b'advia\ncredit union\n\n550 S. Riverview Dr\nParchment, Ml 49004\n\nCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\n\nVISA\nVISA\n\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 "Agreement") govern the terms and conditions of this Account. "We," "Us," "Our\'\' and "Ours" and\n"Credit Union" refers to Advia Credit Union with which this Agreement is made. "You," "Your," and "Yours" 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 Visa\xc2\xae credit card and any other access devices, duplicates,\nrenewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means the line of\ncredit established by this Agreement 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 - 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 - 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. CONVENIENCE CHECKS - We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. 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. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\nIOANUMIR.\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n02113364\xc2\xb7MXC30\xc2\xb7P-1-080417 (MXC302-E)\n\n\x0caccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT - 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.\nThe Minimum Payment Due is 3.00% of Your total New Balance, or $10.00, 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$10.00, 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 ("APR") 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.\n5. INTEREST AND FINANCE CHARGES - We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing 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("Transaction Type"). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding "average daily balance." To get the "average daily balance" for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the "average daily balance" for each Transaction Type.\n6. FEES - 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.\n7. FOREIGN TRANSACTIONS - 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) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\nPage 2 of6\n\n02113364-MXC30-P-1-080417 (MXC302-E)\n\n\x0c8. AUTHORIZATIONS - 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.\n9. PREAUTHORIZED CHARGES - 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.\n10. DEFAULT -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.\nIf 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.\n11. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION - 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 550 S. Riverview Dr.,\nParchment, Ml, 49004 or call Us at (844) 238-4228, 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. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n12. CHANGING OR TERMINATING YOUR ACCOUNT-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.\n13. AUTHORIZED USERS - 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.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION -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.\nPage 3 of6\n02113364-MXC30-P-1-080417 (MXC302-E)\n\n\x0c15. JOINT ACCOUNTS - 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.\n16. EFFECT OF AGREEMENT - 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.\n17. SEVERABILITY AND FINAL EXPRESSION - 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.\n18. ILLEGAL TRANSACTIONS PROHIBITED - 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.\n19. APPLICABLE LAW - The terms and enforcement of this Agreement shall be governed by federal law and the law of\nMichigan.\n20. ENFORCING THIS AGREEMENT - We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n21. COLLECTION COSTS - If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\'s 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.\n22. ASSIGNMENT - We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. CALIFORNIA RESIDENTS - 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.\n24. FLORIDA RESIDENTS - 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.\n25. MARYLAND RESIDENTS - 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.\n26. MISSOURI RESIDENTS - 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.\n27. NEW YORK RESIDENTS - 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.\n28. OHIO RESIDENTS - 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.\n29. SOUTH DAKOTA RESIDENTS - If You believe there have been any improprieties in making this loan or in the\nlender\'s 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.\n30. WISCONSIN RESIDENTS - 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.\n31. NOTICE TO UTAH BORROWERS - 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.\n\nPage 4 of6\n\n02113364-MXC30-P-1-080417 (MXC302-E)\n\n\x0c32. THE FOLLOWING IS REQUIRED BY VERMONT LAW - NOTICE TO CO-SIGNER - 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 5 of6\n\n02113364-MXC30-P-1-080417 (MXC302-E)\n\n\x0c\x0cAPPLICATION AND\nSOLICITATION\nDISCLOSURE\n\nVisa Platinum Credit Card\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nPlatinum Variable\n\n8.25% to 16.25%, when you open your account, based on your\n\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nPlatinum Variable with Advantage Points\n\n10.25% to 18.00%\n\n, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nPlatinum Non-Variable\n\n8.90% to 16.90%, based on your creditworthiness.\n\nAPR for Balance Transfers\n\nPlatinum Variable\n0.00% to 9.99% Introductory APR, for qualifying members, for a period of\n18 billing cycles, based on your creditworthiness.\nAfter that, or if you do not qualify for an Introductory APR, your APR will be\n8.25% to 16.25%, based on your creditworthiness. This APR will vary with\nthe market based on the Prime Rate.\nPlatinum Variable with Advantage Points\n0.00% to 9.99% Introductory APR, for qualifying members, for a period of\n18 billing cycles, based on your creditworthiness.