b'3/9/2021\n\nPlease sign on to your account to view your Cardholder Agreement with your specific account terms.\n\nThe Mission Lane Visa\xc2\xae Credit Card\nAccount Opening Disclosure\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\n\n19.49% - 29.99%\n\nYour APR will vary with the market based on the Prime Rate.*\n\nPurchases\n\nAPR for Cash Advances\n\nPaying Interest\n\n27.74% - 29.99%\n\nYour APR will vary with the market based on the Prime Rate.*\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest\non purchases if you pay your entire balance by the due date each month. We will begin charging\ninterest on cash advances on the transaction date or the first day of the billing cycle in which the\ntransaction is posted, whichever is later.\n\nMinimum Interest Charge\n\nFor Credit Card Tips from the\nConsumer Financial Protection\n\nIf you are charged interest, the charge will be no less than $0.50\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nBureau\n\nFees\n\n1/19\n\n\x0c3/9/2021\n\nAnnual Fee\n\n$0 - $75\nNOTICE: This annual fee will be assessed when you begin using your card and will reduce the amount\nof credit you initially have available. For example, if you are assigned the minimum credit limit of $300,\nyour initial available credit will be only about $225.\nYou may still reject this plan, provided that you have not yet used the account. If you do reject the plan,\nyou are not responsible for any fees or charges.\n\nTransaction Fees\nCash Advance\nForeign Transaction\n\nThe greater of $10 or 3% of each cash advance.\nIf the transaction occurs at a merchant outside of the U.S., the fee is 3% of the U.S. dollar amount of the\ntransaction, regardless of whether a currency conversion is performed at the time of the transaction.\n\nPenalty Fees\nLate Payment\n\nUp to $25\n\nHow Will We Calculate Your Balance:\nWe use a method called \xe2\x80\x9cAverage Daily Balance (including new transactions).\xe2\x80\x9d See your Cardholder Agreement for more details.\nBilling Rights:\nInformation on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Agreement.\n*How We Calculate Variable Rates: For each billing period, variable rates may change when the Prime Rate changes. We calculate variable rates by adding\na margin to the Prime Rate published in The Wall Street Journal on the 25th day of each month. If the Journal is not published on that day, then see the\nimmediately preceding edition. If the Prime Rate changes, your new rate will take effect on your next billing period.\n2/19\n\n\x0c3/9/2021\n\na. The margin which will be added to the Prime Rate for purchases is 16.24% - 26.74% (daily periodic rate currently 0.04449% 0.07326%).\nb. The margin which will be added to the Prime Rate for cash advances is 24.49% - 26.74% (daily periodic rate currently 0.06710% 0.07326%).\n\nAny increase in the Prime Rate may increase your Interest Charges and your Minimum Payment.\n\nYOUR CARDHOLDER AGREEMENT INCLUDES AN ARBITRATION PROVISION.\nPLEASE SEE BELOW FOR DETAILS.\n\nTHE MISSION LANE VISA\xc2\xae CREDIT CARD CARDHOLDER AGREEMENT\n(Effective: December 2020)\nThis Mission Lane Visa\xc2\xae Credit Card Cardholder Agreement, together with your Mission Lane Visa\xc2\xae Credit Card Account Opening Disclosure,\nArbitration Provision, and card carrier (collectively, the \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the use of The Mission Lane Visa\xc2\xae Credit Card (\xe2\x80\x9cCard\xe2\x80\x9d) and related\ncredit account (\xe2\x80\x9cAccount\xe2\x80\x9d). All of the separate documents governing the Account, and any future changes we may make to this Agreement, are\npart of this Agreement. Please read this Agreement and retain a copy for your records. This Agreement will become effective when you (or a\nperson authorized by you) activate your Card by following the instructions on the sticker on the Card, by contacting us with your request to activate\nthe Card, and make a transaction using the Card. Your first transaction must be a Purchase (as defined below) and not a Cash Advance (as\ndefined below). Your use of the Card is your consent to be bound by the terms of this Agreement.\n3/19\n\n\x0c3/9/2021\n\nThe Card is issued by Transportation Alliance Bank, Inc. dba TAB Bank (\xe2\x80\x9cTAB\xe2\x80\x9d), Ogden, UT, pursuant to a license from Visa U.S.A. Inc. TAB is the\ncreditor and Card issuer, and delegates servicing and other rights to Mission Lane LLC ("Mission Lane"). As used in this Agreement: \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d\nand \xe2\x80\x9cour\xe2\x80\x9d mean TAB as the Card issuer and creditor, or Mission Lane in its capacity as servicer, and any assignee or successor of either of their\nrights. The words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean all persons responsible for complying with this Agreement, including the applicant, any guarantor and the\nperson to whom we address Account statements.\nUse of the Card and Account: You may use the Card only for personal, family, or household purposes to purchase or lease goods or services at\nparticipating merchants (each such transaction, a "Purchase"), to obtain cash advances from us or obtain cash or cash equivalents (each such\ntransaction, a "Cash Advance") and to take advantage of other features of the Card. Cash Advances include: (a) using any convenience check we\nprovide you; (b) obtaining funds through an automated teller machine (ATM) or a financial institution; (c) purchasing a wire transfer, money order,\nforeign currency, travelers checks, lottery ticket, stored value load or other item that is a cash equivalent; (d) making a transfer of a balance from\nanother account if we allow such transfers; or (e) engaging in any similar transaction.\nYou agree to use the Card and Account only for legal and lawful purposes. Neither the Card nor the Account may be used for gambling purposes,\nwhether online or otherwise, or for the purpose of paying us on this or any other form of credit account you may have with us. If you do use your\nCard for any such purpose, you will be in default under this Agreement and we may block such transactions and/or terminate your Account, but\nyou still will be liable to us for all charges relating to such transactions and all other transactions on your Account at the time it is closed\nPromise to Pay: You promise to pay us for all amounts charged to the Account, including all transactions, interest, fees and charges charged to\nyour Account. You are obligated to repay us for all transactions made using your Card by people you have authorized to use the Card even if their\nuse of the Card exceeds the authorization which you gave them.\nPreauthorized Recurring Merchant Transactions: You may authorize a merchant to automatically initiate a transaction on a recurring basis to\nyour Account. Upon the issuance by us of a new Card with a new Account number of expiration date, you must contact the merchant to provide\nsuch updated information in order to continue the recurring transactions. You authorize us to provide an updated Account number or Card\nexpiration date to any merchant at our discretion. Contact the merchant to stop automatic billing.\nForeign Currency Transactions: If you make a transaction using your Account in a foreign currency (including, for example, online purchases\nfrom a merchant located outside of the U.S.), the transaction will be converted to U.S. dollars based on a rate selected by VISA U.S.A. Inc. (or any\nof its affiliates) from the range of rates available in wholesale currency markets for the applicable central processing date (which may vary from the\n4/19\n\n\x0c3/9/2021\n\nrate VISA U.S.A. Inc. itself receives) or the government-mandated rate in effect for the applicable central processing date. The currency conversion\nrate used by VISA U.S.A. Inc. (or any of its affiliates) on the currency conversion date may differ from the exchange rate in effect on the day you\nmade the transaction or on the day the transaction is posted to your Account. Our fee is a percentage of the U.S. dollar amount of the transaction.\nCredit Limits: Your card carrier we have provided you sets forth the initial total credit limit for your Account which includes your separate credit\nlimit for Cash Advances. On your monthly statements, we will provide information about your credit limits and remaining credit as of the monthly\nstatement date. You agree not to engage in any transaction that would cause any outstanding balance to exceed a credit limit (or would increase\nthe amount by which any outstanding balance exceeds a credit limit) (an "Over-the-Credit Limit Transaction"). We are not required to honor any\nOver-the-Credit Limit Transaction even if we have honored one or more Over-the-Credit Limit Transactions in the past. However, if we do, you\nagree to pay upon demand the amount that is in excess of the applicable credit limit.