b'Credit Union all cards upon request or upon termination of this Agreement\nwhether by you or the Credit Union. The Credit Union has the right to require\nyou to pay off your full account balance at any time after your account is\nterminated, whether it is terminated by you or the Credit Union.\n15) Unlawful Transactions. Your Credit Union credit card account(s)\nmay not be used for any illegal or unlawful transactions. You agree that\nwe may decline to process any transaction that we believe in good faith to\nbe for an illegal purpose. You agree that we will not be liable for declining\nto process any such transaction. If we do process any transaction that\nultimately is determined to have been for an illegal purpose, you agree\nthat you will remain liable to us under this Agreement for any such\ntransaction notwithstanding its illegal nature. You agree that any illegal\nuse of the card will be deemed an act of default under this Agreement.\nYou further agree to waive any right to take legal action against us for\nyour illegal use of the card and to indemnify, defend, and hold us and\nVISA International, Inc. and MasterCard International, Inc. harmless\nfrom and against any lawsuits, other legal action, or liability that results\ndirectly or indirectly from such illegal use.\n16) International Transactions.\nMasterCard Cards: If you effect an international transaction with your\nMasterCard, MasterCard International will convert the charge into a U.S.\ndollar amount. MasterCard International will use its currency conversion\nprocedure, which is disclosed to institutions that issue MasterCard cards.\nCurrently, the currency conversion rate used by MasterCard International\nto determine the transaction amount in U.S. dollars for such transactions\nis generally either a government-mandated exchange rate or a wholesale\nexchange rate selected by MasterCard International for the applicable\ncurrency on the day the transaction is processed, which rate may differ\nfrom the applicable rate on the date the transaction occurred or when the\ntransaction is posted to your account. We will charge a Foreign Transaction\nFee of up to 1% on all international purchase, cash disbursement, and\naccount credit transactions, even if there is no currency conversion. The\nForeign Transaction Fee is a non-periodic finance charge and does not accrue\ninterest. There is no grace period for repayment of international transactions\nin order to avoid the Foreign Transaction Fee.\nVISA Cards: If you effect an international transaction with your VISA Card, the\nrate of exchange between the transaction currency and the billing currency\nused for processing the international transaction will be a rate selected by\nVISA from the range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate VISA\nitself receives or the government-mandated rate in effect for the applicable\ncentral processing date. We will charge a Foreign Transaction Fee of up to\n1% on all international purchase, cash disbursement, and account credit\ntransactions, even if there is no currency conversion. The Foreign Transaction\nFee is a non-periodic finance charge and does not accrue interest. There is no\ngrace period for repayment of international transactions in order to avoid\nthe Foreign Transaction Fee.\n\n17) Visa Emergency Cash And Emergency Card Replacement\nServices. If this service is available, you acknowledge that we may provide\npersonal data concerning you to VISA USA, its members, or their respective\ncontractors for the purpose of providing you with VISA Emergency Cash\nand Emergency Card Replacement Services, and you consent to the release of\nyour information for these purposes.\n18) CREDIT INVESTIGATION: In conjunction with your application for credit\nand, if approved, maintenance of your account, you agree that we have the\nright to investigate your credit and employment history, to verify your credit\nreferences, to request and use credit reports, and to report the way you pay\nyour account to credit bureaus and other interested parties.\n19) Fair Credit Reporting Act Notification. We may report the status\nand payment history of your account to credit reporting agencies each\nmonth. If you believe that the information that we have reported is\ninaccurate or incomplete, please notify us in writing at PO Box 889,\nTexas City, TX 77592-0889. Please include your name, address, telephone\nnumbers and account number.\n20) Additional Provisions. Each provision of this Agreement must\nbe considered as part of the total agreement and cannot, in any way, be\nsevered from it. However, you also agree that should any part of the Agreement\nbe found invalid, it will in no way affect the remainder of the Agreement. You\nunderstood that the validity, construction and enforcement of this Agreement\nshall be governed by the laws of the State of Texas. The Credit Union does\nnot warrant any merchandise or services purchased by you with the card. All\npurchases and cash advances are extended at the option of the merchant or\ncash advancing financial institution and the Credit Union is not responsible\nfor refusal of any merchant or financial institution to honor your card. The\ncard(s) remain our property at all times, and you agree to immediately\nsurrender the cards upon demand. We can accept late payments or partial\npayments, or checks or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without\nlosing any of our rights under this Agreement. We can also delay enforcing\nany of our rights under this Agreement any number of times without losing\nthem. You expressly waive presentment for payment, demand, protest, and\nnotice of protest and dishonor of same. You agree to give us prompt notice\nof any change in your name, mailing address, telephone number or place of\nemployment.\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\n\nYou may also contact us on the Web: www.amocofcu.org\nIn your letter, give us the following information:\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\nstatement, describe what you believe is wrong and why you\nbelieve it is a mistake.\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nYou must contact us:\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you think\nis wrong.\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nYou must notify us of any potential errors in writing or electronically. You\nmay call us, but if you do we are not required to investigate any potential\nerrors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe your statement is correct.\nWhile we investigate whether or not there has been an error:\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nYour Rights if You are Dissatisfied with Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased\nwith your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount\ndue on the purchase. To use this right, all of the following must be true:\n\nCredit Card\nAgreement\n\n1. The purchase must have been made in your home state or within 100 miles\nof your current mailing address, and the purchase price must have been\nmore than $50. (Note: Neither of these are necessary if your purchase was\nbased on an advertisement we mailed to you, or if we own the company\nthat sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your credit\ncard account do not qualify.\n3. You must not yet have fully paid for the purchase. If all of the criteria\nabove are met and you are still dissatisfied with the purchase, contact us\nin writing or electronically at:\nAMOCO Federal Credit Union\nP.O. Box 889\n2300 Texas Ave.\nTexas City, TX 77592-0889\nwww.amocofcu.org\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay,\nwe may report you as delinquent.