b'Platinum Visa Credit Card Agreement and\nTruth-in-Lending Disclosure Statement\nIn this agreement (called the \xe2\x80\x9cAgreement\xe2\x80\x9d), the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean or refer to each and all persons who have applied for the Card or Cards. \xe2\x80\x9cCard\xe2\x80\x9d means\nthe Platinum Visa Credit Card or Cards, any duplicates and renewals, or substitutions we may issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your Platinum Visa Credit Card line-of-credit\nloan account with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means or refers to Michigan State University Federal Credit Union. This Agreement is also a Truth-in-Lending Disclosure\nStatement.\n1.\n\nResponsibility: By activating and using your Platinum Visa Credit Card line-of-credit loan, you agree to be bound by the terms and conditions of this\nagreement. You promise to repay all debts and the INTEREST CHARGE arising from any authorized use of the Card. You agree not to let someone else use the\nCard. If you do, you are agreeing with us that you authorize all use that person makes of the Card. Therefore, you will be liable for all such use of the Card.\nOnce you notify us, we will take prompt steps to try to prevent any further Card use by that person. If your application is signed by two people, the Account is\njoint; that is, each of you, separately and jointly with each other, are liable for all debts on the Account and INTEREST CHARGE. Your obligation to pay all such\ndebts and INTEREST CHARGE continues even though an agreement, divorce decree, or other court judgment to which we are not a party may direct that only\none of you, or some person other than you (or both of you), must pay such debts and INTEREST CHARGE.\n\n2.\n\nCredit Line: We have established a self-replenishing line of credit for you and have notified you of the amount (\xe2\x80\x9ccredit limit\xe2\x80\x9d). That notification is incorporated\nas part of this Agreement. You agree not to let your Account balance exceed such amount. Each payment you make on the Account will replenish your credit\nlimit by the part of that payment which is applied to principal. You agree that we may delay replenishing your credit limit until we confirm the payment has\ncleared. If you have not used your Platinum Visa Credit Card line of credit loan for 18 months, we reserve the right to not reissue your Platinum Visa Credit\nCard(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum Visa Credit Card(s), we reserve the right to not\nreissue your Platinum Visa Credit Card(s) as of the expiration date. We may reduce your credit limit from time to time, change the rate in accordance with\nthe conditions of the cardholder information section of the Agreement, or may, with good cause, revoke your Card and terminate this Agreement. In any\nevent, we will give you written or electronic notice of such action. \xe2\x80\x9cGood cause\xe2\x80\x9d includes your failure to satisfy the terms of this Agreement or our adverse reevaluation of your creditworthiness. However, you may terminate this Agreement, at any time and for any reason, by giving us written notice. Nevertheless,\ntermination by you or by us does not affect your obligation to pay all debts and INTEREST CHARGES arising from authorized use of your Card. The Card\nremains our property and you must recover and surrender to us each Card upon our request or upon termination of this Agreement.\n\n3.\n\nUsing the Card: As soon as received, each Card must be signed (in the space provided on the back) by the person whose name appears on the front of\nthe Card. That signature must be in the same form as appears on the front of the Card. To make a purchase or cash advance, there are several alternative\nprocedures to be followed. One is for you to present the Card to a participating Visa plan merchant or financial institution, or to us, and sign the sales draft or\ncash advance that will be imprinted with your Card. Another is to complete the transaction by using your personal identification number (PIN) in conjunction\nwith the Card, in accordance with the instructions given to you by an automated teller machine (ATM), or other type of electronic terminal that provides\naccess to the Visa system, by a participating Visa plan merchant, by us, or by another financial institution. Cash advances can also be made by phone or mail\nrequest. Please note that we are not responsible if a particular Visa plan merchant or financial institution refuses to honor your Card. You will receive a copy\nof the draft, which you should retain to verify your monthly statement. You agree not to make or permit to be made any illegal transactions on your Account\nthrough the use of a Card, a check or in any other manner. We may deny authorization for any internet gambling transaction.\n\n4.