\nAfter that, or if you do not qualify for an Introductory APR, your APR will be\n10.25% to 18.00%, based on your creditworthiness. This APR will vary with\nthe market based on the Prime Rate.\nPlatinum Non-Variable\n0.00% to 9.99% Introductory APR, for qualifying members, for a period of\n18 billing cycles, based on your creditworthiness.\nAfter that, or if you do not qualify for an Introductory APR, your APR will be\n8.90% to 16.90%, based on your creditworthiness.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02113364-MXC10-P-1-121619 (MXC101-E)\n\n\x0cAPR for Cash Advances\n\nPlatinum Variable\n8.25% to 16.25%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nPlatinum Variable with Advantage Points\n10.25% to 18.00%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nHow to Avoid Paying Interest on\nPurchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nAnnual Fee\n- Annual Fee\n\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nPlatinum Non-Variable\n8.90% to 16.90%, based on your creditworthiness.\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.\nNone\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\nNone\n$10.00 or 3.00% of the amount of each balance transfer, whichever is\ngreater\nNone\n1.00% of each transaction in U.S. dollars\nUp to $35.00\nNone\nUp to $32.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR:\nThe Introductory APR for balance transfers will apply to transactions posted to your account from 02/01/2020 until\n09/30/2020.\n. 09/30/21 Any existing balances on Advia Credit Union loan or credit card accounts are not eligible for the Introductory\nAPR for balance transfers.\nLoss of Introductory APR:\nWe may end your Introductory APR for balance transfers and apply the Penalty APR if you are 60 days late in making a\npayment.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: April 1, 2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Platinum Variable, Platinum Variable with Advantage Points and Platinum NonVariable are secured credit cards. 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\nyou specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in\nany individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in\nany other account that would lose special tax treatment under state or federal law, and (d) collateral securing\nother loans you have with the Credit Union excluding dwellings. Notwithstanding the foregoing, you\nacknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act\nyour credit card will be secured by any specific Pledge of Shares you grant us but will not be secured by all\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02113364-MXC10-P-1-121619 (MXC101-E)\n\n\x0cshares you have in any individual or joint account with the Credit Union. For clarity, you will not be deemed a\ncovered 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$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a\npayment. In the event you fail to make a payment on time in any of the six billing cycles following the initial violation, you\nwill be charged $35.00 or the amount of the required minimum payment, whichever is less.\nBalance Transfer Fee (Finance Charge):\n$10.00 or 3.00% of the amount of each balance transfer, whichever is greater.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same\nor in any of the six billing cycles following the initial violation, you will be charged $32.00 or the amount of the required\nminimum payment, whichever is less.\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02113364-MXC10-P-1-121619 (MXC101-E)\n\n\x0c'


b'VISA DISCLOSURE AND CARDHOLDER AGREEMENT\n\nCredit Tier 3\n\nCredit Tier 2\n\nCredit Tier 1\n\nInterest Rates and Interest Charges\n\nAnnual Percentage Rate\n(APR) for purchases and\nbalance transfers\n\n10.99% Variable\n11.99% Variable\n14.49% Variable\n\n1\n\n9.99 % Variable\n10.99% Variable\n13.49% Variable\n1\n\n1\n\nRewards\n\n1\n\nCash\n\n7.99% Variable\n8.99% Variable Rewards\n12.49% Variable Cash\n1\n\n1\n\nRewards\n\n1\n\nCash\n\n1\n\n1\n\nBack\n\nBack\n\nBack\n\nYour APR will be based on your\ncreditworthiness. Your APR will vary with\nthe marked based on the Prime Rate.\n\nYour APR will be based on your\ncreditworthiness. Your APR will vary with\nthe marked based on the Prime Rate.\n\nYour APR will be based on your\ncreditworthiness. Your APR will vary with\nthe marked based on the Prime Rate.\n\nAnnual Percentage Rate\n(APR) for cash advances2\n\n17.9%\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 not charge you interest on new purchases if you pay your entire\nbalance by the due date each month. We will begin charging interest on Cash Advances and Balance Transfers on the transaction date.\n\nMinimum Interest Charge\n\nNone\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 website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\nNone\n\nBalance Transfer Fee\n\nNone\n\nLate Fee\n\nUp to $25.00\n\nForeign Transaction Fee\n\n1% of the transaction amount.\n\nOver Limit Fee\n\nNone\n\nHow we will calculate your balance: We will use a method called \xe2\x80\x9caverage daily balance (including new purchases)\xe2\x80\x9d.\nApplications are subject to credit approval. Your rate and credit limit will be determined by individual credit worthiness including income, debt ratio, employment and credit history. Must be\n18 years of age to qualify. Verification of income may be required.\nVariable Rate calculations: For Credit Tiers 3, 2, 1 respectively: Variable Visa prime plus 7.74%, 6.74%, or 4.74%; Variable Rewards prime plus 8.74%, 7.74%, or 5.74%; Variable Cash\nBack prime plus 11.24%, 10.24%, or 9.24%.\nMembership account required. Must have an open savings account that carries a $5.00 minimum balance.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your cardholder agreement.\nLoan/Card type replacement: At any time if you request we change your loan/card type, your updated interest rate will not apply to your balance until after the six-month promotional rate\nhas expired. Following the expiration of the six-month promotional rate period, your updated interest rate will apply to the full existing balance of any existing balance transfers and any\npurchases not paid in full by the applicable billing cycle.