b'3/17/2021\n\nVisa Credit Card Application: Apply Online | Merchants Bank\n\nLocal Community Banking\nLocated in Minnesota and Wisconsin\n(/)\nHome (/) \xe2\x80\xba\n\nCredit Card Application\nVisa\xc2\xae Credit Card Disclosures\nPlease scroll left to view the rest of the table.\nIntroductory Period Annual Percentage Rate (APR) for\npurchases, balance transfers and cash advances\n\nA \xef\xac\x81xed 0% APR for six months from the date account is open (1)\n\nAnnual Percentage Rate (APR) for purchases and\nbalance transfers after the introductory period\n\nVisa\xc2\xae Classic ScoreCard 9.99%\n\n(2,3)\n\nVisa\xc2\xae Platinum ScoreCard-Merchandise 9.99%\nVisa\xc2\xae Platinum ScoreCard-Cash Back 9.99%\n\n(2,3)\n\n(2,3)\n\nCash Advance APR\n\n14.99% (3)\n\nMethod of Computing Balance for Purchases\n\nAverage daily balance including new purchases\n\nHow to Avoid Paying Interest on Purchases\n\nThe account balance is paid in full within 25 days after the statement closing\ndate (3,4)\n\nMinimum Finance Charge\n\nNone (4)\n\nhttps://www.merchantsbank.com/credit-card\n\n1/5\n\n\x0c3/17/2021\n\nVisa Credit Card Application: Apply Online | Merchants Bank\n\nFor Credit Card Tips from the Consumer\nFinancial\nlearn more about factors to consider when applying for or using a credit card,\nLocal\nCommunityTo\nBanking\nProtection Bureau\nvisit the website of the Consumer Financial Protection Bureau at\nLocated in Minnesota and Wisconsin\nhttp://www.consumer\xef\xac\x81nance.gov/learnmore\n(http://www.consumer\xef\xac\x81nance.gov/learnmore)\n(/)\nFEES\nAnnual Membership Fee\n\nVisa\xc2\xae Classic & Visa\xc2\xae Platinum ScoreCard-Merchandise: None\nVisa\xc2\xae ScoreCard-Cash Back: $30\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer\n\xe2\x80\xa2 Cash Advance\n\xe2\x80\xa2 Foreign Transaction\n\nNone\n$3\n1% of the converted transaction amount\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Over-the-Credit Limit\n\xe2\x80\xa2 Returned Payment\n\n$7.80\nNone\nNone\n\nOther Fees\n\nReplacement Card Fee: $10 if card is replaced more than once in any 12 month\nperiod\nExpedited Card Delivery Fee: $20\n\nThese Account Terms are true as of 7/6/20. Terms are subject to change. Should you have any questions regarding changes after printing\ndate, please contact us.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d, including new purchases.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\n(1) INTRODUCTORY INTEREST RATE (for new purchases, balance transfers and cash advances) \xe2\x80\x94 From the account-opening date, the introductory interest rate will be 0% APR FIXED FOR\nSIX MONTHS. Thereafter the rate will be the APR disclosed in the above \xe2\x80\x9cACCOUNT TERMS" for the type of Visa credit card you obtain, based on the terms and conditions in the\napplication. See full details of Account conditions and terms in the Bank Credit Card Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) provided separately from the application and/or credit card at account\nopening.\nhttps://www.merchantsbank.com/credit-card\n\n2/5\n\n\x0c3/17/2021\n\nVisa Credit Card Application: Apply Online | Merchants Bank\n\n(2) Visa \xc2\xae Classic ScoreCard, Visa Platinum ScoreCard-Merchandise and Visa Platinum ScoreCard-Cash Back are subject to a FINANCE CHARGE of .83%, which is equal to an APR of\n9.99%.\nLocal Community Banking\n\ninare\nMinnesota\nand Wisconsin\n(3) WHEN INTEREST RATES BEGIN TO ACCRUE. All Located\ncash advances\nsubject to a FINANCE\nCHARGE from the date of the cash advance.\n(4)\n(/) How We Will Calculate Your Balance \xe2\x80\x94 Purchases are subject to a \xef\xac\x81nance charge from the date they are posted to the account; however, no interest is imposed on purchases if the\naccount balance is paid in full within 25 days after the statement closing date. If you elect not to pay the entire new balance shown on your previous monthly statement within that 25day period, a \xef\xac\x81nance charge will be imposed on the unpaid average daily balance of such Credit Purchases from the previous statement closing date and on new Credit Purchases from\nthe date of posting to your account during the current billing cycle, and will continue to accrue until the closing date of the billing cycle preceding the date on which the entire new\nbalance is paid in full or until the date of payment if more than 25 days from the closing date. The \xef\xac\x81nance charge for a billing cycle is computed by applying the monthly periodic rate to\nthe average daily balance of Credit Purchases, which is determined by dividing the sum of the daily balances during the billing cycle by the number of days in the cycle. Each daily\nbalance of Credit Purchases is determined by adding to the outstanding unpaid balance of Credit Purchases at the beginning of the billing cycle any new Credit Purchases posted to your\naccount, and subtracting any payments as received or credits as posted to your account, but excluding any unpaid \xef\xac\x81nance charges.\n(5) ScoreCard(SM) Bonus Point Program\nComplete ScoreCard Bonus Point Program rules will be sent with your \xef\xac\x81rst statement. Rewards begin to accumulate after you have received and activated your new card. Points accrued\nwill expire \xef\xac\x81ve years after they are earned. March 31 is the expiration date for points not redeemed within the previous \xef\xac\x81ve year period. For example, if a purchase is made November\n11, 2015, the points will not expire until March 31, 2021.\nChanges: We may add, change, or delete any of the terms of your account and the corresponding Credit Card Agreement (including, but not limited to, Annual Percentage Rate and other\nsigni\xef\xac\x81cant changes) in accordance with the agreement and applicable laws.\n\nTips for Submitting Your Application\nDo not use Internet Explorer when completing the application. Any other browser is recommended.\nMake sure to complete all the required \xef\xac\x81elds (noted by an asterisk).\nPlease click the Submit button once and wait for a thank you message to appear.\nIf you do not see a thank you message after clicking submit, your application has not been successfully submitted.\nImportant Information About Opening an Account\nTo help the government \xef\xac\x81ght the funding of terrorism and money laundering activities, Federal law requires all \xef\xac\x81nancial\ninstitutions to obtain, verify and record information that identi\xef\xac\x81es each person who opens an account.\nWhen you open an account, we will ask for your name, address, date of birth, and other information that will allow us to\nidentify you. We may ask to see your driver\'s license or other identifying documents. We do not pull a credit report as part\nof our deposit account opening process. A credit report will only be pulled if you complete a separate application for a\ncredit product.\nhttps://www.merchantsbank.com/credit-card\n\n3/5\n\n\x0c3/17/2021\n\nVisa Credit Card Application: Apply Online | Merchants Bank\n\n* What state do you currently reside in?\n\nplease select\n\nLocal Community Banking\nLocated in Minnesota and Wisconsin\n\nCredit Card applications are accepted from select states (MN, WI, IA). Other program restrictions may apply, please consult your loan of\xef\xac\x81cer for details.\n\n(/)\n\n* Which bank location do/would you frequent most?\n\nplease select\n* Do you intend to apply for Individual or Joint credit?\nIndividual Credit\n\nJoint Credit\n\nPage 1 of 3\nCONTINUE\n\nBACK TO TOP\n\nRouting Number 091900193\nMain: (800) 944-6285 (tel:18009446285)\nElectronic Banking: (866) 496-0522 (tel:18664960522)\nHours & Locations (/\xef\xac\x81nd-a-branch-or-atm)\nPrivacy Policy (/privacy-policy)\nWebsite Accessibility (/accessibility-policy)\nTerms & Conditions (/terms-and-conditions)\nUSA Patriot Act (/usa-patriot-act)\nInvestor Relations (/about/investor-relations)\nhttps://www.merchantsbank.com/credit-card\n\n4/5\n\n\x0c3/17/2021\n\nVisa Credit Card Application: Apply Online | Merchants Bank\n\nContact Us (/about/contact-us)\n\nLocal Community Banking\nLocated in Minnesota(https://www.instagram.com/merchants.bank/)\nand Wisconsin\n(https://www.facebook.com/MerchantsBank/)\n\n(http://blog.merchantsbank.com/)\n(https://www.linkedin.com/company/merchants-bank-na)\n(/)\n(https://www.youtube.com/user/MerchantsBank1875)\n\xc2\xa9 2021 Merchants Bank. All rights reserved.\nVerified: Mar 17, 2021\n\nhttps://www.merchantsbank.com/credit-card\n\n5/5\n\n\x0c'