\n\nInterest Charges: In order to avoid an INTEREST CHARGE on purchases made since your last statement, you must pay the \xe2\x80\x9cTotal New Balance\xe2\x80\x9d shown on\nor before the \xe2\x80\x9cStatement Due Date\xe2\x80\x9d shown on that statement (which will not be less than 25 days from the \xe2\x80\x9cStatement Date\xe2\x80\x9d). Otherwise, the INTEREST\nCHARGE on purchases is calculated on the next statement period on previously billed but unpaid purchases and on new purchases from the date they are\nposted to your account. Balance transfers and cash advances are always subject to an INTEREST CHARGE from the date they are posted to your account. The\nINTEREST CHARGE (interest) on purchases, balance transfers, and cash advances is calculated at the Daily Periodic Rate. The ANNUAL PERCENTAGE RATE (APR)\non purchases, balance transfers and cash advances is between 9.9% (0.02712% Daily Periodic Rate) and 17.9% (0.04904% Daily Periodic Rate). The APR you\nreceive is determined based on your creditworthiness, and we have notified you of your initial APR in the Platinum Visa Account-Opening Credit Disclosures.\nBalance transfers receive 0% APR for the first 6 months from the date the Platinum Visa Credit Card account is opened. Introductory balance transfer\nAPR applies only to balance transfers from another financial institution\xe2\x80\x99s credit card. After 6 months, rate will revert to your standard rate (between\n9.9% and 17.9% ). We reserve the right to adjust or increase your APR, as allowed by applicable law. Separate INTEREST CHARGES for purchases, balance\ntransfers, and cash advances are determined by multiplying the Daily Periodic Rate by the separate average daily balances for purchases, balance transfers,\nand cash advances by the number of days in the statement period. Each average daily balance is determined by taking the beginning balance (of purchases,\nbalance transfers, or cash advances) in your account each day, adding any new purchases, balance transfers, or cash advances (whichever is applicable), and\nsubtracting any payments or credits. The results are the daily balances. All the daily balances for the statement period are added and the total is divided by\nthe number of days in the statement period to arrive at the average daily balances for the period.\n\n5.\n\nMonthly Payment: Each month, you must pay at least the minimum payment shown on your statement by the Statement Due Date. You may pay more\nfrequently, pay more than the minimum payment, or pay the Total New Balance in full. If you make extra payments or larger payments, you are still required\nto make at least the minimum payment each month your account has a balance. The minimum payment is 2% of your Total New Balance but not less than\n$15.00, plus the amount of any prior minimum payments that you have not paid. In addition, any time your Total New Balance exceeds your credit limit, you\nmust immediately pay the excess upon demand. If your account becomes 60 days delinquent, the penalty ANNUAL PERCENTAGE RATE of 17.9% (0.04904%\nDaily Periodic Rate) will apply. Once imposed, the penalty Annual Percentage Rate will apply until you make 6 consecutive minimum payments when due.\nMINIMUM PAYMENT WARNING: Making only the minimum payment will increase the amount of interest you pay and the time it takes to repay your balance.\nYou may call us at 800-678-4968 to receive information about accessing credit counseling and debt management services.\n\n6.\n\nOther Charges:\nLate Payment Fee: You may be assessed, and agree to pay, a late payment fee for any payment received 7 or more days past the payment due date as\nindicated on your statement. The late payment fee is $25.00 if the minimum payment due is $25.00 or more; $15.00 if the minimum payment due is $15.00 to\n$24.99; or $0 if the minimum payment due is less than $15.00.\nReturned Convenience Check: If we do not pay a draft written against your account, we will assess, and you agree to pay, a charge of $25.00 for each\nreturned draft.\n\n\x0c7.\n\nCurrency Conversion: When you use your Platinum Visa Credit Card at a merchant that settles in, or at an ATM that dispenses, currency other than U.S.\ndollars, the charge will be converted into the U.S. dollar amount. The currency conversion rate used to determine the transaction amount in U.S. dollars\nis either a wholesale market rate or the government-mandated rate in effect the day before the processing date. The conversion rate in effect on the\nprocessing date may differ from the rate in effect on the transaction date or posting date. Your account will be assessed, and you agree to pay, a 1.00%\ninternational transaction fee for ATM transactions and a 3.00% international transaction fee for \xe2\x80\x9call other\xe2\x80\x9d international transactions and cash advances. The\nfee will be calculated after the transaction has been converted to U.S. dollars.