b"CREDIT CARD AGREEMENT\n(Wealth Management World EliteTM Mastercard\xc2\xae Credit Card)\n\nThe terms of the Bank of the West Wealth Management\nWorld Elite Mastercard Credit Card are available to the\nBank\xe2\x80\x99s Wealth Management clients.\nBy requesting or accepting any Wealth Management World\nElite Mastercard Credit Card account (individually or\ncollectively called \xe2\x80\x9cCredit Card account\xe2\x80\x9d or \xe2\x80\x9cAccount\xe2\x80\x9d) with\nBank of the West, you agree to be bound by all the terms of\nthis Agreement. In this Agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d or \xe2\x80\x9cyour\xe2\x80\x9d\nmean everyone who has requested or accepted a Credit\nCard account with us. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d or \xe2\x80\x9cBank\xe2\x80\x9d\nmean Bank of the West. If you do not accept this\nAgreement, you must notify us in writing within 5 days after\nreceipt. Use of your card or any feature (including a balance\ntransfer) of your Credit Card Agreement shall constitute\nacceptance of this Agreement.\n1. Use. Your Wealth Management World Elite Mastercard\nCredit Card (individually or collectively called \xe2\x80\x9cCard\xe2\x80\x9d) may be\nused as a credit card for purchases of goods or services\nfrom participating merchants (\xe2\x80\x9cPurchases\xe2\x80\x9d) or to get Cash\nAdvances from us or any other financial institution displaying\nthe \xe2\x80\x9cMastercard\xe2\x80\x9d logo, or to purchase certain items such as\ntraveler's cheques, foreign currency, money orders, wire\ntransfers, lottery tickets, and (except as noted below) funds\nto be used for wagers or gambling (all of which are\ncollectively referred to as \xe2\x80\x9cCash Advances\xe2\x80\x9d) up to your\nCredit Limit; provided, however, you may not use your Card\n(i) to make Purchases or obtain Cash Advances for any\nillegal transaction, or (ii) for any internet or online gambling\ntransactions. Transactions for online or internet gambling\nwill not be approved. If you use your Card for any illegal or\nprohibited transaction, this Agreement also applies to such\ntransaction and you agree to pay any and all amounts\nrelated to such transaction pursuant to the terms of this\nAgreement. We may, in our sole discretion, restrict the use\nof or terminate your Card if we notice excessive use of your\nCard or other suspicious activities or if we reasonably\nbelieve the Card is or has been used for one or more illegal\nor prohibited transactions. You can also obtain a Cash\nAdvance by writing a special Mastercard check\n(\xe2\x80\x9cConvenience Check\xe2\x80\x9d). The Cash Advance will be posted\nto your Credit Card account when the Convenience Check\nreaches us. If you stop payment on a Convenience Check,\nyour Credit Card account will be charged $16.00 (or as\npermitted by law) for each stop payment. We may designate\nthat only a portion of your Credit Limit is available for Cash\nAdvances. In addition, you may request that we pay other\ncreditors on your behalf and transfer approved amounts to\nyour Account (\xe2\x80\x9cBalance Transfers\xe2\x80\x9d).\nYour Card may also be used in certain automated\nterminals to gain access to your Credit Card accounts. We\nhave no responsibility for the failure of any machine,\nmerchant, financial institution, or any other party to honor\nyour Card. Your Card and Credit Card account may be used\nonly for valid and lawful purposes. If you use or allow\nsomeone else to use the Card or Credit Card account for\nany other purpose, you will be responsible for such use and\nmay be required to reimburse us for all amounts or\nexpenses we pay as a result of such use.\n2. Credit Limit. We will notify you of the Credit Limit for\neach Credit Card account you have with us. You agree that\nyour total charges, including Purchases, Cash Advances,\nBalance Transfers, INTEREST CHARGES, and fees that\nmay be due will not exceed your Credit Limit. If you do go\nover your Credit Limit, you must repay the excess amount\nimmediately, and we may reduce the available Credit Limit\nof any other Credit Card account you have with us until such\ntime the excess amount is repaid.\nYou may apply to\nincrease your Credit Limit at any time but we are not\nobligated to increase your Credit Limit at any time.\nFurthermore, we reserve the right to lower your Credit Limit\nBW-WECCAG (Rev. 10/2020)\n\nat any time. For security reasons, we may limit the number\nor amount of transactions that may be accomplished with\nyour Card or Credit Card account, and we have the right to\nlimit authorizations to make transactions if we consider it\nnecessary to verify Payments received on your Credit Card\naccount. If we accept a payment from you in excess of your\noutstanding balance, your available Credit Limit will not be\nincreased by the amount of the overpayment nor will we be\nrequired to authorize transactions for an amount in excess\nof your Credit Limit.\n3. Temporary Reduction of Credit Limit.\nSome\nmerchants (for example, car rental companies and hotels)\nmay request prior credit approval from us for an estimated\namount of your Purchases, even if you ultimately do not pay\nby credit. If our approval is granted, your available Credit\nLimit will temporarily be reduced by the amount authorized\nby us. If you do not ultimately use your Credit Card account\nto pay for your Purchases or if the actual amount of\nPurchases posted to your Credit Card account varies from\nthe estimated amount approved by us, it is the responsibility\nof the merchant, not us, to cancel the prior credit approval\nbased on the estimated amount. The failure of the merchant\nto cancel a prior credit approval may result in a temporary\nreduction of your available Credit Limit, but will not increase\nthe amount you owe us under this Agreement.\n4. Agreement to Pay. When you use your Card or Credit\nCard account, or when you permit anyone to use it, you\nagree to pay the amount of any and all transactions\n(including any which may have been made in violation of this\nAgreement), and the INTEREST CHARGES and fees that\nmay become due as shown on the periodic statement. You\nagree that we may change or cancel your Credit Card\naccount at any time without affecting your obligation to pay\nthe amounts that you owe under this Agreement.\n5. Periodic Statement. Each month we will send you a\nperiodic statement for each Credit Card account you have\nwith us covering the previous billing period. We may not\nsend you a statement if your balance is less than $1 and\nthere were no transactions during the billing period. The\nstatement will have a \xe2\x80\x9cStatement Period Date\xe2\x80\x9d, \xe2\x80\x9cStatement\nClosing Date\xe2\x80\x9d and a \xe2\x80\x9cPayment Due Date,\xe2\x80\x9d and will show,\namong other things, your \xe2\x80\x9cPrevious Balance,\xe2\x80\x9d your \xe2\x80\x9cNew\nBalance,\xe2\x80\x9d and your minimum monthly payment, which will be\nshown as \xe2\x80\x9cMinimum Payment Due.\xe2\x80\x9d\n6. Payment. You must make a payment by the \xe2\x80\x9cPayment\nDue Date.\xe2\x80\x9d You have two choices: You may pay the entire\n\xe2\x80\x9cNew Balance\xe2\x80\x9d or you may pay in installments by paying at\nleast the \xe2\x80\x9cMinimum Payment Due.\xe2\x80\x9d When your payment is\nproperly received, we will allocate your payment in a manner\nwe determine except as otherwise required by law. The\nMinimum Payment is applied first to fees, then to\nINTEREST CHARGES and finally to principal. We apply the\nMinimum Payment to balances with lower APRs, including\nintroductory APRs, before balances with higher APRs.\nPayments made in excess of the Minimum Payment will be\napplied first to balances with the highest ANNUAL\nPERCENTAGE RATE (APR) and then to each successive\nbalance bearing the next highest ANNUAL PERCENTAGE\nRATE.\nPayments must be mailed to the BankCard Center\naddress specified in your periodic statement and reach the\nBankCard Center during our regular business day by 5:00\np.m. Pacific Time for the payment to be credited the same\nbusiness day. Payments made in person at one of our\nbranches, or made by telephone, or made through our\nwebsite or another website controlled by a third party on our\nbehalf must be received by 5:00 p.m. Pacific Time to be\ncredited the same business day. Payments received after\nthe cutoff time of 5:00 p.m. Pacific Time are credited as of\nthe following business day. If you fail to properly make\npayments, crediting of such payments may be delayed and\nyou may incur late charges and additional interest as a\n\n\x0cresult of the delay. Even when your payment is credited to\nyour Account, we may delay the availability of part or all of\nyour payment amount as credit for up to 15 days.\nIf a payment is returned to us for any reason, we may\napply a Returned Payment Fee of $27 for the first violation\nand $38 for each subsequent violation within the next six\nbilling cycles. The Returned Payment Fee for Iowa residents\nis $27 for the first violation and $30 for each subsequent\nviolation within the next six billing cycles. If the Returned\nPayment Fee is greater than the Minimum Payment Due,\nthe fee will be equal to the Minimum Payment Due.