b'AKUSA 02534 14.5 R 08/20\n\nCardholder Agreement\n(Including Federal Truth in Lending Disclosures)\n\n\xc2\xad\xc2\xadDear Member:\nThis Agreement is your contract. It contains disclosures required by the Federal\nTruth in Lending Act, Military Lending Act, and other applicable law. Please read\nall of it and keep it for your records because, when you have accepted, signed or\nused your Card, or the Account, you have agreed to the terms of the Agreement.\nAlaska USA Federal Credit Union\nAnchorage, Alaska\nIn this Agreement the words you, your and yours mean the Cardholder(s). The words we, us and\nour mean Alaska USA Federal Credit Union (Alaska USA) and any agent through which the Account\nis established.\nYou do not have to sign the Agreement, but once you have accepted, signed or used the Card,\nor the Account, the Agreement will be in force.\n\nThe following definitions apply to the terminology used in this Agreement and on your\nmonthly statement:\nAccount. The Visa\xc2\xae and/or any open-end credit account(s) approved by us for your use which is\nsubject to the Terms and Conditions o\xc2\xad\xc2\xad\xc2\xad\xc2\xadf this Agreement.\nAnnual Percentage Rate. The cost of your credit as a yearly rate.\nBilling Cycle. The time interval between regular monthly billing statement dates. This interval is\nconsidered to be equal intervals of time unless a billing date varies more than four (4) days from\nthe regular date.\nCash Advance. Credit extended by us to you in the form of a loan made when you present the\nCard to us or to any financial institution honoring the Card, or use of any other credit instrument,\ndevice, overdraft coverage plan or automated teller machine we make available to you.\nCard. Any Visa card(s) and/or other credit card(s) subject to this agreement issued to you by us,\nor other single credit device being used from time to time upon presentation to obtain money,\nproperty, labor, or services on credit. \xe2\x80\x9cCard\xe2\x80\x9d is implied when you obtain credit by using your\naccount number without using the Card.\nCardholder. The natural person to whom a credit card is issued upon the request or application of\nthat natural person for any purpose, or a natural person who has agreed with us to pay obligations\narising from the issuance of such a credit card to another person.\nClosing Date. The date of the last day of a Billing Cycle.\nCredit Limit. The maximum amount of credit available to you as set for the Account by us from\ntime to time.\nFinance Charge. The cost of credit extended to you on the Account resulting from applying\nthe Periodic Rate to the Average Daily Balance and the Transaction Fee for Cash Advance\ntransactions.\nNew Balance. The account balance outstanding on the Closing Date.\nOther Charges. Charges to your Account other than Cash Advances or Purchases. Other Charges\nare listed in part D of the Agreement.\nPeriodic Rate. The percentage of Finance Charge imposed against a balance for a period. In this\nAgreement, a \xe2\x80\x9cMonthly\xe2\x80\x9d Periodic Rate is used.\nPrevious Balance. The balance of the Account at the beginning of the Billing Cycle. (It is the\nsame amount that was shown as \xe2\x80\x9cNew Balance\xe2\x80\x9d on the Closing Date on the statement for the\npreceding Billing Cycle.)\nPurchases. Extensions of credit by us to you for purchases through sellers or lessors of goods,\nlabor, insurance and/or services that honor your Card and for other charges or debits.\nUser. The person(s) authorized by a Cardholder to obtain credit under an Account whether named\nin an application as a User, or otherwise.\n\nTERMS AND CONDITIONS\nPurchases, Cash Advances, and Balance Transfers. You can use the Card for Purchases, Cash\nAdvances, and Balance Transfers. The maximum cash advance is the lesser of your available\ncredit limit or $5,000 per day. There is no minimum amount. The maximum advance at an\nautomated teller machine is $500 per day. There is no minimum amount. The minimum amount\nfor a balance transfer is $500. You will owe us for these amounts plus Finance Charge and Other\nCharges, if any, all payable in U.S. Dollars.\nMonthly Statement. If you have an outstanding debit or credit New Balance in excess of $1.00 or\nif there is any Finance Charge imposed during a Billing Cycle, we will send you a statement. You\nmust pay us (or if we elect, to any party to whom we transfer and assign your Account) according\nto the Terms and Conditions of the Account.\n\nOther Terms and Conditions (including Federal Truth in Lending Disclosure)\n(A) The conditions under which a Finance Charge will be imposed:\n(1) Purchases. A Finance Charge that will accrue from the date posted will be imposed on\nPurchase transactions posted during a Billing Cycle when the Previous Balance is not\npaid in full within the first 25 days of the Billing Cycle. A Finance Charge that will accrue\nfrom the first day of the next billing cycle will also be imposed on Purchases included\nin the New Balance when the entire New Balance is not paid in full within 25 days after\nthe Closing Date. No Finance Charge will be imposed on Purchases included in the New\nBalance when the entire New Balance is paid in full within 25 days after the Closing Date.\n(2) Cash Advances/Balance Transfers. A Finance Charge in the form of a Transaction Fee\nwill be imposed on each transaction for Cash Advances posted to the Account during a\nBilling Cycle. A Finance Charge computed on a Periodic Rate basis will also be imposed\non Cash Advances/Balance Transfers from the date posted to the Account through the\ndate paid. The Finance Charge accrued on Cash Advances/Balance Transfers between\nthe Closing Date of the Billing Cycle and the date your Account is credited will appear\non your next statement. There is no time period within which to pay to avoid the Finance\nCharge on Cash Advances/Balance Transfers.\n(3) If your Account is subject to a Finance Charge other than a Cash Advance Transaction\nFee, then the more that you pay and the sooner you pay, the less your Finance Charge\nwill be.\n(B) The method of determining the balance upon which a Finance Charge will be imposed:\n(1) We figure a portion of the Finance Charge on your Account by applying a Transaction\nFee to the amount of each Cash Advance transaction posted during the Billing Cycle.\n(2) We figure a portion of the Finance Charge on your account by applying a Periodic Rate\nto the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances/Balance Transfers on your account\n(including current transactions for Cash Advances/Balance Transfers). To get the\n\xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances/Balance Transfers, we take the beginning\nbalance of Cash Advances/Balance Transfers on your Account each day, add any new\nCash Advances/Balance Transfers, and subtract any payments or credits and unpaid\nFinance Charges. This gives us the daily balance for Cash Advances/Balance Transfers.\nThen we add up all these daily balances for the Billing Cycle and divide by the number of\ndays in the Billing Cycle. This gives us the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances/\nBalance Transfers. There is no period beyond the allowable 25 days in which credit\nextended may be paid without incurring a finance charge.\n(3) We figure a portion of the Finance Charge on your Account by applying a Periodic Rate to\nthe \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Purchases on your Account (including current transactions\nfor Purchases). To get the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Purchases, we take the beginning\nbalance of Purchases on your Account each day, add any new Purchases and Other\nCharges (except Late Payment Charges), and subtract any payments or credits, unpaid\nFinance Charges and Late Payment Charges. This gives us the daily balance for\nPurchases. Then we add up all these daily balances for the Billing Cycle and divide by\nthe number of days in the Billing Cycle. This gives us the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of\nPurchases. If the entire Previous Balance is paid in full within the first 25 days of the\nBilling Cycle, the Average Daily Balance of Purchases will be considered to be $0.