\n\n8.\n\nCredits: If merchants who honor your Card give you a credit for returns or adjustments, they will do so by posting a credit to your Account. You should keep\nyour copy of the credit slip to verify your monthly statement. If your credits and payments exceed what you owe us on the Account, we will credit such excess\nto your savings account or we will refund it upon request.\n\n9.\n\nSecurity Interest:\nShares as Security: To secure performances of your obligations under this Agreement, you hereby grant to MSUFCU a security of interest in funds\nyou may have on deposit with MSUFCU from time to time and in any other money MSUFCU may owe you. You understand and intend that by\nreason of such security interest here granted, MSUFCU may satisfy your indebtedness under this Agreement by charging your deposit account(s)\nmaintained with MSUFCU if you default in payment under this Agreement, without further notice to you. If a specific dollar amount has been\npledged, MSUFCU\nwill freeze shares in that account to the extent of the specified pledge. Otherwise, your shares may be withdrawn unless you are in default. This\nsecurity interest does not apply to any Individual Retirement Account or any other account that would lose special tax treatment under state or\nfederal law if given as security.\nCross Collateral: Any collateral securing other loans with the Credit Union, except loans secured by real property used as your principal dwelling or\nproperty used for personal, family or household purposes, will also secure advances made under this agreement.\n\n10. Loss or Theft of Card: You agree to notify us immediately upon discovering your Card has been lost or stolen.\nCard Expiration\nYour Card is valid until the expiration date on the front of the Card or until the Card has been inactive for 18 consecutive months and has a $0 balance,\nat which time the Card will automatically expire. If there is no activity after 24 consecutive months, your line of credit will be canceled. After the Card has\nexpired, it is no longer valid, you will not be able to use the Card and all transactions will be declined. If your Card is active within the prior 12 months, you\nwill automatically be issued a new Card 7-10 business days prior to its expiration date, unless the Card is otherwise terminated. You agree to notify us of any\nchange in address for Card reissuance, disclosure and other contact purposes.\nConsent to Contact\nYou agree we and our agents may contact you by phone or wireless device at any phone number associated with your account, including wireless numbers\n(i.e. cell phone numbers), in order to service your account, provide you fraudulent activity alerts, or collect any amounts owed to us, excluding any\ncontacts for telemarketing purposes as required by law. You further agree methods of contact may include, but are not limited to, the use of text messages,\nprerecorded or artificial voice messages, and/or use of an automatic dialing service. Calls and messages may incur access fees from your cellular service\nprovider. You understand that you are not required to provide consent as a condition to receiving products or services and you may revoke your consent or\nchange the phone number provided by contacting us at 517-333-2424 or 800-678-4968, msufcu.org, or by visiting any MSUFCU branch.\nVisa Account Updater (VAU)\nVAU is an account updating service in which your Card is automatically enrolled. When your Card(s) expire, or are lost or stolen, and new cards are issued,\nthe service may update relevant Card data (Card numbers, CVV and expiration dates) to appropriate merchants who participate in an effort to facilitate\nuninterrupted processing of your recurring charges. This service provides updates to our Visa database only. The database is accessed only by those qualified\nmerchants seeking your account information after you have requested they process a recurring payment or payments. You understand that neither Visa nor\nMSUFCU can guarantee that your account updates will be communicated to merchants prior to your next statement date. This service is provided as a free\nbenefit to you. If, at any time, you wish to opt out of the VAU service, or if you have any questions, please contact us.\n11. Default: The minimum payment shown on the statement is due by the date shown on the statement. You will be in default if you fail to make the minimum\npayment within 7 days after the Statement Due Date. You will also be in default if you breach any other conditions of the Agreement; if we determine that\nyour creditworthiness (which includes your ability to repay us) has become unsatisfactory due to change in employment, increase in your other obligations,\nor because of any other reason; or in the event of your death. In the event of any default, the entire balance on the Account becomes due and payable\nimmediately. You also agree that, in case of default, you will pay all usual and customary costs of collection, including reasonable attorney\xe2\x80\x99s fees, as permitted\nby law.