\n\nAfter we finish our investigation, one of two things will happen:\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\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:\nAMOCO Federal Credit Union\nP.O. Box 889\n2300 Texas Ave.\nTexas CityTX 77592-0889\n\nWe cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\nThe charge in question may remain on your statement, and we\nmay continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\n\n\xe2\x80\xa2\n\nreported you as delinquent, and we must let those organizations\nknow when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill is\ncorrect.\n\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in\nquestion 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\namount in question along with applicable interest and fees. We\nwill send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do\nnot pay the amount we think you owe.\nIf you receive our explanation but still believe your statement\nis wrong, you must write to us within 10 days telling us that\nyou still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning your\nstatement. We must tell you the name of anyone to whom we\n\nMailing Address\nP.O. Box 889\nTexas City, TX\n77592-0889\nPhone Numbers\nPH 409.948.8541\nTX 800.392.3813\nUS 800.231.6053\nwww.amocofcu.org\n\n\x0cCREDIT CARD AGREEMENT\nThis Agreement Covers: VISA\xc2\xae Gold, VISA Platinum, MasterCard\xc2\xae Gold, and/or\nMasterCard Platinum with AMOCO Federal Credit Union.\nBy using or permitting another to use your VISA Gold, VISA Platinum, MasterCard\nGold, and/or MasterCard Platinum card(s), you are accepting this Agreement\nand agreeing to pay all amounts that will be owing in connection with your\naccount. You also acknowledge receipt of a copy of this Agreement. In this\nAgreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each person who signed this\napplication and his/her heirs and personal representatives, and any other\nperson that uses the card. \xe2\x80\x9cWe,\xe2\x80\x9d\xe2\x80\x9cour,\xe2\x80\x9d\xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean AMOCO\nFederal Credit Union. All of your obligations under this Agreement, including\nany INTEREST CHARGES, are owed to the Credit Union. The word \xe2\x80\x9caccount\xe2\x80\x9d\nmeans any number of VISA Gold, VISA Platinum, MasterCard Gold, and/or\nMasterCard Platinum accounts established for you under this Agreement. \xe2\x80\x9cUse\nof this card\xe2\x80\x9d means any procedure used by you, or someone authorized by you,\nto make a purchase or obtain a cash advance whether or not the purchase or\nadvance is evidenced by a signed written document. \xe2\x80\x9cUnauthorized\xe2\x80\x9d use of\nthe card\xe2\x80\x9d means that use of the card by someone other than you who does\nnot have actual, implied, or apparent authority for such use, and from which\nyou receive no benefit.\nSECURITY INTEREST AND PLEDGE OF SHARES: YOU PLEDGE TO\nUS AND GRANT TO US A CONSENSUAL SECURITY INTEREST IN\nALL INDIVIDUAL AND JOINT ACCOUNTS MAINTAINED WITH\nUS IN WHICH YOU HAVE INTEREST NOW OR IN THE FUTURE,\nEXCEPT AMOUNTS HELD IN AN IRA OR KEOGH PLAN, TO SECURE\nREPAYMENT OF AMOUNTS OWING UNDER THIS CREDIT CARD\nACCOUNT, TOGETHER WITH ANY FEES OR COSTS WHICH MAY BE\nASSESSED AGAINST THE ACCOUNT UNDER THE TERMS OF THIS\nAGREEMENT. THE GRANTING OF THIS SECURITY INTEREST IS A\nCONDITION FOR THE ISSUANCE OF ANY CARD THAT YOU MAY USE,\nDIRECTLY OR INDIRECTLY, TO OBTAIN EXTENSIONS OF CREDIT\nUNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT UNDER THIS\nAGREEMENT, YOU AUTHORIZE US TO APPLY ANY AND ALL AMOUNTS\nON DEPOSIT IN ANY ACCOUNT IN WHICH YOU HAVE AN INTEREST\nNOW OR IN THE FUTURE TO THE PAYMENT OF ALL AMOUNTS\nOWING UNDER THIS CREDIT CARD ACCOUNT.\nAdditional Security: If you have other loans with us, now or in the future,\ncollateral securing such loans may also secure your obligations under this\nAgreement. This security interest does not apply to Home Equity loans, or any\nother dwelling-secured loan. Please read any security agreement you sign\nin order to determine if the collateral also secures your obligations under this\nAgreement and any other agreements you have with us.\n1) Extensions of Credit. If your application is approved, the Credit Union may,\nat its discretion, establish a credit card account in your name and cause one or\n\nmore cards to be issued to you or those designated by you. In such event, you\nauthorize the Credit Union to pay for your account, all items reflecting credit\npurchases and cash advances obtained through use of the card. The Credit Union,\nmay at its discretion, issue checks to you which may be used for any purpose\nother than making a payment for credit to your account. Any check written by\nyou will be considered as a cash advance, even if used to make a purchase. By\nsigning such a check, you authorize the Credit Union to pay the item for the\namount indicated and post such amounts as cash advance to your account. The\nCredit Union does not have to pay any item which would cause the outstanding\nbalance in your account to exceed your credit limit. Please refer to the attached\nRate and Fee Disclosures for charges that apply in connection with credit card\nconvenience checks.\n2) Joint Applicant Liability. If this Agreement is executed by more than\none person, each of you shall be jointly and individually liable to us for all\ncharges made to the account, including applicable fees. In addition, you agree\nthat each of you designates the other as agent for the purpose of making\npurchases extended under this Agreement and each use of your account shall\nbe an extension of credit to all. Notice to one of you shall constitute notice\nto all. Any joint cardholder may remove him/herself from responsibility for\nfuture purchases at any time by notifying us in writing. However, removal\nfrom the account does not release the joint cardholder from any liability\nalready incurred.\n3) Others Using Your Account. If you allow anyone else to use your card, you\nwill be liable for all credit extended to such persons. You promise to pay for all\npurchases, balance transfers, and cash advances made by anyone whom you\nauthorize to use your card, whether or not you notify us that he or she will be\nusing it. If someone else is authorized to use your card and you want to end\nthat person\xe2\x80\x99s privilege, you must notify us in writing, and if he or she has a\ncard, you must return the card with your written notice for it to be effective.\n4) Credit Limits. You promise the payments made for your account resulting\nfrom use of the card will, at no time, cause the outstanding balance in your\naccount to exceed your credit limit as disclosed to you at the time you receive\nyour card or as adjusted from time to time at the discretion of the Credit Union.\n5) Promise To Pay. You promise to repay the Credit Union all payments made\nfor your account resulting from use of the card, plus INTEREST CHARGES on the\nunpaid balance. At the end of each monthly billing cycle, you will be furnished\nwith a periodic statement showing (1) the \xe2\x80\x9cprevious balance\xe2\x80\x9d (the outstanding\nbalance in the account at the beginning of the billing cycle), (2) the amount of all\ncash advances, balance transfers, purchases and INTEREST CHARGES posted to\nyour account during the billing cycle, (3) the amount of all payments and credits\nposted to your account during the billing cycle, and (4) the \xe2\x80\x9cnew balance\xe2\x80\x9d which\nis the sum of (1) and (2) less (3). You agree to pay on or before the \xe2\x80\x9cpayment\ndue date\xe2\x80\x9d shown on the periodic statement either the entire \xe2\x80\x9cnew balance\xe2\x80\x9d, or\na minimum payment equal to 3% of the \xe2\x80\x9cnew balance\xe2\x80\x9d, or $18.00, whichever is\ngreater, if the \xe2\x80\x9cnew balance\xe2\x80\x9d is $18.00 or less, you will pay in full.