\nCard benefits: All card types receive Verified by Visa. Rewards cards may earn one reward point for every $1 spent. Cash Back cards may earn 1.5% on every purchase. See full program\nrules on https://www.macu.com/loans/credit-cards/visa-credit-cards/program-rules .\nVariable Rate Information: The Annual Percentage Rate may increase or decrease when the Prime Rate Index \xe2\x80\x9cPRI\xe2\x80\x9d increases or decreases. The Prime Rate Index is the highest prime\nrate published in the Wall Street Journal on the last business day of each month. If this index is no longer available, the credit union will choose a new index which is comparable to the\nindex described herein.\n1\n\n2\n\nApplies to new and existing cash advance balances.\n\nRev 06/23/2021 Federally insured by NCUA.\n\nPage 1 of 6\n\n\x0cVISA DISCLOSURE AND CARDHOLDER AGREEMENT\n\nThis agreement covers your VISA. In this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any user of the card or cards previously indicated. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and\n\xe2\x80\x9cus\xe2\x80\x9d mean Mountain America Federal Credit Union (MAFCU). You agree that if you sign, request, use or permit others to sign or use any of the cards\nissued by Mountain America Federal Credit Union that you have agreed to all of the following terms. \xe2\x80\x9cAPR\xe2\x80\x9d means Annual Percentage Rate. \xe2\x80\x9cAccount\xe2\x80\x9d\nmeans the relationship established between you and Mountain America Federal Credit Union. \xe2\x80\x9cCard\xe2\x80\x9d means VISA\xc2\xae Platinum Credit Card, or a VISA Debit\nCard or any other access devices we give you to access your account. \xe2\x80\x9cPRI\xe2\x80\x9d means Prime Rate Index.\nYou may use your account to buy goods and services any place your card is honored. You may also use your account to get a cash advance. You agree\nto all procedures required by us or any merchant which honors your card as well as all terms on your card. Any plural term used in this Agreement shall\nbe deemed singular if context and construction so require. Any singular term used in this Agreement shall be deemed plural if context and construction so\nrequire.\n1. CREDIT LIMIT. From time to time we may modify the maximum credit limit established for all extensions on your account. You agree to keep the total\nof purchases made on your account within that limit. We reserve the right to determine your credit and/or cash line and may increase, decrease, or restrict\nit at any time without notice.\n2. CARDHOLDER SIGNATURE. Your card is not valid unless it is signed. Sign the back of your card immediately upon its receipt.\n3. PAYMENTS. Payments will be credited the same day as received. In some cases, available credit may be delayed until the payment is verified. We will\naccept late or partial payments without forfeiting any of MAFCU\xe2\x80\x99s rights under this Agreement.\n4. FOREIGN TRANSACTION/INTERNATIONAL SERVICE ASSESSMENT FEE (ISA FEE). Non-U.S. dollar transactions made in foreign countries (a.k.a.\nmulti-currency transactions) or with merchants located, or processing transactions, in foreign countries (including online transactions, even if they are\ninitiated in the United States) will be billed to you in U.S. dollars. Conversion to U.S. dollars is determined by a rate selected by Visa from the range of\nrates available in wholesale currency markets for the applicable central processing date. This rate may vary from the rate Visa itself receives or the\ngovernment-mandated rate in effect for the applicable central processing date.\nUS dollar transactions made in foreign countries (a.k.a. single currency transactions) or with merchants located, or processing transactions, in foreign\ncountries (including online transactions, even if they are initiated in the United States) will be billed to you in US dollars.\nYou will be charged an ISA fee of 1% of the transaction amount for all card transactions made in or with merchants located, or processing transactions, in\nforeign countries (including online transactions, even if they are initiated in the United States). The ISA fee will appear as a separate line on your statement\nfor each applicable transaction.\nTransactions conducted in a U.S. Territory, on a U.S. military base, or within a U.S. Embassy or Consulate will not incur an ISA fee. Credit Vouchers (also\nknown as returns) and Cash Reversals are not subject to a foreign transaction fee or ISA fee.\n5. COMPUTATION OF THE PRIME RATE INDEX (PRI). The Annual Percentage Rate (APR) applied on your account is tied to the \xe2\x80\x9cPRI\xe2\x80\x9d. The \xe2\x80\x9cPRI\xe2\x80\x9d is\nthe highest prime rate published in the Wall Street Journal on the last business day of each month. If this index is no longer available, the credit union will\nchoose a new index which is comparable to the index described herein. The interest rates may change on the first of every month.\n6. PROMISE TO PAY. You promise to pay us all amounts borrowed by you, your co-applicant and/or authorized user under this Agreement, using your\ncredit card or any other access device provided, plus any finance charge or other amounts due both before and after judgment. You agree to pay us on\nor before the due date shown on your monthly statement. Each month we will send you a statement showing any purchases, balance transfers, advances,\nor credits made on your account during that billing cycle, your new balance, and the date it is due.