\nWe will evaluate your Account at least once within the first 12 months as a customer with us to determine whether you are eligible to have your\ncredit limit increased from your initial credit limit as stated on your card carrier based on certain factors, including but not limited to: 1) your history\nof on-time payments; 2) whether you are in good standing with our other products; 3) whether the Account is or has been over the limit; 4) whether\nor not the Account is currently or has been restricted from charging privileges; 5) whether or not you have closed the Account or have filed for\nbankruptcy; 6) whether you have an actual ability to pay the higher credit limit. At any time after your Account has been considered for a credit limit\nincrease during your first 12 months as a customer with us, at our discretion, and subject to applicable law, we may increase or decrease your\ncredit limits at any time and will provide you notice if we do so.\nCash Advance Limit: Your Account is subject to a Cash Advance limit equal to 25% of your total credit limit. This means we will not honor Cash\nAdvance transactions that would cause the total amount of outstanding and unpaid Cash Advances to exceed 25% of your overall credit limit.\nPayments:\n1. Payment Amount. Your Account will be on a monthly billing cycle. Each month, you must pay at least the Total Minimum Payment by the\nPayment Due Date shown on your monthly statement. The Total Minimum Payment is the New Balance shown on your monthly statement if\nthe amount is equal to or less than $25. Otherwise, it is the greater of 3% of the New Balance (rounded up to the nearest dollar) or $25, plus\nany amount past due. You may pay more than the Total Minimum Payment or you may pay the total outstanding balance at any time.\nWe may accept late payments, partial payments, or any payments marked or specially designated as being payment in full or as being\nsimilarly in settlement of any dispute, without losing any of our rights under this Agreement or under the law to collect all amounts due and\npayable on your Account. Our acceptance of such payments does not mean we agree to change this Agreement in any way. You agree not\n5/19\n\n\x0c3/9/2021\n\nto send us any postdated checks. If you do, we may deposit it immediately upon receipt, despite the later date on the check. If you make a\npayment greater than your Total Minimum Payment, this does not affect your obligation to make the next Total Minimum Payment. We do not\npay interest on overpayments or any other credit balances created in your Account. Credits to your Account, such as from merchants, are\ngenerally not considered payments and will not reduce your Total Minimum Payment.\n2. When Payments Are Due. We must receive at least the Minimum Payment due on your Account by 5:00 p.m. Eastern Time on the Payment\nDue Date of each billing period (\xe2\x80\x9cCut-Off Time\xe2\x80\x9d). Payments received after the Cut-Off Time will be credited as of our next business day.\nCredit to your Account may be delayed for up to five (5) days if we accept a payment that does not adhere to the requirements set forth in\nthis section and on your statement. We may delay increasing your available credit by the amount of any payment for up to twelve (12)\ncalendar days. Nonetheless, we will credit your payment to your Account as of the business day that we receive it, provided we receive your\npayment prior to the Cut-Off Time.\nWe may accept late payments, partial payments, or any payments marked or specially designated as being payment in full or as being\nsimilarly in settlement of any dispute, without losing any of our rights under this Agreement or under the law to collect all amounts due and\npayable on your Account. Our acceptance of such payments does not mean we agree to change this Agreement in any way.\n3. Payment Options. You can pay online through your online account, by mail, or by setting up automatic payments. Your payment must be\nmade in U.S. dollars with a draft or a check drawn on a U.S. bank and payable in U.S. dollars, or with a telephonic or electronic payment\nauthorization in U.S. dollars.\n4. Payment Allocation. We will apply the required Total Minimum Payment, as shown on your billing statement, to balances on your Account\nusing any method we choose, in accordance with applicable laws and regulations. Although your Total Minimum Payment will be applied in\nany order at our discretion, payments in excess of the Total Minimum Payment will be applied to balances with the highest APR first and\nthen to lower rate balances in descending order of APR.\nFinance Charge Calculation Method and Computation of Average Daily Balance Subject to Finance Charge:\n1. Daily Periodic Rates. The Daily Periodic Rates for Purchases and Cash Advances are based on APR for Purchases and Cash Advances,\nrespectively, which may be adjusted monthly. The Daily Periodic Rate for Purchases and Cash Advances on your Account is calculated by\ntaking the applicable APR divided by 365.\n2. Periodic Interest Charge Calculation \xe2\x80\x94 Daily Balance Method (including new transactions). We separately calculate a daily balance for\nPurchases and Cash Advances (each, a \xe2\x80\x9cBalance Type\xe2\x80\x9d), and use the daily balances to determine your interest charges for each billing\nperiod. If you are charged interest in a billing cycle, the charge will be no less than $0.50 on Purchases and Cash Advances.\n3. On Purchases, the interest charges for a billing period are computed by applying the Periodic Rate, as shown on the monthly statement, to\nthe Average Daily Balance of Purchases. To get the Average Daily Balance, we take the beginning balance of your Account each day, add\n6/19\n\n\x0c3/9/2021\n\nany new Purchases, and subtract any applicable new payments, credits, fees, and unpaid interest charges. This results in the daily balance\nof Purchases. Then we add up all the daily balances of Purchases for the billing period and divide the total by the number of days in the\nbilling period. This results in the Average Daily Balance of Purchases.\n4. On Cash Advances, the charges for a billing period are computed by applying the Periodic Rate, as shown on the monthly statement, to the\nAverage Daily Balance of Cash Advances. To get the Average Daily Balance of Cash Advances, we take the beginning balance of your\nAccount each day, add any new Cash Advances, and subtract any payments, credits, fees, and unpaid interest charges. This results in the\ndaily balance of Cash Advances. Then we add up all the daily balances of Cash Advances for the billing period and divide the total by the\nnumber of days in the billing period. This results in the Average Daily Balance of Cash Advances. We do not charge interest on Cash\nAdvance Fees.\n5. To determine your interest charge for the billing period, we: 1) multiply your Average Daily Balance by the Daily Periodic Rate for each\nBalance Type, which results in the \xe2\x80\x9cDaily Interest Amount;\xe2\x80\x9d then 2) multiply the Daily Interest Amount by the number of days in the billing\nperiod; and 3) add the results for all Balance Types to get the total interest charges each billing period.\nHow to Avoid Paying Interest: On Purchases, to avoid incurring additional interest charges on the balance of Purchases reflected on your\nmonthly statement and on any new Purchases appearing on your next monthly statement, you must pay the entire "New Balance" in full, as shown\non your monthly statement, on or before the Payment Due Date. Otherwise, interest begins to accrue as of the date of Purchase. There is no grace\nperiod for Cash Advance transactions, and the interest charge begins to accrue from the date you obtained the Cash Advance.\nCheck Conversion Notification; Electronic Check Re-Presentment: If you provide a check as payment, you authorize us and our servicers or\nagents either to use information from your check to make a one-time electronic fund transfer from your bank account or to process the payment as\na check transaction. When we use information from your check to make an electronic funds transfer, funds may be withdrawn from your bank\naccount as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. In the event a\ncheck is returned unpaid for insufficient or uncollected funds, we may re-present the check electronically.