\n12. Credit Information: You authorize us to investigate your credit standing when opening, renewing, or reviewing your Account, and you authorize us to\ndisclose information regarding our experience with you under this Agreement to credit bureaus and other creditors. Late payments, missed payment, or\nother defaults on your Account may be reflected in your credit report.\n13. Effect of Agreement: This Agreement contains our complete contract relating to the Account and applies to every transaction relating to the Account even\nthough a sales, balance transfer, or cash advance draft you sign or a credit slip may contain different terms.\n14. Amendment of Agreement: From time to time, we may amend this Agreement by giving you notice of the amendment at least 45 days before it goes\ninto effect, unless a shorter notice period is permitted by law. The notice will be sent to your last known address appearing in our records and will state\nthe date upon which the amendment will become effective. You agree we may provide any such notices to you electronically if you have agreed to receive\nyour statement electronically. Except where prohibited by law, all such changes will apply to new transactions and to amounts you already owe, unless you\nprovide notice of your election to terminate the account and surrender your Card(s) on or before the effective date of the changes. Then, you will be entitled\nto repay your balance in accordance with the terms and conditions in effect at that time. We may also offer you a repayment method that includes: an\namortization period of not less than 5 years or a required minimum periodic payment that includes a percentage of the outstanding balance that is not more\nthan twice the percentage required before the effective date of the amendment.\n15. Cash Advance by Machine: If automated teller machines or other electronic devices are available while this Agreement remains in effect that make it\npossible for you to obtain a cash advance by use of your Card in such a machine, we will furnish you with a secret personal identification number. Your use\nof that number, together with your Card, in getting a cash advance from such a machine is agreed to constitute your signature for purposes of such cash\nadvance. Minimum amount of cash advance is $50.00.\n16. Record Keeping: You have agreed that we may keep the application which bears your signature so that we can comply with federal and/or state law relating\nto loan documents we are required to keep in our files.\n17. Liability for Unauthorized Use: You may be liable for the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs after\nyou notify MSUFCU, orally or in writing, of the loss, theft, or possible unauthorized use. You will have no liability for any unauthorized use of your Card, unless\nyou were grossly negligent or fraudulent in handling the Card.\n\n\x0cYOUR BILLING RIGHTS: Keep This Document for Future Use\nThis notice informs you about your rights and responsibilities under the Fair Credit Billing Act.\n\nWhat to Do if You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at:\nMSU Federal Credit Union\nC/O Visa Department\nPO Box 1208\nEast Lansing, MI 48826-1208\nYou may also contact us online at msufcu.org\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 what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days of the error appearing on your statement.\n\xe2\x80\xa2A\n\x07 t least three business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing by mail or electronically. If you call us, we are not required to investigate any potential errors and you may be\nrequired to pay the amount in question.\n\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n\xe2\x80\xa2 \x07Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\n\xe2\x80\xa2 \x07Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\n\xe2\x80\xa2W\n\x07 e cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 \x07The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 \x07You do not have to pay the amount in question, but you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 I\x07 f we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 I\x07 f 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 send you a statement of\nthe amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation, but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot\nreport 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 as delinquent,\nand 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 $50.00 of the amount in question, even if your bill is correct.\n\nYour Rights If You Are Dissatisfied with Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit 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 the purchase.