b'VISA CREDIT CARD AGREEMENT AND TRUTH-IN LENDING DISCLOSURE\nWITH FEDCHOICE FEDERAL CREDIT UNION\nIF YOU ACTIVATE OR USE YOUR VISA CREDIT CARD, YOU ACKNOWLEDGE THAT YOU HAVE\nRECEIVED AND READ THIS AGREEMENT AND DISCLOSURE STATEMENT\nIn this Agreement and Disclosure Statement (\xe2\x80\x9cAgreement\xe2\x80\x9d) the words, \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour,\xe2\x80\x9d mean each and all of those who\napply for or otherwise are responsible for the VISA card account issued by FedChoice Federal Credit Union. \xe2\x80\x9cCard\xe2\x80\x9d\nmeans the VISA card issued by FedChoice Federal Credit Union and any duplicates, additional cards and renewals we\nissue as well as other access devices, such as convenience checks and Account numbers, that we give you to access\nyour Account. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean FedChoice Federal Credit Union. This Agreement contains the terms and\ndisclosures that apply to your VISA Credit Card Account (\xe2\x80\x9cAccount\xe2\x80\x9d) with FedChoice Federal Credit Union and will be\nbinding on you unless you cancel your Account within 30 days after receiving your Card and you have not used or\nauthorized use of your Account. By applying for or using the Card, you agree that we may provide your personal data to\nVISA U.S.A., its members or their agents for the purpose of providing emergency cash and emergency credit card\nreplacement services.\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR)\nfor\nPurchases,\nBalance\nTransfers\nand\nCash Advances\nPaying Interest\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\nFees\nTransaction Fees\n\xe2\x80\xa2 Foreign Transactions\nPenalty Fees\n\xe2\x80\xa2 Late Payment\n\xe2\x80\xa2 Returned Payment\n\nYour due date is at least 27 days after the close of each billing cycle. We will not charge\nyou any interest on purchases if you pay your entire balance by the due date each month.\nWe will begin charging interest on cash advances and balance transfers on the transaction\ndate.\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore.\n\n1% of each foreign transaction in U.S. dollars.\n\nUp to $35\nUp to $33\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new transactions).\xe2\x80\x9d See below for\nmore details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided below.\nInterest: We will charge and you agree to pay interest calculated by multiplying the monthly average daily balances for purchases and\ncash advances for your Account by the monthly periodic rate. Balance transfers are considered cash advances. To determine the\nmonthly periodic rate, we divide the APR by 12. The Prime Rate described below is a pricing index and is not the lowest or best\ninterest rate available.\nPlatinum Accounts:\n% monthly periodic rate (\n% corresponding ANNUAL PERCENTAGE RATE). The APR may increase\nand decrease 12 times a year and is determined by adding a margin of\n% to an Index. The new APR will be effective on the\nfirst day of the billing cycle following any APR adjustment. An increase in the APR may result in more monthly payments and higher\npayment amounts. The Index is the highest Prime Rate as published in The Wall Street Journal \xe2\x80\x9cmoney rates\xe2\x80\x9d table on the last\nbusiness day of each calendar month. In no event will the APR be greater than 18.00%.\nGold Accounts:\n% monthly periodic rate for the first 6 billing cycles (\n% corresponding ANNUAL PERCENTAGE RATE)\nand then\n% monthly periodic rate (\n% ANNUAL PERCENTAGE RATE).\nShare Secured Accounts:\n% monthly periodic rate (\n%corresponding ANNUAL PERCENTAGE RATE). The APR may\nst\nincrease and decrease twice a year on the 1 of January and July and is determined by adding a margin of 7% to an Index. The new\nAPR will be effective on the first day of the billing cycle following any APR adjustment. An increase in the APR may result in more\n\n1\n\n\x0cmonthly payments and higher payment amounts. The Index is the highest Prime Rate as published in The Wall Street Journal \xe2\x80\x9cmoney\nrates\xe2\x80\x9d table 15 days before the first day of January and the first day of July. In no event will the APR be greater than 18.00%.\nHow the Average Daily Balance is determined: The average daily balances for purchases and cash advances, including balance\ntransfers, are determined separately. Balance transfers are considered cash advances. To get the average daily balances for\npurchases and cash advances, we start with the separate balances of purchases and cash advances at the beginning of the billing\ncycle and then separately add any new purchases (including charges that are treated as purchases) and new cash advances. We then\nsubtract any payments (as of the date received) or credits (as of the date of the transaction unless we have subtracted them as of a\nlater date) applicable to your purchases or cash advance balances. We do the same each day of the billing cycle. We don\xe2\x80\x99t add any\naccrued interest. This gives us the separate daily balances for purchases and cash advances. Then we add up the separate daily\nbalances for purchases and cash advances for each day of the billing cycle and divide each total by the number of days in the billing\ncycle. This gives us the average daily balances for purchases and cash advances.\nInterest Accrual: Interest will begin on each purchase, cash advance and balance transfer on the transaction date. Interest will be\ncharged until you pay off the balance. For convenience checks, the transaction date is the date the check is presented to us for\npayment. You will pay interest on each cash advance from the date you get the cash advance and on each balance transfer from the\ndate it is posted to your Account. There is no grace period on cash advances or balance transfers.\nGrace Period for Purchases: You can avoid interest charges on new purchases when they are first billed on a monthly statement, as\ndescribed below, but not on cash advances or balance transfers. If a monthly statement includes new purchases, and you make a\npayment that we receive by the due date for that statement, which is at least 27 days after the close of the billing cycle, we will not\ncharge interest on any portion of the new purchases on that statement to which we allocate such payment, provided that your current\nstatement also shows that we received payment of the New Balance for your prior month\xe2\x80\x99s statement by the payment due date on that\nstatement or that the New Balance for your prior month\xe2\x80\x99s statement was zero.\nForeign Transactions: Purchases and cash advances made in foreign countries and foreign currencies will be billed to you in U.S.\ndollars. The exchange rate for transactions in a foreign currency will be a rate selected by VISA from the range of rates available in\nwholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives, or the\ngovernment mandated rate in effect for the applicable central processing date, in either case, plus 1% of the amount of the foreign\ncurrency purchase or cash advance after its conversion into U.S. dollars. The exchange rate in effect on the central processing date\nmay differ from the rate in effect on either the transaction date or the posting date. The exchange rate is subject to change by VISA.\nThese foreign transaction fees are finance charges. These fees will be added to your Account balance as a purchase.\nLate Fees and Other Charges: Your payment is late if we do not receive it within 10 days after the due date on your monthly statement.\nWe will charge and you agree to pay $25 the first time a payment is late and $35 for each additional late payment during the next 6\nbilling cycles, but the late fee will not exceed the full amount of the Minimum Payment that is late. The Returned Payment fee is\ncharged when any item presented for payment is dishonored for any reason. We will charge and you agree to pay up to $33 the first\ntime an item is dishonored and $33 for each additional dishonored item during the next 6 billing cycles, but the Returned Payment fee\nwill not exceed the amount of the Minimum Payment due immediately before the date on which the dishonored item is returned to us.