\nFees: We will charge the following fees, subject to applicable law:\n1. Late Payment Fee. We will charge a late fee of $25 if we do not receive the Total Minimum Payment due on your Account by the Payment\nDue Date. However, we will not charge a Late Fee exceeding the Minimum Payment Due that is late.\n2. Cash Advance Fee. For each Cash Advance, we will charge a fee of either $10 or 3% of the amount of the Cash Advance, whichever is\ngreater. The Cash Advance Fee is treated as a transaction and added to your balance.\n\n7/19\n\n\x0c3/9/2021\n\nEvents of Default: Subject to applicable law, we may consider your Account in default at any time if: (1) you fail to pay at least the Minimum\nPayment Due by the due date; (2) you attempt to engage in an Over-the-Credit Limit Transaction; (3) you had a returned payment; (4) you breach\nthe terms under this Agreement; (5) we determine that any statement made by you to us in connection with this Agreement was false or\nmisleading; (6) you file for bankruptcy or some other insolvency proceeding is filed by or against you; (7) you are declared incompetent or mentally\nincapacitated, or in the event of your death; or (8) we reasonably believe you are unable or unwilling to repay us.\nDefault Remedies: Upon your default and subject to any limitations or requirements of applicable law: (1) we may declare the entire amount you\nowe us immediately due and payable and/or suspend or cancel your Account privileges; and (2) you agree to pay all reasonable costs, including all\ncourt costs plus all reasonable attorneys\xe2\x80\x99 fees if we must refer your Account for collection to any attorney who is not our employee. A negative\ncredit report reflecting on your credit record may be submitted to a credit reporting agency upon your default.\nEntire Agreement: You acknowledge that this Agreement, as amended (which includes your Account Opening Disclosure, Arbitration Provision,\nand card carrier) constitutes the entire agreement between you and us with respect to the Account and the Card, and supersedes and may not be\ncontradicted by evidence of any prior or contemporaneous written or oral communication or understanding between you and us concerning the\nAccount or the Card. If rewards are offered or provided in connection with the Account, the disclosures relating to such rewards are separate and\nnot part of this Agreement.\nWaiver: Our failure to exercise any of our rights under this Agreement, or our waiver of our rights on any one occasion, shall not constitute a\nwaiver of such rights on any other occasion. We will not lose our rights under this Agreement because we delay in enforcing any of them.\nCredit Reports; Evaluation of Financial Condition and Credit History: You understand and agree that we may obtain a consumer credit\nreport in connection with your request for credit and in connection with any updates, renewals or extensions of any credit as a result of\nyour request. If you ask, you will be informed whether or not such a report was obtained and, if so, the name and address of the agency\nthat furnished the report. You understand and agree that we may obtain a consumer credit report in connection with the review or\ncollection of any transaction on your Account or for other legitimate purposes related to such transactions. California Residents - you\nagree to waive your right to keep confidential from us information under Section 1808.21 of the California Vehicle Code.\nInformation Reporting: We may report information about your Account to other creditors, other financial institutions and credit bureaus.\nLate payments, missed payments, returned payments, or other defaults on your Account may be reflected in your credit report.\n\n8/19\n\n\x0c3/9/2021\n\nInaccurate Information: You have the right to dispute the accuracy of information we have reported. If you think any information about your\nAccount that we have reported to a credit bureau is incorrect, you can notify us by calling us at 855-790-8860 or writing to us at Mission Lane LLC,\nP.O. Box 105286, Atlanta, GA 30348, (the "Notice Address"), Attn: Credit Reporting. Include your name, address, Account number, telephone\nnumber and a brief description of the issue. If available, please include a copy of the credit report in question. We will research your issue and will\nlet you know if we agree or disagree with you. If we agree with you, we will contact the consumer reporting agency we reported to and request a\ncorrection.\nCustomer Privacy: You accept the privacy policy upon use of your Card. The privacy policy can be viewed online at\nhttps://www.missionlane.com/privacy.\nAssignment: We may at any time and without notifying you, sell, transfer or otherwise assign your Account or any Account balances to any party\nat any time. You may not assign or transfer your Account or any of your rights and obligations under this Agreement. Any such assignment or\ntransfer by you will be void.\nChange of Terms: Subject to the Arbitration Provision and requirements of applicable law: (1) You agree that we may, in our sole discretion, from\ntime to time change or delete any of the terms and conditions of, or add new terms and conditions to, this Agreement, including changing the Daily\nPeriodic Rate, APR or the formula used to compute interest charges or increasing or adding fees; (2) any such change will generally be effective\nimmediately unless we are required by applicable law or elect, in our discretion, to provide you with advance written notice of the change (and/or\nthe reasons for the change), afford you the right to reject the change and/or obtain your consent to the change (whether by written agreement,\nthrough the initiation of a Card transaction after a specified date or through some other means); in such instances, the change will be effective if,\nwhen and as stated in such notice; (3) any change may apply to your outstanding Account balance on the effective date of the change and to any\nfuture balances created after that date; (4) no change to any terms of this Agreement will excuse your obligation to pay all amounts owing under\nthis Agreement.\nSuspension/Revocation/Cancellation: Subject to applicable law, we may suspend, revoke or cancel your Account privileges, your right to use\nthe Card, or deny any transaction, in our sole discretion at any time, with or without cause and with or without giving you notice. Any such actions\non our part will not affect your obligation to pay us the outstanding balance, interest and fees under the terms of this Agreement. We are not liable\nfor any refusal to honor your Card or Account, or for the retention of your Card by any person or entity. If we revoke or cancel the Card, you must\nreturn the Card to us if we request. If a merchant that accepts Cards asks you to surrender an expired or revoked Card, you must do so. You may\nnot use a Card after it has expired or after it has been revoked or cancelled. You may cancel your Account at any time. If you ask us to cancel your\n9/19\n\n\x0c3/9/2021\n\nAccount but we believe you have continued to use your Account after the date of cancellation, we will consider such use as your request for\nreinstatement of your Account. We may then reinstate your Account.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to\nextensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed\nan annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit\ninsurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain\napplication fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit\ncard account). You may receive this disclosure orally by calling 844-885-2921.\nSeverability: Subject to the Arbitration Provision: (1) if any part of this Agreement conflicts with applicable law, that law will control, and this\nAgreement will be considered changed to the extent necessary to comply with that law; and (2) if any part of this Agreement is determined by a\ncourt of competent jurisdiction to be invalid, the remainder of this Agreement will remain in effect.\nEvents Outside of Our Control: We do not guarantee that you will always be able to make Purchases or obtain Cash Advances with your Card or\nyour Card will always be accepted when you attempt to use it. We may decline to authorize a transaction for any reason. We will not be liable to\nyou if we decline a transaction or if anyone refuses any use of your Card.