\nTo use this right, all of the following must be true:\n\xe2\x80\xa2 \x07The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than\n$50.00 (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company\nthat sold you the goods or services.)\n\xe2\x80\xa2 \x07You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.\n\xe2\x80\xa2 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:\nMSU Federal Credit Union\nC/O Visa Department\nPO Box 1208\nEast Lansing, MI 48826-1208\nmsufcu.org\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 that point,\nif we think you owe an amount and you do not pay, we may report you as delinquent.\n\n\x0cMSUFCU Platinum Visa Credit Card Disclosure\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n9.9% to 17.9%\n\nAPRs for Balance\nTransfers\n\n0% introductory APR for six (6) months from date of account\nopening. Rate then reverts to standard rate (9.9% to 17.9%), based\non your creditworthiness.\n\nAPRs for Cash Advances\n\n9.9% to 17.9%\nbased on your creditworthiness\n\nPenalty APR and\nWhen It Applies\n\n17.9%\nThe Penalty APR is applied if your account becomes delinquent 60 days.\n\nbased on your creditworthiness\n\nHow Long Will the Penalty APR Apply? The Penalty Annual\nPercentage Rate will apply until you make six (6) consecutive minimum\non-time payments and the line of credit is current.\nHow to Avoid\nPaying Interest\non Purchases\n\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\nTransaction Fees\n\xe2\x80\xa2 I\x07 nternational transaction\nand cash advance fees\nPenalty Fees\n\n1% for ATM transactions\n3% for all other transactions calculated after the transaction has\nbeen converted to U.S. dollars\n\n\xe2\x80\xa2 Late Payment\n\n$25 if the minimum payment due is $25 or more;\n$15 if the minimum payment due is $15 to $24.99; or\n$0 if the minimum payment due is less than $15.\n\nOther Fees\n\xe2\x80\xa2 \x07Returned Convenience\nCheck\n\n$25\n\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided\nin your account agreement.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new transactions).\xe2\x80\x9d\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your account\nbecomes delinquent 60 days.\nThe information about the costs of the card described in this disclosure is accurate as of November 1, 2019. This information may have\nchanged after that date. To find out what may have changed, write to us at PO Box 1208, East Lansing, MI 48826-1208 or visit\nmsufcu.org.\n\nFederally insured\nby the NCUA\n\n219 \xe2\x80\xa2 11/19\n\n\x0c'


b'Platinum Plus Visa Credit Card Disclosure\nThese Rules govern your participation in MSU Federal Credit Union\xe2\x80\x99s Platinum Plus Visa Credit Card Cash Back Rewards Program (also referred\nto as the \xe2\x80\x9cProgram\xe2\x80\x9d). Your participation in this Program enables you to earn cash back rewards that will be deposited directly into your MSU\nFederal Credit Union account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means or refers to this Credit Union. \xe2\x80\x9cCardholder\xe2\x80\x9d means an individual who has requested and/\nor received a Platinum Plus Visa Credit Card (also referred to as a \xe2\x80\x9cCard\xe2\x80\x9d). By using or accepting a Card, you (as a Cardholder) agree to these Rules\nand any changes, additions, or deletions to them. We issue and administer all Cards. Your rewards can be found by accessing your ComputerLine\naccount at www.msufcu.org or by contacting us at 800-678-4968. Hours of operation are Monday through Friday 7:00 a.m. to 9:00 p.m. and\nSaturday from 9:00 a.m. to 3:00 p.m. ET. We manage and administer the Program. These Rules and Card transactions are also subject to other\nagreements you may have with us (for example, Cardholder agreements).\nGeneral\n1. The Program is offered at the sole discretion of MSU Federal Credit Union. We reserve the right to change these Rules at any time,\nfor any reason, and without notice, and this includes the right to suspend or end the program, cancel outstanding cash back\nrewards, or change redemption of outstanding rewards. We do not assume any liability whatsoever for these changes.\n2. Cards and related accounts may be subject to fees and charges in accordance with the applicable Cardholder agreements and fee\nschedules.\n3. In the event of Cardholder fraud, abuse of the Program privileges, or violation of the Rules, we, at our sole discretion, reserve the\nright to cancel your participation in the Program.\n4. You are responsible for any personal tax liability related to participation in the Program or as a result of cash back rewards earned or\nredeemed.\n5. The Program is void where prohibited by law.\n6. We reserve the right to alter the Program and policies and will be the final authority on cash back rewards credits and award qualifications.