\nThe Returned Payment fee is charged only once for each dishonored item. We won\xe2\x80\x99t charge more than a single late payment or\nReturned Payment fee based on the same event. In addition, the following charges will be imposed as applicable: Reissue PIN\nnumber - $1.00 and Card Replacement - $5.00. These fees will be added to your Account balance as a purchase.\nDebt Protection: Debt Protection is not required to obtain credit under this agreement. If you elected to obtain and qualify for debt\nprotection in connection with this agreement, you understand that the fees and other charges for protection will be added to your loan\neach month, and collected as part of your periodic payment. You understand that these fees are not guaranteed, but you will be\nnotified in advance of any change in fees.\nOther Fees: We may charge fees for certain services that you request, for example, if you request a copy of a monthly statement, or\nfor special services. We will not charge fees for copies of documents requested for a billing dispute. Service fees may change from\ntime to time. We will disclose these fees to you when you request the service. Service fees will be charged to your Account as a\npurchase.\nCollection Costs: You agree to pay the reasonable attorney\xe2\x80\x99s fees, court costs and/or collection agency fees and costs we incur as a\nresult of your default, to the extent allowed by law. Any collection costs we incur will be added to your Account as a purchase.\nSecurity Interest. This Account is secured by all individual and joint share accounts you have with us now and in the future. Collateral\nsecuring other loans you have with us may also secure this Account, except that your home, investment securities and household\ngoods will never secure this Account.\n\n2\n\n\x0cNOTICE TO COSIGNER: You are being asked to guarantee this debt. Think carefully before you do. If the borrower does not pay the\ndebt, you will have to. Be sure you can afford to pay if you have to, and that you want to accept this responsibility. You may have to\npay up to the full amount of the debt if the borrower does not pay. You may also have to pay late fees or collection costs, which\nincrease this amount. The Credit Union can collect this debt from you without first trying to collect from the borrower. The Credit Union\ncan use the same collection methods against you that can be used against the borrower, such as suing you, garnishing your wages,\netc. If this debt is ever in default, that fact may become a part of your credit record. This notice is not the contract that makes you liable\nfor the debt.\nCREDIT LIMIT: If we approve your application, we will establish a self-replenishing Credit Limit for you and notify you of its amount\nwhen we issue the Card. You agree not to let the Account balance exceed the Credit Limit. We may, but are not required to, extend\ncredit in excess of your Credit Limit. If we do extend credit in excess of your Credit Limit, we are not obligated to do so again and you\nimmediately will pay us the excess amount with or without notice or demand. You may request an increase in your Credit Limit only by\nwritten application to us, which must be approved by a loan officer.\nUSING THE CARD: You may use your Account to purchase goods or services or get cash advances, up to the Credit Limit. We may\nallow you to transfer balances from other credit cards. Your monthly statement will identify the merchant, electronic terminal or financial\ninstitution at which transactions were made, but sales, cash advance, credit and other slips will not be returned. You agree to retain a\ncopy of such slips to verify the monthly statement.\nWe also may issue convenience checks to you from time to time. When you sign a convenience check, you request a cash advance\nfrom your Account. We may refuse to pay a convenience check for any reason. At your risk and upon your request, we will accept a\nstop payment request on a convenience check. You must provide us with any information we may require. A stop payment request\nbecomes effective only after we have had a reasonable opportunity to act upon it. Our receipt of your stop payment request comes too\nlate if: we have indicated in any manner that we will pay or honor the convenience check; the convenience check is already in our\nprocessing system; or we do not have a reasonable time to act upon it (and you and we agree that the receipt of your stop payment\nrequest on the same day as the convenience check is presented to us does not give us a reasonable time to act on the stop payment\nrequest). Stop payment requests may be made orally or in writing. An oral stop payment request is effective for 14 calendar days\nfollowing our receipt unless confirmed by you in writing before the end of that time period. A written stop payment request is effective\nfor 6 months following our receipt and must be renewed in writing. If you fail to renew a stop payment request before it expires, you will\nbe deemed to have consented to payment of the convenience check.\nWe can increase or decrease your Credit Limit and can refuse to make a transaction (without prior notice unless required by law) at any\ntime for any reason not prohibited by law. We are not responsible for any losses if a transaction is declined for any reason, either by us\nor someone else.\nPROMISE TO PAY: You promise to pay us for all credit that we extend on your Account arising from the authorized use of your Card\nand all other amounts owed to us under the terms of this Agreement. You are responsible for charges made by anyone to whom you\ngive the Card or who is authorized to use the Card. Your obligation to pay the Account balance continues even though an agreement,\ndivorce decree or other court judgment to which we are not a party may direct you or one of the other persons responsible to pay the\nAccount. You cannot transfer or assign your Account to any other person.\nMONTHLY PAYMENT: We will send you a statement every month showing the Minimum Payment required. Our statement shall be\ndeemed correct and accepted by you unless you notify us within 60 days of the date we sent the statement. Every month you must pay\nat least the Minimum Payment due by the payment due date on the statement. You may, of course, pay any or all of the amounts you\nowe at any time. The Minimum Payment will be (a) the greater of 3% of your New Balance on the statement, or $10.00, plus (b) any\namounts past due and any amounts in excess of your Credit Limit. If the New Balance is less than $10.00, it is payable in full.\nSubject to the requirements of applicable law, (a) we may select the method by which payments and credits are allocated to your\nAccount in our sole discretion, and (b) if you pay more than the Minimum Payment required, we will apply the excess amount to the\nbalance with the highest APR and then to other balances in descending order based on APRs.\nPayment checks must be drawn on a financial institution or other entity domiciled in the United States. Payments will be credited to\nyour Account as of the date of receipt if you meet the requirements stated on your monthly statement. Payments that do not conform to\nthese requirements may be subject to delay in crediting, but shall be credited within 5 days of receipt. Although we post your payments\nin the manner described above, we may delay restoring your available Credit Limit in the amount of your payment. All credits for\npayments to your Account are subject to final payment by the institution on which the item of payment was drawn.\nPLEDGE OF SHARE ACCOUNT(S): You pledge and grant a security interest to us in all individual and joint share accounts you have\nwith us now and in the future to secure your Account. You authorize us to apply the balance in these share account(s) to pay any\namounts due under this Agreement if you default. You are not giving a security interest in any shares or funds in any IRA, SEP,\nKeogh, or any other share account which, if pledged, would result in the loss of special tax treatment under the Internal Revenue\nCode.