\n\n(C) The method of determining the amount of the FINANCE CHARGE: The FINANCE CHARGE\nimposed during a Billing Cycle will be the sum of the Transaction Fee and Periodic Rate\ncomponents of the FINANCE CHARGE determined by:\n(1) Applying a Transaction Fee amounting to 2% of the amount of each current transaction\n($10.00 maximum per transaction) for Cash Advances posted during the Billing Cycle.\n(2) Applying to the Average Daily Balance for the Billing Cycle a Monthly Periodic Rate of\n1.2083% (corresponding ANNUAL PERCENTAGE RATE is 14.5%).\n(D) The conditions under which any other charges may be imposed:\n(1) Annual Card Membership Fee. A $50.00 Annual Card Membership Fee will be charged\nto your Account. If at the time of the initial fee your Card will expire in less than a\nyear, the Annual Fee will be prorated, based upon the number of months left before\nthe Card expires. Only one fee will be charged, even if more than one Card is issued\non the Account. This fee may be waived if you have an active checking account from\nAlaska USA.\n(2) Late Payment Fee. A Minimum Payment not paid within 13 days after Payment Due\nDate will be subject to a single charge of 5% of the Minimum Payment due ($1.00\nminimum, $35.00 maximum).\n(3) Returned Check Charge. A $20.00 charge will be assessed to your Credit Card Account\nwhen any check submitted by you for payment on the Account is returned to us unpaid.\n(4) Research and Copying Fee. A $3.00 fee will be charged for each statement copy you\nrequest. A $12.00 per copy fee may be charged for copies of each document, in\nconnection with the Account, that you request. This fee is not imposed if the copy is for\nthe resolution of a billing error.\n(E) The conditions under which we may retain or acquire any security interest in any property to\nsecure the payment of any credit extended on the Account:\n(1) If we now or hereafter hold any title, pledge or security interest in any of your property,\nit may be that the terms of the instrument creating such title, pledge or security interest\nwill also secure your obligation on the Account.\n(2) If you have pledged or shall hereafter pledge your personal residence as collateral\nsecurity for any indebtedness of which we are or become the owner and holder, it is\nhereby understood that we hereby waive any claim we might otherwise acquire against\nsaid personal residence as collateral security for any obligation to us arising from your\nuse of the Card.\n(F) The minimum periodic payment required: If you elect not to pay your balance in full, a payment\naccording to the following schedule must be made by you within 25 days after the Closing\nDate of the Billing Cycle as shown on your statement.\nMinimum Payment Schedule:\nIf your New Balance is:\nYour Minimum Payment will be:\nLess than $15\nNew Balance in full\n$15 to $500\n$15\nMore than $500\n3% of New Balance (rounded up to next whole dollar)\nIn addition to the above, the Minimum Payment will include the amount of all Past Due\npayments and the amount by which the New Balance exceeds the Credit Limit for the Account.\nPayments received shall be first applied to outstanding Finance Charges and Miscellaneous\nCharges, then to Cash Advances and Purchases previously billed, and then to Cash Advances\nand Purchases currently billed.\n(G) Your Billing Rights: Keep This Notice for Future Use. This notice contains important\ninformation about your rights and our responsibilities under the Fair Credit Billing Act.\nNotify Us in Case of Errors or Questions About Your Bill. If you think your bill is wrong, or\nif you need information about a transaction on your bill, write us on a separate sheet at\nthe address shown on your bill. Write to us as soon as possible. We must hear from you no\nlater than 60 days after we sent you the first bill on which the error or problem appeared.\nYou can telephone us, but doing so will not preserve your rights. In your letter, give us the\nfollowing information:\nn Your name and account number.\nn The dollar amount of the suspected error.\nn Describe the error and explain, if you can, why you believe there is an error. If you need\nmore information, describe the item you are not sure about.\nIf you have authorized us to pay your credit card bill automatically from your savings or\nchecking account, you can stop the payment on any amount you think is wrong. To stop\nthe payment, your letter must reach us three (3) business days before the automatic\npayment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge\nyour letter within 30 days, unless we have corrected the error by then. Within 90 days, we\nmust either correct the error or explain why we believe the bill is correct.\nAfter we receive your letter, we cannot try to collect any amount you question, or report you\nas delinquent. We can continue to bill you for the amount you question, including finance\ncharges, and we can apply any unpaid amount against your credit limit. You do not have to\npay any questioned amount while we are investigating, but you are still obligated to pay the\nparts of your bill that are not in question.\nIf we find that we made a mistake on your bill, you will not have to pay any finance charges\nrelated to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you may have to pay finance\ncharges, and you will have to make up any missed payments on the questioned amount. In\neither case, we will send you a statement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may report you as delinquent. However,\nif our explanation does not satisfy you and you write to us within ten (10) days telling us that\nyou still refuse to pay, we must tell anyone we report you to that you have a question about\nyour bill. And, we must tell you the name of anyone we reported you to. We must tell anyone\nwe report you to that the matter has been settled between us when it is final.\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50 of the questioned amount, even\nif your bill was correct.\nSpecial Rule for Credit Card Purchases. If you have a problem with the quality of property or\nservices that you purchased with a credit card, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the remaining amount due on\nthe property or services. There are two limitations on this right:\n(a) You must have made the purchase in your home state, or if not within your home state,\nwithin 100 miles of your current mailing address; and\n(b) The purchase price must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the\nadvertisement for the property or services.\n\nMilitary Annual Percentage Rate (MAPR): Federal law provides important protections to\nmembers of the Armed Forces and their dependents relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specified credit transactions\nor accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nOral Disclosure: You may call 1-800-941-8936 to hear mandatory loan disclosures required\nby the Military Lending Act.\nCovered Borrower. A Covered Borrower is a member of the Armed Forces or a dependent of\na member of the Armed Forces who was determined to be a eligible for Covered Borrower\nstatus as that term is defined in 32 CFR Part 232 (the Department of Defense\xe2\x80\x99s regulation\nimplementing the Military Lending Act).\nChange in Status. If you are determined to be a Covered Borrower at the time this Agreement\nis entered into, and at a later date are no longer a Covered Borrower, you agree that the\nprovisions of 32 CFR Part 232 will no longer apply to this Agreement.\nSavings Clause. This Agreement may contain terms that are prohibited when applied to\nCovered Borrowers. For this reason, you and we agree that application of any term proscribed\nby 32 CFR 232.8 shall be limited to only non-covered borrowers in a manner consistent with\nother applicable law.\ncontinued on the reverse side\n\n\x0cAKUSA 02534 14.5 R 08/20\n\nADDITIONAL PROVISIONS\nYou also agree to all of the following:\nMembership. If your membership with Alaska USA terminates for any reason, you agree to\nimmediately surrender all Visa cards issued on your Account(s). You also agree to pay off all\ncredit extended on your Account(s) according to the terms of this agreement.\nOwnership of Cards. Any Card or other credit instrument or device which we supply to you is our\nproperty and must be returned to us or our agent immediately upon demand. If we ask, you will\ndestroy the Card by cutting it in half, and will surrender it to us or our agent, mail it to us, or drop\nit off at any of our offices that we direct.