\nCommunications: All notices to us must be sent to the Notice Address, with such "Attention" as may be specified in this Agreement. To the extent\npermitted under applicable law, any notice you send us will not be effective until we receive and have had a reasonable opportunity to act on such\nnotice. Any written or electronic correspondence we send to you will, however, be effective and deemed delivered when mailed to you at your mail\naddress (or your email address if you have authorized electronic communications) as it appears on our record.\nTo the extent permitted by applicable law, you authorize us and our affiliates, agents, assigns, marketing associates and service providers\n(collectively, the \xe2\x80\x9cMessaging Parties\xe2\x80\x9d) to contact you using mail, telephone, automatic telephone dialing systems, artificial or prerecorded voice\nmessage systems, text messaging systems and automated email systems in order to provide you with information about this Agreement or your\nAccount, including information about upcoming Payment Due Dates, missed payments and returned payments. You authorize the Messaging\nParties to make such contacts using any telephone numbers or email addresses you supply, from which you contact us, or that we obtain through\nany legal means to any of the Messaging Parties. You understand that anyone with access to your telephone or email account may listen to or read\nthe messages the Messaging Parties leave or send you, and you agree that the Messaging Parties will have no liability for anyone accessing such\n10/19\n\n\x0c3/9/2021\n\nmessages. You further understand that, when you receive a telephone call, text message or email, you may incur a charge from the company that\nprovides you with telecommunications, wireless and/or internet services, and you agree that the Messaging Parties will have no liability for such\ncharges except to the extent required by applicable law. You expressly authorize the Messaging Parties to monitor and record your calls with the\nMessaging Parties. You understand that, at any time, you may withdraw your consent to receive text messages and calls to your cell phone or to\nreceive artificial or prerecorded voice message system calls by calling the Messaging Parties at 855-790-8860 or by writing to us as the Notice\nAddress. To stop text messages, you can also simply reply \xe2\x80\x9cSTOP\xe2\x80\x9d to any text message the Messaging Parties send you. To stop emails, you can\nfollow the opt-out instructions included at the bottom of the Messaging Parties\xe2\x80\x99 emails.\nReports and Notices: We may report information about your Account to other creditors, other financial institutions and credit bureaus. Late\npayments, missed payments, returned payments, or other defaults on your Account may be reflected in your credit report.\nYou have the right to dispute the accuracy of information we have reported. If you think any information about your Account that we have reported\nto a credit bureau is incorrect, or if you think that you have been the victim of identity theft in connection with your Account or in connection with\nany other loan or extension of credit made by us, you can notify us by calling us toll-free at 855-790-8860 or by writing to us at the Notice Address\nprovided above, Attn: Fraud/Dispute. Include your name, address, Account number, telephone number and a brief description of the issue. If\navailable, please include a copy of the credit report in question. We will research your issue and let you know if we agree or disagree with you. If\nwe agree with you, we will contact the consumer reporting agency we reported to and request a correction.\nIf you believe that you have been the victim of identity theft, you should send us a police report or written statement in a form we provide you\nalleging that you are the victim of identity theft for a specific debt. Once we receive your documentation, we will cease debt collection activity until\nwe have reviewed the materials, determined that the debt is still collectible, complied with all obligations described in the Billing Rights Notice\nbelow and sent you a written notice describing the basis for our determination.\nAll bankruptcy notices and related correspondence to us must be sent to us at the Notice Address provided above, Attn: Bankruptcy Notice. You\nmust notify us of any changes to your name, mailing or email address, home, cell or business phone number immediately after such change. You\ncan notify us by calling us toll-free at 855-790-8860 from outside the country, or by writing us at the Notice Address provided above.\nUnauthorized Use of Your Card or Account: You agree to promptly notify us if you believe that your Card has been lost or stolen or that\nsomeone has used or may use your Card of Account without your permission. You agree to assist us in determining the facts, circumstances and\nother pertinent information related to any loss, theft or possible unauthorized use of your Card or Account and to comply with such procedures as\n11/19\n\n\x0c3/9/2021\n\nwe may reasonably require in connection with our investigation, including the filing of one or more reports with the appropriate law enforcement\nauthorities.\nGoverning Law: Except as provided in the Arbitration Provision below, this Agreement and your Account are governed by federal law and, to the\nextent state law applies, the laws of Utah without regard to its conflicts of law principles.\nInadvertent Overcharges: It is not our intention to charge any interest charges, fees or other amounts in excess of those permitted by applicable\nlaw or this Agreement. If any interest charge, fee or other amount is finally determined to be in excess of that permitted by applicable law or this\nAgreement, the excess amount will be credited to your Account or refunded to you.\nCollection Proceedings: To the extent permitted by applicable law, you agree that, in any collection proceeding by us, our servicer, or a direct or\nindirect purchaser of your indebtedness to us, unless you provide affirmative evidence, sufficient to the finder of fact, that our business records are\nincorrect, the records we maintain in the ordinary course of business, including monthly statements and/or summaries of information in our\ncomputer records, certified by any custodian of our records as accurate reflections of statements or information in our business records, provide\nadequate proof of the amounts due hereunder.\nHeadings: The section captions of this Agreement are inserted only for convenience and are in no way to be construed as substantive parts of this\nAgreement.\n\nARBITRATION PROVISION\nPLEASE READ THIS PROVISION OF THE AGREEMENT CAREFULLY. IT PROVIDES THAT ANY DISPUTE MAY BE RESOLVED BY BINDING\nARBITRATION AT EITHER PARTY\xe2\x80\x99S REQUEST. UNLESS YOU PROMPTLY REJECT IT, THE ARBITRATION PROVISION WILL HAVE A\nSUBSTANTIAL AFFECT ON YOUR RIGHTS IN THE EVENT OF A DISPUTE. ARBITRATION REPLACES THE RIGHT TO GO TO COURT,\nINCLUDING THE RIGHT TO A JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR SIMILAR PROCEEDING. IN\nARBITRATION, A DISPUTE IS RESOLVED BY AN ARBITRATOR INSTEAD OF A JUDGE OR JURY. ARBITRATION PROCEDURES ARE\nSIMPLER AND MORE LIMITED THAN COURT PROCEDURES.\n\nTHIS ARBITRATION PROVISION DOES NOT APPLY TO MEMBERS OF THE ARMED FORCES OR OTHER COVERED BORROWERS\nSUBJECT TO THE MILITARY LENDING ACT. IF YOU ARE A MEMBER OF THE ARMED FORCES OR A COVERED BORROWER AND HAVE\n12/19\n\n\x0c3/9/2021\n\nA DISPUTE WITH US THAT CANNOT BE RESOLVED, YOU MAY PURSUE THE DISPUTE IN EITHER COURT OR BY ARBITRATION.\nAgreement to Arbitrate: Maintaining good relationships with our customers is very important to us. We ask that you contact us immediately if you\nhave a problem with your Account or a service we provide. Often a telephone call to us resolves the matter quickly and amicably. However, if you\nand we are unable to resolve our differences informally, you agree by opening or maintaining an Account with us, that if any dispute between you\nand us arises regardless of when it occurs, it will be settled using the following procedures: YOU AND WE AGREE AND UNDERSTAND THAT (1)\nYOU AND WE ARE GIVING UP THE RIGHT TO TRIAL BY JURY AND (2) THIS SECTION PRECLUDES YOU AND US FROM PARTICIPATING\nIN OR BEING REPRESENTED IN ANY CLASS OR REPRESENTATIVE ACTION OR JOINING OR CONSOLIDATING THE CLAIMS OF OTHER\nPERSONS. In addition, your agreement to arbitrate and waive trial by jury shall be applicable to parties acting on our behalf, including agents or\nindependent contractors who collect your account on our behalf or purchase your account. This Arbitration Provision is governed by the Federal\nArbitration Act (FAA), 9 U.S.C. \xc2\xa7\xc2\xa7 1 et seq., and not by any state arbitration law. Except as set forth below, the parties agree to arbitrate any\ndispute or controversy concerning your Account or related products or services. Either party may request that the matter be submitted to\narbitration.