\nFrom time to time, we may let you skip or reduce one or\nmore monthly payments during a year and/or we may\ntemporarily reduce or eliminate certain INTEREST\nCHARGES on all or a portion of your Credit Card account\nbalance or offer you other special terms. If we do, we will\nadvise you of the scope and duration of the applicable skip\nor promotional feature. When the skip or promotional\nfeature ends, your regular rates and all the terms of the\nAgreement will resume.\n7. Minimum Payment - Late Payment Fee. At least the\namount of the \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d must be received by\nus by the \xe2\x80\x9cPayment Due Date.\xe2\x80\x9d If it is not, we may apply a\nLate Payment fee of $27 for the first violation and $38 for\neach subsequent violation within the next six billing cycles.\nThe Late Payment fee for Iowa residents is $27 for the first\nviolation and $30 for the subsequent violation within the next\nsix billing cycles. If the Late Payment fee is greater than the\nMinimum Payment Due, the fee will be equal to the\nMinimum Payment Due. If such charge would result in an\nINTEREST CHARGE greater than the maximum allowed by\nlaw, we will only charge the maximum allowable rate. Your\nMinimum Payment Due will be 3% of the New Balance plus\nany Late Payment fee (with a minimum of the lesser of $27\nor your New Balance) and any amount over your credit limit\nand past due amount.\n8. How to Avoid Paying Interest on Purchases. There\nmay be different treatment of INTEREST CHARGES for\nPurchases, Balance Transfers, and Cash Advances, even\nthough they are computed the same way. You may avoid\npaying an INTEREST CHARGE on Purchases if we receive\nthe entire New Balance by the Payment Due Date. If we do\nnot receive the entire New Balance by the Payment Due\nDate, the INTEREST CHARGE will be charged on the\nPurchases from the date of the transaction. INTEREST\nCHARGES on all other balances, including Cash Advances\nand Balance Transfers, begin on the transaction date and\nwill be assessed even if your entire New Balance is paid by\nthe Payment Due Date.\n9. Computing Your INTEREST CHARGE. We figure the\nINTEREST CHARGE on each Credit Card account by\napplying the periodic rate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of\neach Balance Category on the Credit Card account,\nincluding current transactions. Balance Categories include\nPurchases,\nBalance\nTransfers,\nCash\nAdvances,\nIntroductory Rates and any special rate offers we may make\navailable from time to time. If you are charged interest, the\ncharge will be no less than $1.00 (the minimum interest\ncharge will appear as \xe2\x80\x9cMinimum Charge\xe2\x80\x9d in the fees section\nof your statement).\na. Average Daily Balance. To obtain the daily balance\nfor each Balance Category we take the beginning balance\neach day and add new transactions applicable to each\ncategory, and subtract any payments, credits, and refunds\napplied to the category. To figure your Average Daily\nBalance for each Balance Category, we add all your daily\nbalances and divide by the number of days in the billing\nperiod.\nb. Figuring the INTEREST CHARGE. We compute the\nINTEREST CHARGE for each Balance Category by\nmultiplying these Average Daily Balances by the applicable\nDaily Periodic Rate, and then we multiply the result by the\nnumber of days in the billing period. To determine the Daily\nPeriodic Rate for each Balance Category, we divide the\napplicable ANNUAL PERCENTAGE RATE in effect for the\nbilling period by 365 (366 for leap year). The way we get the\nANNUAL PERCENTAGE RATE for each Balance Category\nis described below under \xe2\x80\x9cFixed Rate\xe2\x80\x9d and \xe2\x80\x9cVariable Rate.\xe2\x80\x9d\n\nBW-WECCAG (Rev. 10/2020)\n\nc. Fixed Rate. Introductory ANNUAL PERCENTAGE\nRATES for Purchases, Balance Transfers or Cash\nAdvances may vary, if applicable. Please refer to your\nAccount Opening Disclosures for specific introductory period\nand ANNUAL PERCENTAGE RATES associated with your\nAccount. After the Introductory Period ends, your regular\nANNUAL PERCENTAGE RATES for Purchases, Balances\nTransfers or Cash Advances will apply.\nd. Variable Rate. The current ANNUAL PERCENTAGE\nRATE for all variable rates is shown on the Account\nOpening Disclosure which has been provided to you with\nthis Agreement. The Daily Periodic Rate and the\ncorresponding ANNUAL PERCENTAGE RATE may change\neach month on the first day of each of your billing cycles.\nEach date on which the rate of interest could change is\ncalled a \xe2\x80\x9cChange Date.\xe2\x80\x9d Changes will be based on changes\nin the \xe2\x80\x9cIndex.\xe2\x80\x9d The Index is the Prime Rate published in the\n\xe2\x80\x9cMoney Rates\xe2\x80\x9d table of The Wall Street Journal on the\nbusiness day immediately preceding the day your billing\ncycle ends. If the Index is no longer available, we will\nchoose a new index which is based upon comparable\ninformation and will give you notice of our choice. The\nANNUAL PERCENTAGE RATE may increase or decrease\neach month if the Index changes. Any new rate will be\napplied as of the first day of your billing cycle during which\nthe Index has changed. If the ANNUAL PERCENTAGE\nRATE increases, you will pay a higher INTEREST\nCHARGE, which may result in a higher minimum payment.\nYour interest rate for Purchases (after the Introductory\nPeriod) and Balance Transfers on your Wealth Management\nWorld Elite Mastercard Account is based on a variable rate\nequal to the sum of the Index plus a \xe2\x80\x9cRate Spread\xe2\x80\x9d of 3.90\npercentage points. The interest rate for Cash Advances on\nyour Account is based on a variable rate equal to the sum of\nthe Index plus a \xe2\x80\x9cRate Spread\xe2\x80\x9d of 21.74 percentage points.\nImmediately before each Change Date we will determine the\nnew interest rate by adding the Rate Spread to the Index.\nThe new interest rate will become effective at the start of\nyour first billing cycle after the Change Date. Only one\nANNUAL PERCENTAGE RATE and Daily Periodic Rate will\nbe in effect for each Balance Category during the billing\nperiod. The ANNUAL PERCENTAGE RATE will not exceed\nthe maximum rate permitted by law. The effect of any\nincrease in the Annual Percentage Rate ANNUAL\nPERCENTAGE RATE and the Daily Periodic Rate would be\nto increase the amount of INTEREST CHARGE or interest\nyou must pay and thus increase your monthly payments.\n10. Transaction Fees. You also agree to pay us the\nappropriate fees listed below (as permitted by applicable\nlaw) which may be amended from time to time by us. You\nauthorize us to charge your Credit Card account for the\nfollowing fees due to us. Balance Transfer fee: 4.00% of\neach balance transferred, $10 minimum. Cash Advance fee:\n4.00% of each Cash Advance, $10 minimum.\n11. Foreign Transactions. Transactions that you make\nin a foreign currency or that you make outside of the United\nStates of America even if it is made in U.S. dollars are\nconsidered foreign transactions. If you make a transaction\nin a foreign currency it will be billed to you in U.S. Dollars.\nThe conversion rate to U.S. Dollars will be determined by\nMastercard International in accordance with their operating\nregulations or conversion procedures in effect at the time\nthe transaction is processed. Currently, their regulations and\nprocedures provide that the currency conversion rate they\nuse is either (1) a government-mandated rate or (2) a\nwholesale market rate, whichever is applicable, in effect one\nday prior to the processing date. We do not determine the\ncurrency conversion rate which is used. You agree to pay\nthe converted amount in U.S. funds.\n12. Annual Membership Fee. The Wealth Management\nWorld Elite Mastercard Credit Card is subject to an Annual\nMembership Fee of $295. The Annual Membership Fee will\nbe assessed in the first billing cycle after Account opening\nand annually thereafter. A credit in the amount of the Annual\nMembership Fee (the \xe2\x80\x9cAMF Credit\xe2\x80\x9d) for the first year will\nappear on your first billing statement. No later than the first\nbusiness day of the last month of the quarter preceding the\nannual anniversary of the Account\xe2\x80\x99s opening date (Annual\nFee Determination Date), the Bank will determine whether\n\n\x0cor not to apply the AMF Credit by evaluating your month-end\nEligible Qualified Balances for the prior 3 consecutive\nmonths selected by the Bank. The AMF Credit will be\napplied if you maintain month-end Eligible Qualified\nBalances of $250,000 or more, as calculated by the Bank, in\nany one of the prior 3 consecutive months used to evaluate\neligibility. If you do not qualify for the AMF Credit, within 90\ndays of the fee being charged, you can increase your\nEligible Qualified Balances or close your Account and\nrequest to have the AMF Credit applied retroactively.