\nIndividual Liability. You, as an Account Holder, will be liable for all credit obtained under the\nAccount(s), whether obtained by you or by a User of the Account. If there is more than one Account\nHolder, then each will be liable, jointly and severally, for all credit obtained under the Account(s).\nCredit Limit. You will not use the Card to obtain credit in excess of the amount of the Credit Limit\navailable to you on an Account.\nLoss or Theft of Card. You will notify us immediately of the loss or theft, or the use without\nyour permission, of any Card or other credit instrument or device which we supply you by calling\n563-4567 in Anchorage, (800) 525-9094 outside Anchorage. Card Services is available to assist\nyou with lost or stolen cards 24/7. You further agree to confirm this notice in writing within two\n(2) business days at our address below:\nOur Address. You should address letters and other notices to us at:\nAlaska USA Federal Credit Union, Card Services,\nP.O. Box 196602, Anchorage, AK 99519-6602\nLiability of Cardholder for Unauthorized Use. Under Visa\xe2\x80\x99s Zero Liability policy, you are not liable\nfor fraudulent purchase transactions processed over the Visa network.\nTransactions. You will retain for statement verification your copy of each slip (ticket/draft)\nresulting from each Purchase, Cash Advance and other transaction on your Account. We will\nprovide you with photographic or other documentary evidence of each transaction upon your\nreasonable request or upon proper written notice of a billing error.\nTermination. Either you or we may terminate or suspend your credit privileges under this\nAgreement at any time. The provisions of this Agreement shall otherwise remain in full force and\neffect until you pay all sums due us.\nTransfer of Account. You cannot transfer an Account to any other person.\nHonoring of Card. We will not be responsible for the failure or refusal of anyone to honor the Card\nor any other credit instrument or device we supply to you.\nRefunds. If a seller agrees to give you a refund or adjustment, you will accept a credit slip for your\nAccount in lieu of a cash refund.\nChange of Address. You will advise us promptly if you change your mailing address. All written\nnotices and statements by us to you will be sent to your address as it appears on our records.\nCredit Reports. You authorize us to make or have made any credit, employment and investigative\ninquiries as we deem appropriate for the extension or combination of credit or collection of\namounts owing on the Account. We can furnish information concerning your Account or credit file\nto consumer reporting agencies, and others who may properly receive that information.\nIrregular Pay\xc2\xadments. We can accept late payments or partial payments, or checks and money\norders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without losing any of our rights under this Agreement.\nDefault. You will be in default on this Agreement if you do not make at least the Minimum\nPayment on or before the Payment Due Date, you try to exceed or do exceed your Credit Limit\nwithout our permission, become subject to bankruptcy or insolvency proceedings, attachment\nor garnishment proceedings are instituted against you or your property, or we reasonably deem\nourself insecure, you provide us with false information or signature, die or fail to comply with any\nprovision of this Agreement. Acceptance of a payment or Late Payment after a Payment Due Date\nor after you have exceeded your Credit Limit does not waive the default. Default on any Account\nor other obligation that you have with us will constitute default on all Accounts with us. If you\nare in default, we may, at our option, declare the entire balance due without notice or demand.\nDefault Charges. You must pay all costs, disbursements and reasonable attorneys\xe2\x80\x99 fees incurred by\nus in legal proceedings to collect or enforce the debt on this Account in the event of default by you\nor in the event of a breach of any obligation by you under this Agreement; additionally, any amount\nspent or costs incurred by the credit union in the event of a default will be added to the unpaid\naccount balance and finance charges will continue to accrue at the same rate as the account.\nDelay in Enforcement. We can delay enforcing our rights under this Agreement without losing them.\nAmendment and Assignment. Upon such notice to you, if any, as may be required by law,\nthe terms and conditions set forth in this Agreement may be amended by us at any time,\nwhich amendment(s) shall govern any transaction occurring prior to the effective date of such\namendment(s), as to which there is any unpaid balance owing to us on the effective date of\nsuch amendment(s), and such amendment(s) shall also govern any transaction occurring after\nsuch effective date. We will have the right to assign and transfer our rights under this Agreement\nand any amounts you owe to us; and the term \xe2\x80\x9cus\xe2\x80\x9d shall be deemed to include each and every\nimmediate and successive assignee.\nForeign Transactions. If you use your Card for Purchases or Cash Advances in a currency other\nthan U.S. dollars, the transaction amount will be converted to U.S. dollars by Visa International,\nInc. under their rules set forth from time to time. Currently, the rules specify that the currency\nconversion rate is a rate selected by Visa from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary from the rate Visa itself\nreceives, or the government-mandated rate in effect for the applicable central processing date.\nIf a credit is subsequently given for a transaction in a currency other than U.S. dollars and the\ncredit has a different processing date, then the converted amount of the credit may be greater/\nless than the converted amount of the original transaction. The currency conversion rate on the\nday before the transaction processing date will be used and may differ from the rate in effect at\nthe time of the original transaction. You agree to accept the converted amount in U.S. dollars.\nATM Fees. Alaska USA does not charge a fee for any electronic funds transfer you make using\nyour Visa credit card. When you use an ATM not owned by Alaska USA you may be charged a fee\nby the ATM operator or any network used.\nIllegal Activity. Visa credit cards may not be used for any illegal activity. Display of a Visa logo\nby an online merchant does not mean that transactions are lawful in all jurisdictions in which\ncardholders may be located.\nSeverability. If any provision of this Agreement is held invalid, all valid provisions that are\nseverable from the invalid provision remain in effect.\nCaptions and Catchlines for Reference Only. Captions and catchlines are intended solely as aids\nto convenient reference, and no inference as to intent with respect to this Agreement may be\ndrawn from them.\nLaw Governing. This Agreement is governed by Federal laws and the laws of Alaska to the extent\nthey are not preempted by Federal laws and regulations.\nHow Alaska USA will calculate your balance: Alaska USA uses a method called \xe2\x80\x9caverage daily\nbalance (including new purchases).\xe2\x80\x9d See your account agreement for more details.\nBilling rights: Information on your rights to dispute transactions and how to exercise those rights\nis provided in your account agreement.\nScoreCard\xc2\xae Reward Point Program Rules\n1. Visit www.scorecardrewards.com and log in to view your Reward Point earnings ratio for every\nqualifying purchase dollar amount. A qualifying purchase (\xe2\x80\x9cQualifying Transaction\xe2\x80\x9d) shall mean: (i)\na transaction that is charged to an eligible card account covered by the Program (\xe2\x80\x9cAccount\xe2\x80\x9d), and\n(ii) a transaction that appears on Your statement during the Program period. Points are deducted\nfor returns. No Points are earned for finance charges, fees, cash advances, convenience checks,\nATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to\nyour Account. Contact Alaska USA (\xe2\x80\x9cSponsor\xe2\x80\x9d) for full details on the Program period dates during\nwhich you are eligible to earn Points.