\nCommencing an Arbitration: The party electing arbitration must notify the other of such election. This notice may be given before or after a\nlawsuit has been filed concerning the Claim or with respect to other Claims brought later in the lawsuit, and it may be given by papers filed in the\nlawsuit such as a motion to compel arbitration. If you elect arbitration you must notify us in writing at Mission Lane LLC, P.O. Box 105286, Atlanta,\nGA 30348, Attn: Arbitration. If we elect arbitration we will notify you in writing at your last known address on file.\nClaim: A \xe2\x80\x9cClaim\xe2\x80\x9d is any unresolved claim, dispute or controversy between you and us, whether past, present or future, arising out of or related to\nthis Agreement, your Account, products or services governed by this Agreement or the relationships resulting from this Agreement or your\nAccount. \xe2\x80\x9cClaim\xe2\x80\x9d has the broadest possible meaning, and includes initial claims, counterclaims, cross-claims and third-party claims. It includes\ndisputes based upon contract, tort, consumer rights, fraud and other intentional torts, constitution, statute, regulation, ordinance, common law and\nequity (including any claim for injunctive or declaratory relief). Solely for purposes of this Arbitration Provision, the terms \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d also\ninclude any person or entity named as a co-defendant with us in a Claim asserted by you. Notwithstanding the foregoing, individual actions brought\nin small claims court (or your state\xe2\x80\x99s equivalent court) are not eligible for arbitration; however, if the action is transferred, removed, or appealed to a\ndifferent court, it shall be eligible for arbitration at either party\xe2\x80\x99s request.\nBinding Arbitration: Binding arbitration is a means of having an independent third party (the arbitrator) resolve a dispute without using the court\nsystem, judges or juries. Either you or we can request binding arbitration. Each arbitration, including the selection of the arbitrator, shall be\n13/19\n\n\x0c3/9/2021\n\nadministered by the American Arbitration Association (AAA), according to the Consumer Arbitration Rules of the AAA. A single arbitrator shall be\nappointed. If you have a question about the AAA, you can contact them as follows: American Arbitration Association, 1633 Broadway 10th Floor,\nNew York, NY 10019, 1-800-778-7879, www.adr.org. If the AAA is unable to serve as administrator and you and we cannot agree on a\nreplacement, a court with jurisdiction will select the administrator or arbitrator, provided that no company may serve as administrator, without the\nconsent of all parties, if it adopts or has in place any formal or informal policy that is inconsistent with and purports to override the terms of the\nClass Action Waiver in this Arbitration Provision.\nPowers and Qualifications of Arbitrators and Arbitration Procedures: All arbitrators will be required to be practicing attorneys or retired judges\nand will be required to be experienced and knowledgeable in the substantive laws applicable to the subject matter of the dispute. Any arbitration\nhearing that you attend will take place in a location that is reasonably convenient for you. If you cannot obtain a waiver of the AAA\xe2\x80\x99s or arbitrator\xe2\x80\x99s\nfiling, administrative, hearing and/or other fees, we will consider in good faith any request by you for us to bear such fees. Each party will bear the\nexpense of its own attorneys, experts and witnesses, regardless of which party prevails, unless applicable law or this Agreement gives a right to\nrecover any of those fees from the other party. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA,\napplicable statutes of limitation and privilege rules that would apply in a court proceeding, and shall be authorized to award all remedies available\nin an individual lawsuit under applicable substantive law, including, without limitation, compensatory, statutory and punitive damages (which shall\nbe governed by the constitutional standards applicable in judicial proceedings), declaratory, injunctive and other equitable relief, and attorneys\xe2\x80\x99\nfees and costs. Upon the timely request of either party, the arbitrator shall write a brief explanation of the basis of his or her award. The arbitrator\xe2\x80\x99s\naward will be final and binding, except for any appeal right under the FAA. Any court with jurisdiction may enter judgment upon the arbitrator\xe2\x80\x99s\naward.\nClass Action Waiver: YOU AGREE NOT TO PARTICIPATE IN A CLASS, REPRESENTATIVE OR PRIVATE ATTORNEY GENERAL ACTION\nAGAINST US IN COURT OR ARBITRATION. ALSO, YOU MAY NOT BRING CLAIMS AGAINST US ON BEHALF OF ANY ACCOUNTHOLDER.\nThe arbitrator shall have no authority to conduct any class, private attorney general or other representative proceeding, and shall award\ndeclaratory or injunctive relief only in favor of the party seeking relief and only to the extent necessary to provide relief warranted by\nthat party\xe2\x80\x99s individual claim. If a court determines that this paragraph is not fully enforceable, only this sentence will remain in force and\nthe remainder will be null and void, and the court\xe2\x80\x99s determination shall be subject to appeal.\nRights Preserved: This Arbitration Provision and the exercise of any of the rights you and we have under this Agreement, does not stop you or us\nfrom exercising any lawful rights either of us has to use other available remedies; to comply with legal process; to obtain provisional remedies such\nas injunctive relief, attachment or garnishment by a court of appropriate jurisdiction; or to bring an individual action in court that is limited to\n14/19\n\n\x0c3/9/2021\n\npreventing the other party from using or obtaining any provisional or self-help remedies and that does not involve a request for damages or\nmonetary relief.\nNo Preclusive Effect: No arbitration award involving you and us will have any preclusive effect as to issues or claims in any dispute involving\nanyone who is not a party to the arbitration, nor will an arbitration award in prior disputes involving other parties have preclusive effect in an\narbitration between you and us to this Arbitration Provision.\nIn California: If an action or proceeding is initiated before any court in California and neither you nor we request that the dispute be submitted to\narbitration, then, upon motion by either you or us, the dispute shall be heard by an active attorney or a retired judge selected by the American\nArbitration Association (AAA) who is then appointed by the court in which the action commenced, according to the reference provision of the\nCalifornia Code of Civil Procedure, Section 638 et seq. This reference process is not subject to a trial by jury; the trial is conducted before the\nactive attorney or retired judge under California law.\nEnforcement: You or we may bring an action, including a summary or expedited motion, to compel arbitration of Claims subject to arbitration, or to\nstay the litigation of any Claims pending arbitration, in any court having jurisdiction. Such action may be brought at any time, even if such claims\nare part of a lawsuit, unless a trial has begun or a final judgment has been entered. Any dispute concerning the validity or enforceability of this\nArbitration Provision must be decided by a court; any dispute concerning the validity or enforceability of the Agreement as a whole is for the\narbitrator. Failure or forbearance to enforce this Arbitration Provision at any particular time or in connection with any particular Claims will not\nconstitute a waiver of any rights to require arbitration at a later time or in connection with any other Claims. Any additional or different agreement\nbetween you and us regarding arbitration must be in writing. If either you or we fail to submit to binding arbitration following a lawful demand, the\nparty who fails to submit bears all costs and expenses incurred by the party compelling arbitration.