\nThe term \xe2\x80\x9cEligible Qualified Balances\xe2\x80\x9d used in this\nAgreement means and shall include (i) deposits and\ninvestments maintained with the Bank, including those\nmaintained with the Bank\xe2\x80\x99s Investment Management or\nTrust Services departments, and (ii) investment balances\nwith the Bank\xe2\x80\x99s affiliate, BancWest Investment Services,\nInc. Eligible Qualified Balances may be owned by you\ndirectly, or held in any trust controlled by you as settlor and\ntrustee. Deposits or investments held by business entities\nthat are wholly-owned and controlled by you may also be\nincluded. Eligible Qualified Balances do not include any\naccount prohibited by law or which the inclusion of may\nresult in a breach of any fiduciary duty, law or regulation,\nincluding the Employee Retirement Income Security Act of\n1974 (\xe2\x80\x9cERISA\xe2\x80\x9d).\n13. Other Fees. As allowed by law, we may charge, and\nyou agree to pay, fees for certain services or requests made\nby you, such as but not limited to: Automated Teller Machine\n(\xe2\x80\x9cATM\xe2\x80\x9d) transactions conducted at machines not operated\nby us, requests for copies of billing statements, sales drafts,\nor other records of your Account, or if you request a\nreplacement card(s). However, we will not charge fees for\ncopies of documents requested for a billing dispute. These\nfees may change from time to time. We will inform you of\nthe fee(s) that you will incur prior to when the applicable\nservice(s) is(are) provided or when you make the request(s),\nas applicable. You authorize us to charge your Credit Card\naccount for any such fees that you incur. We reserve the\nright to waive a fee from time to time but a waiver does not\nmean we will continue to waive such fee in the future.\n14. Interest Charges for Covered Members of the\nArmed Forces and Their Dependents: Federal law\nprovides important protections to members of the Armed\nForces and their dependents relating to extensions of\nconsumer credit. In general, the cost of consumer credit to a\nmember of the Armed Forces and his or her dependent may\nnot exceed an annual percentage rate of 36%. This rate\nmust include, as applicable to the credit transaction or\naccount: the costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with\nthe credit transaction; any application fee charged (other\nthan certain application fees for specified credit transactions\nor accounts); and any participation fee charged (other than\ncertain participation fees for a credit card account).\nIf you are a covered member of the armed forces or a\ndependent, you will not be charged annual fees, transaction\nfees, or penalty fees so that your cost may not exceed the\nMilitary Lending Act annual percentage rate cap. Armed\nForces members and their dependents can hear about the\nprotections provided to them by calling 1-866-761-2689\n(TTY users call 1-800-659-5495).\n15. Default. We may declare the entire balance for all\nCredit Card accounts due and payable at once with or\nwithout notice or demand if any of these events (a \xe2\x80\x9cDefault\xe2\x80\x9d)\nhappens:\na. If you miss a payment under this Agreement or any\nother obligation you owe us; or\nb. If you violate any terms of this Agreement.\nIf you are in Default, we may terminate your Credit Card\naccount, make no more additional loans, and require you to\nimmediately repay the entire unpaid balance of all amounts\ndue on your Credit Card account, including but not limited to\nall loan amounts, late charges and other charges assessed\nbut not paid, and all of the INTEREST CHARGES accrued\nbut not paid. If we terminate your Credit Card account, your\nobligation to repay the amounts you already owe us would\ncontinue.\nAt our option, we may also take action short of terminating\nyour Credit Card account. If we take such lesser action\nBW-WECCAG (Rev. 10/2020)\n\ninitially, we reserve the right to terminate your Credit Card\naccount and accelerate all amounts due under this\nAgreement regardless of whether any additional events\nhave occurred which would permit termination and\nacceleration.\n16. Automated Terminal Services\na. Automated Terminals. You may use your Card in\nthe following automated terminals:\n(1) Any Bank of the West automated teller machines.\n(2) Any other automated teller machine that is\nparticipating in a network and accepts our Card (\xe2\x80\x9cNetwork\nATM\xe2\x80\x9d) and\n(3) Any point-of-sale terminal that accepts our Card\n(\xe2\x80\x9cPOS terminal\xe2\x80\x9d).\nb. Services Available at an Automated Terminal\n(1) You may use your Card at a Bank of the West or\nany Network ATM to:\n(a) Get a Cash Advance from your Credit Card\naccount.\n(b) Get your Credit Card account balances. These\nbalances may not include some transactions recently made\nin your Credit Card account. Some of the services described\nin subparagraphs (a) and (b) may not be available at all\nNetwork ATMs.\n(c) You may use your Card at a POS terminal to\npurchase certain merchandise. The amount of your\npurchase will automatically be charged to your Credit Card\naccount as a Purchase.\nc. Limits of Automated Terminal Services - Cash\nAdvances. You may get a Cash Advance from a Bank of\nthe West Automated Terminal up to an aggregate amount of\n$1,000 each calendar day, provided that this amount does\nnot exceed your Credit Limit. This amount may be less for\nCash Advances from Network ATMs.\nd. Card and Secret Code (PIN) Use. You are\nresponsible for all transactions in which you use your Card\nin an automated terminal, or the use of the Card by anyone\nelse who uses it with your permission. Security in use of the\nCard is provided by the secret code, which we will provide\nyou, and the magnetically encoded stripe on the Card. You\nare responsible for keeping the Card safe and also for\nprotecting the secret code. Use the Card and the secret\ncode only as instructed at all times. Please notify us of any\nmechanical or operating failure in connection with the use of\nyour Card. Do not permit anyone else to use your Card and\ndo not disclose your secret code or record it on the Card.\nThe Card remains the property of the Bank and can be\nrevoked and repossessed at any time. You must return it to\nus when asked.\ne. Fees for Using Automated Terminal Services.\nFees may be charged for transactions made at automated\nteller machines not operated by us as described in\nparagraph 13-Other Fees.\n17. Lost or Stolen Card; Your Liability for\nUnauthorized Use. Tell us AT ONCE if you believe your\nCard has been lost or stolen. Telephoning is the best way of\nkeeping your possible losses down.\nYou may be liable for the unauthorized use of your Card\nas a credit card. You will not be liable for unauthorized use\nof your Card as a credit card which occurs after you notify\nus at the telephone number or address stated in paragraph\n18 orally or in writing, of loss, theft, or possible unauthorized\nuse. In any case, your liability for unauthorized use of your\nCard as a credit card will not exceed $50.00.\n18. Where to Call or Write. If you believe your Card has\nbeen lost or stolen or that someone is using your Card or\nCredit Card account without your permission, call: 1-866218-4959 (for TTY all 1-800-659-5495) or write to: Bank of\nthe West, BankCard Security Department, PO Box 2078,\nOmaha, NE 68103-2078.\n19. Our Business Days. Our business days are Monday\nthrough Friday, except for bank holidays.\n20. Credit Investigation and Disclosure. You authorize\nus, both now and in the future, to check your credit and\nemployment history and to release information about our\ncredit experience with you in response to legitimate credit\ninquiries. If you believe that we have incorrect information or\nhave reported inaccurate information about you to a credit\n\n\x0cbureau, please call us at 1-866-218-4959 (for TTY call 1800-659-5495).\n21. Security Interest. We have no security for any\namounts which become due under this Agreement, even\nthough any other agreement you may have with us, such as\na mortgage, may provide for such a security interest, unless\nyou have given us a specific security interest in connection\nwith this Agreement, which is described on the Supplement\nattached to this Agreement.\n22. Collection. You promise to pay all collection costs,\nincluding, without limitation, mailgram charges, reasonable\nlawyers\xe2\x80\x99 fees and court costs, as permitted by law.\n23. If There are More Than One of You. Each of you\nindividually, or all of you together, will be liable under this\nAgreement. We may collect from or sue any one of you, or\nmake any settlements or extensions with any one of you,\nwithout giving up our rights against the other. You\nunderstand that any one of you can make Purchases, get\nCash Advances, or perform Balance Transfers under this\nAgreement which will be binding upon all of you.