\n2. Points can be used to order only the merchandise/travel awards (\xe2\x80\x9cAward(s)\xe2\x80\x9d) available in the\ncurrent Program. You may select Awards from any level, as long as you have a sufficient number\nof Points available in your Account as of the date of your most recent earnings statement. Point\nrequirements assigned to any Award are subject to change from time to time without notice, and\nAwards may be substituted at any time. Should an Award be discontinued, it will be replaced with\nan Award of equal or greater value or, if no suitable substitute is available, you will be advised to\nmake an alternative selection or your Points may be returned to your Account.\n3. Your merchandise Award will usually be delivered by a commercial delivery service or the U.S.\nPostal Service within 4-6 weeks of processing your order. Shipments cannot be made to a post office\nbox. If you have an APO, U.S. eligible territory or international address, please contact ScoreCard\nAward Headquarters for details regarding merchandise options and shipments before ordering.\n4. Note any damages or shortages on the delivery receipt before signing to accept delivery from\nthe carrier. A merchandise Reward received damaged or defective may be returned to the shipper\nfor replacement within thirty (30) days of delivery. All parts, instructions, warranty cards and\noriginal packaging materials must be returned with the merchandise Award.\n\n5. Applicable manufacturers\xe2\x80\x99 or providers\xe2\x80\x99 warranties, if any, will be included with your Award.\nWarranty claims must be directed to the manufacturer or provider, as applicable. SPONSOR, ANY\nTHIRD PARTY UTILIZED BY SPONSOR TO ADMINISTER THE PROGRAM (\xe2\x80\x9cProgram Administrator\xe2\x80\x9d)\nAND THEIR AFFILIATES, AND ANY ASSOCIATION OR ORGANIZATION OF WHICH YOUR SPONSOR\nIS A MEMBER IN CONNECTION WITH THE PROGRAM (\xe2\x80\x9cASSOCIATION \xe2\x80\x9c) MAKE NO AWARD,\nPRODUCT, OR MERCHANDISE REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED,\nAND DISCLAIM ANY AND ALL LIABILITY AS TO THE CONDITION, QUALITY, MERCHANTABILITY\nOR FITNESS FOR A PARTICULAR PURPOSE OF AWARDS, PRODUCTS, MERCHANDISE AND/OR\nSERVICES PROVIDED THROUGH THIS PROGRAM. THE PROGRAM ADMINISTRATOR AND ITS\nAFFILIATES WILL NOT BE LIABLE FOR ANY DEFECTS IN AWARDS OR DAMAGES RESULTING FROM\nUSE OF ANY AWARDS PROVIDED THROUGH THE PROGRAM.\n6. Points have no cash value. Points cannot be exchanged for cash or credit; used with any other offer,\npromotion or discount; combined with cash to obtain any Awards; or, earned from or transferred to any\nother credit and/or debit card, account or rewards program, unless otherwise specified.\n7. Your ScoreCard earnings statement will normally include the number of Points earned, subject\nto adjustment as provided for in these Rules. In the event you redeem unearned Points, your\nAccount may be charged for the actual cash difference between the cost of the Award redeemed\nand the net value of the actual Points available.\n8. Your Account must be open and in good standing (i.e., not cancelled, terminated by either party\nor otherwise not available for your use as a payment method) at the time your order is received\nfor processing. Sponsor reserves the right to suspend your participation in the Program until the\nAccount is in good standing.\n9. Despite the Program\xe2\x80\x99s best efforts to ensure accuracy, printing and website errors may\noccasionally occur. The Program Administrator reserves the right to correct such errors at any time.\n10. The Program may be modified, suspended or cancelled, and the redemption value of already\naccumulated Points may be changed, at any time without notice and without restriction or penalty.\nChanges to the Program may include, but are not limited to, modifications that affect Point\naccrual and/or expire Points based on the Point term, age and expiration date of the selected\noption(s). Award orders must be received on or before the Program end and/or Point expiration\ndate. Contact your Sponsor for details on any current promotions affecting Point accrual or\nredemption options. Points may be forfeited due to Rules violations. This Program is void where\nprohibited or restricted by law. You are responsible for any applicable federal, state or local taxes.\n11. You agree to hold the Program Administrator and its affiliates, any Association and any\nvendors or other providers associated with the Program harmless if your Sponsor fails to meet\nits contractual or other obligations, resulting in Program interruption or termination prior to your\nredeeming your Points or receiving your Awards. You also agree to hold the Program Administrator\nand its affiliates, Sponsor and Association harmless if a Program vendor or provider files for\nbankruptcy, or otherwise goes out of business after you have redeemed your Points for an Award\nfrom the vendor or provider but before you receive or use the Award.\n12. Certain restrictions may apply to travel certificates, tickets and documents. Travel and other\ncertificates are not exchangeable, refundable, transferrable or redeemable for cash. All travel\ncertificates, tickets and documents will be mailed first class U.S. Mail and will not be replaced\nin the event of loss, destruction or theft. Your Award will usually be delivered within 4-6 weeks\nof processing your order but is not guaranteed. You may request travel certificates, tickets and\ndocuments to be delivered by overnight carrier and agree to pay any associated additional delivery\nfees before shipment. You are responsible for any airline security fees and any surcharges or\nadditional fees that may be imposed by the airlines or aviation authority and you must pay them\nby permissible credit and/or debit card at the time of the reservation booking. See the Program\nwebsite for specific travel Award terms and conditions.\n13. Your individual Program Sponsor may offer rewards opportunities and/or impose rules that\nare in addition to those stated in the Program rules. Prospective cardholders who are eligible\nto participate in the Program may contact their Program Sponsor for the Program Sponsor\xe2\x80\x99s\ncomplete rules, including information on how Reward Points are earned, how Reward Points\naccrue, when Reward Points expire, and variable Reward Points earnings ratios, if applicable.\nExisting Program participants may access the current Program Rules at any time on the Program\nwebsite. Program rules are subject to change at any time without notice.\n14. The Program Administrator shall resolve all questions of what constitutes a Qualifying\nTransaction. All such resolutions or determinations by the Program Administrator are final. The\nuse of your Account following receipt of these Rules will indicate your agreement to these Rules.\n\nCredit card disclosure\nInterest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for\nPurchases\n\n14.5%\n\nAPR for Balance\nTransfers\n\n14.5%\n\nAPR for Cash\nAdvances\n\n14.5%\n\nPenalty APR and\nWhen it Applies\n\nnone\n\nPaying Interest\n\nYou have 25 days to repay your balance for Purchases\nbefore being charged a finance charge. We will begin\ncharging interest on Balance Transfers and Cash\nAdvances on the transaction date.\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the Consumer Financial Protection Bureau at\nwww.consumerfinance.gov/learnmore\nFees\nAnnual Fees\n\n$50 (waived for Alaska USA checking account holders)\n\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\n2% of the cash advance amount ($10 maximum)\n\n\xe2\x80\xa2 Foreign Transaction No fee\nPenalty Fees\n\xe2\x80\xa2 Late payment\n\nUp to $35\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $20\n\nHow Alaska USA will calculate your balance: Alaska USA uses a method called\n\xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account agreement\nfor more details.\nBilling rights: Information on your rights to dispute transactions and how to\nexercise those rights are provided in your account agreement.\n\n\x0c'