\nIf you have a Share Secured VISA Account, you understand and agree that an amount in your pledged share account(s) equal to your\nCredit Limit plus 10% will be frozen. We may, but do not have to, allow you to withdraw a portion of your shares or other funds without\naffecting our security interest. Frozen share funds will not be released until at least 45 days after the Account is closed.\n\n3\n\n\x0cCREDIT INFORMATION: You authorize us to investigate your credit standing when opening, renewing or reviewing your Account.\nYou authorize us to make all inquiries we deem necessary for us to offer or maintain this Account, including contacting references,\npresent and former employers, merchants, landlords and creditors.\nLIABILITY FOR UNAUTHORIZED USE: You may be liable for the unauthorized use of your Card. You promise to notify us\nimmediately by phone upon discovering that your Card has been lost or stolen or of unauthorized use of your Card. Phone us at\n301.699.6151 or 1.800.969.6151 or after hours at 1.800.325.3678. You will not be liable for unauthorized use that occurs after you\nnotify us by writing to FedChoice Federal Credit Union, 10001 Willowdale Road, Lanham, MD 20706, or by phone (to the above\nnumbers) of the loss, theft or unauthorized use of your Card. You agree to tell us what you know about the loss or theft, and you agree\nto assist us in discovering the circumstances relating to any unauthorized use of the Account. We reserve the right to impose liability\non you if we determine that you were negligent in the handling of the Account or Card. In any case, your liability will not exceed $50.\nIf you give us notice orally concerning loss or theft, you agree to confirm it in writing. You agree that unauthorized use does not include\nuse by a person to whom you have given authority to use the Account or Card and that you will be liable for all use by such a person.\nTo terminate that authority, you must notify us. If your Card is stolen and you give us written notice, along with a copy of the police\nreport, we will process a replacement Card request. There is no charge for a replacement Card under these conditions. If your Card is\nlost and you give us written notice, we will process a replacement Card request and charge you the fee stated at the top of this\nAgreement.\nILLEGAL USE OF CARD: You may use the Card only for transactions permitted by law. If you use the Card for illegal transactions,\nyou waive the right to sue us and agree to indemnify and hold us harmless from any suits or other legal action or liability, directly or\nindirectly, resulting from such illegal use. Illegal use includes, but is not limited to, gambling in certain states and any withdrawal of\nfunds with the intent to conduct any illegal activity.\nNOTICES: Notice sent to any one of you will be considered notice to all. Any notices we give you shall be in writing and deemed given\nwhen deposited in the U.S. mail, with postage prepaid and addressed to you at your last known address in our records for your Account\nor when sent by e-mail (if you use our Internet banking services) to your last known Internet address. Your notices to us must be in\nwriting and sent to the address shown in your most recent billing statement or as otherwise specified in this Agreement. If a specific\nnotice period or type of notice is required by applicable law, the notice will be made and will be binding in accordance with such law.\nDEFAULT: You will be in default if you fail to make at least the Minimum Payment by the date it is due. You will also be in default if:\n(a)\nyou breach any other term of this Agreement, or\n(b)\na bankruptcy or insolvency proceedings has/have been filed by or against your, or\n(c)\nwe have evidence or a reasonable belief that an unauthorized use of the Account has been made, or\n(d)\nyou die.\nIn the event of default, at our option, the entire balance of your Account and all Finance Charges shall become due and payable\nimmediately.\nRETURNS AND ADJUSTMENTS: Merchants and others who honor the Card may give credit for returns or adjustments, and they will\ndo so by sending us a credit slip that we will post to your Account. If your credits and payments exceed what you owe us, we will hold\nand apply this credit balance against future purchases and cash advances, or if it is $1.00 or more, refund it on your written request or\nautomatically after 6 months.\nMERCHANT DISPUTES: We are not responsible if any merchant or financial institution refuses to honor the Card.\nCOMMUNICATIONS CONCERNING DISPUTED DEBTS: IF YOU MAKE A PAYMENT MARKED \xe2\x80\x9cPAID IN FULL\xe2\x80\x9d OR STATE THAT\nYOUR CHECK PAYS YOUR OUTSTANDING BALANCE OR IS OTHERWISE IN FULL SATISFACTION OF THIS AGREEMENT YOU\nMUST SEND THAT PAYMENT TO FEDCHOICE FEDERAL CREDIT UNION, 10001 WILLOWDALE ROAD, LANHAM, MD 20706.\nCHANGING OR TERMINATING YOUR ACCOUNT: If The Wall Street Journal stops publishing the Prime Rate, we may select a\nsimilar index rate. To the extent permitted by law, we may change the terms of this Agreement, including, but not limited to, the APR\nand monthly periodic rate, from time to time after giving you notice. We do not have to notify you in advance if certain changes are\nnecessary for security reasons. Your use of the Card after receiving notice of a change will evidence your agreement to the change.\nSome changes will apply to your existing Account balance as well as to future transactions if indicated in the notice to you. Either we or\nyou may terminate this Agreement at any time by giving the other party notice, but termination will not affect your obligation to pay the\nAccount balance plus any interest and other charges owed. Termination by any one of you terminates the Card for all of you.\nTermination by you is effective upon our acknowledgement that your notice has been received. The Cards you receive remain our\nproperty and you must recover and surrender all Cards to us upon request or upon termination of this Agreement.\nTELEPHONE MONITORING: To ensure that you received accurate and courteous customer service, on occasion, your call may be\nmonitored by our employees or agents and you agree to any such monitoring.\n\n4\n\n\x0cEFFECT OF AGREEMENT: This Agreement, together with any application you signed or otherwise submitted in connection with the\nAccount (which is hereby incorporated by reference in this Agreement), constitutes the entire agreement between you and us relating to\nyour Account and supersedes any other prior or contemporaneous agreement between you and us relating to your Account. This\nAgreement may not be amended except in accordance with the provisions of this Agreement. This Agreement is a contract that applies\nto all transactions on your Account even though the sales, cash advance, credit or other slips you sign or receive may contain different\nterms.\nCHANGE OF ADDRESS: You will notify us promptly if you change your address or email address. We may send statements and\nother notices to your address or email address in our records until we have a reasonable opportunity to update our records with any\nnew address for you.\nMISCELLANEOUS: This Agreement is governed by the laws of the State of Maryland except to the extent federal laws preempt\nMaryland law. We elect to extend credit under Subtitle 9 of Title 12 of the Commercial Law Article of the Annotated Code of Maryland,\nexcept to the extent it is preempted by federal law. We can delay enforcing any of our rights any number of times without losing them.\n\n5\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on you statement, write us at:\nFEDCHOICE FEDERAL CREDIT UNION\n10001 Willowdale Road\nLanham, MD 20706\nIn your letter, give us the following information:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\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 mistake.\n\nYou must contact us:\n\xe2\x80\xa2\n\xe2\x80\xa2\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\n\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\nhave 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.