\nEarning Cash Back Rewards\n1. Cardholders will earn 1% cash back for every one U.S. dollar ($1) in eligible net purchases made on their Platinum Plus Visa Credit Card\nrounded to the nearest whole dollar.\n2. \xe2\x80\x9cNet purchases\xe2\x80\x9d are defined as the dollar value of goods and services purchased with a Card beginning with the first day of the billing\ncycle minus any credits, returns, or other adjustments as reflected on monthly billing statements.\n3. Transactions excluded from cash back rewards calculation include the following: (a) cash advances, ATM withdrawals, convenience checks,\nbalance transfers, and any PIN (Personal Identification Number) transactions, except as otherwise permitted in special promotional offers;\n(b) any fees and card-related charges posted to the Card account, including late fees and finance charges as outlined in the applicable\nCardholder agreement; or (c) tax payments or any unauthorized charges or transactions.\n4. Negative cash back rewards will post on a statement if returns or credits exceed purchases.\n5. Cash back rewards may be earned only if the applicable account is in good standing. A Card account is not in good standing if closed or\nsuspended. If the account is closed by either you or us for any reason, all cash back rewards that have been accumulated but unused will\nbe forfeited immediately.\n6. Cash back rewards accrual will begin upon activation of your Card.\n7. The amount of cash back rewards a Cardholder can earn in a calendar year is unlimited.\n8. Cash back rewards earned will be credited on a daily basis, and will be displayed on the monthly statement.\n9. Cash back rewards do not expire. Cash back rewards are not considered your property and are generally not transferable upon death,\nas part of a legal settlement, or as part of a domestic relations issue.\nRedeeming Cash Back Rewards\n1. Visit our ComputerLine or mobile app, contact our Call Center at 800-678-4968, or visit any branch location for all redemption inquiries\nand to redeem your cash back rewards.\n2. To redeem your cash back, select the account where it will be deposited and the amount. You can redeem your cash back rewards at any\ntime, in any amount. Cash redemptions will be credited to your MSU Federal Credit Union account within one business day of a\nredemption request.\n\nW117R\n\n115\n\n07/15\n\nFederally insured\nby NCUA\n\n\x0c'


b'Platinum Plus Visa Credit Card Agreement and\nTruth-in-Lending Disclosure Statement\nIn this agreement (called the \xe2\x80\x9cAgreement\xe2\x80\x9d), the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean or refer to each and all persons who have applied for the Card or Cards. \xe2\x80\x9cCard\xe2\x80\x9d\nmeans the Platinum Plus Visa Credit Card or Cards, any duplicates and renewals, or substitutions we may issue. \xe2\x80\x9cAccount\xe2\x80\x9d means your Platinum Plus Visa\nCredit Card line-of-credit loan account with us. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d means or refers to Michigan State University Federal Credit Union. This Agreement is also\na Truth-in-Lending Disclosure Statement.\n1.\n\nResponsibility: By activating and using your Platinum Plus Visa Credit Card line-of-credit loan, you agree to be bound by the terms and conditions of\nthis agreement. You promise to repay all debts and the INTEREST CHARGE arising from any authorized use of the Card. You agree not to let someone\nelse use the Card. If you do, you are agreeing with us that you authorize all use that person makes of the Card. Therefore, you will be liable for all such\nuse of the Card. Once you notify us, we will take prompt steps to try to prevent any further Card use by that person. If your application is signed by two\npeople, the Account is joint; that is, each of you, separately and jointly with each other, are liable for all debts on the Account and INTEREST CHARGE.\nYour obligation to pay all such debts and INTEREST CHARGE continues even though an agreement, divorce decree, or other court judgment to which\nwe are not a party may direct that only one of you, or some person other than you (or both of you), must pay such debts and INTEREST CHARGE.\n\n2.