b'AKUSA 02533 12.5 R 08/20\n\nCardholder Agreement\n(Including Federal Truth in Lending Disclosures)\n\n\xc2\xad\xc2\xadDear Member:\nThis Agreement is your contract. It contains disclosures required by the Federal\nTruth in Lending Act, Military Lending Act, and other applicable law. Please read\nall of it and keep it for your records because, when you have accepted, signed or\nused your Card, or the Account, you have agreed to the terms of the Agreement.\nAlaska USA Federal Credit Union\nAnchorage, Alaska\nIn this Agreement the words you, your and yours mean the Cardholder(s). The words we, us and\nour mean Alaska USA Federal Credit Union (Alaska USA) and any agent through which the Account\nis established.\nYou do not have to sign the Agreement, but once you have accepted, signed or used the Card,\nor the Account, the Agreement will be in force.\n\nThe following definitions apply to the terminology used in this Agreement and on your\nmonthly statement:\nAccount. The Visa\xc2\xae and/or any open-end credit account(s) approved by us for your use which is\nsubject to the Terms and Conditions o\xc2\xad\xc2\xad\xc2\xad\xc2\xadf this Agreement.\nAnnual Percentage Rate. The cost of your credit as a yearly rate.\nBilling Cycle. The time interval between regular monthly billing statement dates. This interval is\nconsidered to be equal intervals of time unless a billing date varies more than four (4) days from\nthe regular date.\nCash Advance. Credit extended by us to you in the form of a loan made when you present the\nCard to us or to any financial institution honoring the Card, or use of any other credit instrument,\ndevice, overdraft coverage plan or automated teller machine we make available to you.\nCard. Any Visa card(s) and/or other credit card(s) subject to this agreement issued to you by us,\nor other single credit device being used from time to time upon presentation to obtain money,\nproperty, labor, or services on credit. \xe2\x80\x9cCard\xe2\x80\x9d is implied when you obtain credit by using your\naccount number without using the Card.\nCardholder. The natural person to whom a credit card is issued upon the request or application of\nthat natural person for any purpose, or a natural person who has agreed with us to pay obligations\narising from the issuance of such a credit card to another person.\nClosing Date. The date of the last day of a Billing Cycle.\nCredit Limit. The maximum amount of credit available to you as set for the Account by us from\ntime to time.\nFinance Charge. The cost of credit extended to you on the Account resulting from applying\nthe Periodic Rate to the Average Daily Balance and the Transaction Fee for Cash Advance\ntransactions.\nNew Balance. The account balance outstanding on the Closing Date.\nOther Charges. Charges to your Account other than Cash Advances or Purchases. Other Charges\nare listed in part D of the Agreement.\nPeriodic Rate. The percentage of Finance Charge imposed against a balance for a period. In this\nAgreement, a \xe2\x80\x9cMonthly\xe2\x80\x9d Periodic Rate is used.\nPrevious Balance. The balance of the Account at the beginning of the Billing Cycle. (It is the\nsame amount that was shown as \xe2\x80\x9cNew Balance\xe2\x80\x9d on the Closing Date on the statement for the\npreceding Billing Cycle.)\nPurchases. Extensions of credit by us to you for purchases through sellers or lessors of goods,\nlabor, insurance and/or services that honor your Card and for other charges or debits.\nUser. The person(s) authorized by a Cardholder to obtain credit under an Account whether named\nin an application as a User, or otherwise.\n\nTERMS AND CONDITIONS\nPurchases, Cash Advances, and Balance Transfers. You can use the Card for Purchases, Cash\nAdvances, and Balance Transfers. The maximum cash advance is the lesser of your available\ncredit limit or $5,000 per day. There is no minimum amount. The maximum advance at an\nautomated teller machine is $500 per day. There is no minimum amount. The minimum amount\nfor a balance transfer is $500. You will owe us for these amounts plus Finance Charge and Other\nCharges, if any, all payable in U.S. Dollars.\nMonthly Statement. If you have an outstanding debit or credit New Balance in excess of $1.00 or\nif there is any Finance Charge imposed during a Billing Cycle, we will send you a statement. You\nmust pay us (or if we elect, to any party to whom we transfer and assign your Account) according\nto the Terms and Conditions of the Account.\n\nOther Terms and Conditions (including Federal Truth in Lending Disclosure)\n(A) The conditions under which a Finance Charge will be imposed:\n(1) Purchases. A Finance Charge that will accrue from the date posted will be imposed on\nPurchase transactions posted during a Billing Cycle when the Previous Balance is not\npaid in full within the first 25 days of the Billing Cycle. A Finance Charge that will accrue\nfrom the first day of the next billing cycle will also be imposed on Purchases included\nin the New Balance when the entire New Balance is not paid in full within 25 days after\nthe Closing Date. No Finance Charge will be imposed on Purchases included in the New\nBalance when the entire New Balance is paid in full within 25 days after the Closing Date.\n(2) Cash Advances/Balance Transfers. A Finance Charge in the form of a Transaction Fee\nwill be imposed on each transaction for Cash Advances posted to the Account during a\nBilling Cycle. A Finance Charge computed on a Periodic Rate basis will also be imposed\non Cash Advances/Balance Transfers from the date posted to the Account through the\ndate paid. The Finance Charge accrued on Cash Advances/Balance Transfers between\nthe Closing Date of the Billing Cycle and the date your Account is credited will appear\non your next statement. There is no time period within which to pay to avoid the Finance\nCharge on Cash Advances/Balance Transfers.\n(3) If your Account is subject to a Finance Charge other than a Cash Advance Transaction\nFee, then the more that you pay and the sooner you pay, the less your Finance Charge\nwill be.\n(B) The method of determining the balance upon which a Finance Charge will be imposed:\n(1) We figure a portion of the Finance Charge on your Account by applying a Transaction\nFee to the amount of each Cash Advance transaction posted during the Billing Cycle.\n(2) We figure a portion of the Finance Charge on your account by applying a Periodic Rate\nto the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances/Balance Transfers on your account\n(including current transactions for Cash Advances/Balance Transfers). To get the\n\xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances/Balance Transfers, we take the beginning\nbalance of Cash Advances/Balance Transfers on your Account each day, add any new\nCash Advances/Balance Transfers, and subtract any payments or credits and unpaid\nFinance Charges. This gives us the daily balance for Cash Advances/Balance Transfers.\nThen we add up all these daily balances for the Billing Cycle and divide by the number of\ndays in the Billing Cycle. This gives us the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Cash Advances/\nBalance Transfers. There is no period beyond the allowable 25 days in which credit\nextended may be paid without incurring a finance charge.\n(3) We figure a portion of the Finance Charge on your Account by applying a Periodic Rate to\nthe \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Purchases on your Account (including current transactions\nfor Purchases). To get the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of Purchases, we take the beginning\nbalance of Purchases on your Account each day, add any new Purchases and Other\nCharges (except Late Payment Charges), and subtract any payments or credits, unpaid\nFinance Charges and Late Payment Charges. This gives us the daily balance for\nPurchases. Then we add up all these daily balances for the Billing Cycle and divide by\nthe number of days in the Billing Cycle. This gives us the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of\nPurchases. If the entire Previous Balance is paid in full within the first 25 days of the\nBilling Cycle, the Average Daily Balance of Purchases will be considered to be $0.\n\n(C) The method of determining the amount of the FINANCE CHARGE: The FINANCE CHARGE\nimposed during a Billing Cycle will be the sum of the Transaction Fee and Periodic Rate\ncomponents of the FINANCE CHARGE determined by:\n(1) Applying a Transaction Fee amounting to 2% of the amount of each current transaction\n($10.00 maximum per transaction) for Cash Advances posted during the Billing Cycle.