\nSurvival and Severability of Terms: This Arbitration Provision shall survive: (i) termination or changes in the Agreement, the Account, or the\nrelationship between you and us concerning the Account; (ii) the bankruptcy of any party; and (iii) any transfer, sale or assignment of your Account,\nor any amounts owed on your Account, to any other person or entity. If any portion of this Arbitration Provision (except for the Class Action Waiver\nset forth above) is deemed invalid or unenforceable, the remaining provisions of the Arbitration Provision shall remain in force. No portion of this\nArbitration Provision may be amended or waived absent a written agreement between you and us.\nRIGHT TO REJECT: You may reject this Arbitration Provision by mailing a signed rejection notice to Mission Lane LLC, P.O. Box 105286,\nAtlanta, GA 30348, Attn: Arbitration Rejection Notice, within thirty (30) calendar days after your Account is opened. Any rejection notice\n15/19\n\n\x0c3/9/2021\n\nmust include your name, address, email address, telephone number and Account number. This is the only manner you can reject this\nsection. If you reject this Arbitration Provision, that will not affect any other provision of the Agreement.\n\nSTATE NOTICES\nAll Accounts, including California and Utah Residents: As required by law, you are hereby notified that a negative credit report reflecting on\nyour credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.\nArizona: Mission Lane LLC does business in Arizona under the trade name Mission Lane Card Services LLC.\nCalifornia: A married applicant may apply for a separate account. After approval, each applicant shall have the right to use this account to the\nextent of the credit limit set by the creditor and each applicant may be liable for the amount extended under this account to any joint applicant. As\nrequired by law, you are hereby notified that a negative credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of\nyour credit obligations.\nDelaware: Service charges not in excess of those permitted by law will be charged on the outstanding balances from month to month.\nOhio: The Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers, and that credit\nreporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance\nwith this law.\nWisconsin: Your signature confirms that this loan obligation is being incurred in the interest of your marriage or family. No provision of any marital\nproperty agreement, unilateral statement or court decree adversely affects a creditor\xe2\x80\x99s interest unless, prior to the time the credit is granted, the\ncreditor is furnished a copy of the agreement, statement or decree or has actual knowledge of the adverse provision. Married residents of\nWisconsin applying for an individual account must give us the name and address of their spouse if the spouse is also a Wisconsin resident. Please\nprovide this information to us at Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30348.\n\n16/19\n\n\x0c3/9/2021\n\nTHE MISSION LANE VISA\xc2\xae CREDIT CARD CARDHOLDER AGREEMENT\nYOUR BILLING RIGHTS\nBy: Transportation Alliance Bank, Inc. dba TAB Bank\nYour Billing Rights - Keep This Document for Future Use.\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find a Mistake on Your Statement.\nIf you think there is an error on your statement, write to us at: Mission Lane LLC, P.O. Box 105286, Atlanta, GA 30348, Attn: Billing Dispute.\n\nIn your letter, give us the following information:\n\nAccount information: Your name and account number.\nDollar amount: The dollar amount of the suspected error.\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\nmistake.\nYou must contact us:\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automatic payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have\nto pay the amount in question.\n\nWhat Will Happen After We Receive Your Letter.\nWhen we receive your letter, we must do two things:\n\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected 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 correct.\n17/19\n\n\x0c3/9/2021\n\nWhile we investigate whether or not there has been an error:\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\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.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we\nthink you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within ten (10) days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\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 with\nmerchant, 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:\n\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we\nmade 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 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 at: Mission Lane LLC, Customer Service, P.O. Box\n30495, Tampa, FL 33630-3495.\n18/19\n\n\x0c3/9/2021\n\nWhile we investigate, the same rules apply to the disputed amount as discussed above under the section entitled \xe2\x80\x9cWhile we investigate whether or not\nthere has been an error.\xe2\x80\x9d After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and do not pay, we may\nreport you as delinquent.\nA.P.3.3.6\n\n19/19\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\nRewards VISA\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n2.99%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be\n\n10.90%\n\n.\n\nAPR for Balance Transfers\n\n2.99%\n\nAPR for Cash Advances\n\nAfter that, Your APR will be 10.90% .\n2.99% Introductory APR for a period of six billing cycles.\n\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be 10.90% .\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases or balance transfers if You pay\nYour entire balance by the due date each month. We will begin charging\ninterest on cash advances on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Foreign Transaction Fee\n\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nNone\nNone\nUp to $26.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash\nadvances)." See Your Account Agreement for more details.\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to Your\nAccount during the first six months following the opening of Your Account.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC20-P-1-052217 (MXC201-E)\n\n\x0ccredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (844) 674-1423 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\nOther Fees & Disclosures:\nReturned Payment Fee:\n$26.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nPay-by-Phone Fee:\n$5.00. If Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee will be charged for\neach time You make a payment by telephone as disclosed on this Disclosure.\nRush Fee:\n$42.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$2.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Introductory Purchase APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Purchase APR is 10.90% which is a monthly periodic rate of 0.9083% .\nThe Introductory Balance Transfer APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Balance Transfer APR is 10.90% which is a monthly periodic rate of 0.9083% .\nThe Introductory Cash Advance APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Cash Advance APR is 10.90% which is a monthly periodic rate of 0.9083% .\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC20-P-1-052217 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\nVISA\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n2.99%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be\n\n15.90%\n\n.\n\nAPR for Balance Transfers\n\n2.99%\n\nAPR for Cash Advances\n\nAfter that, Your APR will be 15.90% .\n2.99% Introductory APR for a period of six billing cycles.\n\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be 15.90% .\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases or balance transfers if You pay\nYour entire balance by the due date each month. We will begin charging\ninterest on cash advances on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Foreign Transaction Fee\n\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nNone\nNone\nUp to $26.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash\nadvances)." See Your Account Agreement for more details.\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to Your\nAccount during the first six months following the opening of Your Account.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC20-P-1-052217 (MXC201-E)\n\n\x0ccredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (844) 674-1423 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\nOther Fees & Disclosures:\nReturned Payment Fee:\n$26.