\nVisa Credit: You may pay in full for all your purchases, balance transfers and advances each month or you may make the periodic minimum\npayment of 2.5% of the unpaid balance or $15.00, whichever is greater. Balances under $15.00 must be paid in full. You must pay the \xe2\x80\x9cMinimum\nPayment\xe2\x80\x9d due as shown on your statement, which shall include the minimum payment due on your new balance plus any amounts past due,\nplus any amount over your credit limit. If you exceed your credit limit, the excess will be shown on your statement as \xe2\x80\x9cAmount Over Credit Limit.\xe2\x80\x9d\nWhen you make a payment, generally, we first apply your minimum payment to all interest owed on your monthly statement. Any payment above\nyour minimum payment would generally then be applied to the balance on your monthly statement with the highest APR first. We apply payments\nto balances as they appear on your monthly statement before being applied to new transactions. If you do not pay your balance in full each\nmonth, you may not be able to avoid interest charges on new purchases.\n7. BALANCE DUE. If you miss a payment or if you break any other promise you have made under this Agreement, we may declare your entire balance\ndue and payable at once without notice or demand. We may also do this if you have made any misrepresentation in applying for credit or if anything\nhappens that indicates to us that you may be unable or unwilling to repay your loan.\n8. BALANCE COMPUTATION METHOD. Visa Credit Balance Computation Method: Average Daily Balance including New Purchases. The balance\nsubject to finance charge is identified on your monthly statement as \xe2\x80\x9cBalance Transfer Average Daily Balance,\xe2\x80\x9d \xe2\x80\x9cCash Advance Average Daily Balance\xe2\x80\x9d\nand \xe2\x80\x9cPurchases Average Daily Balance.\xe2\x80\x9d We figure the interest charge on your account by applying the periodic rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your\naccount. To get the Balance Transfer Average Daily Balance, we take the beginning balance of your account each day, add new balance transfers and\nother debits, and subtract payments or credits. To get the Cash Advance Average Daily Balance, we take the beginning balance of your account each\nday, add new advances and other debits, and subtract payments or credits. To get the Purchases Average Daily Balance, we take the beginning balance\neach day, add new purchases and other debits, and subtract payments or credits. This gives us the daily balance. Then we add up all the daily balances\nfor the billing cycle and divide the total by the number of days in the billing cycle. This gives us the \xe2\x80\x9cAverage Daily Balance.\xe2\x80\x9d\n\nRev 06/23/2021 Federally insured by NCUA.\n\nPage 2 of 6\n\n\x0cVISA DISCLOSURE AND CARDHOLDER AGREEMENT\n9. LIABILITY. If the card is issued to you and others on a joint application, each use of the card shall be an extension of credit to all and each of you shall\nbe jointly and severally liable. If you allow anyone else to use your card, you will be liable for all credit extended to him/her.\n10. USE OF CARD FOR ILLEGAL OR RISKY TRANSACTIONS. It is your responsibility to comply with all laws when using your MAFCU credit card. You\nagree to hold us harmless for any damages or other liability arising from a transaction initiated by you or your authorized user for the purpose of conducting\nan illegal activity. We reserve the right to decline authorization of transactions for activities we believe may violate law or pose significant risk to us or our\nmembers.\n11. LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write\nto us or call us immediately at the address or telephone number included in this agreement. You may also visit macu.com/contact-us. You will not be\nliable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your notice to us. In\nany case, your liability will not exceed $50.\na.\n\nDebit Card Program. Unless you have been grossly negligent or have engaged in fraud or illegal transactions, you will not be liable for any\nunauthorized transactions using your lost or stolen card, when used for point-of-sale transactions. Also, if your statement shows transfers that\nyou did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may be liable for $50 plus any\nmoney you lost after the 60 days.\n\n12. AUTHORIZED CARDHOLDERS. Mountain America may permit account holders to add Authorized Cardholders to an account upon request. The\naccount holder assumes any responsibility or liability for any transactions that the Authorized Cardholder may initiate. Authorized cardholders (including\nMyExpress) will be given a card associated with the account holder\xe2\x80\x99s account. The use of authorized cards may not be for payroll purposes. Authorized\ncardholders shall not be permitted to withdraw funds directly from the teller line. It is understood by the account holder that funds may be accessed by\nAuthorized Cardholders through use of the card; however, the funds will remain under the ownership of the share account holder.\n13. LOST/REPLACEMENT CARD. You agree to promptly notify us orally or in writing if your card or card number is lost or stolen. You may notify us of\nthe loss by sending a written notice or calling us at the address or telephone number listed on each billing statement. A $10 fee may be assessed for each\nreplacement card.\n14. LATE FEE. We may assess a late fee if your \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d is not made by the 10th day following your payment due date. This fee will be\n$15 on balances up to $999.99, $20 on balances of $1,000 up to $1,999.99, and $25 on balances of $2,000 and over.\n15. AUTOMATED TELLER MACHINE (ATM) FEE. A transaction fee may be assessed on your account when you use your card to access information or\nmake any transaction on your credit union account(s). This fee is in addition to any other surcharge or transaction fees initiated by the proprietary ATM\nowner.\n16. ANNUAL CARD FEE. No annual consumer card fee.\n17. OVER LIMIT CHARGE. No over limit charge.\n18. CASH ADVANCE FEE. No cash advance fee.