\n24. Compliance with Law/Sanctions. You agree to\ncomply with all applicable laws and regulations, including\nthose relating to anti-bribery, anti-money laundering, the\nfight against terrorism, and sanctions (\xe2\x80\x9cSanctions\xe2\x80\x9d), that\napply to the Bank or BNP Paribas S.A. You represent that\nyou are not the target of Sanctions. You agree to hold the\nBank harmless from liability for any actions taken by the\nBank to comply with applicable laws and regulations,\nincluding Sanctions.\n25. No Waiver of Rights. If we choose to waive any of\nthe terms or conditions of this Agreement on a case-by-case\nbasis, such as by not declaring the entire balance due when\nthe minimum monthly payment has not been made on time,\nit does not mean that we have waived, or given up, our right\nto exercise any of our rights or remedies under this\nAgreement in the future. We are not required to use any\nparticular kind of demand or notice in order to collect\namounts due to us under this Agreement. No indulgence or\nacceptance by us of delinquent or partial payments\nconstitute a waiver of our rights or of any provision of this\nAgreement. No waiver of any existing default shall be\ndeemed to waive any subsequent default.\n26. Changing Terms. We can change, add to, delete or\notherwise modify the terms of this Agreement at any time in\nany way permitted by law. We will send you a notice of\nchange at least 45 days (or as required by applicable law)\nbefore the effective date of the change. We do not have to\nsend you an advance notice of the change if it favors you,\nsuch as by reducing rates, or increasing the maximum credit\nlimit. Except in cases where we are changing terms due to\nthe Minimum Payment Due not being received within 60\ndays of the Payment Due Date, you agree that the change\nmay cover all transactions made 15 days after we mail the\nnotice. If you do not agree to the change, a method for\nrejecting the change and closing the Account will be\nprovided in the Change of Terms Notice. You agree that if\nyou use your card after the effective date of the change, this\nwill constitute your agreement with the change.\n27. Canceling this Agreement. We have the right to\ncancel this Agreement at any time by sending a notice to\nany one of you in writing. You also have the same right to\ncancel this Agreement at any time by sending us a notice in\nwriting or calling the BankCard Center at 1-866-218-4959\n(for TTY call 1-800-659-5495). If this Agreement is canceled\nby you or us, your obligation is to repay amounts you already\nowe under this Agreement. In either case, the Account will\nbe closed and you will no longer have access to the\nAccount.\n28. Governing Law. This Agreement will be governed by\nthe laws of the State of Nebraska, and, as applicable,\nfederal law, regardless of where the transactions are made.\n29. Monitoring/Recording Telephone Calls. Our\nsupervisory personnel may listen to and record your\ntelephone calls to us for the purpose of monitoring and\nimproving the quality of service you receive.\n30. Severability. All other provisions of this Agreement\nshall remain in full force even if one or more provisions of\nthis Agreement are held invalid, illegal, void or\n\nBW-WECCAG (Rev. 10/2020)\n\nunenforceable by any rule or law, administrative order or\njudicial decision.\n31. Authorized User. If you elect to have an authorized\nuser, you will be liable for all transactions made by that user\non your Account. Any authorized user is not a contractually\nliable party.\n32. Our Communications with You. You agree that we,\nany of our affiliates, agents, independent contractors or\nservice providers may monitor and record telephone calls\nregarding your banking services to assure the quality of our\nservice or for other reasons. You expressly consent that we,\nany of our affiliates, agents, independent contractors or\nservice providers may use written, electronic, or verbal\nmeans, or any other medium, as permitted by law and\nincluding, but not limited to, mail and facsimile, to contact\nyou. Your consent includes, but is not limited to, contact by\nmanual calling methods, prerecorded or artificial voice\nmessages, text messages, e-mails and/or automatic\ntelephone dialing systems. You agree that we, any of our\naffiliates, agents, independent contractors or service\nproviders may contact you by using any e-mail or any\ntelephone number you provide, including a telephone\nnumber for a cellular phone or other wireless device,\nregardless of whether you incur any charges as a result.\n33. RESOLUTION OF DISPUTES BY ARBITRATION.\nPLEASE READ THIS ARBITRATION PROVISION\nCAREFULLY. EXCEPT AS OTHERWISE PROVIDED, YOU\nWAIVE YOUR RIGHTS TO TRY ANY CLAIM IN COURT\nBEFORE A JUDGE OR JURY AND TO BRING OR\nPARTICIPATE\nIN\nANY\nCLASS\nOR\nOTHER\nREPRESENTATIVE ACTION.\na. Agreement to Arbitrate Disputes. Except as\notherwise provided, if you are unable to resolve a dispute\nwith us informally, you and we agree that the dispute will be\nresolved through the binding arbitration process set forth in\nthis arbitration provision upon demand by either you or us.\nb. Disputes Covered By Arbitration. Except as\notherwise provided, any dispute relating to or arising out of\nyour Account or this Agreement, including any aspect of any\nagreement governed by this Agreement, or prior or later\nversions of this Agreement, and any changes to the terms of\nthis Agreement will be subject to arbitration. Except as\nexpressly provided, all disputes are subject to arbitration no\nmatter the legal theory or remedy (damages, or injunctive or\ndeclaratory relief) sought. Disputes include (1) any\nunresolved claims concerning any services relating to your\nAccount, including, without limitation, Purchases, Balance\nTransfers, Cash Advances, INTEREST CHARGES, your\nuse of any of our banking locations or facilities, or any\nmeans you use to access your Account; (2) any claims that\narose before you and we entered into this Agreement (such\nas disputes related to advertising) and after the termination\nof this Agreement; (3) not only claims made directly by you,\nbut also made by anyone connected with you or claiming\nthrough you, such as an authorized user, a beneficiary,\nemployee, representative, agent, predecessor or successor,\nheir, assignee, or trustee in bankruptcy; (4) not only claims\nthat relate directly to us, but also our parent, affiliates,\nsuccessors, assignees, employees, and agents and claims\nfor which we may be directly or indirectly liable, even if we\nare not properly named at the time the claim is made; (5)\nclaims based on any theory of law, contract, statute,\nregulation, tort (including fraud or any intentional tort), or any\nother legal or equitable ground, and include claims made as\ncounterclaims,\ncross-claims,\nthird\nparty\nclaims,\ninterpleaders or otherwise; (6) claims made as part of a\nclass action or other representative action, being expressly\nunderstood and agreed that arbitration of such claims must\nproceed on an individual (non-class, non-representative)\nbasis; and (7) claims relating to the enforceability or\ninterpretation of this arbitration provision. A party who\ninitiates a proceeding in court may elect arbitration with\nrespect to any dispute advanced in that proceeding by any\nother party. This arbitration provision shall survive any\ntermination of this Agreement or your Account.\nc. Disputes Not Covered By Arbitration. Disputes\nfiled by you or by us individually in a small claims court are\nnot subject to arbitration if the disputes remain in such court\nand advance only as an individual claim for relief.\n\n\x0cd. Opt Out. You have the right to opt out of arbitration\nby sending a signed written notice stating your decision to\nopt out of arbitration to BANK OF THE WEST at Loan\nServicing, P.O. Box 3631, Omaha, NE 68103 within 30 days\nafter the date you opened your Account (\xe2\x80\x9cAccount Open\nDate\xe2\x80\x9d).\ne. Commencing an Arbitration. The party initiating\narbitration must choose one of the following arbitration\nforums to administer arbitration under the forum\xe2\x80\x99s rules\n(except as modified by this Agreement): (i) the American\nArbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) under AAA\xe2\x80\x99s Consumer\nArbitration Rules available at www.adr.org or 1-800-7787879; (ii) JAMS under JAMS\xe2\x80\x99 Comprehensive Arbitration\nRules & Procedures or Streamlined Arbitration Rules &\nProcedures, including JAMS\xe2\x80\x99 Consumer Minimum\nStandards (but not JAMS\xe2\x80\x99 Class Action Procedures),\navailable at www.jamsadr.com or 1-800-352-5267.\nf. Arbitration Procedure. Arbitration shall be decided\nby a single neutral arbitrator selected in accordance with\nAAA\xe2\x80\x99s or JAMS\xe2\x80\x99 rules, as applicable. The arbitrator will\ndecide the dispute in accordance with the terms of our\nagreements and applicable substantive law, including the\nFederal Arbitration Act and applicable statutes of limitation.