\n\n6) Cost of Credit. You will pay INTEREST CHARGES for all advances made\nagainst your account. INTEREST CHARGES for cash advances and balance\ntransfers begin to accrue on the date of the advance. New purchases will not\nincur an INTEREST CHARGE on the date they are posted to your account if you\nhave paid the account in full by the \xe2\x80\x9cpayment due date\xe2\x80\x9d shown on your most\nrecent monthly statement, or if there was no previous balance.\nIf your account features an introductory rate, you will pay a fixed introductory rate\nfor all advances made against your VISA Gold, MasterCard Gold, VISA Platinum,\nor MasterCard Platinum account at the daily periodic rate and corresponding\nANNUAL PERCENTAGE RATE (APR) set forth in the Rate Disclosure attached to\nthis Agreement. Any introductory rate applicable to your account applies until\nthe first day of the billing cycle that includes the six-month anniversary date of\nthe opening of your account.\nThereafter, your account is subject to a variable rate, and the APR may increase.\nThe applicable periodic rate used to compute the INTEREST CHARGES for\nall advances is based on an index (the \xe2\x80\x9cIndex\xe2\x80\x9d), which is the Prime Rate as\npublished in the Money Rates section of The Wall Street Journal on the 10th day\nof the month and is subject to change monthly. If the 10th falls on a weekend or\na holiday in any given month, then we will use the Prime Rate published on the\nnext business day for that month. Any change in the Index will be effective on\nthe first day of the billing cycle in the month following the date of the change.\nAn increase in the Index may result in an increase in the periodic rate, which in\nturn, may result in higher payments. We retain the discretion not to increase\nyour rate when the Index increases, but such action does not preclude us from\nincreasing the rate in step with Index increases on future occasions.\nWe will add a margin to the Index to determine your daily periodic rate and\ncorresponding APR. The margin for VISA Gold, MasterCard Gold, VISA Platinum,\nand MasterCard Platinum accounts is set forth in the Rate Disclosure attached\nto this Agreement.\nThe daily periodic rates and corresponding APRs for VISA Gold, MasterCard Gold,\nVISA Platinum, and MasterCard Platinum accounts are set forth in the Rate\nDisclosure attached to this Agreement. The maximum rate for all accounts will\nnever exceed a daily periodic rate of .049315%, which corresponds to an APR\nof 18%.\nThe INTEREST CHARGE is figured by applying the periodic rate to the \xe2\x80\x9cbalance\nsubject to INTEREST CHARGE\xe2\x80\x9d which is the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your\naccount, including certain current transactions. The \xe2\x80\x9caverage daily balance\xe2\x80\x9d is\narrived at by taking the beginning balance of your account each day, adding in\nany new cash advances and balance transfers, and unless you pay your account\nin full by the \xe2\x80\x9cpayment due date\xe2\x80\x9d shown on the previous monthly statement\nor there is no previous balance, adding in new purchases, and subtracting any\npayments or credits and unpaid INTEREST CHARGES. This gives us the daily\nbalance. The daily balances for the billing cycle are then added together and\ndivided by the number of days in the billing cycle. The result is the \xe2\x80\x9caverage\ndaily balance.\xe2\x80\x9d The INTEREST CHARGE is determined by multiplying the\n\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d by the number of days in the billing cycle and applying\nthe periodic rate to the product.\nNo additional INTEREST CHARGES will be incurred whenever you pay the\naccount in full by the \xe2\x80\x9cpayment due date\xe2\x80\x9d as reflected on your most recent\nmonthly statement. The \xe2\x80\x9cpayment due date\xe2\x80\x9d is not less than 25 days from the\nbilling cycle closing date shown on your statement. You may pay any amounts\noutstanding at any time without penalty for early repayment.\n7) Other Charges. Please refer to the attached Rate and Fee Disclosures for\nother charges that apply in connection with your credit card account.\n8) Credit Insurance. Credit life and/or credit disability insurance is optional. If\nyou qualify for and purchase the insurance from us, you authorize us to add the\ninsurance premiums monthly to your loan balance and charge you interest on\nthe entire balance. If you elect credit insurance, your payments may increase\nor the period of time necessary to repay your advance may be extended. The\ncredit insurance rates may change. If the rates change, we will provide any\nnotices required by applicable law.\n9) Visa Card Liability for Unauthorized Use. If you notice the loss or\ntheft of your VISA card or a possible unauthorized use of your VISA card, you\nshould call the Credit Card Center immediately at:\n(800) 442-4757\nUnder VISA\xe2\x80\x99s zero liability policy, you will not be liable for unauthorized use\nof your VISA card once you notify us orally or in writing of the loss, theft, or\npossible unauthorized use. The foregoing zero liability policy does not apply\nif you are grossly negligent or fraudulent in the handling of your account or your\nVISA card, nor does it apply in the case of cash advances obtained at an ATM.\nYou will not be liable for any unauthorized use that occurs after you notify\nus. You may, however, be liable for unauthorized use that occurs before your\nnotice to us. In any case, your liability will not exceed $50.00.\n10) MasterCard Liability for Unauthorized Use. If you notice the loss or\ntheft of your MasterCard or a possible unauthorized use of your MasterCard,\nyou should call the Credit Card Center immediately at:\n(800) 442-4757\nUnder MasterCard\xe2\x80\x99s zero liability policy, you will not be liable for any\nunauthorized use of your MasterCard once you notify us orally or in writing\nof the loss, theft, or possible unauthorized use and you meet the following\nconditions: (1) you have exercised reasonable care with the MasterCard;\n(2) you have not reported two or more incidents of unauthorized use of the\nMasterCard within the previous 12 months; and (3) you have maintained your\naccount in good standing. The foregoing zero liability policy does not apply to\ncash advances obtained at an ATM.\n\nYou will not be liable for any unauthorized use that occurs after you notify\nus. You may, however, be liable for unauthorized use that occurs before your\nnotice to us. In any case, your liability will not exceed $50.00.\n11) Crediting Payments. All payments on your account will be applied first\nto collection costs, then to any INTEREST CHARGES and other fees due, and\nthen to the unpaid principal balance. All payments made on your account at\nthe address designated for payment on the monthly periodic statement or\nat any of our branch offices during our business hours will be credited to your\naccount on the date of receipt. If we receive a payment on a day that is not a\nbusiness day for us or at a time that we are not open, your payment may be\ncredited on the first business day following receipt. Interest paid or agreed to\nbe paid shall not exceed the maximum amount permissible under applicable\nlaw, and in any contingency whatsoever, if we shall receive anything of value\ndeemed interest under applicable law which would exceed the maximum\namount of interest permissible under applicable law, the excessive interest\nshall be applied to the reduction of the unpaid principal amount or refunded\nto you.