\n19. COLLECTION COSTS. If we are forced to take collection action, you agree to pay all court costs and collection fees, including our reasonable attorney\xe2\x80\x99s\nfees and costs on appeal. If this account is assigned to an outside agency for collections, you agree to pay all attorneys\xe2\x80\x99 fees, court cost, and a collection\ncharge of 30% of the outstanding balance at the time it is sent to collections, which will be added to the outstanding balance of your account.\n20. CANCELLATION OF THIS AGREEMENT. You agree that the card(s) you have is our property and that we may terminate this Agreement if you break\nany of your promises or you are in default under this Agreement. The card(s) must be surrendered upon MAFCU\xe2\x80\x99s request or termination of this account.\n21. YOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE. This 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 the address in this agreement or visit macu.com/contact-us.\nIn your letter/correspondence, give us the following information:\n\xef\x82\xb7\nAccount information: Your name and account number.\n\xef\x82\xb7\nDollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7\nDescription of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xef\x82\xb7\nWithin 60 days after the error appeared on your statement.\n\xef\x82\xb7\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is in error.\nYou must notify us of any potential errors in writing or electronically. You may call us, but if you do, we are not required to investigate any potential errors\nand you may have to pay the amount in question. Notification must be submitted by either the member or a MAFCU service representative to further\ninvestigate a claim.\nWhat Will Happen After We Receive Your Letter/Correspondence\nWhen we receive your letter, we must do two things:\nRev 06/23/2021 Federally insured by NCUA.\n\nPage 3 of 6\n\n\x0cVISA DISCLOSURE AND CARDHOLDER AGREEMENT\n1.\n2.\n\nWithin 30 days of receiving your letter/correspondence, we must tell you that we received your letter/correspondence. We will also tell you if we\nhave already corrected the error.\nWithin 90 days of receiving your letter/correspondence, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x82\xb7\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xef\x82\xb7\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xef\x82\xb7\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xef\x82\xb7\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you\na statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think\nyou owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you\nas delinquent, as we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing or electronically at the address in this agreement or\nat macu.com/contact-us.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At\nthat point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n22. CHANGES IN THE AGREEMENT. By your signature on your card or the signature of any authorized user, you agree that we may change, according\nto law, the terms of this Agreement. These changes will apply to your new purchases, balance transfers and advances and to your outstanding balance.\nThese changes may include, but are not limited to, any change in finance charge. We will mail notice of such change to you at your address shown on\nour records.\nWe may make changes in this Agreement, but we will notify you of such changes. Unless you terminate your right to participate within 45 days after the\ndate of our notice by writing us at the address given in this disclosure, you agree to abide by this Agreement as changed.\n23. MOBILE CARD USE.\nPLEASE READ BELOW BEFORE ACTIVATING OR USING YOUR MOBILE CARD. BY ACTIVATING AND/OR USING YOUR MOBILE CARD, YOU\nACCEPT AND AGREE TO THE TERMS BELOW AND ARE BOUND TO THE TERMS OF USE.\na.\n\nIf you choose to use your card in conjunction with a mobile card application (\xe2\x80\x9cMobile Card Application\xe2\x80\x9d), including but not limited to, Apple Pay\napplication, Google Wallet application, or any other similar or competitive applications or mobile feature, you are solely responsible for the safety and\nprotection of all log-ins, passwords, or any other required element related to the use of such Mobile Card Applications. It is your responsibility to\ncontact MAFCU and notify us of any potential compromise. Any fee for creating or using your Mobile Card will be your responsibility, including fees\nfor data usage or text messaging imposed by your wireless carrier) and will be subject to any Third Party Agreement between the parties.\n\nb.\n\nIn addition to the terms herein, you may have entered into an agreement with the Mobile Card Application provider (such as Apple or Google), your\nwireless carrier, and/or other third parties, with their own terms and conditions and privacy policies (\xe2\x80\x9cThird Party Agreements\xe2\x80\x9d). Those Third Party\nAgreements are between you and the third party and do not concern your relationship with MAFCU. We strongly encourage you to read all such Third\nParty Agreements.\n\nc.\n\nIf additional verification is required to add your card to a digital wallet, we may need to ask for additional verification using text message or email. If\nyou choose text messages as your verification method, you consent to receive text messages at the mobile phone number you have on file with us\nfor this card. Text messages may be transmitted using auto-dialer technology. Your usual wireless carrier fees may apply. One message per user.\nMessage and Data Rates May Apply. HELP instructions: Text HELP to 91098. STOP instructions: Text STOP to 91098 to cancel.\n\nRev 06/23/2021 Federally insured by NCUA.\n\nPage 4 of 6\n\n\x0cVISA DISCLOSURE AND CARDHOLDER AGREEMENT\nd.\n\nPurchases or other transactions you make with any of your Mobile Cards are governed by the Visa Disclosure and Cardholder Agreement for the\ncard you used to create your Mobile Card. If a problem arises with the product or service you purchased through use of the Mobile Card, you first\nshould try to resolve the problem directly with the merchant, but you may also have rights under your Cardholder Agreement referenced above, or\notherwise under applicable law.