\n\nCredit Line: We have established a self-replenishing line of credit for you and have notified you of the amount (\xe2\x80\x9ccredit limit\xe2\x80\x9d). That notification is\nincorporated as part of this Agreement. You agree not to let your Account balance exceed such amount. Each payment you make on the Account will\nreplenish your credit limit by the part of that payment which is applied to principal. You agree that we may delay replenishing your credit limit until\nwe confirm the payment has cleared. If you have not used your Platinum Plus Visa Credit Card line of credit loan for 18 months, we reserve the right\nto not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date and to cancel your line of credit. If you have not activated your Platinum\nPlus Visa Credit Card(s), we reserve the right to not reissue your Platinum Plus Visa Credit Card(s) as of the expiration date. We may reduce your credit\nlimit from time to time, change the rate in accordance with the conditions of the cardholder information section of the Agreement, or may, with good\ncause, revoke your Card and terminate this Agreement. In any event, we will give you written or electronic notice of such action. \xe2\x80\x9cGood cause\xe2\x80\x9d includes\nyour failure to satisfy the terms of this Agreement or our adverse re-evaluation of your creditworthiness. However, you may terminate this Agreement,\nat any time and for any reason, by giving us written notice. Nevertheless, termination by you or by us does not affect your obligation to pay all debts\nand INTEREST CHARGES arising from authorized use of your Card. The Card remains our property and you must recover and surrender to us each Card\nupon our request or upon termination of this Agreement.\n\n3.\n\nUsing the Card: As soon as received, each Card must be signed (in the space provided on the back) by the person whose name appears on the front\nof the Card. That signature must be in the same form as appears on the front of the Card. To make a purchase or cash advance, there are several\nalternative procedures to be followed. One is for you to present the Card to a participating Visa plan merchant or financial institution, or to us, and\nsign the sales draft or cash advance that will be imprinted with your Card. Another is to complete the transaction by using your personal identification\nnumber (PIN) in conjunction with the Card, in accordance with the instructions given to you by an automated teller machine (ATM), or other type\nof electronic terminal that provides access to the Visa system, by a participating Visa plan merchant, by us, or by another financial institution. Cash\nadvances can also be made by phone or mail request. Please note that we are not responsible if a particular Visa plan merchant or financial institution\nrefuses to honor your Card. You will receive a copy of the draft, which you should retain to verify your monthly statement. You agree not to make or\npermit to be made any illegal transactions on your Account through the use of a Card, a check or in any other manner. We may deny authorization for\nany internet gambling transaction.\n\n4.\n\nInterest Charges: In order to avoid an INTEREST CHARGE on purchases made since your last statement, you must pay the \xe2\x80\x9cTotal New Balance\xe2\x80\x9d shown\non or before the \xe2\x80\x9cStatement Due Date\xe2\x80\x9d shown on that statement (which will not be less than 25 days from the \xe2\x80\x9cStatement Date\xe2\x80\x9d). Otherwise, the\nINTEREST CHARGE on purchases is calculated on the next statement period on previously billed but unpaid purchases and on new purchases from the\ndate they are posted to your account. Balance transfers and cash advances are always subject to an INTEREST CHARGE from the date they are posted to\nyour account. The INTEREST CHARGE (interest) on purchases, balance transfers, and cash advances is calculated at the Daily Periodic Rate. The ANNUAL\nPERCENTAGE RATE (APR) on purchases, balance transfers and cash advances is between 13.9% (0.03808% Daily Periodic Rate) and 17.9% (0.04904%\nDaily Periodic Rate). The APR you receive is determined based on your creditworthiness, and we have notified you of your initial APR in the Platinum\nPlus Visa Account-Opening Credit Disclosures. We reserve the right to adjust or increase your APR, as allowed by applicable law. Separate INTEREST\nCHARGES for purchases, balance transfers, and cash advances are determined by multiplying the Daily Periodic Rate by the separate average daily\nbalances for purchases, balance transfers, and cash advances by the number of days in the statement period. Each average daily balance is determined\nby taking the beginning balance (of purchases, balance transfers, or cash advances) in your account each day, adding any new purchases, balance\ntransfers, or cash advances (whichever is applicable), and subtracting any payments or credits. The results are the daily balances. All the daily balances\nfor the statement period are added and the total is divided by the number of days in the statement period to arrive at the average daily balances for\nthe period.\n\n5.