\n12) Default. You will be in default: (1) if you fail to make any payment on\ntime; (2) if you fail to keep any promises you have made under this or any\nother agreement with the Credit Union; (3) if you are the subject of an order\nfor relief Under Title 11 of the U.S. Code (Bankruptcy); (4) if anyone tries, by\nlegal process, to take any of your money in the Credit Union; (5) if you have\ngiven the Credit Union false or inaccurate information in obtaining your card, or\n(6) if anything happens which the Credit Union reasonably believes endangers\nyour ability to repay what you owe.\n13) Acceleration. If you are in default; the Credit Union may, without prior\nnotice to you, call any amounts you still owe immediately due and payable\nplus INTEREST CHARGES which shall continue to accrue until the entire amount\nis paid. You expressly waive any right to notice of demand, including but\nnot limited to, demand upon default, notice of intention to accelerate, and\nnotice of acceleration. The card remains the property of the Credit Union at all\ntimes, and you agree to immediately surrender the card upon demand of the\nCredit Union. You agree to pay all reasonable costs of collection, including\ncourt costs and attorney\xe2\x80\x99s fees imposed and any cost incurred in the recovery\nof the card.\n14) Termination or Changes. The Credit Union may add to, delete, or\nchange the terms of this Agreement from time to time. Notice of any change\nwill be given in accordance with applicable law. If permitted by law and\nspecified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions. Either you or the Credit Union may\nterminate this Agreement at any time, but termination by you or the Credit\nUnion will not affect your obligation to pay the account balance plus any\nINTEREST CHARGES and other charges you owe under this Agreement. You\nare also responsible for all transactions made to your account after termination,\nunless the transactions were unauthorized. The card or cards you receive remain\nthe property of the Credit Union and you must recover and surrender to the\n\n\x0c'


b'you will remain liable to us under this Agreement for any such transaction\nnotwithstanding its illegal nature. You agree that any illegal use of the card\nwill be deemed an act of default under this Agreement. You further agree\nto waive any right to take legal action against us for your illegal use of the\ncard and to indemnify, defend, and hold us and VISA International, Inc. and\nMasterCard International, Inc. harmless from and against any lawsuits, other\nlegal action, or liability that results directly or indirectly from such illegal use.\n16) International Transactions.\nMasterCard Cards: If you effect an international transaction with your\nMasterCard, MasterCard International will convert the charge into a U.S. dollar\namount. MasterCard International will use its currency conversion procedure,\nwhich is disclosed to institutions that issue MasterCard cards. Currently, the\ncurrency conversion rate used by MasterCard International to determine\nthe transaction amount in U.S. dollars for such transactions is generally\neither a government-mandated exchange rate or a wholesale exchange\nrate selected by MasterCard International for the applicable currency on the\nday the transaction is processed, which rate may differ from the applicable\nrate on the date the transaction occurred or when the transaction is posted\nto your account. We will charge a Foreign Transaction Fee of up to 1% on all\ninternational purchase, cash disbursement, and account credit transactions,\neven if there is no currency conversion. The Foreign Transaction Fee is a nonperiodic finance charge and does not accrue interest. There is no grace period\nfor repayment of international transactions in order to avoid the Foreign\nTransaction Fee.\nVISA Cards: If you effect an international transaction with your VISA Card, the\nrate of exchange between the transaction currency and the billing currency\nused for processing the international transaction will be a rate selected by\nVISA from the range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate VISA\nitself receives or the government-mandated rate in effect for the applicable\ncentral processing date. We will charge a Foreign Transaction Fee of up to\n1% on all international purchase, cash disbursement, and account credit\ntransactions, even if there is no currency conversion. The Foreign Transaction\nFee is a non-periodic finance charge and does not accrue interest. There is no\ngrace period for repayment of international transactions in order to avoid the\nForeign Transaction Fee.\n\n19) Fair Credit Reporting Act Notification. We may report the\nstatus and payment history of your account to credit reporting agencies\neach month. If you believe that the information that we have reported\nis inaccurate or incomplete, please notify us in writing at PO Box 889,\nTexas City, TX 77592-0889. Please include your name, address, telephone\nnumbers and account number.\n\nYou must notify us of any potential errors in writing or electronically. You may\ncall us, but if you do we are not required to investigate any potential errors\nand you may have to pay the amount in question.\n\n20) Additional Provisions. Each provision of this Agreement must be\nconsidered as part of the total agreement and cannot, in any way, be severed\nfrom it. However, you also agree that should any part of the Agreement be found\ninvalid, it will in no way affect the remainder of the Agreement. You understood\nthat the validity, construction and enforcement of this Agreement shall be\ngoverned by the laws of the State of Texas. The Credit Union does not warrant\nany merchandise or services purchased by you with the card. All purchases and\ncash advances are extended at the option of the merchant or cash advancing\nfinancial institution and the Credit Union is not responsible for refusal of\nany merchant or financial institution to honor your card. The card(s) remain\nour property at all times, and you agree to immediately surrender the cards\nupon demand. We can accept late payments or partial payments, or checks\nor money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without losing any of our rights\nunder this Agreement. We can also delay enforcing any of our rights under\nthis Agreement any number of times without losing them. You expressly\nwaive presentment for payment, demand, protest, and notice of protest and\ndishonor of same. You agree to give us prompt notice of any change in your\nname, mailing address, telephone number or place of employment.\n\n1. Within 30 days of receiving your letter, we must tell you that we received\nyour letter. We will also tell you if we have already corrected the error.\n\nThis notice tells you about your rights and our responsibilities under\nthe Fair Credit Billing Act.\n\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n\n2. Within 90 days of receiving your letter, we must either correct the error or\nexplain to you why we believe your statement is correct.\nWhile we investigate whether or not there has been an error:\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nAfter we finish our investigation, one of two things will happen:\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\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:\nAMOCO Federal Credit Union\nP.O. Box 889\n2300 Texas Ave.\nTexas CityTX 77592-0889\n\n\xe2\x80\xa2\n\nYou may also contact us on the Web: www.amocofcu.org\n\n17) Visa Emergency Cash And Emergency Card Replacement Services. If this\nservice is available, you acknowledge that we may provide personal data concerning\nyou to VISA USA, its members, or their respective contractors for the purpose\nof providing you with VISA Emergency Cash and Emergency Card Replacement\nServices, and you consent to the release of your information for these purposes.