\n\ne.\n\nMAFCU is not responsible for technical support or assistance for any third party hardware, software or other products or services (including any Apple\nPayment Service or your device). If you have any questions or issues with a third party product or service, including issues pertaining to the operation\nof your device, please contact the appropriate third party in accordance with that third party\'s procedures for customer support and assistance.\n\nf.\n\nWe reserve the right for any reason to discontinue offering or supporting any Mobile Card. Except as otherwise required by applicable law, we may\nblock, restrict, suspend or terminate your use of any Mobile Card at any time without notice and for any reason, including if you violate these Terms\nof Use or any of your MAFCU agreements, if we suspect fraudulent activity or as a result of the cancellation or suspension of your Mobile Card\naccount. You agree that we will not be liable to you or any third party for any block, suspension, cancellation or termination of your use of any Mobile\nCard.\n\ng.\n\nAs a condition to activating and using Mobile Cards, you consent to receive messages (i.e., SMS, MMS) from us. You also agree to receive\ncommunications from us by e-mail to the e-mail address on file for the relevant card account.\n\nh.\n\nA MOBILE CARD IS LICENSED, NOT SOLD, TO YOU FOR USE ONLY UNDER THE TERMS AND CONDITIONS OF THESE TERMS OF USE.\nMAFCU RESERVES ALL RIGHTS NOT EXPRESSLY GRANTED TO YOU. You are granted a non-exclusive, non-sublicensable, non-transferable,\npersonal, limited license to install and use the Mobile Card on your device solely in accordance with these Terms of Use. You agree that a Mobile\nCard may be automatically updated or upgraded without notice to you, at any time, at our sole discretion and without prior notice.\n\ni.\n\nDISCLAIMER OF WARRANTIES. USE OF A MOBILE CARD IS AT YOUR RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, ANY MOBILE\nCARD IS PROVIDED TO YOU "AS IS", AND MAFCU HEREBY DISCLAIMS ALL WARRANTIES AND CONDITIONS WITH RESPECT TO ANY\nMOBILE CARD, EITHER EXPRESS, IMPLIED OR STATUTORY. WE ALSO DO NOT WARRANT AGAINST INTERFERENCE WITH YOUR\nENJOYMENT OF ANY MOBILE CARD. USE OF A MOBILE CARD INVOLVES THE TRANSMISSION OF PERSONAL INFORMATION THROUGH\nTHIRD PARTY CONNECTIONS. WE DO NOT CONTROL THESE CONNECTIONS, WE CANNOT GUARANTEE PRIVACY OR SECURITY OF\nTHESE TRANSMISSIONS. YOUR DEVICE\'S BROWSER IS PRE-CONFIGURED BY YOUR WIRELESS CARRIER. CHECK WITH APPLICABLE\nTHIRD PARTIES FOR INFORMATION ABOUT THEIR PRIVACY AND SECURITY PRACTICES. THIS SECTION 23(I) SHALL SURVIVE ANY\nTERMINATION OF THESE TERMS OF USE.\n\nj.\n\nRELEASE OF LIABILITY. ALERTS SENT VIA SMS MAY NOT BE DELIVERED TO YOU IF YOUR PHONE IS NOT IN THE RANGE OF A\nTRANSMISSION SITE, OR IF SUFFICENT NETWORK CAPACITY IS NOT AVAILABLE AT A PARTICULAR TIME. EVEN WITHIN COVERAGE,\nFACTORS BEYOND THE CONTROL OF THE CARRIER MAY INTERFERE WITH MESSAGE DELIVERY FOR WHICH THE CARRIER IS NOT\nRESPONSIBLE.\n\nK.\n\nLIMITATION OF LIABILITY. EXCEPT AS OTHERWISE PROVIDED BY LAW, IN NO EVENT SHALL MAFCU, ITS AFFILIATES, AGENTS,\nEMPLOYEES OR REPRESENTATIVES BE LIABLE FOR DEATH, PERSONAL INJURY, PROPERTY DAMAGE, OR ANY INCIDENTAL, SPECIAL,\nINDIRECT, PUNITIVE, EXEMPLARY OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR\nLOSS OF PROFITS, LOSS OF OR DAMAGE TO DATA, BUSINESS INTERRUPTION OR ANY OTHER COMMERCIAL OR FINANCIAL DAMAGES,\nLOST REVENUES, OR OTHER LOSSES OF ANY KIND, ARISING OUT OF THESE TERMS OF USE OR IN ANY WAY RELATED TO YOUR USE\nOR INABILITY TO USE ANY MOBILE CARD, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT OR\nOTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATIONS WILL\nAPPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. THIS SECTION 23(K) SHALL SURVIVE ANY\nTERMINATION OF THESE TERMS OF USE.\n\nRev 06/23/2021 Federally insured by NCUA.\n\nPage 5 of 6\n\n\x0cVISA DISCLOSURE AND CARDHOLDER AGREEMENT\n24. GRANT OF SECURITY INTEREST IN FUNDS ON DEPOSIT\nBy using the Visa Credit Card (the \xe2\x80\x9ccredit card\xe2\x80\x9d) and/or maintaining a balance on the credit card, which is governed by the Visa Disclosure and\nCardholder Agreement, of which this Addendum is a part, you understand and agree to the terms herein. Except as described below, you voluntarily and\nintentionally grant Mountain America Federal Credit Union (\xe2\x80\x9cwe\xe2\x80\x9d or \xe2\x80\x9cus\xe2\x80\x9d) a security interest in all individual or joint share or other deposit account(s)\n(\xe2\x80\x9cyour deposit account(s)\xe2\x80\x9d) you have now, or will have in the future, with us. If your credit card payment obligations are in default, you authorize us to\napply up to the full balance in your deposit account(s) to pay any and all amounts due. For example, if you have a delinquent credit card payment, you\nagree that we may apply funds in your deposit account(s) to pay the delinquent payment. By using the credit card and/or maintaining a balance on the\ncredit card, you affirmatively agree and acknowledge that you are aware that granting a security interest is a condition for the credit card and you intend\nto grant a security interest. Notwithstanding anything herein to the contrary, shares and deposits in an IRA or any other account that would lose special\ntax treatment under state or federal law if given as security, or which for which it is otherwise unlawful to grant a security interest, are not subject to the\nsecurity interest you have given in your shares and deposits. This security interest does not apply for any period of time during which you are a \xe2\x80\x9cCovered\nBorrower\xe2\x80\x9d under the Military Lending Act. You will not be deemed a Covered Borrower, and your pledge will apply, if: (i) you become obligated on a\ncredit transaction or establish an account for credit when you are not a Covered Borrower; or (ii) you cease to be a Covered Borrower. Unless otherwise\nprohibited by federal and/or state law, collateral securing other loans you have with us may also secure this loan, except that a dwelling will never be\nconsidered as security for this account, notwithstanding anything to the contrary in any other agreement.