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nPay-by-Phone Fee:\n$5.00. If Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee will be charged for\neach time You make a payment by telephone as disclosed on this Disclosure.\nRush Fee:\n$42.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$2.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Introductory Purchase APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Purchase APR is 15.90% which is a monthly periodic rate of 1.3250% .\nThe Introductory Balance Transfer APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Balance Transfer APR is 15.90% which is a monthly periodic rate of 1.3250% .\nThe Introductory Cash Advance APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Cash Advance APR is 15.90% which is a monthly periodic rate of 1.3250% .\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC20-P-1-052217 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\nVISA\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n2.99%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be\n\n7.90%\n\n.\n\nAPR for Balance Transfers\n\n2.99%\n\nAPR for Cash Advances\n\nAfter that, Your APR will be 7.90% .\n2.99% Introductory APR for a period of six billing cycles.\n\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be 7.90% .\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases or balance transfers if You pay\nYour entire balance by the due date each month. We will begin charging\ninterest on cash advances on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Foreign Transaction Fee\n\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nNone\nNone\nUp to $26.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash\nadvances)." See Your Account Agreement for more details.\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to Your\nAccount during the first six months following the opening of Your Account.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC20-P-1-052217 (MXC201-E)\n\n\x0ccredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (844) 674-1423 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\nOther Fees & Disclosures:\nReturned Payment Fee:\n$26.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nPay-by-Phone Fee:\n$5.00. If Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee will be charged for\neach time You make a payment by telephone as disclosed on this Disclosure.\nRush Fee:\n$42.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$2.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Introductory Purchase APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Purchase APR is 7.90% which is a monthly periodic rate of 0.6583% .\nThe Introductory Balance Transfer APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Balance Transfer APR is 7.90% which is a monthly periodic rate of 0.6583% .\nThe Introductory Cash Advance APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Cash Advance APR is 7.90% which is a monthly periodic rate of 0.6583% .\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC20-P-1-052217 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\nVISA\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n2.99%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be\n\n10.90%\n\n.\n\nAPR for Balance Transfers\n\n2.99%\n\nAPR for Cash Advances\n\nAfter that, Your APR will be 10.90% .\n2.99% Introductory APR for a period of six billing cycles.\n\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be 10.90% .\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases or balance transfers if You pay\nYour entire balance by the due date each month. We will begin charging\ninterest on cash advances on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Foreign Transaction Fee\n\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nNone\nNone\nUp to $26.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash\nadvances)." See Your Account Agreement for more details.\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to Your\nAccount during the first six months following the opening of Your Account.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC20-P-1-052217 (MXC201-E)\n\n\x0ccredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (844) 674-1423 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\nOther Fees & Disclosures:\nReturned Payment Fee:\n$26.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nPay-by-Phone Fee:\n$5.00. If Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee will be charged for\neach time You make a payment by telephone as disclosed on this Disclosure.\nRush Fee:\n$42.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$2.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Introductory Purchase APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Purchase APR is 10.90% which is a monthly periodic rate of 0.9083% .\nThe Introductory Balance Transfer APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Balance Transfer APR is 10.90% which is a monthly periodic rate of 0.9083% .\nThe Introductory Cash Advance APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Cash Advance APR is 10.90% which is a monthly periodic rate of 0.9083% .\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC20-P-1-052217 (MXC201-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA PLATINUM/VISA PLATINUM REWARDS\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum\n\n2.99%\n\nIntroductory APR for a period of six billing cycles.\n\n7.90% , 8.90%, 10.90%,\n13.90% or 15.90%, based on your creditworthiness.\n\nAfter that, your APR will be\n\nVisa Platinum Rewards\n\n2.99%\n\nIntroductory APR for a period of six billing cycles.\n\n9.90% , 10.90%, 12.90%,\n15.90% or 17.90%, based on your creditworthiness.\n\nAfter that, your APR will be\n\nAPR for Balance Transfers\n\nVisa Platinum\n2.99% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 7.90% ,\nbased on your creditworthiness.\n\n8.90%, 10.90%, 13.90% or 15.90%,\n\nVisa Platinum Rewards\n2.99% Introductory APR for a period of six billing cycles.\n\nAPR for Cash Advances\n\nAfter that, your APR will be 9.90% , 10.90%, 12.90%, 15.90% or 17.90%,\nbased on your creditworthiness.\nVisa Platinum\n2.99% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 7.90% ,\nbased on your creditworthiness.\n\n8.90%, 10.90%, 13.90% or 15.90%,\n\nVisa Platinum Rewards\n2.99% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 9.90% , 10.90%, 12.90%, 15.90% or 17.90%,\nbased on your creditworthiness.\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\n\nNone\nSEE NEXT PAGE for more important information about your account.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC10-P-1-033017 (MXC101-E)\n\n\x0cTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\n1.00% of each transaction in U.S. dollars\nNone\nNone\nUp to $26.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash\nadvances)."\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to your\naccount during the first six months following the opening of your account.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: April 20, 2017\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nMissouri Fee Notice:\nCredit card fees are governed by \xc2\xa7408.140 of the Missouri Revised Statutes, unless we charge fees as permitted by\napplicable federal law.\nFor California Borrowers, the Visa Platinum and Visa Platinum Rewards are secured credit cards. Credit extended\nunder this credit card account is secured by various personal property and money including, but not limited to:\n(a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this\naccount on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit\nUnion excluding shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union\nexcluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when\nyou are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nThe following fees do not apply to borrowers in the State of Missouri: Account Set-up Fee, Program Fee, Participation\nFee, Additional Card Fee, Application Fee, Balance Transfer Fee, Transaction Fee for Purchases, Foreign Transaction\nFee, Over-the-Credit Limit Fee, Statement Copy Fee, Document Copy Fee, Rush Fee, Emergency Card Replacement\nFee, PIN Replacement Fee, Card Replacement Fee, Unreturned Card Fee, and Pay-by-Phone Fee.\nReturned Payment Fee:\n$26.00 or the amount of the required minimum payment, whichever is less.\nPay-by-Phone Fee:\n$5.00.\nRush Fee:\n$42.00.\nStatement Copy Fee:\n$2.