\n\nIn your letter, give us the following information:\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\nstatement, describe what you believe is wrong and why you\nbelieve it is a mistake.\n\n18) CREDIT INVESTIGATION: In conjunction with your application for credit\nand, if approved, maintenance of your account, you agree that we have the\nright to investigate your credit and employment history, to verify your credit\nreferences, to request and use credit reports, and to report the way you pay\nyour account to credit bureaus and other interested parties.\n\nYou must contact us:\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you think\nis wrong.\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWe cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\nThe charge in question may remain on your statement, and we\nmay continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\n\n\xe2\x80\xa2\n\nIf we made a mistake: You will not have to pay the amount in\nquestion 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\namount in question along with applicable interest and fees. We\nwill send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do\nnot pay the amount we think you owe.\nIf you receive our explanation but still believe your statement is\nwrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your statement.\nWe must tell you the name of anyone to whom we reported you\nas delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to\npay the first $50 of the amount you question even if your bill is\ncorrect.\n\nYour Rights if You are Dissatisfied with Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with\nyour credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due\non the purchase. To 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\nof your current mailing address, and the purchase price must have been\nmore than $50. (Note: Neither of these are necessary if your purchase was\nbased on an advertisement we mailed to you, or if we own the company\nthat sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses your credit card\naccount do not qualify.\n3. You must not yet have fully paid for the purchase. If all of the criteria above\nare met and you are still dissatisfied with the purchase, contact us in writing\nor electronically at:\n\nREWARDS!\nCredit Card\nAgreement\n\nAMOCO Federal Credit Union\nP.O. Box 889\n2300 Texas Ave.\nTexas City, TX 77592-0889\nwww.amocofcu.org\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\nMailing Address\nP.O. Box 889\nTexas City, TX\n77592-0889\nPhone Numbers\nPH 409.948.8541\nTX 800.392.3813\nUS 800.231.6053\nwww.amocofcu.org\n\n\x0cCredit Card Agreement\nThis Agreement Covers: VISA\xc2\xae Platinum Rewards, MasterCard\xc2\xae Platinum\nRewards with AMOCO Federal Credit Union.\nBy using or permitting another to use your VISA Platinum Rewards, and/or\nMasterCard Platinum Rewards card(s), you are accepting this Agreement and\nagreeing to pay all amounts that will be owing in connection with your\naccount. You also acknowledge receipt of a copy of this Agreement. In this\nAgreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each person who signed this\napplication and his/her heirs and personal representatives, and any other\nperson that uses the card. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean AMOCO\nFederal Credit Union. All of your obligations under this Agreement, including any\nINTEREST CHARGES, are owed to the Credit Union. The word \xe2\x80\x9caccount\xe2\x80\x9d\nmeans any number of VISA Platinum and/or MasterCard Platinum accounts\nestablished for you under this Agreement. \xe2\x80\x9cUse of this card\xe2\x80\x9d means any procedure\nused by you, or someone authorized by you, to make a purchase or obtain a cash\nadvance whether or not the purchase or advance is evidenced by a signed\nwritten document. \xe2\x80\x9cUnauthorized\xe2\x80\x9d use of the card\xe2\x80\x9d means that use of the card\nby someone other than you who does not have actual, implied, or apparent\nauthority for such use, and from which you receive no benefit.\nSECURITY INTEREST AND PLEDGE OF SHARES: YOU PLEDGE TO\nUS AND GRANT TO US A CONSENSUAL SECURITY INTEREST IN\nALL INDIVIDUAL AND JOINT ACCOUNTS MAINTAINED WITH\nUS IN WHICH YOU HAVE INTEREST NOW OR IN THE FUTURE,\nEXCEPT AMOUNTS HELD IN AN IRA OR KEOGH PLAN, TO SECURE\nREPAYMENT OF AMOUNTS OWING UNDER THIS CREDIT CARD\nACCOUNT, TOGETHER WITH ANY FEES OR COSTS WHICH MAY BE\nASSESSED AGAINST THE ACCOUNT UNDER THE TERMS OF THIS\nAGREEMENT. THE GRANTING OF THIS SECURITY INTEREST IS A\nCONDITION FOR THE ISSUANCE OF ANY CARD THAT YOU MAY USE,\nDIRECTLY OR INDIRECTLY, TO OBTAIN EXTENSIONS OF CREDIT\nUNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT UNDER THIS\nAGREEMENT, YOU AUTHORIZE US TO APPLY ANY AND ALL AMOUNTS\nON DEPOSIT IN ANY ACCOUNT IN WHICH YOU HAVE AN INTEREST\nNOW OR IN THE FUTURE TO THE PAYMENT OF ALL AMOUNTS\nOWING UNDER THIS CREDIT CARD ACCOUNT.\nAdditional Security: If you have other loans with us, now or in the future,\ncollateral securing such loans may also secure your obligations under this\nAgreement. This security interest does not apply to Home Equity loans, or any\nother dwelling-secured loan. Please read any security agreement you sign in\norder to determine if the collateral also secures your obligations under this\nAgreement and any other agreements you have with us.\n1) Extensions of Credit. If your application is approved, the Credit Union may,\nat its discretion, establish a credit card account in your name and cause one or\nmore cards to be issued to you or those designated by you. In such event, you\n\nauthorize the Credit Union to pay for your account, all items reflecting credit\npurchases and cash advances obtained through use of the card. The Credit\nUnion, may at its discretion, issue checks to you which may be used for any\npurpose other than making a payment for credit to your account. Any check\nwritten by you will be considered as a cash advance, even if used to make a\npurchase. By signing such a check, you authorize the Credit Union to pay the\nitem for the amount indicated and post such amounts as cash advance to your\naccount. The Credit Union does not have to pay any item which would cause the\noutstanding balance in your account to exceed your credit limit. Please refer to\nthe attached Rate and Fee Disclosures for charges that apply in connection with\ncredit card convenience checks.\n2) Joint Applicant Liability. If this Agreement is executed by more than\none person, each of you shall be jointly and individually liable to us for all\ncharges made to the account, including applicable fees. In addition, you agree\nthat each of you designates the other as agent for the purpose of making\npurchases extended under this Agreement and each use of your account shall\nbe an extension of credit to all. Notice to one of you shall constitute notice\nto all. Any joint cardholder may remove him/herself from responsibility for\nfuture purchases at any time by notifying us in writing. However, removal\nfrom the account does not release the joint cardholder from any liability\nalready incurred.\n3) Others Using Your Account. If you allow anyone else to use your card,\nyou will be liable for all credit extended to such persons. You promise to pay\nfor all purchases, balance transfers, and cash advances made by anyone\nwhom you authorize to use your card, whether or not you notify us that he\nor she will be using it. If someone else is authorized to use your card and you\nwant to end that person\xe2\x80\x99s privilege, you must notify us in writing, and if he\nor she has a card, you must return the card with your written notice for it to\nbe effective.