\n(2) Applying to the Average Daily Balance for the Billing Cycle a Monthly Periodic Rate of\n1.0417% (corresponding ANNUAL PERCENTAGE RATE is 12.5%).\n(D) The conditions under which any other charges may be imposed:\n(1) Annual Card Membership Fee. A $50.00 Annual Card Membership Fee will be charged\nto your Account. If at the time of the initial fee your Card will expire in less than a\nyear, the Annual Fee will be prorated, based upon the number of months left before\nthe Card expires. Only one fee will be charged, even if more than one Card is issued\non the Account. This fee may be waived if you have an active checking account from\nAlaska USA.\n(2) Late Payment Fee. A Minimum Payment not paid within 13 days after Payment Due\nDate will be subject to a single charge of 5% of the Minimum Payment due ($1.00\nminimum, $35.00 maximum).\n(3) Returned Check Charge. A $20.00 charge will be assessed to your Credit Card Account\nwhen any check submitted by you for payment on the Account is returned to us unpaid.\n(4) Research and Copying Fee. A $3.00 fee will be charged for each statement copy you\nrequest. A $12.00 per copy fee may be charged for copies of each document, in\nconnection with the Account, that you request. This fee is not imposed if the copy is for\nthe resolution of a billing error.\n(E) The conditions under which we may retain or acquire any security interest in any property to\nsecure the payment of any credit extended on the Account:\n(1) If we now or hereafter hold any title, pledge or security interest in any of your property,\nit may be that the terms of the instrument creating such title, pledge or security interest\nwill also secure your obligation on the Account.\n(2) If you have pledged or shall hereafter pledge your personal residence as collateral\nsecurity for any indebtedness of which we are or become the owner and holder, it is\nhereby understood that we hereby waive any claim we might otherwise acquire against\nsaid personal residence as collateral security for any obligation to us arising from your\nuse of the Card.\n(F) The minimum periodic payment required: If you elect not to pay your balance in full, a payment\naccording to the following schedule must be made by you within 25 days after the Closing\nDate of the Billing Cycle as shown on your statement.\nMinimum Payment Schedule:\nIf your New Balance is:\nYour Minimum Payment will be:\nLess than $15\nNew Balance in full\n$15 to $500\n$15\nMore than $500\n3% of New Balance (rounded up to next whole dollar)\nIn addition to the above, the Minimum Payment will include the amount of all Past Due\npayments and the amount by which the New Balance exceeds the Credit Limit for the Account.\nPayments received shall be first applied to outstanding Finance Charges and Miscellaneous\nCharges, then to Cash Advances and Purchases previously billed, and then to Cash Advances\nand Purchases currently billed.\n(G) Your Billing Rights: Keep This Notice for Future Use. This notice contains important\ninformation about your rights and our responsibilities under the Fair Credit Billing Act.\nNotify Us in Case of Errors or Questions About Your Bill. If you think your bill is wrong, or\nif you need information about a transaction on your bill, write us on a separate sheet at\nthe address shown on your bill. Write to us as soon as possible. We must hear from you no\nlater than 60 days after we sent you the first bill on which the error or problem appeared.\nYou can telephone us, but doing so will not preserve your rights. In your letter, give us the\nfollowing information:\nn Your name and account number.\nn The dollar amount of the suspected error.\nn Describe the error and explain, if you can, why you believe there is an error. If you need\nmore information, describe the item you are not sure about.\nIf you have authorized us to pay your credit card bill automatically from your savings or\nchecking account, you can stop the payment on any amount you think is wrong. To stop\nthe payment, your letter must reach us three (3) business days before the automatic\npayment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice. We must acknowledge\nyour letter within 30 days, unless we have corrected the error by then. Within 90 days, we\nmust either correct the error or explain why we believe the bill is correct.\nAfter we receive your letter, we cannot try to collect any amount you question, or report you\nas delinquent. We can continue to bill you for the amount you question, including finance\ncharges, and we can apply any unpaid amount against your credit limit. You do not have to\npay any questioned amount while we are investigating, but you are still obligated to pay the\nparts of your bill that are not in question.\nIf we find that we made a mistake on your bill, you will not have to pay any finance charges\nrelated to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you may have to pay finance\ncharges, and you will have to make up any missed payments on the questioned amount. In\neither case, we will send you a statement of the amount you owe and the date that it is due.\nIf you fail to pay the amount that we think you owe, we may report you as delinquent. However,\nif our explanation does not satisfy you and you write to us within ten (10) days telling us that\nyou still refuse to pay, we must tell anyone we report you to that you have a question about\nyour bill. And, we must tell you the name of anyone we reported you to. We must tell anyone\nwe report you to that the matter has been settled between us when it is final.\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50 of the questioned amount, even\nif your bill was correct.\nSpecial Rule for Credit Card Purchases. If you have a problem with the quality of property or\nservices that you purchased with a credit card, and you have tried in good faith to correct the\nproblem with the merchant, you may have the right not to pay the remaining amount due on\nthe property or services. There are two limitations on this right:\n(a) You must have made the purchase in your home state, or if not within your home state,\nwithin 100 miles of your current mailing address; and\n(b) The purchase price must have been more than $50.\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the\nadvertisement for the property or services.\n\nMilitary Annual Percentage Rate (MAPR): Federal law provides important protections to\nmembers of the Armed Forces and their dependents relating to extensions of consumer\ncredit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: The costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specified credit transactions\nor accounts); and any participation fee charged (other than certain participation fees for a\ncredit card account).\nOral Disclosure: You may call 1-800-941-8936 to hear mandatory loan disclosures required\nby the Military Lending Act.\nCovered Borrower. A Covered Borrower is a member of the Armed Forces or a dependent of\na member of the Armed Forces who was determined to be a eligible for Covered Borrower\nstatus as that term is defined in 32 CFR Part 232 (the Department of Defense\xe2\x80\x99s regulation\nimplementing the Military Lending Act).\nChange in Status. If you are determined to be a Covered Borrower at the time this Agreement\nis entered into, and at a later date are no longer a Covered Borrower, you agree that the\nprovisions of 32 CFR Part 232 will no longer apply to this Agreement.\nSavings Clause. This Agreement may contain terms that are prohibited when applied to\nCovered Borrowers. For this reason, you and we agree that application of any term proscribed\nby 32 CFR 232.8 shall be limited to only non-covered borrowers in a manner consistent with\nother applicable law.\ncontinued on the reverse side\n\n\x0cAKUSA 02533 12.5 R 08/20\n\nADDITIONAL PROVISIONS\nYou also agree to all of the following:\nMembership. If your membership with Alaska USA terminates for any reason, you agree to\nimmediately surrender all Visa cards issued on your Account(s). You also agree to pay off all\ncredit extended on your Account(s) according to the terms of this agreement.