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC10-P-1-033017 (MXC101-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\nRewards VISA\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n2.99%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be\n\n17.90%\n\n.\n\nAPR for Balance Transfers\n\n2.99%\n\nAPR for Cash Advances\n\nAfter that, Your APR will be 17.90% .\n2.99% Introductory APR for a period of six billing cycles.\n\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be 17.90% .\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases or balance transfers if You pay\nYour entire balance by the due date each month. We will begin charging\ninterest on cash advances on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Foreign Transaction Fee\n\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nNone\nNone\nUp to $26.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash\nadvances)." See Your Account Agreement for more details.\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to Your\nAccount during the first six months following the opening of Your Account.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC20-P-1-052217 (MXC201-E)\n\n\x0ccredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (844) 674-1423 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\nOther Fees & Disclosures:\nReturned Payment Fee:\n$26.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nPay-by-Phone Fee:\n$5.00. If Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee will be charged for\neach time You make a payment by telephone as disclosed on this Disclosure.\nRush Fee:\n$42.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$2.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Introductory Purchase APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Purchase APR is 17.90% which is a monthly periodic rate of 1.4917% .\nThe Introductory Balance Transfer APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Balance Transfer APR is 17.90% which is a monthly periodic rate of 1.4917% .\nThe Introductory Cash Advance APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Cash Advance APR is 17.90% which is a monthly periodic rate of 1.4917% .\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC20-P-1-052217 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\nVISA\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n2.99%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be\n\n13.90%\n\n.\n\nAPR for Balance Transfers\n\n2.99%\n\nAPR for Cash Advances\n\nAfter that, Your APR will be 13.90% .\n2.99% Introductory APR for a period of six billing cycles.\n\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be 13.90% .\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases or balance transfers if You pay\nYour entire balance by the due date each month. We will begin charging\ninterest on cash advances on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Foreign Transaction Fee\n\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nNone\nNone\nUp to $26.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash\nadvances)." See Your Account Agreement for more details.\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to Your\nAccount during the first six months following the opening of Your Account.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC20-P-1-052217 (MXC201-E)\n\n\x0ccredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (844) 674-1423 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\nOther Fees & Disclosures:\nReturned Payment Fee:\n$26.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nPay-by-Phone Fee:\n$5.00. If Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee will be charged for\neach time You make a payment by telephone as disclosed on this Disclosure.\nRush Fee:\n$42.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$2.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Introductory Purchase APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Purchase APR is 13.90% which is a monthly periodic rate of 1.1583% .\nThe Introductory Balance Transfer APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Balance Transfer APR is 13.90% which is a monthly periodic rate of 1.1583% .\nThe Introductory Cash Advance APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Cash Advance APR is 13.90% which is a monthly periodic rate of 1.1583% .\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC20-P-1-052217 (MXC201-E)\n\n\x0c'


b'CREDIT CARD\nACCOUNT\nOPENING\nDISCLOSURE\nVISA\nThis Disclosure is incorporated into and becomes part of Your LOANLINER\xc2\xae Consumer Credit Card Agreement &\nDisclosure. Please keep this attached to Your LOANLINER Consumer Credit Card Agreement & Disclosure.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n2.99%\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be\n\n8.90%\n\n.\n\nAPR for Balance Transfers\n\n2.99%\n\nAPR for Cash Advances\n\nAfter that, Your APR will be 8.90% .\n2.99% Introductory APR for a period of six billing cycles.\n\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nIntroductory APR for a period of six billing cycles.\n\nAfter that, Your APR will be 8.90% .\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge You any interest on purchases or balance transfers if You pay\nYour entire balance by the due date each month. We will begin charging\ninterest on cash advances on the transaction date.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\n\nNone\n\nTransaction Fees\n- Foreign Transaction Fee\n\n1.00% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nNone\nNone\nUp to $26.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (excluding new purchases and balance transfers) (including new cash\nadvances)." See Your Account Agreement for more details.\nPromotional Period for Introductory APR:\nThe Introductory APR for purchases, balance transfers and cash advances will apply to transactions posted to Your\nAccount during the first six months following the opening of Your Account.\nBilling Rights:\nInformation on Your rights to dispute transactions and how to exercise those rights is provided in Your Account\nAgreement.\nMilitary Lending Act Disclosures:\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent\nmay not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or\naccount: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\nSEE NEXT PAGE for more important information about Your Account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC20-P-1-052217 (MXC201-E)\n\n\x0ccredit transaction; any application fee charged (other than certain application fees for specified credit transactions or\naccounts); and any participation fee charged (other than certain participation fees for a credit card account).\nPlease call us at (844) 674-1423 to receive oral disclosures of the Military Lending Act disclosure above and a description\nof the payment obligation.\nOther Fees & Disclosures:\nReturned Payment Fee:\n$26.00 or the amount of the required minimum payment, whichever is less. If Your Account is subject to a Returned\nPayment Fee, the fee will be charged to Your Account when a payment is returned for any reason.\nPay-by-Phone Fee:\n$5.00. If Your Account is subject to the Pay-by-Phone Fee, except as limited by applicable law, a fee will be charged for\neach time You make a payment by telephone as disclosed on this Disclosure.\nRush Fee:\n$42.00. If Your Account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to Your\nAccount for each rush Card that You request, providing that delivery of the Card is also available by standard mail service,\nwithout paying a fee for delivery.\nStatement Copy Fee:\n$2.00 . If Your Account is subject to a Statement Copy Fee, except as limited by applicable law and when the request is\nmade in connection with a billing error made by the Credit Union, a fee may be charged to Your Account for each copy of\na sales draft or statement that You request.\nCollection Costs:\nYou agree to pay all costs of collecting the amount You owe under this Agreement, including court costs and reasonable\nattorney\'s fees.\nPeriodic Rates:\nThe Introductory Purchase APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Purchase APR is 8.90% which is a monthly periodic rate of 0.7417% .\nThe Introductory Balance Transfer APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Balance Transfer APR is 8.90% which is a monthly periodic rate of 0.7417% .\nThe Introductory Cash Advance APR is 2.99% which is a monthly periodic rate of 0.2492%. .\nThe Cash Advance APR is 8.90% which is a monthly periodic rate of 0.7417% .\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04213945-MXC20-P-1-052217 (MXC201-E)\n\n\x0c'