\n4) Credit Limits. You promise the payments made for your account resulting\nfrom use of the card will, at no time, cause the outstanding balance in your\naccount to exceed your credit limit as disclosed to you at the time you receive\nyour card or as adjusted from time to time at the discretion of the Credit Union.\n5) Promise To Pay. You promise to repay the Credit Union all payments made\nfor your account resulting from use of the card, plus INTEREST CHARGES on the\nunpaid balance. At the end of each monthly billing cycle, you will be furnished\nwith a periodic statement showing (1) the \xe2\x80\x9cprevious balance\xe2\x80\x9d (the outstanding\nbalance in the account at the beginning of the billing cycle), (2) the amount\nof all cash advances, balance transfers, purchases and INTEREST CHARGES\nposted to your account during the billing cycle, (3) the amount of all payments\nand credits posted to your account during the billing cycle, and (4) the \xe2\x80\x9cnew\nbalance\xe2\x80\x9d which is the sum of (1) and (2) less (3). You agree to pay on or before\nthe \xe2\x80\x9cpayment due date\xe2\x80\x9d shown on the periodic statement either the entire \xe2\x80\x9cnew\nbalance\xe2\x80\x9d, or a minimum payment equal to 3% of the \xe2\x80\x9cnew balance\xe2\x80\x9d, or $18.00,\nwhichever is greater, if the \xe2\x80\x9cnew balance\xe2\x80\x9d is $18.00 or less, you will pay in full.\n\n6) Cost of Credit. You will pay INTEREST CHARGES for all advances made\nagainst your account. INTEREST CHARGES for cash advances and balance\ntransfers begin to accrue on the date of the advance. New purchases will not\nincur an INTEREST CHARGE on the date they are posted to your account if you\nhave paid the account in full by the \xe2\x80\x9cpayment due date\xe2\x80\x9d shown on your most\nrecent monthly statement, or if there was no previous balance.\nThereafter, your account is subject to a variable rate, and the APR may increase.\nThe applicable periodic rate used to compute the INTEREST CHARGES for\nall advances is based on an index (the \xe2\x80\x9cIndex\xe2\x80\x9d), which is the Prime Rate as\npublished in the Money Rates section of The Wall Street Journal on the 10th day\nof the month and is subject to change monthly. If the 10th falls on a weekend or\na holiday in any given month, then we will use the Prime Rate published on the\nnext business day for that month. Any change in the Index will be effective on\nthe first day of the billing cycle in the month following the date of the change.\nAn increase in the Index may result in an increase in the periodic rate, which\nin turn, may result in higher payments. We retain the discretion not to increase\nyour rate when the Index increases, but such action does not preclude us from\nincreasing the rate in step with Index increases on future occasions.\nWe will add a margin to the Index to determine your daily periodic rate and\ncorresponding APR. The margin for VISA Platinum Rewards, and MasterCard\nPlatinum Rewards accounts is set forth in the Rate Disclosure attached to this\nAgreement.\nThe daily periodic rates and corresponding APRs for VISA Platinum Rewards,\nand MasterCard Platinum Rewards accounts are set forth in the Rate Disclosure\nattached to this Agreement. The maximum rate for all accounts will never exceed\na daily periodic rate of .049315%, which corresponds to an APR of 18%.\nThe INTEREST CHARGE is figured by applying the periodic rate to the \xe2\x80\x9cbalance\nsubject to INTEREST CHARGE\xe2\x80\x9d which is the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of your\naccount, including certain current transactions. The \xe2\x80\x9caverage daily balance\xe2\x80\x9d is\narrived at by taking the beginning balance of your account each day, adding in\nany new cash advances and balance transfers, and unless you pay your account\nin full by the \xe2\x80\x9cpayment due date\xe2\x80\x9d shown on the previous monthly statement\nor there is no previous balance, adding in new purchases, and subtracting any\npayments or credits and unpaid INTEREST CHARGES. This gives us the daily\nbalance. The daily balances for the billing cycle are then added together and\ndivided by the number of days in the billing cycle. The result is the \xe2\x80\x9caverage\ndaily balance.\xe2\x80\x9d The INTEREST CHARGE is determined by multiplying the\n\xe2\x80\x9caverage daily balance\xe2\x80\x9d by the number of days in the billing cycle and applying\nthe periodic rate to the product.\nNo additional INTEREST CHARGES will be incurred whenever you pay the\naccount in full by the \xe2\x80\x9cpayment due date\xe2\x80\x9d as reflected on your most recent\nmonthly statement. The \xe2\x80\x9cpayment due date\xe2\x80\x9d is not less than 25 days from the\nbilling cycle closing date shown on your statement. You may pay any amounts\noutstanding at any time without penalty for early repayment.\n\n7) Other Charges. Please refer to the attached Rate and Fee Disclosures for\nother charges that apply in connection with your credit card account.\n8) Credit Insurance. Credit life and/or credit disability insurance is optional. If\nyou qualify for and purchase the insurance from us, you authorize us to add the\ninsurance premiums monthly to your loan balance and charge you interest on\nthe entire balance. If you elect credit insurance, your payments may increase or\nthe period of time necessary to repay your advance may be extended. The credit\ninsurance rates may change. If the rates change, we will provide any notices\nrequired by applicable law.\n9) Visa Card Liability for Unauthorized Use. If you notice the loss or theft\nof your VISA card or a possible unauthorized use of your VISA card, you should\ncall the Credit Card Center immediately at:\n(800) 442-4757\nUnder VISA\xe2\x80\x99s zero liability policy, you will not be liable for unauthorized use\nof your VISA card once you notify us orally or in writing of the loss, theft, or\npossible unauthorized use. The foregoing zero liability policy does not apply\nif you are grossly negligent or fraudulent in the handling of your account or your\nVISA card, nor does it apply in the case of cash advances obtained at an ATM.\nYou will not be liable for any unauthorized use that occurs after you notify\nus. You may, however, be liable for unauthorized use that occurs before your\nnotice to us. In any case, your liability will not exceed $50.00.\n10) MasterCard Liability for Unauthorized Use. If you notice the loss or\ntheft of your MasterCard or a possible unauthorized use of your MasterCard,\nyou should call the Credit Card Center immediately at:\n(800) 442-4757\nUnder MasterCard\xe2\x80\x99s zero liability policy, you will not be liable for any\nunauthorized use of your MasterCard once you notify us orally or in writing\nof the loss, theft, or possible unauthorized use and you meet the following\nconditions: (1) you have exercised reasonable care with the MasterCard;\n(2) you have not reported two or more incidents of unauthorized use of the\nMasterCard within the previous 12 months; and (3) you have maintained your\naccount in good standing. The foregoing zero liability policy does not apply to\ncash advances obtained at an ATM.\nYou will not be liable for any unauthorized use that occurs after you notify\nus. You may, however, be liable for unauthorized use that occurs before your\nnotice to us. In any case, your liability will not exceed $50.00.