.7328 for assistance.\n\nDisclosures\n\nHomeowner Hardship Assistance\n\nSecurity\n\nhttps://www.sfcu.org/personal/credit-cards/visa-agreement-disclosure-statement/\n\nPrivacy Policy\n\nFederally Insured by NCUA | Equal Housing Lender | NMLS\n#729643\n\n\xc2\xa9 2021 Stanford Federal Credit Union\n\n4/4\n\n\x0c'