\nOwnership of Cards. Any Card or other credit instrument or device which we supply to you is our\nproperty and must be returned to us or our agent immediately upon demand. If we ask, you will\ndestroy the Card by cutting it in half, and will surrender it to us or our agent, mail it to us, or drop\nit off at any of our offices that we direct.\nIndividual Liability. You, as an Account Holder, will be liable for all credit obtained under the\nAccount(s), whether obtained by you or by a User of the Account. If there is more than one Account\nHolder, then each will be liable, jointly and severally, for all credit obtained under the Account(s).\nCredit Limit. You will not use the Card to obtain credit in excess of the amount of the Credit Limit\navailable to you on an Account.\nLoss or Theft of Card. You will notify us immediately of the loss or theft, or the use without\nyour permission, of any Card or other credit instrument or device which we supply you by calling\n563-4567 in Anchorage, (800) 525-9094 outside Anchorage. Card Services is available to assist\nyou with lost or stolen cards 24/7. You further agree to confirm this notice in writing within two\n(2) business days at our address below:\nOur Address. You should address letters and other notices to us at:\nAlaska USA Federal Credit Union, Card Services,\nP.O. Box 196602, Anchorage, AK 99519-6602\nLiability of Cardholder for Unauthorized Use. Under Visa\xe2\x80\x99s Zero Liability policy, you are not liable\nfor fraudulent purchase transactions processed over the Visa network.\nTransactions. You will retain for statement verification your copy of each slip (ticket/draft)\nresulting from each Purchase, Cash Advance and other transaction on your Account. We will\nprovide you with photographic or other documentary evidence of each transaction upon your\nreasonable request or upon proper written notice of a billing error.\nTermination. Either you or we may terminate or suspend your credit privileges under this\nAgreement at any time. The provisions of this Agreement shall otherwise remain in full force and\neffect until you pay all sums due us.\nTransfer of Account. You cannot transfer an Account to any other person.\nHonoring of Card. We will not be responsible for the failure or refusal of anyone to honor the Card\nor any other credit instrument or device we supply to you.\nRefunds. If a seller agrees to give you a refund or adjustment, you will accept a credit slip for your\nAccount in lieu of a cash refund.\nChange of Address. You will advise us promptly if you change your mailing address. All written\nnotices and statements by us to you will be sent to your address as it appears on our records.\nCredit Reports. You authorize us to make or have made any credit, employment and investigative\ninquiries as we deem appropriate for the extension or combination of credit or collection of\namounts owing on the Account. We can furnish information concerning your Account or credit file\nto consumer reporting agencies, and others who may properly receive that information.\nIrregular Pay\xc2\xadments. We can accept late payments or partial payments, or checks and money\norders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without losing any of our rights under this Agreement.\nDefault. You will be in default on this Agreement if you do not make at least the Minimum\nPayment on or before the Payment Due Date, you try to exceed or do exceed your Credit Limit\nwithout our permission, become subject to bankruptcy or insolvency proceedings, attachment\nor garnishment proceedings are instituted against you or your property, or we reasonably deem\nourself insecure, you provide us with false information or signature, die or fail to comply with any\nprovision of this Agreement. Acceptance of a payment or Late Payment after a Payment Due Date\nor after you have exceeded your Credit Limit does not waive the default. Default on any Account\nor other obligation that you have with us will constitute default on all Accounts with us. If you\nare in default, we may, at our option, declare the entire balance due without notice or demand.\nDefault Charges. You must pay all costs, disbursements and reasonable attorneys\xe2\x80\x99 fees incurred by\nus in legal proceedings to collect or enforce the debt on this Account in the event of default by you\nor in the event of a breach of any obligation by you under this Agreement; additionally, any amount\nspent or costs incurred by the credit union in the event of a default will be added to the unpaid\naccount balance and finance charges will continue to accrue at the same rate as the account.\nDelay in Enforcement. We can delay enforcing our rights under this Agreement without losing them.\nAmendment and Assignment. Upon such notice to you, if any, as may be required by law,\nthe terms and conditions set forth in this Agreement may be amended by us at any time,\nwhich amendment(s) shall govern any transaction occurring prior to the effective date of such\namendment(s), as to which there is any unpaid balance owing to us on the effective date of\nsuch amendment(s), and such amendment(s) shall also govern any transaction occurring after\nsuch effective date. We will have the right to assign and transfer our rights under this Agreement\nand any amounts you owe to us; and the term \xe2\x80\x9cus\xe2\x80\x9d shall be deemed to include each and every\nimmediate and successive assignee.\nForeign Transactions. If you use your Card for Purchases or Cash Advances in a currency other\nthan U.S. dollars, the transaction amount will be converted to U.S. dollars by Visa International,\nInc. under their rules set forth from time to time. Currently, the rules specify that the currency\nconversion rate is a rate selected by Visa from the range of rates available in wholesale currency\nmarkets for the applicable central processing date, which rate may vary from the rate Visa itself\nreceives, or the government-mandated rate in effect for the applicable central processing date.\nIf a credit is subsequently given for a transaction in a currency other than U.S. dollars and the\ncredit has a different processing date, then the converted amount of the credit may be greater/\nless than the converted amount of the original transaction. The currency conversion rate on the\nday before the transaction processing date will be used and may differ from the rate in effect at\nthe time of the original transaction. You agree to accept the converted amount in U.S. dollars.\nATM Fees. Alaska USA does not charge a fee for any electronic funds transfer you make using\nyour Visa credit card. When you use an ATM not owned by Alaska USA you may be charged a fee\nby the ATM operator or any network used.\nIllegal Activity. Visa credit cards may not be used for any illegal activity. Display of a Visa logo\nby an online merchant does not mean that transactions are lawful in all jurisdictions in which\ncardholders may be located.\nSeverability. If any provision of this Agreement is held invalid, all valid provisions that are\nseverable from the invalid provision remain in effect.\nCaptions and Catchlines for Reference Only. Captions and catchlines are intended solely as aids\nto convenient reference, and no inference as to intent with respect to this Agreement may be\ndrawn from them.\nLaw Governing. This Agreement is governed by Federal laws and the laws of Alaska to the extent\nthey are not preempted by Federal laws and regulations.\nHow Alaska USA will calculate your balance: Alaska USA uses a method called \xe2\x80\x9caverage daily\nbalance (including new purchases).\xe2\x80\x9d See your account agreement for more details.\nBilling rights: Information on your rights to dispute transactions and how to exercise those rights\nis provided in your account agreement.\nScoreCard\xc2\xae Reward Point Program Rules\n1. Visit www.scorecardrewards.com and log in to view your Reward Point earnings ratio for every\nqualifying purchase dollar amount. A qualifying purchase (\xe2\x80\x9cQualifying Transaction\xe2\x80\x9d) shall mean: (i)\na transaction that is charged to an eligible card account covered by the Program (\xe2\x80\x9cAccount\xe2\x80\x9d), and\n(ii) a transaction that appears on Your statement during the Program period. Points are deducted\nfor returns. No Points are earned for finance charges, fees, cash advances, convenience checks,\nATM withdrawals, foreign transaction currency conversion charges or insurance charges posted to\nyour Account. Contact Alaska USA (\xe2\x80\x9cSponsor\xe2\x80\x9d) for full details on the Program period dates during\nwhich you are eligible to earn Points.