\n11) Crediting Payments. All payments on your account will be applied first to\ncollection costs, then to any INTEREST CHARGES and other fees due, and then\nto the unpaid principal balance. All payments made on your account at the\naddress designated for payment on the monthly periodic statement or at any\nof our branch offices during our business hours will be credited to your account\non the date of receipt. If we receive a payment on a day that is not a business\n\nday for us or at a time that we are not open, your payment may be credited\non the first business day following receipt. Interest paid or agreed to be paid\nshall not exceed the maximum amount permissible under applicable law, and\nin any contingency whatsoever, if we shall receive anything of value deemed\ninterest under applicable law which would exceed the maximum amount\nof interest permissible under applicable law, the excessive interest shall be\napplied to the reduction of the unpaid principal amount or refunded to you.\n12) Default. You will be in default: (1) if you fail to make any payment\non time; (2) if you fail to keep any promises you have made under this or any\nother agreement with the Credit Union; (3) if you are the subject of an order\nfor relief Under Title 11 of the U.S. Code (Bankruptcy); (4) if anyone tries, by\nlegal process, to take any of your money in the Credit Union; (5) if you have given\nthe Credit Union false or inaccurate information in obtaining your card, or (6) if\nanything happens which the Credit Union reasonably believes endangers your\nability to repay what you owe.\n13) Acceleration. If you are in default; the Credit Union may, without prior\nnotice to you, call any amounts you still owe immediately due and payable\nplus INTEREST CHARGES which shall continue to accrue until the entire amount\nis paid. You expressly waive any right to notice of demand, including but\nnot limited to, demand upon default, notice of intention to accelerate, and\nnotice of acceleration. The card remains the property of the Credit Union at all\ntimes, and you agree to immediately surrender the card upon demand of the\nCredit Union. You agree to pay all reasonable costs of collection, including\ncourt costs and attorney\xe2\x80\x99s fees imposed and any cost incurred in the recovery\nof the card.\n14) Termination or Changes. The Credit Union may add to, delete, or change\nthe terms of this Agreement from time to time. Notice of any change will be\ngiven in accordance with applicable law. If permitted by law and specified in\nthe notice to you, the change will apply to your existing account balance as\nwell as to future transactions. Either you or the Credit Union may terminate\nthis Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any INTEREST\nCHARGES and other charges you owe under this Agreement. You are also\nresponsible for all transactions made to your account after termination, unless\nthe transactions were unauthorized. The card or cards you receive remain the\nproperty of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether\nby you or the Credit Union. The Credit Union has the right to require you to\npay off your full account balance at any time after your account is terminated,\nwhether it is terminated by you or the Credit Union.\n15) Unlawful Transactions. Your Credit Union credit card account(s)\nmay not be used for any illegal or unlawful transactions. You agree that\nwe may decline to process any transaction that we believe in good faith to\nbe for an illegal purpose. You agree that we will not be liable for declining\nto process any such transaction. If we do process any transaction that\nultimately is determined to have been for an illegal purpose, you agree that\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nPLATINUM MASTERCARD/PLATINUM REWARDS\nMASTERCARD/SECURED MASTERCARD\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nRates Effective 03.17.2020\nPlatinum MasterCard\n\n0.00%\n\nIntroductory APR for a period of 12 billing cycles.\n\n9.24% to 24.99%\n\nAfter that, your APR will be\n, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nPlatinum Rewards MasterCard\n\n0.00%\n\nIntroductory APR for a period of 12 billing cycles.\n\n12.24% to 26.99%\n\nAfter that, your APR will be\n, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nSecured MasterCard\n\n19.99%\n\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\nPlatinum MasterCard\n0.00% Introductory APR for a period of 12 billing cycles.\nAfter that, your APR will be 9.24% to 24.99%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nPlatinum Rewards MasterCard\n0.00% Introductory APR for a period of 12 billing cycles.\nAfter that, your APR will be 12.24% to 26.99%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\n\nAPR for Cash Advances\n\nSecured MasterCard\n19.99%\nThis APR will vary with the market based on the Prime Rate.\nPlatinum MasterCard\n22.74% to 28.24%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nPlatinum Rewards MasterCard\n22.74% to 30.24%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nSecured MasterCard\n25.49%\nThis APR will vary with the market based on the Prime Rate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n10429040-MXC10-C-1-090817 (MXC101-E)\n\n\x0cHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee - Platinum\nMasterCard\n- Foreign Transaction Fee - Platinum\nRewards MasterCard\n- Foreign Transaction Fee - Secured\nMasterCard\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\n$10.00 or 3.00% of the amount of each balance transfer, whichever is\ngreater\n$10.00 or 4.00% of the amount of each cash advance, whichever is greater\n3.00% of each transaction in U.S. dollars\nNone\n1.00% of each transaction in U.S. dollars\n\nUp to $7.00\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR - Platinum MasterCard, Platinum Rewards MasterCard: The Introductory\nAPR for purchases will apply to transactions posted to your account during the first 12 months following the opening of\nyour account. The Introductory APR for balance transfers will apply to transactions posted to your account during the first\n90 days following the opening of your account. Any existing balances on Financial Partners Credit Union loan or credit\ncard accounts are not eligible for the Introductory APR for balance transfers.\nLoss of Introductory APR: We may end your Introductory APR for purchases and balance transfers and apply the\nprevailing non-introductory APR if you are 60 days late in making a payment.\nEffective Date: The information about the costs of the card described in this application is accurate as of: November 05, 2019 .\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Secured MasterCard is a secured credit card. Credit extended under this credit card\naccount is secured by various personal property and money including, but not limited to: (a) any goods you\npurchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate\nPledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding\nshares in an Individual Retirement Account or in any other account that would lose special tax treatment under\nstate or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.\nNotwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered\nborrower under the Military Lending Act your credit card will be secured by any specific Pledge of Shares you\ngrant us but will not be secured by all shares you have in any individual or joint account with the Credit Union.\nFor clarity, you will not be deemed a covered borrower if: (i) you establish your credit card account when you are\nnot a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee: $7.00 or the amount of the required minimum payment, whichever is less, if you are five or more days\nlate in making a payment.\nBalance Transfer Fee (Finance Charge): $10.00 or 3.00% of the amount of each balance transfer, whichever is greater.\nCash Advance Fee (Finance Charge): $10.00 or 4.00% of the amount of each cash advance, whichever is greater.\nOver-the-Credit Limit Fee: $25.00 or the amount of the transaction exceeding your approved credit limit, whichever is less.\nReturned Payment Fee: $25.00 or the amount of the required minimum payment, whichever is less.\n\nMastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n10429040-MXC10-C-1-090817 (MXC101-E)\n\n\x0c'