\n2.\n\nWithin 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.\nWithin 90 days of receiving your letter, we must either correct the error or explain why we believe the bill was correct. While we\ninvestigate whether or not there has been error:\no\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\no\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\no\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\no\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\n\xe2\x80\xa2\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. We will\nsend 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\namount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you\nas delinquent, 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\nwith the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n2.\n3.\n\nThe purchase must have been made in your home State or within 100 mile of your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed\nto you, or if we own the company that sold you the goods or services.)\nYou must have used your credit Card for the purchase. Purchase made with cash advances form an ATM or with a check that\naccesses your credit Card Account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nFEDCHOICE FEDERAL CREDIT UNION\n10001 Willowdale Road\nLanham, MD 20706\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At\nthat point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n6\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to HFS Federal Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to\neach applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means\nthe line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\naccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n16300736-MXC30-C-1-050621 (MXC304-E)\n\n\x0conly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $35.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$35.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nUnless otherwise required by law, payments will be applied in the following order: (a) fees and charges; (b) interest; (c)\nprincipal. If You make a payment in excess of the required Minimum Payment Due, the Credit Union will allocate the\nexcess amount first to the balance with the highest annual percentage rate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other\nbalances in descending order based on applicable APR, unless otherwise prescribed by applicable law. We may accept\nchecks marked "payment in full" or with words of similar effect without losing any of Our rights to collect the full balance of\nYour Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\ntransaction date, which rate may vary from the rate Visa itself receives, or the rate mandated by the government or\ngoverning body in effect for the applicable transaction date. The exchange rate used on the transaction date may differ\nfrom the rate that would have been used on the processing date or cardholder statement posting date.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\nPage 2 of 6\n16300736-MXC30-C-1-050621 (MXC304-E)\n\n\x0c9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94\nVisa Platinum - If You notice the loss or theft of Your credit card or a possible unauthorized use of Your Card, You should\nwrite to Us immediately at PO Box 31281, Tampa, FL, 33631-3281 or call Us at (866) 604-8153 or for International calls\nuse: (727) 299-2449, seven days a week 24 hours a day.\nVisa Signature - If You notice the loss or theft of Your credit card or a possible unauthorized use of Your Card, You\nshould write to Us immediately at PO Box 31281, Tampa, FL, 33631-3281 or call Us at (866) 604-8139 or for International\ncalls use: (727) 299-2449, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nPage 3 of 6\n16300736-MXC30-C-1-050621 (MXC304-E)\n\n\x0cauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS \xe2\x80\x94 You authorize the Credit Union to obtain credit reports and any other information We may\nneed to verify Your identity and use of the Account when opening Your Account and for any update, increase, renewal,\nextension, collection, or review of Your Account. You authorize the Credit Union to disclose information regarding Your\nAccount to credit bureaus and creditors who inquire about Your credit standing.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nHawaii.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CUREWARDS PROGRAM\xc2\xae \xe2\x80\x94 By establishing Your credit card Account, You will be automatically enrolled in the\nCURewards program, which allows qualified participants to earn points for rewards. To redeem Your CURewards points\nYou will need to register for the CURewards program. For more information on the CURewards program You may view\nthe terms and conditions at https://www.curewards.com or you may contact HFS Federal Credit Union at (808) 930-1400\nor toll free at (800) 216-2666.\n25. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n26. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n27. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n28. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n29. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Department of Financial Services at 800.342.3736 or www.dfs.ny.gov to obtain\na comparative listing of credit card rates, fees and grace periods.\n30. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\nPage 4 of 6\n16300736-MXC30-C-1-050621 (MXC304-E)\n\n\x0c31. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n32. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n33. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n34. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n16300736-MXC30-C-1-050621 (MXC304-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n16300736-MXC30-C-1-050621 (MXC304-E)\n\n\x0c'


b'27. NON-REISSUANCE. For security purposes, Star One Credit Union\nVISA Credit Cards are reissued every five years. If at the time of reissue\nyour VISA Credit Card Account has been inactive for at least 12 months,\nwe reserve the right to not reissue you a new Card and may close your\nVISA account.\n28. TRANSFER OF ACCOUNT. You cannot transfer your account to any\nother person.\n29. ACCELERATION. If you are in default as provided above, or if we\nin good faith reasonably believe that the prospect of payment or\nperformance is impaired, amounts you owe us shall, at our option and\nwithout notice, become immediately due and payable.\n30. DELAY IN ENFORCEMENT. We can delay enforcing any right under\nthis Agreement without losing that right or any other right.\n31. AMENDMENT. We reserve the right to amend the terms of this\nAgreement at anytime as permitted by and subject to any limitations and\nnotice requirements of applicable law.\n32. SEVERABILITY. If any provision of this Agreement is held invalid all\nprovisions that are severable from the invalid provision remain in effect.\n33. OWNERSHIP OF CARDS. Any Card or other credit instrument or\ndevice which we supply to you is our property and must be returned to\nus, or any person whom we authorize to act as our agent, or any person\nwho is authorized to honor the Card. The Card may be repossessed at\nany time at our sole discretion without any demand or notice.\n34. PIN SECURITY. You agree not to disclose or otherwise make your\nCard or Personal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) available to anyone\nwithout prior written consent. You agree not to disclose or otherwise\nmake available your PIN to anyone not authorized to sign on your\naccount. For security reasons, please do not write your PIN on your Card\nor keep it in the same location as your Card.\n35. CREDIT REPORTS AND NEGATIVE INFORMATION NOTICE. You\nauthorize us to make or have made any credit, employment and /or\ninvestigative inquiry we deem appropriate for the extension of credit or\ncollection of amounts owing on the account. We can furnish information\nconcerning your account to consumer reporting agencies and others who\nappear to have a business need for that information. Late payments,\nmissed payments, or other defaults on your credit card account may be\nreflected in your credit report.