\nThe arbitrator shall honor claims of privilege recognized at\nlaw. Except as otherwise provided, the arbitrator may award\ndamages or other relief (including injunctive relief) available\nto the individual claimant under applicable law. The\narbitrator will not have the authority to award relief to, or\nagainst, any person or entity who is not a party to the\narbitration. An award in arbitration shall determine the rights\nand obligations between the named parties only, and only\nwith respect to the dispute in arbitration and shall not have\nany bearing on the rights and obligations of any other\npersons, or on the resolution of any other dispute. The\narbitrator will take reasonable steps to protect your Account\ninformation and other proprietary or confidential information.\nAny arbitration hearing shall take place in the same city as\nthe U.S. District Court closest to your home address, unless\nthe parties agree in writing to a different location or the\narbitrator so orders. If you seek a total recovery of $10,000\nor less, you may choose whether the arbitration will be\nconducted solely on the basis of documents submitted to\nthe arbitrator, through a telephonic hearing, or by an inperson hearing in accordance with AAA\xe2\x80\x99s or JAMS\xe2\x80\x99 rules. At\nyour or our request, the arbitrator will issue a reasoned\nwritten decision sufficient to explain the essential findings\nand conclusions on which the award is based. The\narbitrator\xe2\x80\x99s award shall be final and binding, subject to\njudicial review only to the extent allowed under the Federal\nArbitration Act. You or we may seek to have the award\nvacated or confirmed and entered as a judgment in any\ncourt with jurisdiction.\ng. No Class Action or Joinder of Parties. You and we\nagree that no class action, private attorney general or other\nrepresentative claims may be pursued in arbitration and no\nsuch action may be pursued in court if either you or we elect\narbitration. Unless mutually agreed to by you and us, claims\nof two or more persons may not be joined, consolidated, or\n\notherwise brought together in the same arbitration (unless\nthose persons are joint account holders or beneficiaries on\nyour Account or related accounts, or parties to a single\ntransaction or related transaction).\nh. Public Injunctive Relief Waiver. If either you or we\nelect to arbitrate a dispute, neither you nor we will have the\nright to seek a public injunction in arbitration or in court, if\nsuch a waiver is permitted by the FAA. If any waiver of\npublic injunctive relief in this arbitration provision (as set\nforth in any part of this arbitration provision) is found to be\ninvalid or unenforceable, and that decision is not reversed\non appeal, any claim for a public injunction will be decided\nin court after all other disputes to be decided in arbitration\nunder this arbitration provision are arbitrated and the\narbitration award regarding individual relief has been\nentered in court. In no event will a claim for public\ninjunctive relief be arbitrated. As set forth in \xe2\x80\x9cSeverability\xe2\x80\x9d\nbelow, the invalidity or unenforceability of this paragraph\nwill not affect the validity or enforceability of the remainder\nof this arbitration provision.\ni. Arbitration Costs. We will pay the filing,\nadministrative and/or arbitrator\xe2\x80\x99s fees or compensation\n(\xe2\x80\x9cArbitration Fees\xe2\x80\x9d) that we are required to pay pursuant to\nthe arbitration forums\xe2\x80\x99 rules or the law. In addition, with\nrespect to Arbitration Fees that you are required to pay\nunder the arbitration forum\xe2\x80\x99s rules in connection with an\nindividual arbitration you have commenced against us, if you\nwould like us to consider paying them because you are\nunable to do so, you must first request a waiver or reduction\nof the Arbitration Fees from the arbitration forum. If the\nrequest is denied or you remain unable to pay the reduced\nArbitration Fees, we will consider paying them if we receive\na written request by you sent to Bank of the West Legal\nDepartment, 180 Montgomery Street, San Francisco,\nCalifornia 94104.\nj. Applicable Law. You and we are participating in\ntransactions that involve interstate commerce and this\narbitration provision and any resulting arbitration are\ngoverned by the Federal Arbitration Act. To the extent state\nlaw applies, the laws of the state governing your Account\nrelationship apply. No state statute pertaining to arbitration\nshall apply.\nk. Severability. Except as provided in \xe2\x80\x9dPublic Injunctive\nRelief Waiver,\xe2\x80\x9d if any part of this arbitration provision\nregarding joinder, consolidation, class actions, class\narbitrations, general public or private attorney general\nactions is found to be illegal or unenforceable, that invalid\npart shall not be severable and this entire agreement to\narbitrate disputes shall be unenforceable. If any other part of\nthis arbitration provision, including \xe2\x80\x9cPublic Injunctive Relief\nWaiver,\xe2\x80\x9d is deemed to be invalid or unenforceable, that\ninvalid part will be severed from the remainder of this\narbitration provision and the remainder of this arbitration\nprovision will be enforced.\n\nYOUR BILLING RIGHTS\nKeep This Notice for Future Use\nThis notice contains important information about your rights and our responsibilities\nunder the Fair Credit Billing Act\n.\nWhat To Do If You Find a Mistake on Your Statement\n\xe2\x80\xa2 Description of problem: If you think there is an error\nIf you think there is an error on your statement, write to us\non your bill, describe what you believe is wrong and\nat:\nwhy you believe it is a mistake.\nBank of the West\nYou must contact us:\nBankCard Customer Service Department\n\xe2\x80\xa2 Within 60 days after the error appeared on your\nPO Box 2319\nstatement.\nOmaha, NE 68172-9793\n\xe2\x80\xa2 At least 3 business days before an automated\nIn your letter, give us the following information:\npayment is scheduled, if you want to stop payment\n\xe2\x80\xa2 Account information: Your name and Credit Card\non the amount you think is wrong.\naccount number.\nYou must notify us of any potential errors in writing. You\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected\nmay call us, but if you do we are not required to investigate\nerror.\nany potential errors and you may have to pay the amount in\nquestion.\nBW-WECCAG (Rev. 10/2020)\n\n\x0cWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you\nthat we received your letter. We will also tell you if we\nhave already corrected the error.\n2. Within 90 days of receiving your letter, we must either\ncorrect the error or explain to you why we believe the bill\nis correct. While we investigate whether or not there\nhas been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or\nreport you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your\nstatement, and we may continue to charge you\ninterest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in\nquestion, you are responsible for the remainder of\nyour balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your\ncredit limit.\nAfter we finish our investigation, one of two things will\nhappen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the\namount in question or any interest or other fees\nrelated to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will\nhave to pay the amount in question, along with\napplicable interest and fees. We will send you a\nstatement of the amount you owe and the date\npayment is due. We may then report you as\ndelinquent if you do not pay the amount we think\nyou owe.\nIf you receive our explanation but still believe your bill is\nwrong, 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\ndelinquent without also reporting that you are questioning\nyour bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those\norganizations know when the matter has been settled\nbetween us.\nIf we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill\nis correct.\nYour Rights If You Are Dissatisfied With Your Credit\nCard Purchases\nIf you are dissatisfied with the goods or services that you\nhave purchased with your credit card and you have tried in\ngood faith to correct the problem with the merchant, you\nmay have the right not to pay the remaining amount due on\nthe purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state\nor within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50.\n(Note: Neither of these are necessary if your purchase\nwas based on an advertisement we mailed to you, or if\nwe own the company that sold you the goods or\nservices.)\n2. You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses your Credit Card account do\nnot qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still\ndissatisfied with the purchase, contact us in writing at:\n\nBank of the West\nBankCard Customer Service Department\nPO Box 2319\nOmaha, NE 68172-9793\nWhile we investigate, the same rules apply to the disputed\namount as discussed above.\nAfter we finish our\ninvestigation, we will tell you our decision. At that point, if\n\nBW-WECCAG (Rev. 10/2020)\n\nwe think you owe an amount and you do not pay, we may\nreport you as delinquent.\nNOTICE FOR WISCONSIN RESIDENTS: Any holder of this\nCredit Card Agreement is subject to all claims and defenses\nwhich the debtor could assert against the seller of goods or\nservices obtained pursuant hereto or with the proceeds\nhereof. Recovery hereunder by the debtor shall not exceed\namounts paid by the debtor hereunder.\n\n\x0c"