b'PLATINUM MASTERCARD AND CLASSIC MASTERCARD\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the MasterCard credit card and any duplicates, renewals, or\nsubstitutions the Credit Union issues to you; "account" means your MasterCard credit card line-of-credit account with the\nCredit Union; and "Credit Union" means the Credit Union whose name appears on this Agreement or anyone to whom the\nCredit Union transfers this Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\n(6) months and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers and money orders. This paragraph shall not\nbe interpreted as permitting or authorizing any transaction that is illegal.\n3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\n\xc2\xa9CUNA MUTUAL GROUP, 1991, 2006, 09, 10, ALL RIGHTS RESERVED\n\nDCAEO4 (MXC500 CCM001)-e\n\n\x0canother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of\npurchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the\nbilling cycle in which the cash advance is posted to your account, whichever is later (transaction date).\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of\npurchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate used to convert foreign currency transactions to U.S. dollars is either a\ngovernment-mandated exchange rate or a wholesale exchange rate and is selected by MasterCard. The rate MasterCard\nuses for a particular transaction is the rate MasterCard selects for the applicable currency on the day the transaction is\nprocessed. This rate may differ from the rate applicable on the date the transaction occurred or was posted to your\naccount.\nA fee (finance charge) will be charged on all transactions completed outside of the United States, where the cardholder\xe2\x80\x99s\ncountry code differs from the merchant\xe2\x80\x99s country code. A fee (finance charge) will be charged on all transactions\ncompleted in a foreign currency. All fees are calculated based on the transaction amount after it is converted to U.S.\ndollars. These fees are charged except where excluded. The Foreign Transaction Fee is set forth on the Disclosure\naccompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Balance Transfer Fee. If your account is subject to a Balance Transfer Fee, the fee will be charged to your account\nwhen you transfer a balance from an account of another creditor to the account subject to this Agreement.\nb. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee\nwill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial\ninstitution.\nc. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance\ncharge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.\nd. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\ne. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may\ncharge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing\n\xc2\xa9CUNA MUTUAL GROUP, 1991, 2006, 09, 10, ALL RIGHTS RESERVED\n\nDCAEO4 (MXC500 CCM001)-e\n\n\x0ccycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent\ncycle or you have reduced the balance below the credit limit as of the end of each bill cycle.\nf. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned for any reason.\ng. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee\nmay be charged to your account for each copy of a sales draft or statement that you request (except when the request is\nmade in connection with a billing error made by the Credit Union).\nh. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your\naccount for each rush card that you request, providing delivery of the card is also available by standard mail service,\nwithout paying a fee for delivery.\ni. Stop Payment on Convenience Check Fee. If your account is subject to the Stop Payment on Convenience Check\nFee, a fee will be charged to your account as disclosed on the Disclosure accompanying this Agreement.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). For our Platinum MasterCard, the minimum payment is\n3.00% of your total new balance, or $25.00, whichever is greater, plus the amount of any prior minimum payments that\nyou have not made, all outstanding unpaid fees and charges, and any amount you are over your credit limit by the date\nspecified on the statement. For our Classic MasterCard, the minimum payment is 3.00% of your total new balance, or\n$25.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all outstanding\nunpaid fees and charges, and any amount you are over your credit limit by the date specified on the statement. The Credit\nUnion also has the right to demand immediate payment of any amount by which you are over your credit limit.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date\nthat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the\nperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at 7800 E. Imperial Hwy, Downey, CA 90242 or telephone (800) 950-7328 seven (7) days\na week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized\nuse of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or\npossible unauthorized use. However, if you exercise reasonable care in safeguarding your card from risk of loss or theft, if\nyou have not reported two (2) or more incidents of unauthorized use in the last 12 months, and if your account is in good\nstanding, you will not be liable for any unauthorized purchase transactions. In any case, your liability will not exceed\n$50.00.\n\n\xc2\xa9CUNA MUTUAL GROUP, 1991, 2006, 09, 10, ALL RIGHTS RESERVED\n\nDCAEO4 (MXC500 CCM001)-e\n\n\x0c13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six (6) months.\n17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advances, credit or other slips you sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed to you at the appropriate address you have\ngiven the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of gambling\ntransaction.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\n\xc2\xa9CUNA MUTUAL GROUP, 1991, 2006, 09, 10, ALL RIGHTS RESERVED\n\nDCAEO4 (MXC500 CCM001)-e\n\n\x0csubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n28. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nFinancial Partners Credit Union\n7800 E. Imperial Hwy\nDowney, CA 90242\nYou may also contact us on the Web: www.fpcu.org\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are not required\nto investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report you as delinquent on that amount.\n- The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n- If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n\xc2\xa9CUNA MUTUAL GROUP, 1991, 2006, 09, 10, ALL RIGHTS RESERVED\n\nDCAEO4 (MXC500 CCM001)-e\n\n\x0c1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or electronically]\nat:\nFinancial Partners Credit Union\n7800 E. Imperial Hwy\nDowney, CA 90242\nwww.fpcu.org\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation,\nwe will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as\ndelinquent.\nNOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 Federal law requires us to provide the following notice to members before\nany \xe2\x80\x9cnegative information\xe2\x80\x9d may be furnished to a nationwide consumer reporting agency. We may report information\nabout your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be\nreflected in your credit report.\n\n\xc2\xa9CUNA MUTUAL GROUP, 1991, 2006, 09, 10, ALL RIGHTS RESERVED\n\nDCAEO4 (MXC500 CCM001)-e\n\n\x0c'