\n36. ADDRESS. You agree to advise us promptly if you change your mailing\naddress. We can accept address corrections received from the U.S. Postal\nService for any authorized user. All written notices and statements from\nus to you will be sent to your address as it appears on our records.\nWritten notices and inquiries from you to us must be sent to:\nStar One Credit Union\nP.O. Box 3643\nSunnyvale, California 94088-3643\n37. GOVERNING LAW. This Agreement will not take effect until it is\napproved by the Credit Union in the State of California. All payments shall\nbe made to the Credit Union at the Credit Union\xe2\x80\x99s offices. This Agreement\nshall be governed by the laws of the State of California and for any nonCalifornia residents, any consumer disclosure requirements under state\nlaw as set forth on the State Law Addendum, which is incorporated herein.\n38. PHONE CALLS. In the regular course of our business, we may\nmonitor and record phone conversations made or received by our\nemployees. You agree that we will have such right with respect to all\nphone conversations between you and our employees, whether initiated\nby you or any of our employees.\n39. MILITARY LENDING DISCLOSURES. The following disclosures are provided\nand apply to the borrower who is a Covered Member as described below.\n(a) B\n\x07 orrower Certification of Active Duty. By requesting a Credit Card\neach borrower certifies to the Credit Union that borrower: (i) is a\nCovered member as a member of the Armed Forces who is currently\nserving on active duty (under a call or order not less than 30 days)\nActive Guard or Reserve duty; and (ii) borrower is the Covered Member\n\nor is a dependent of the Covered Member. Borrower(s) authorize the\nCredit Union to verify their status as a Covered Member or dependent by\nobtaining information from the database of the Department of Defense\nor from a consumer report obtained from a consumer reporting agency.\n(b) M\n\x07 ilitary Annual Percentage Rate. Federal law provides important\nprotections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In general, the cost of\nconsumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36%. This\nrate must include, as applicable to the credit transaction or account:\nthe costs associated with credit insurance premiums; fees for ancillary\nproducts sold in connection with the credit transaction; any application\nfee charged (other than certain application fees for a credit card account);\nand any participation fee charged (other than certain participation fees\nfor a credit card account).\n(c) P\n\x07\x07 ayment Obligation. Your payment obligation under your Credit Card\nAccount is set forth in Sec. 10 and 11 above in the Credit Card Agreement.\n(d)\x07 \x07Credit Union Toll-Free Telephone Number - 866.543.5202. Call this\nnumber for verbal information about the Military Annual Percentage\nRate and your payment obligation.\nYOUR CREDIT CARD BILLING RIGHTS\nKeep this document for future use. This notice tells you about your rights\nand our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement. If you think there is an error\non your statement, write to us at the Credit Union address on your statement.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2D\n\x07 escription of problem: If you think there is an error on your bill, describe\nwhat you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 \x07At least 3 business days before an automated payment is scheduled,\nif you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but\nif you do, we are not required to investigate any potential errors and you\nmay have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter. When we receive your letter,\nwe must do two things:\n1. \x07Within 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. \x07Within 90 days of receiving your letter, we must either correct the\nerror or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 \x07We cannot try to collect the amount in question or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 \x07The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 \x07While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\t\x07\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 I\x07f we made a mistake: You will not have to pay the amount in question\nor any interest or other fees related to that amount.\n\xe2\x80\xa2 I\x07f we do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and fees. We will\nsend you a statement of the amount you owe and the date payment\nis due. We may then report you as delinquent if you do not pay the\namount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do\nso, we cannot report you as delinquent without also reporting that you\n\nare questioning your bill. We must tell you the name of anyone to whom\nwe reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us. If we do not follow all of\nthe rules above, you do not have to pay the first $50 of the amount you\nquestion even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases. If you are\ndissatisfied with the goods or services that you have purchased with your\ncredit card, and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining amount due on\nthe purchase. To use this right, all of the following must be true:\n1. \x07The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must\nhave been more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. \x07You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that accesses\nyour credit card account do not qualify.\n3. \x07You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the above address. While we investigate,\nthe same rules apply to the disputed amount as discussed above. After we\nfinish our investigation, we will tell you our decision. At that point, if we think\nyou owe an amount and you do not pay, we may report you as delinquent.\nSTAR ONE CREDIT UNION\nSunnyvale\n1080 Enterprise Way, Suite 150\nSunnyvale, CA 94089\nEnterprise Way & 11th Ave.\n\nCupertino\n10991 North DeAnza Blvd.\nCupertino, CA 95014\nDeAnza Blvd. & Homestead Road\n\nSan Jose\n1090 Blossom Hill Road\nSan Jose, CA 95123\n\nBlossom Hill Road & Almaden Expwy\n\nSan Jose\n3136 Stevens Creek Blvd.\nSan Jose, CA95117\n\nStevens Creek Blvd. & S. Winchester Blvd.\n\nPalo Alto\n3903 El Camino Real\nPalo Alto, CA 94306\n\nEl Camino Real & Ventura Ave.\n\nSaratoga\n14411 Big Basin Way\nSaratoga, CA 95070\n\nVISA Credit Card\nAgreement\nand\nDisclosure\nStatement for:\nSignature,\nPlatinum Rewards\n& Platinum\n\nBig Basin Way and Saratoga Ave.\n\nAdministration Building\n1306 Bordeaux Dr\nSunnyvale, CA 94089\n\nMailing Address\nStar One Credit Union\nP.O. Box 3643\nSunnyvale, CA 94088-3643\n\nPhone Numbers\n866-543-5202 \xe2\x80\xa2 408-543-5202\n\nSTR-1030 (03/2021)\n\nWEB ADDRESS\nwww.starone.org\n\n03/2021\n\n\x0cVISA CREDIT CARD AGREEMENT\n1. DEFINITION OF PARTIES. This VISA Credit Card Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d)\ncovers your VISA Credit Card (\xe2\x80\x9cCard\xe2\x80\x9d) issued through StarOne Credit Union.\nIn this Agreement the words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d include any joint\nobligator, guarantor, authorized user, or the person whose name is embossed\non the Card. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean Star One Credit Union.\n2. AGREEMENT ACCEPTANCE. If you sign an application for any account\nunder this Agreement or sign or use any Card(s) issued or Personal\nIdentification Number (PIN); or allow others to use the account, Card(s) or\nPIN, you and they will have accepted this Agreement just as if you and\nthey signed it, and you and they, jointly and severally, will be bound by the\nfollowing terms and conditions.\n3. SIGN YOUR CARD. Immediately sign the signature panel on the back of\nyour Card upon receipt. The Card must be signed in order to be valid.\n4. VISA CREDIT LINE. We have established and advised you of the \xe2\x80\x9cCredit\nLine,\xe2\x80\x9d which is the limit on the total balance that may be outstanding in\nyour account at any one time. Your VISA Credit Line is to be considered\na signature loan. The maximum signature limit cannot be exceeded.