b'8385 Edgewood Road\nBerrien Springs, MI 49103\n\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card are\naccurate as of ______________ . You can contact us toll free at (800) 442-2800 or 8385 Edgewood Road, Berrien Springs, MI\n49103 to inquire if any changes occurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nAnnual Percentage Rate (APR)\nfor Purchases, Cash Advances,\n& Balance Transfers\n\nHonor Select Rewards\n\nHonor Select\n\n12.49 % to 25.00 %\n\n8.49 % to 25.00 %\n\ndepending on your credit history. This\nAPR will vary with the market based on\nthe Prime Rate.\n\ndepending on your credit history. This\nAPR will vary with the market based on\nthe Prime Rate.\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not\ncharge you interest on purchases if you pay your entire new purchase balance by the\ndue date each month. We will begin charging interest on cash advances and balance\ntransfers on the date the cash advance or balance transfer is posted to your account.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain your\nAccount\n- Annual Fee:\n- Application Fee:\n\nNone\nNone\n\nTransaction Fees\n- Balance Transfer:\n- Cash Advance:\n- Foreign Transaction:\n\nNone\nNone\n1% of each transaction in U.S. dollars if the transaction involves a currency conversion\n0.8% of each transaction in U.S. dollars if the transaction does not involve a currency\nconversion\n\nPenalty Fees\n- Late Payment:\n- Over-the-Credit Limit:\n- Returned Payment:\n\nUp to $40.00 if your payment is late 2 days or more.\nNone\nUp to $40.00 if your payment is returned for any reason.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nMinimum Payment Requirement: 1.5% of the outstanding balance or $25.00, whichever is greater.\n\n9009 LASER FPDF FI14355 Rev 11-2019\n\npage 1 of 4\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cCREDIT CARD AGREEMENT\n\nIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS HONOR CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU\nAGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY\nINTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE\nWITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF\nCREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE\nTHAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE\nAND/OR FEDERAL LAW. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other\naccount that would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans will also\nsecure your obligations under this Agreement, unless that other collateral\nis your principal residence or non-purchase money household goods.\nUsing Your Card. You can purchase or lease goods and services from any\nmerchant who honors your Card, and you may obtain cash advances from\nfinancial institutions and ATM machines that accept the Card, up to your\nmaximum credit limit. You agree not to present your Card or obtain a cash\nadvance for any extension of credit in excess of your available credit limit;\nhowever, if you do exceed your credit limit, you agree to make immediate\npayment sufficient to bring the balance below the credit limit. Certain\npurchases and cash advances require authorization prior to completion of the\ntransaction. In some cases, you may be asked to provide identification. If our\nsystem is not working, we may not be able to authorize a transaction, even\nthough you have sufficient credit available. Also, for security reasons, we may\nblock the use of your Card in certain countries or geographic areas. We will\nhave no liability to you or others if any of these events occur.\nNotification Address For Information Reported to Consumer Reporting\nAgencies. We may report the status and payment history of your Account to\ncredit reporting agencies each month. If you believe that the information we\nhave reported is inaccurate or incomplete, please notify us in writing at: Honor\nCredit Union, 8385 Edgewood Road, Berrien Springs, MI 49103. Please\ninclude your name, address, home telephone number and Account number\nPersonal Identification Number (PIN). We\nmay issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential\nand should not be disclosed to anyone. You may use your PIN and your Card\nto access your account, and all sums advanced will be added to your account\nbalance. In the event a use of your PIN constitutes an Electronic Funds\nTransfer, the terms and conditions of your Electronic Funds Transfer\nAgreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases,\ncash advances, and balance transfers made by you or anyone whom you\nauthorize to use the Card; (b) all Interest Charges and all other charges or\nfees; (c) collection costs and attorney\'s fees as permitted by applicable law,\nand any costs incurred in the recovery of the Card; and (d) credit in excess of\nyour credit limit that we may extend to you.\nIllegal Transactions. You agree that your Card and account will not be used\nto make or facilitate any illegal transactions as determined by applicable law;\nand that any such use will constitute an event of default under this Agreement.\nWe may decline any transaction that we believe to be illegal under applicable\nlaw, including but not limited to any transaction involving or relating to any\ngambling activity. You agree that we will have no liability or responsibility for\nany such use by you or any authorized user(s); or for declining any such\ntransaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or\nindirectly from such illegal use. You promise to pay us any and all amounts\nowing on your Card for any transactions made by you, even if the transaction\nis determined to be illegal.\n\n9011 FPDF FI14355 Rev 11-2019\n\nJoint Accounts. Each of you will be responsible, jointly and severally, for the\nrepayment of amounts owed, regardless of who initiated any transaction\nunder the account.\nOthers Using Your Account. If you allow anyone else to use your account,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases and advances made by anyone you authorize to use your\naccount, whether or not you notify us that he or she will be using it. If\nsomeone else is authorized to use your account and you want to end that\nperson\'s privilege, you must notify us in writing, and if he or she has a Card,\nyou must return that Card with your written notice for it to be effective.\nOwnership of Card. Your Card remains our property and may be cancelled\nby us at any time without notice. You agree to surrender your Card and to\ndiscontinue use of the account immediately upon our request.\nInterest Charges. Average Daily Balance including new transactions:\nInterest Charges will accrue on your average daily balance outstanding during\nthe month. To get the average daily balance, we take the beginning balance\neach day, add any new purchases, cash advances, balance transfers or other\nadvances, and subtract any payments, unpaid interest charges, and unpaid\nlate charges. This gives us the daily balance. Then, we add up all the daily\nbalances for the billing cycle and divide that by the number of days in the\nbilling cycle. We then multiply that by the periodic rate corresponding to the\nAnnual Percentage Rate on your account. If you have different rates for\npurchases, cash advances or balance transfers, separate average daily\nbalances for each will be calculated and the appropriate periodic rate is then\napplied to each.\nFINANCE CHARGE. You agree to pay interest at the rate(s) disclosed to you\nat the time you open your account and as may be changed from time to time\nin accordance with applicable law. Your account is subject to a variable rate.\nYour ANNUAL PERCENTAGE RATE (APR) may increase or decrease if the\nIndex used by the Credit Union increases or decreases. The Index is the\nhighest rate of interest identified as the \xe2\x80\x9cPrime Rate\xe2\x80\x9d in the \xe2\x80\x9cMoney Rates\xe2\x80\x9d\nsection of The Wall Street Journal on the Wednesday preceding the billing\ncycle. To determine the ANNUAL PERCENTAGE RATE that will apply to your\naccount, a Margin is added to the value of the Index. The Margin applicable to\nyour account will be determined by your creditworthiness. For example, based\nupon a margin of ____\n5.24 % (your margin may be different depending on your\ncredit score), plus an Index value of _____\n3.25 % (which was the value of the\n10/01/20 ), your Account would be subject to a FINANCE CHARGE\nIndex on _______\n8.49\n% with a\n(interest) at an ANNUAL PERCENTAGE RATE OF _____\ncorresponding Monthly Periodic rate of 0.7075\n____ %. The ANNUAL\nPERCENTAGE RATE can change once each month effective the first day of\nthe billing cycle. APR changes will reflect on the following month\xe2\x80\x99s statement.