\n2. Points can be used to order only the merchandise/travel awards (\xe2\x80\x9cAward(s)\xe2\x80\x9d) available in the\ncurrent Program. You may select Awards from any level, as long as you have a sufficient number\nof Points available in your Account as of the date of your most recent earnings statement. Point\nrequirements assigned to any Award are subject to change from time to time without notice, and\nAwards may be substituted at any time. Should an Award be discontinued, it will be replaced with\nan Award of equal or greater value or, if no suitable substitute is available, you will be advised to\nmake an alternative selection or your Points may be returned to your Account.\n3. Your merchandise Award will usually be delivered by a commercial delivery service or the U.S.\nPostal Service within 4-6 weeks of processing your order. Shipments cannot be made to a post office\nbox. If you have an APO, U.S. eligible territory or international address, please contact ScoreCard\nAward Headquarters for details regarding merchandise options and shipments before ordering.\n4. Note any damages or shortages on the delivery receipt before signing to accept delivery from\nthe carrier. A merchandise Reward received damaged or defective may be returned to the shipper\nfor replacement within thirty (30) days of delivery. All parts, instructions, warranty cards and\noriginal packaging materials must be returned with the merchandise Award.\n\n5. Applicable manufacturers\xe2\x80\x99 or providers\xe2\x80\x99 warranties, if any, will be included with your Award.\nWarranty claims must be directed to the manufacturer or provider, as applicable. SPONSOR, ANY\nTHIRD PARTY UTILIZED BY SPONSOR TO ADMINISTER THE PROGRAM (\xe2\x80\x9cProgram Administrator\xe2\x80\x9d)\nAND THEIR AFFILIATES, AND ANY ASSOCIATION OR ORGANIZATION OF WHICH YOUR SPONSOR\nIS A MEMBER IN CONNECTION WITH THE PROGRAM (\xe2\x80\x9cASSOCIATION \xe2\x80\x9c) MAKE NO AWARD,\nPRODUCT, OR MERCHANDISE REPRESENTATIONS OR WARRANTIES, EXPRESS OR IMPLIED,\nAND DISCLAIM ANY AND ALL LIABILITY AS TO THE CONDITION, QUALITY, MERCHANTABILITY\nOR FITNESS FOR A PARTICULAR PURPOSE OF AWARDS, PRODUCTS, MERCHANDISE AND/OR\nSERVICES PROVIDED THROUGH THIS PROGRAM. THE PROGRAM ADMINISTRATOR AND ITS\nAFFILIATES WILL NOT BE LIABLE FOR ANY DEFECTS IN AWARDS OR DAMAGES RESULTING FROM\nUSE OF ANY AWARDS PROVIDED THROUGH THE PROGRAM.\n6. Points have no cash value. Points cannot be exchanged for cash or credit; used with any other offer,\npromotion or discount; combined with cash to obtain any Awards; or, earned from or transferred to any\nother credit and/or debit card, account or rewards program, unless otherwise specified.\n7. Your ScoreCard earnings statement will normally include the number of Points earned, subject\nto adjustment as provided for in these Rules. In the event you redeem unearned Points, your\nAccount may be charged for the actual cash difference between the cost of the Award redeemed\nand the net value of the actual Points available.\n8. Your Account must be open and in good standing (i.e., not cancelled, terminated by either party\nor otherwise not available for your use as a payment method) at the time your order is received\nfor processing. Sponsor reserves the right to suspend your participation in the Program until the\nAccount is in good standing.\n9. Despite the Program\xe2\x80\x99s best efforts to ensure accuracy, printing and website errors may\noccasionally occur. The Program Administrator reserves the right to correct such errors at any time.\n10. The Program may be modified, suspended or cancelled, and the redemption value of already\naccumulated Points may be changed, at any time without notice and without restriction or penalty.\nChanges to the Program may include, but are not limited to, modifications that affect Point\naccrual and/or expire Points based on the Point term, age and expiration date of the selected\noption(s). Award orders must be received on or before the Program end and/or Point expiration\ndate. Contact your Sponsor for details on any current promotions affecting Point accrual or\nredemption options. Points may be forfeited due to Rules violations. This Program is void where\nprohibited or restricted by law. You are responsible for any applicable federal, state or local taxes.\n11. You agree to hold the Program Administrator and its affiliates, any Association and any\nvendors or other providers associated with the Program harmless if your Sponsor fails to meet\nits contractual or other obligations, resulting in Program interruption or termination prior to your\nredeeming your Points or receiving your Awards. You also agree to hold the Program Administrator\nand its affiliates, Sponsor and Association harmless if a Program vendor or provider files for\nbankruptcy, or otherwise goes out of business after you have redeemed your Points for an Award\nfrom the vendor or provider but before you receive or use the Award.\n12. Certain restrictions may apply to travel certificates, tickets and documents. Travel and other\ncertificates are not exchangeable, refundable, transferrable or redeemable for cash. All travel\ncertificates, tickets and documents will be mailed first class U.S. Mail and will not be replaced\nin the event of loss, destruction or theft. Your Award will usually be delivered within 4-6 weeks\nof processing your order but is not guaranteed. You may request travel certificates, tickets and\ndocuments to be delivered by overnight carrier and agree to pay any associated additional delivery\nfees before shipment. You are responsible for any airline security fees and any surcharges or\nadditional fees that may be imposed by the airlines or aviation authority and you must pay them\nby permissible credit and/or debit card at the time of the reservation booking. See the Program\nwebsite for specific travel Award terms and conditions.\n13. Your individual Program Sponsor may offer rewards opportunities and/or impose rules that\nare in addition to those stated in the Program rules. Prospective cardholders who are eligible\nto participate in the Program may contact their Program Sponsor for the Program Sponsor\xe2\x80\x99s\ncomplete rules, including information on how Reward Points are earned, how Reward Points\naccrue, when Reward Points expire, and variable Reward Points earnings ratios, if applicable.\nExisting Program participants may access the current Program Rules at any time on the Program\nwebsite. Program rules are subject to change at any time without notice.\n14. The Program Administrator shall resolve all questions of what constitutes a Qualifying\nTransaction. All such resolutions or determinations by the Program Administrator are final. The\nuse of your Account following receipt of these Rules will indicate your agreement to these Rules.\n\nCredit card disclosure\nInterest Rates and Interest Charges\nAnnual Percentage\nRate (APR) for\nPurchases\n\n12.5%\n\nAPR for Balance\nTransfers\n\n12.5%\n\nAPR for Cash\nAdvances\n\n12.5%\n\nPenalty APR and\nWhen it Applies\n\nnone\n\nPaying Interest\n\nYou have 25 days to repay your balance for Purchases\nbefore being charged a finance charge. We will begin\ncharging interest on Balance Transfers and Cash\nAdvances on the transaction date.\n\nTo learn more about factors to consider when applying for or using a credit card,\nvisit the Consumer Financial Protection Bureau at\nwww.consumerfinance.gov/learnmore\nFees\nAnnual Fees\n\n$50 (waived for Alaska USA checking account holders)\n\nTransaction Fees\n\xe2\x80\xa2 Cash Advance\n\n2% of the cash advance amount ($10 maximum)\n\n\xe2\x80\xa2 Foreign Transaction No fee\nPenalty Fees\n\xe2\x80\xa2 Late payment\n\nUp to $35\n\n\xe2\x80\xa2 Returned Payment\n\nUp to $20\n\nHow Alaska USA will calculate your balance: Alaska USA uses a method called\n\xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account agreement\nfor more details.\nBilling rights: Information on your rights to dispute transactions and how to\nexercise those rights are provided in your account agreement.\n\n\x0c'