\nTherefore, other outstanding signature loans must be taken into account\nwhen your VISA Credit Line is established. You agree not to attempt to\nobtain more credit than the amount of your Credit Line. However, if you\ntemporarily exceed your VISA Credit Line, you agree to repay the excess\nimmediately, even if we have not yet billed you. Obtaining such credit does\nnot increase your VISA Credit Line; however, we can increase your VISA\nCredit Line at our sole discretion.\n5. USING YOUR CARD. You may use your account for purchases of services\nand merchandise from participating merchants that honor your Card.\nYou may also use your Card to obtain a cash advance from participating\nfinancial institutions. Neither we nor any merchants authorized to honor\nthe Card will be responsible for the failure or refusal of anyone to honor the\nCard or any other credit instruments or devices we supply to you.\n6. ILLEGAL OR UNLAWFUL TRANSACTIONS. You agree that you will not\nuse the Card for any illegal or unlawful transaction, and we may decline to\nauthorize any transaction that we believe poses an undue risk of illegality\nor unlawfulness. You agree that Star One Credit Union will not have any\nliability, responsibility, or culpability whatsoever for any such use by you or\nany authorized user(s). You further agree to indemnify and hold Star One\nCredit Union harmless from any suits, liability, damages, or adverse action\nof any kind that results directly or indirectly from such illegal use.\n7. ATM ACCESS FOR CASH ADVANCES/ATM CASH ADVANCE LIMITS.\nYour Card and Personal Identification Number (PIN) can be used to obtain\ncash advances from your VISA Credit Card account at Star One Credit Union\nATMs and at other ATMs in the VISA ATM network and other such machines\nor facilities that we may designate. There are no fees for requesting cash\nadvances on Star One Credit Union owned ATMs. There may be fees for\ncash advances at ATMs owned by other institutions. You may obtain cash\nadvances against your account up to a maximum aggregate total of $500\nper day provided sufficient funds are available.\n8. CHECKING ACCOUNT OVERDRAFT COVERAGE. Your VISA Credit Card\nmay also provide Overdraft Coverage on your Star One Credit Union checking\naccount. If you authorize us to link your Credit Card account to your checking\naccount for overdraft coverage and the balance in your checking account is\nnot sufficient to pay the transaction amount, we may treat the transaction\nas a request to access your VISA Credit Line. The funds may be transferred\nfrom your VISA Credit Line into your checking account in $100 increments.\nThese transfers will be treated as cash advances. If sufficient credit is not\navailable on your VISA Credit Card account to cover the amount of the check\nor other item, we will be unable to initiate a cash advance loan advance\nunder this Agreement for purposes of checking account overdraft coverage.\n(a) \x07Limit: Your Checking Account Overdraft Coverage limit will be part\nof, and not in addition to, your total approved Credit Line under this\nAgreement.\n\n(b) \x07Liability For Overdrafts Caused by Any Checking Account Signer:\nYou understand that if advances are made against your VISA account\nto cover overdrafts to your checking account created by other persons\nwith the right to access said checking account, you will be fully liable\nfor such advances nonetheless.\n9. YOU PROMISE TO PAY. You promise to pay us in United States dollars,\nby cash, check or money order as provided by this Agreement, all such\namounts, plus Interest Charges, which arise from such use of the Card or\naccount by you or any other person, and to be jointly and severally liable\nwith such a person, unless such other person does not have actual, implied,\nor apparent authority for such use, and you received no benefit for the use.\n10. MINIMUM MONTHLY PAYMENT. We will mail you a statement every\nmonth if your account has a balance. You agree that you will pay each\nmonth not less than the minimum monthly payment on or before the\nscheduled monthly due date. The minimum monthly payment will be 2.5%\nof your outstanding balance (\xe2\x80\x9cNew Balance\xe2\x80\x9d) or $20.00, whichever is\ngreater. If your outstanding balance is $20.00 or less, you agree to pay\nthe balance in full. You may pay in full for all your purchases and cash\nadvances each month, or you may repay in monthly installments. We can\naccept late payments or partial payments, or checks, drafts, or money\norders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without prejudice to our rights under this\nAgreement, which are hereby explicitly reserved. A credit posting from a\nmerchant or reversal of fees do not constitute a minimum payment.\n11. AUTOMATIC PAYMENT OPTION. If you have elected Automatic Payment\n(or \xe2\x80\x9cAutoPay\xe2\x80\x9d), the Credit Union will automatically deduct and transfer your\nmonthly VISA Credit Card payment from your designated Credit Union,\nchecking or savings account on the scheduled Payment Due Date. The\nAutomatic Payment Option is voluntary, is not a condition of credit or this\nAgreement and can be withdrawn by you at any time. The Automatic Payment\noption remains in effect until the Credit Union receives notification from you\nterminating the arrangement. Your request for termination must give the\nCredit Union reasonable opportunity to act on it. When you elect AutoPay,\nyou agree that we may adjust the automatic payment amount each month\nto agree to either the minimum monthly payment (Required Payment Due) or\n\xe2\x80\x9cPayment in Full\xe2\x80\x9d as authorized by you. Notification of the varying payment\namount due and scheduled payment due date will be satisfied by providing\nyou with a monthly billing statement reflecting this information. If sufficient\nfunds are not available to satisfy the total amount of the payment when due;\nwe will take whatever funds are available each processing day between the\npayment due date and the account cycle date until the scheduled payment\nis satisfied. If due to insufficient funds we do not transfer funds to make your\nrequired VISA Credit Card payment, you will be responsible to ensure that\nthe required VISA Credit Card payment is made.\n12. INTEREST CHARGES. The total outstanding balance of purchases,\ncash, and overdraft advances in the Account on the closing date of any\nBilling Cycle, including any Interest Charges, will be shown on the Periodic\nStatement for that billing Cycle as the \xe2\x80\x9cNew Balance.\xe2\x80\x9d\n(a) \x07Purchases. An Interest Charge will be imposed on the portion of\npurchases included in the New Balance that remains unpaid within\n25 days after the closing date. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows you to avoid\nan Interest Charge on purchases for a billing cycle. However, if you do\nnot pay the New Balance for purchases within the grace period, your\nInterest Charge will accrue on any unpaid purchase transactions from\nthe date of purchase.\n(b) \x07Cash/Overdraft/Balance Transfer Advances An Interest Charge will\nbe imposed on Cash/Overdraft/Balance Transfer Advances from the\ndate posted to the account to the date paid.\n13. BALANCE COMPUTATION METHOD. The Credit Union figures the\nInterest Charge on your account under the average daily balance (including\npurchases) method by starting with your Daily Balance (excluding unpaid\nInterest Charges) and multiplying that number by the number of days during\nthe Billing Cycle during which you had that balance. We do this for each\nbalance you have during the Billing Cycle and add up the results. That\ntotal is the balance used to determine your Interest Charge and is divided\nby the number of days in the Billing Cycle, then multiplied by the Annual\nPercentage Rate (APR), then divided by 365 days, and then multiplied by the\n\nnumber of days in the Billing Cycle to get your Interest Charge for the Billing\nCycle. Interest Charges start to accrue on loan advances and on purchases\nfrom the date the loan advance or purchase is posted to your account and\nyour loan balance is reduced when the Credit Union receives your payment\nor enters a credit. An Interest Charge will not be imposed on the portion of\npurchases that are paid within 25 days after the closing date.