\nThere is no limit on the amount by which the ANNUAL PERCENTAGE RATE\ncan change except that the ANNUAL PERCENTAGE RATE will never be\nmore than 25.00%. In no event will the rate ever exceed the maximum rate\npermitted by law. Any change in the ANNUAL PERCENTAGE RATE affects\nthe entire balance involved and is effective at the beginning of the first billing\ncycle which follows the change. The Credit Union reserves the right to\nsubstitute a similar index if the Index described above becomes unavailable.\nGrace Period on Purchases Only: You can avoid Interest Charges on\npurchases by paying the full amount of the new balance for purchases each\nmonth by the date on which the payment is due. Otherwise, the new balance\nof your account, and subsequent advances from the date they are posted to\nthe account, will be subject to an Interest Charge. You cannot avoid Interest\nCharges on cash advances and balance transfers; even if you pay the entire\ncash advance balance or balance transfer balance by the payment due date,\nyou will incur the Interest Charges accrued from the date the cash advance or\nbalance transfer is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree to also\npay any and all fees that you incur as disclosed to you on your Truth-inLending Statement or similar disclosures (as may be amended from time to\ntime), or as disclosed to you during the term of your Card.\n\npage 2 of 4\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIN THIS AGREEMENT, "YOU" AND "YOUR" MEAN ANY PERSON WHO ACCEPTS THIS AGREEMENT OR USES THE CARD. THE "CARD" MEANS ANY CREDIT CARD ISSUED TO YOU OR THOSE\nDESIGNATED BY YOU UNDER THE TERMS OF THIS AGREEMENT. "WE", "US", "OUR" AND THE "CREDIT UNION" MEANS HONOR CREDIT UNION OR ITS SUCCESSORS. BY USING YOUR CARD, YOU\nAGREE TO ALL OF THE TERMS AND CONDITIONS SET FORTH HEREIN.\n\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You\nagree to notify us immediately if your Card is ever lost or stolen or if an\nunauthorized use may have occurred. "Unauthorized use" means the use of\nthe Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The\ntelephone number to call is 800.442.2800. You agree to follow up your call\nwith notice in writing to us at: 8385 Edgewood Road, Berrien Springs, MI\n49103. You also agree to assist us in determining the facts, circumstances\nand other pertinent information relating to any loss, theft or possible\nunauthorized use of your Card and comply with such procedures as we may\nrequire in connection with our investigation. You will have no liability for\nMasterCard transactions not authorized by you, provided that you have\nexercised reasonable care in safeguarding the Card from risk of loss or theft,\nand upon becoming aware of such loss or theft, you promptly report the loss\nor theft to us.\nMinimum Payment Due; Crediting of Payments. Payments are due in the\namount and on the date disclosed on your billing statement. If your payment\nis received by us on a business day at the address and by the time\ndesignated on the billing statement, it will be credited to your account on the\ndate of receipt. If payment is made at any location other than the address\ndesignated on the periodic statement, credit for such payment may be\ndelayed up to five (5) days. Payments will be applied in any order we\ndetermine, subject to applicable law.\nDefault; Acceleration; Credit Suspension; Collection Costs. You will be in\ndefault if: (1) you fail to make any payment on time; (2) if you fail to keep any\npromises you have made under this Agreement or under other Agreements\nyou have with us; (3) if you die; (4) if you file a petition in bankruptcy or have a\nbankruptcy petition filed against you, or if you become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of your funds held by us via legal process or if you have a judgment\nor tax lien filed against you; (6) if you make any false, inaccurate, or\nmisleading statements in any credit application or credit update; or (7) if we, in\ngood faith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your\nfull account balance without giving you notice. If immediate payment is\ndemanded, you agree to continue paying interest charges and fees until what\nyou owe has been paid, and any shares that were given as security for your\naccount may be applied towards what you owe. You agree to pay all\nreasonable costs of collection, including court costs and attorney\'s fees, and\nany costs incurred in the recovery of the Card, subject to applicable law. Even\nif your unpaid balance is less than your credit limit, you will have no credit\navailable during any time that any aspect of your account is in default.\nSuspension of electronic services and access to share or deposit\naccounts. Subject to applicable law, we may suspend some or all electronic\nservices and access to your checking or other account(s) if you become\ndelinquent on any of your credit card or deposit obligations to us or you cause\na loss to us. We shall not be liable to you in any regard in connection with\nsuch suspension of services.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You\nunderstand that we are not obligated to offer such services and may withdraw\nor change them at any time.\nConvenience Checks. We may, at our discretion, issue checks to you which\nmay be used for any purpose other than making a payment for credit to your\naccount. By signing such check, you authorize us to pay the item for the\namount indicated and post such amount as a cash advance to your account.\nWe do not have to pay any item which would cause the outstanding balance\nin your account to exceed your credit limit.\nCredit Review and Release of Information. You authorize the Credit Union\nto investigate your credit standing when opening or reviewing your Account.\nYou authorize the Credit Union to disclose information regarding your Account\nto credit bureaus and creditors who inquire about your credit standing. If your\naccount is eligible for emergency cash and/or emergency card replacement\nservices, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide\nyou with the requested service(s), including personal data to MasterCard for\nthe purpose of providing you with MasterCard Emergency Cash or\nMasterCard Emergency Card Replacement services.\n9011 FPDF FI14355 Rev 11-2019\n\nForeign Transactions; Currency Conversion. Purchases\nand cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The\nconversion rate in dollars will be a rate selected by the card company from a\nrange of rates available in wholesale currency markets for the applicable\ncentral processing date, which rate may vary from the rate the card company\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. All transactions processed outside\nof the United States (which may include internet transactions) will be charged\na foreign transaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your\nobligation to repay any balance on your account resulting from use of the\nCard as well as Interest Charges and fees incurred. We may change the\nterms of this Agreement, including the method of calculating the periodic rate,\nat any time, by written notice, subject to applicable law. Use of the Card\nconstitutes agreement and acceptance of any change in terms, unless\napplicable law requires otherwise. Our failure to exercise any of our rights or\nto take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\nLate or Partial Payments. Any payment that delays the reduction of your\nbalance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment - you will still need\nto make the minimum scheduled payment by the next scheduled due date to\nkeep your account current. We may accept late payments, partial payments,\nchecks or money orders marked "payment in full" and such action shall not\nconstitute final settlement of your account or a waiver or forgiveness of any\namounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement\nif we delay enforcing them. If any provision of this or any related agreement is\ndetermined to be unenforceable or invalid, all other provisions remain in full\nforce and effect.