\n\nRev 06/23/2021 Federally insured by NCUA.\n\nPage 6 of 6\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nPLATINUM VISA CARD/PLATINUM REWARDS VISA\nCARD\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 University 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\neach applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means\nthe line of credit established by this Agreement 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. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. 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. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n01802100-MXC30-P-1-120117 (MXC303-E)\n\n\x0cthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\naccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\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.\nThe 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.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing 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, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. 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.\n7. 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) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\nPage 2 of 6\n01802100-MXC30-P-1-120117 (MXC303-E)\n\n\x0c8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\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.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. 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.\nIf 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.\n12. 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 PSCU, PO Box\n31281, Tampa, FL, 33631-3281 or call Us at (800) 449-7728, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\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. 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.\n14. 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\nPage 3 of 6\n01802100-MXC30-P-1-120117 (MXC303-E)\n\n\x0cnotice 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.\n15. 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.\n16. 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.\n17. 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.\n18. 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.\n19. 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.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nMaine.\n21. 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.\n22. 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.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. 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.\n25. 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.\n26. 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.\n27. 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.\n28. 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.\n29. 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.\nPage 4 of 6\n01802100-MXC30-P-1-120117 (MXC303-E)\n\n\x0c30. 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.\n31. 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.\n32. 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.\n33. 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 5 of 6\n01802100-MXC30-P-1-120117 (MXC303-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 6 of 6\n01802100-MXC30-P-1-120117 (MXC303-E)\n\n\x0c'


b"6/19/2020\n\nOpen an Account\nCareers\n\nVisa Platinum | CommonWealth One Federal Credit Union\n\nApply for a Loan\n\nFind an ATM or Branch\n\nContact Us\n\n\xef\x80\xa3\n\nOnline Banking Login\n\nRouting Number: 256078365\n\nCONNECT\n\nBORROW\n\nMANAGE & SAVE\n\nGROW & LEARN\n\nCOVID-19 Update: Click here for information regarding our hours of operation, relief programs or to schedule an appointment.\n\nVISA PLATINUM\nOPEN AN ACCOUNT\nAPPLY FOR A LOAN\nVisa Credit Cards\nView Visa Credit Card\nRates\nCredit Card Pay O\nCalculator\nHow Much Debt Do You\nOwe Calculator\nVeri ed By Visa\xc2\xae\nCardValet and Visa Alerts\nCan Help You Keep Your\nInformation Secure.\n\nHome Equity Loans\nMortgage Loans\nPersonal Loans\nOther Loans\nLoan Rates\nLoan Calculators\nVisa Business Credit\nCards\n\nVisa\xc2\xae Platinum Credit Card\nLooking for our lowest credit card interest rate? Apply online in just\nminutes for a CommonWealth One Visa Platinum credit card and save\nmoney with a solid, no-frills credit card. Plus, you'll enjoy protection\nagainst fraudulent charges with Visa\xe2\x80\x99s Zero Liability policy1 everywhere\nyou shop.\nVariable rates as low as 7.99% APR* on purchases\nNo annual fee, cash advance or balance transfer fees\nEMV chip enabled for additional layer of protection against fraud\nJames Madison University custom design available\n\nConvenience Services\nTransfer balances to your current purchase rate with no fees in Online Banking or call (866) 8205871\nPay your credit card bill using your CommonWealth One or other bank account\nRedeem your points at CURewards.com\nSign up for e-statements\n\nGlobal Assistance Services\nCardholder Inquiry Service\nEmergency Card Replacement/Emergency Cash Disbursement\nLost/Stolen Card Reporting\nDisclosures\n\n*APR = Annual Percentage Rate. All credit union rates and terms are based upon the evaluation of applicant(s) credit. Your actual rate\n\nmay vary based on your creditworthiness, and will vary with the market based on the Prime Rate.\n1Visa\xe2\x80\x99s\n\nZero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not\n\nprocessed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and\nother details, please contact us.