\n14. DAILY PERIODIC RATE AND ANNUAL PERCENTAGE RATE.\n(a) \x07VISA Signature Cards - The Daily Periodic Rate used to compute\nthe Interest Charge on VISA Signature Accounts is .0239726% with a\n8.75% Annual Percentage Rate.\n(b) \x07VISA Platinum Reward Cards - The Daily Periodic Rate used to\ncompute the Interest Charge on VISA Platinum Reward Accounts is:\n.0239726% with a 8.75% Annual Percentage Rate, .0267123% with\na 9.75% Annual Percentage Rate, and .0349315% with a 12.75%\nAnnual Percentage Rate, based on your credit qualification.\n(c) \x07VISA Platinum Cards - The Daily Periodic Rate used to compute\nthe Interest Charge on VISA Platinum Accounts is: .0212329% with\na 7.75% Annual Percentage Rate, .0239726% with a 8.75% Annual\nPercentage Rate, .0321918% with a 11.75% Annual Percentage Rate,\nand .0376712% with a 13.75% Annual Percentage Rate, based on\nyour credit qualification.\nThe applicable Annual Percentage Rate for your account is stated on your\nVISA Credit Card approval letter.\nThe Interest Charge for any Billing Cycle will be the sum of the Interest\nCharge for purchases, the Interest Charge for cash advances and Interest\nCharge for balance transfers.\n15. PROMOTIONAL RATES. From time to time, we may offer promotional\nPeriodic Rates and Annual Percentage Rates lower than the Periodic\nRate and Annual Percentage Rates (\xe2\x80\x9cPromotional Rates\xe2\x80\x9d) stated in this\nAgreement. The terms of any promotional rates will be disclosed to you at\nthe time of the promotion in a separate addendum which will become part\nof this Agreement. At the end of the promotional period, the Periodic Rate\nand Annual Percentage Rate for your account will be the same terms as\nset forth in this Agreement.\n16. OTHER FEES AND CHARGES.\n(a) \x07Late Payment Charge - If your Minimum Payment is not paid within\n10 days after the Payment Due Date, you will be subject to a $10.00\ncharge or the maximum late charge allowed by applicable law.\n(b) R\n\x07 eturned Payment - A $15.00 charge will be made for a returned\npayment from a member or $10.00 if the returned payment is from a\nnon-member, regardless of the reason.\n(c) R\n\x07 esearch and Copying - If you ask us to examine your account or\nprovide copies of documents, except in resolution of a billing error, we\nmay charge you $3.00 for each statement copy and a $28.00 charge per\nhour may be imposed for the time we spend to research your account.\n(d) Annual Membership Fee - None\n(e) \x07ATM Fees - If you use an ATM to obtain a cash advance and the ATM is not\noperated by us, you may be charged an ATM surcharge by the ATM operator\nor an ATM network utilized for such a transaction. The ATM surcharge may\nbe charged to your account if you complete the transaction.\n(f) R\n\x07 eplacement Card Fee. If you request a replacement card, you agree\nthe 1st request per year is free and all subsequent requests are $5.00.\n(g) C\n\x07 urrency Conversion. Purchases and cash advances in foreign\ncurrencies made in or with merchants located in foreign countries\nwill be billed in U.S. dollars. The conversion rate in U.S. dollars will\nbe either at the government mandated rate or a wholesale currency\nmarket rate determined by VISA\xc2\xae for the processing cycle in which the\ntransaction is processed. The currency conversion rate used by VISA\xc2\xae\non the processing date may differ from the rate that would have been\nused on the purchase date or cardholder statement posting date. The\nCredit Union has no control over the conversion rate.\n17. PAYMENTS. We will apply your payments first to any billed fees, then\nto late charges, then to the Interest Charges on both purchases and cash\n\nadvances, then to the principal balances of purchases in the order they\nwere posted to your account, and then to the principal balance of cash\nadvances. If two or more purchases were posted on the same day, your\npayment will be applied to the smallest first.\n18. PERIODIC STATEMENTS. If, at the end of any monthly periodic\ninterval which we may determine (the \xe2\x80\x9cBilling Cycle\xe2\x80\x9d), you have an\noutstanding undisputed debit or credit balance in your account, or if there\nis an Interest Charge imposed with respect to your account, we will send\nyou a periodic statement for that Billing Cycle.\n19. ACCOUNT STATEMENT. Unless you notify us of a billing error as\ndescribed below, you accept your periodic statements as accurate\nstatements of your account with us.\n20. USE OF THE ACCOUNT BY OTHERS. If you permit another person to\nuse your account at anytime, you agree to pay for (1) any transactions\nmade by that person and (2) charges imposed on those transactions,\neven if the amount of the actual use exceeds your permission to the\nextent allowed by applicable law. For California residents, a married\napplicant may apply for a separate Account. After credit approval,\nborrowers may, use the Account up to its credit limit and may be liable for\namounts extended under the plan to any joint applicant or co-borrower.\n21. LIABILITY FOR UNAUTHORIZED USE/ LOST/STOLEN NOTIFICATION.\nYou agree to notify us immediately, orally or in writing at Star One Credit\nUnion, P.O. Box 3643, Sunnyvale, California 94088-3643, telephone 408\n543-5202 or 866 543-5202 of the loss, theft, or unauthorized use of your\nCard or other credit instrument or device that we supply to you. If you\nnotify us of your lost or stolen Credit Card after discovery, you may not be\nliable for any losses related to credit transactions. This zero liability will\napply provided you promptly notify us of your lost or stolen Credit Card and\nyou were not negligent or fraudulent in handling your Card; otherwise your\nliability for unauthorized Visa Credit Card transactions may be up to $50.\nYou agree to assist us in determining the facts, circumstances, and other\npertinent information related to any loss, theft, or possible unauthorized\nuse of your Card, Account Number or PIN and to comply with such\nprocedures as we may require with our processing and investigation.\n22. Account Updater Service. Your Visa Credit Card will be automatically\nenrolled in a Visa required service (Visa Account Updater) in which any\nnew card data (card number and expiration date) for a replacement card\nissued to you will be shared and available on a Visa hosted database\naccessible by merchants with whom you have preauthorized payment\ntransactions. The updated Visa Credit Card data permits merchants who\nparticipate in VAU to continue to process your preauthorized transactions.\nYou may opt-out of the service.\n23. IRREGULAR PAYMENTS. We can accept late payments or partial\npayments, or checks and money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\nwithout prejudice to our rights under this Agreement, which are hereby\nexplicitly reserved.\n24. DEFAULT. You will be in default if you fail to pay as agreed, fail to\ncomply with any provision of this Agreement, if you provide us with false\ninformation or signature, if you default on any account or other obligation\nthat you have with us, or if you die, become insolvent, or file bankruptcy.\n25. ATTORNEYS FEES AND COSTS. If you default on any part of this\nAgreement, you agree to pay us all costs to collect your account,\nincluding court costs and reasonable attorneys fees whether or not there\nis a lawsuit, and fees on any appeal and fees for bankruptcy proceedings,\nappeals, and any post-judgment collection services, if applicable.\n26. TERMINATION. We may terminate or suspend your credit privileges\nunder this Agreement, at any time, in our sole discretion without demand or\nnotice. If we are required by law to give you a reason for adverse action for\ncredit denied, we will do so. You must notify us in writing if you decide to\nterminate the Agreement. If you terminate this Agreement or if we terminate\nor suspend your credit privileges, the provisions of the Agreement and your\nliability hereunder shall otherwise remain in full force and effect until all\ncards or credit instruments or devices issued to you have been canceled\nand/or returned to us and you have paid us all sums due us.\n\n\x0c'