\nReturns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. If your credits and payments\nexceed what you owe us, the amount will be applied against future purchases\nand cash advances. If the credit balance amount is $1 or more, it will be\nrefunded upon your written or verbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a)\nyour purchase was made in response to an advertisement we sent or\nparticipated in sending you; or (b) your purchase cost more than $50 and was\nmade from a plan merchant in your state or within 100 miles of your home;\nand only if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the plan merchant. You must resolve all other\ndisputes directly with the plan merchant. We do not warrant any merchandise\nor services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the\nmost recent postal address or e-mail address (if you have elected to receive\nsuch documents via electronic means) you have given us. Notice sent to any\none of you will be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change\nyour address for any reason. In order to prevent identity theft, your identity\nmay need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this\nAgreement.\nGoverning Law. This Agreement shall be construed under federal law and\nstate law in the state in which we are primarily located, and the venue shall be\nlocated in the county and state in which we are primarily located. Operating\nregulations of MasterCard may also apply. This Agreement is the contract that\napplies to all transactions even though the sales, cash advance, convenience\ncheck, credit or other slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between you and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\n\npage 3 of 4\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military\nLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (\xe2\x80\x9cMLA\xe2\x80\x9d)), and (a) your loan is unsecured or secured by personal property or a vehicle\nthat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving\nline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive\nthis notice verbally, please call 1-800-442-2800 during our normal business hours: Monday \xe2\x80\x93 Friday 8:00 am \xe2\x80\x93 8:00 pm, Saturday 9:00 am \xe2\x80\x93 12:00 pm.\n2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection\nwith this loan (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization\nprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject\nto the Military Lending Act.\nHowever, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the\nsums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.\n3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to\nwaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from\nyou in order to exercise your legal rights; or (d) Prepayment penalties.\n4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to\nthese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms\nand conditions of the consumer credit contract shall remain in full force and effect.\nYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair 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(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you\ndo, we are not required to investigate any potential errors and you may have\nto 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\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen report you as delinquent if you do not pay the amount we think you\nowe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto 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\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe 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\nof 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\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on\nthe 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\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith 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\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\n9011 FPDF FI14355 Rev 11-2019\n\npage 4 of 4\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA ELITE\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nAPR for Balance Transfers\n\nAPR for Cash Advances\n\nPenalty APR and When it Applies\n\n9.90% , 10.90%, 15.90% or 17.90%\n\n, when you open\nyour account, based on your creditworthiness. This APR will vary with the\nmarket based on the Prime Rate.\n12.90% , 13.90% or 18.00% , when you open your account, based on\nyour creditworthiness. This APR will vary with the market based on the\nPrime Rate.\n12.90% , 13.90% or 18.00% , when you open your account, based on\nyour creditworthiness. This APR will vary with the market based on the\nPrime Rate.\n18.00%\nThis APR may be applied to your account if you:\n- Make a late payment.\nHow Long Will the Penalty APR Apply? If your APRs are increased for\nthis reason, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\n\nHow to Avoid Paying Interest on\nPurchases\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nTransaction Fees\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nIf you are charged interest, the charge will be no less than $0.50.\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\n$0.95\n1.00% of each transaction in U.S. dollars\nUp to $10.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.\nMinimum Interest Charge:\nThe minimum interest charge will be charged on any dollar amount.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: April 1, 2020.\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02006646-MXC10-P-4-072817 (MXC101-E)\n\n\x0cThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Elite is a secured credit card. Credit extended under this credit card account is\nsecured by various personal property and money including, but not limited to: (a) any goods you purchase with\nthis account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares,\n(c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual\nRetirement Account or in any other account that would lose special tax treatment under state or federal law, and\n(d) collateral securing other loans you have with the Credit Union excluding dwellings. Notwithstanding the\nforegoing, you acknowledge and agree that during any periods when you are a covered borrower under the\nMilitary Lending Act your credit card will be secured by any specific Pledge of Shares you grant us but will not be\nsecured by all shares you have in any individual or joint account with the Credit Union. For clarity, you will not be\ndeemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower;\nor (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$10.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making a\npayment.\nCash Advance Fee (Finance Charge):\n$0.95.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nCard Replacement Fee:\n$10.00.\nEmergency Card Replacement Fee:\n$20.00.\nPay-by-Phone Fee:\n$10.00.\nRush Fee:\n$20.00.\nStatement Copy Fee:\n$5.00.\nCopy of Sales Draft Fee:\n$2.00.\nOriginal Sales Draft Fee:\n$6.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02006646-MXC10-P-4-072817 (MXC101-E)\n\n\x0c'


b'~METRO\nu\nCREDIT UNION\n\nAPPLICATION AND\nSOLICITATION\nDISCLOSURE\n\n200 Revere Beach Parkway\nChelsea , MA 02150\n877-696-3876\n\nV ISA\nVISA SECURED\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n15.90%\n\nAPR for Balance Transfers\n\n15.90%\n\nAPR for Cash Advances\n\n15.90%\n\nPenalty APR and When it Applies\n\n18.00%\nThis APR may be applied to your account if you:\n- Make a late payment.\nHow Long Will the Penalty APR Apply? If your APRs are increased for\nthis reason, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\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\nTransaction Fees\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nIf you are charged interest, the charge will be no less than $0.50.\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\n$59.00\n$0.95\n1.00% of each transaction in U.S. dollars\nUp to $10.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.\nMinimum Interest Charge:\nThe minimum interest charge will be charged on any dollar amount.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: September 27, 2017\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Secured is a secured credit card. Credit extended under this credit card\naccount is secured by various personal property and money including, but not limited to: (a) any goods you\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02006646-MXC10-P-3-072817 (MXC101-E)\n\n\x0cpurchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate\nPledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding\nshares in an Individual Retirement Account or in any other account that would lose special tax treatment under\nstate or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the Credit Union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$10.00 or the amount of the required minimum payment, whichever is less, if you are 16 or more days late in making a\npayment.\nAnnual Fee:\n$59.00.\nCash Advance Fee (Finance Charge):\n$0.95.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nCard Replacement Fee:\n$10.00.\nEmergency Card Replacement Fee:\n$20.00.\nPay-by-Phone Fee:\n$5.00.\nRush Fee:\n$20.00.\nStatement Copy Fee:\n$5.00.\nCopy of Sales Draft Fee:\n$2.00.\nOriginal Sales Draft Fee:\n$6.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n02006646-MXC10-P-3-072817 (MXC101-E)\n\n\x0c'