\n\nAuto Loan Rates\n\nCertain terms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure\ntransactions. Please refer to your Guide to Benefits for further details.\n\nCredit Card Rates\n\nView the Visa Platinum Credit Card Agreement and Disclosure\nVisa Rates, Fees, and Cost Information\nVisa Signature Guide to Benefits\nVisa Platinum Rewards and Platinum Guide to Benefits\nVisa Business Platinum Rewards Guide to Benefits\n\nhttps://www.cofcu.org/borrow/visa-credit-cards/visa-platinum\n\n1/2\n\n\x0c6/19/2020\n\nConnect\n\nOnline Banking\nBill Pay\nMobile Apps\nMobile MyDeposit\nPopMoney\nE-Statements\nMoney Tools\nText Banking and Mobile Web Banking\n\nVisa Platinum | CommonWealth One Federal Credit Union\n\nBorrow\n\nLoan Perks\nNew and Used Auto Loans\nVisa Credit Cards\nHome Equity Loans\nMortgage Loans\nPersonal Loans\nStudent Loans\nOther Loans\n\nManage & Save\n\nChecking Accounts\nSavings Accounts\nMoney Management Accounts\nShare Certi cates\nInvestment Services\nInsurance Programs\nBusiness Services\n\nGrow & Learn\n\nAbout CommonWealth One\nMembership\nCollege Student Services\nYouth Programs\nScholarships\nFinancial and Education Resources\nContact Us\nFind a Branch or ATM\nCareers\n\n\xc2\xa9 2020, CommonWealth One Federal Credit Union. All Rights Reserved.\nPrivacy Policy | Disclosures | Website Accessibility\n\nhttps://www.cofcu.org/borrow/visa-credit-cards/visa-platinum\n\n2/2\n\n\x0c"


b'6/19/2020\n\nOpen an Account\nCareers\n\nVisa\xc2\xae Platinum Rewards Credit Card from CommonWealth One FCU | CommonWealth One Federal Credit Union\n\nApply for a Loan\n\nFind an ATM or Branch\n\nContact Us\n\n\xef\x80\xa3\n\nOnline Banking Login\n\nRouting Number: 256078365\n\nCONNECT\n\nBORROW\n\nMANAGE & SAVE\n\nGROW & LEARN\n\nCOVID-19 Update: Click here for information regarding our hours of operation, relief programs or to schedule an appointment.\n\nVISA\xc2\xae PLATINUM REWARDS CREDIT CARD\nFROM COMMONWEALTH ONE FCU\nOPEN AN ACCOUNT\nAPPLY FOR A LOAN\nVisa Credit Cards\n\nVisa\xc2\xae Platinum\nRewards Credit Card\nEnjoy the convenience of using your Visa Platinum Rewards Credit Card everywhere with peace of mind\nprovided by Visa\xe2\x80\x99s Zero Liability Policy1. Apply for a CommonWealth One Visa Platinum Rewards credit\ncard today and get a lower interest rate while earning rewards.\n\nView Visa Credit Card\nRates\n\nVariable rates as low as 8.99% APR* on purchases and cash advances\nEarn 1 CURewards point for every dollar on all purchases\nReward points may be redeemed for cash, travel or merchandise or gift cards\nNo annual fee, cash advance or balance transfer fees\nEMV chip enabled for additional layer of protection against fraud\n\nCredit Card Pay O\nCalculator\nHow Much Debt Do You\nOwe Calculator\nVeri ed By Visa\xc2\xae\nCardValet and Visa Alerts\nCan Help You Keep Your\nInformation Secure.\n\nJames Madison University custom design available\n\nConvenience Services\nTransfer balances to your current purchase rate with no fees in Online Banking or call (866) 8205871\nPay your credit card bill using your CommonWealth One or other bank account\nRedeem your points at CURewards.com\n\nHome Equity Loans\nMortgage Loans\nPersonal Loans\n\nSign up for e-statements\n\nGlobal Assistance Services\nCardholder Inquiry Service\nEmergency Card Replacement/Emergency Cash Disbursement\nLost/Stolen Card Reporting\n\nOther Loans\nLoan Rates\nLoan Calculators\n\nTravel Bene ts\nAuto Rental Collision Damage Waiver2\nCLEAR Expedited Airport Security Line Service2\n\nVisa Business Credit\nCards\n\nEmergency Evacuation and Transportation Coverage2\nEmergency Medical/Dental Bene t2\nHotel Theft Protection2\nLost Luggage Reimbursement2\n\nAuto Loan Rates\nCredit Card Rates\n\nRoadside Dispatch\xc2\xae\nTravel Accident Insurance up to $50,0002\nTravel and Emergency Assistance Services2\nTrip Cancellation/Trip Interruption2\nTrip Delay Reimbursement2\nDisclosures\n\n*APR = Annual Percentage Rate. All credit union rates and terms are based upon the evaluation of applicant(s) credit and will vary with\n\nthe market based on the Prime Rate.\n1Visa\xe2\x80\x99s\n\nZero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not\n\nprocessed by Visa. You must notify your financial institution immediately of any unauthorized use. For specific restrictions, limitations and\nother details, please contact us.\n2Certain\n\nterms, conditions, and exclusions apply. In order for coverage to apply you must use your covered Visa card to secure\n\ntransactions. Please refer to your Guide to Benefits for further details.\nhttps://www.cofcu.org/borrow/visa-credit-cards/visa-platinum-rewards\n\n1/2\n\n\x0c6/19/2020\n\nVisa\xc2\xae Platinum Rewards Credit Card from CommonWealth One FCU | CommonWealth One Federal Credit Union\n\nView Visa Platinum Rewards Credit Card Agreement & Disclosure\nVisa Rates, Fees, and Cost Information\nVisa Signature Guide to Benefits\nVisa Platinum Rewards and Platinum Guide to Benefits\nVisa Business Platinum Rewards Guide to Benefits\n\nConnect\n\nOnline Banking\nBill Pay\nMobile Apps\nMobile MyDeposit\nPopMoney\nE-Statements\nMoney Tools\nText Banking and Mobile Web Banking\n\nBorrow\n\nLoan Perks\nNew and Used Auto Loans\nVisa Credit Cards\nHome Equity Loans\nMortgage Loans\nPersonal Loans\nStudent Loans\nOther Loans\n\nManage & Save\n\nChecking Accounts\nSavings Accounts\nMoney Management Accounts\nShare Certi cates\nInvestment Services\nInsurance Programs\nBusiness Services\n\nGrow & Learn\n\nAbout CommonWealth One\nMembership\nCollege Student Services\nYouth Programs\nScholarships\nFinancial and Education Resources\nContact Us\nFind a Branch or ATM\nCareers\n\n\xc2\xa9 2020, CommonWealth One Federal Credit Union. All Rights Reserved.\nPrivacy Policy | Disclosures | Website Accessibility\n\nhttps://www.cofcu.org/borrow/visa-credit-cards/visa-platinum-rewards\n\n2/2\n\n\x0c'