\n\nMonthly Payment: Each month, you must pay at least the minimum payment shown on your statement by the Statement Due Date. You may pay\nmore frequently, pay more than the minimum payment, or pay the Total New Balance in full. If you make extra payments or larger payments, you are\nstill required to make at least the minimum payment each month your account has a balance. The minimum payment is 2% of your Total New Balance\nbut not less than $15.00, plus the amount of any prior minimum payments that you have not paid. In addition, any time your Total New Balance\nexceeds your credit limit, you must immediately pay the excess upon demand. If your account becomes 60 days delinquent, the penalty ANNUAL\nPERCENTAGE RATE of 17.9% (0.04904% Daily Periodic Rate) will apply. Once imposed, the penalty Annual Percentage Rate will apply until you make 6\nconsecutive minimum payments when due. MINIMUM PAYMENT WARNING: Making only the minimum payment will increase the amount of interest\nyou pay and the time it takes to repay your balance. You may call us at 800-678-4968 to receive information about accessing credit counseling and\ndebt management services.\n\n6.\n\nOther Charges:\nLate Payment Fee: You may be assessed, and agree to pay, a late payment fee for any payment received 7 or more days past the payment due date\nas indicated on your statement. The late payment fee is $25.00 if the minimum payment due is $25.00 or more; $15.00 if the minimum payment due is\n$15.00 to $24.99; or $0 if the minimum payment due is less than $15.00.\nReturned Convenience Check: If we do not pay a draft written against your account, we will assess, and you agree to pay, a charge of $25.00 for each\nreturned draft.\n\n\x0c7.\n\nCurrency Conversion: When you use your Platinum Plus Visa Credit Card at a merchant that settles in, or at an ATM that dispenses, currency other\nthan U.S. dollars, the charge will be converted into the U.S. dollar amount. The currency conversion rate used to determine the transaction amount\nin U.S. dollars is either a wholesale market rate or the government-mandated rate in effect the day before the processing date. The conversion rate\nin effect on the processing date may differ from the rate in effect on the transaction date or posting date.\n\n8.\n\nCredits: If merchants who honor your Card give you a credit for returns or adjustments, they will do so by posting a credit to your Account. You should\nkeep your copy of the credit slip to verify your monthly statement. If your credits and payments exceed what you owe us on the Account, we will\ncredit such excess to your savings account or we will refund it upon request.\n\n9.\n\nSecurity Interest:\nShares as Security: To secure performances of your obligations under this Agreement, you hereby grant to MSUFCU a security of interest\nin funds you may have on deposit with MSUFCU from time to time and in any other money MSUFCU may owe you. You understand and\nintend that by reason of such security interest here granted, MSUFCU may satisfy your indebtedness under this Agreement by charging\nyour deposit account(s) maintained with MSUFCU if you default in payment under this Agreement, without further notice to you. If a\nspecific dollar amount has been pledged, MSUFCU\nwill freeze shares in that account to the extent of the specified pledge. Otherwise, your shares may be withdrawn unless you are in default.\nThis security interest does not apply to any Individual Retirement Account or any other account that would lose special tax treatment\nunder state or federal law if given as security.\nCross Collateral: Any collateral securing other loans with the Credit Union, except loans secured by real property used as your principal dwelling or\nproperty used for personal, family or household purposes, will also secure advances made under this agreement.\n\n10. Loss or Theft of Card: You agree to notify us immediately upon discovering your Card has been lost or stolen.\nCard Expiration\nYour Card is valid until the expiration date on the front of the Card or until the Card has been inactive for 18 consecutive months and has a $0 balance,\nat which time the Card will automatically expire. If there is no activity after 24 consecutive months, your line of credit will be canceled. After the Card\nhas expired, it is no longer valid, you will not be able to use the Card and all transactions will be declined. If your Card is active within the prior 12\nmonths, you will automatically be issued a new Card 7-10 business days prior to its expiration date, unless the Card is otherwise terminated. You agree\nto notify us of any change in address for Card reissuance, disclosure and other contact purposes.\nConsent to Contact\nYou agree we and our agents may contact you by phone or wireless device at any phone number associated with your account, including wireless\nnumbers (i.e. cell phone numbers), in order to service your account, provide you fraudulent activity alerts, or collect any amounts owed to us,\nexcluding any contacts for telemarketing purposes as required by law. You further agree methods of contact may include, but are not limited to, the\nuse of text messages, prerecorded or artificial voice messages, and/or use of an automatic dialing service. Calls and messages may incur access fees\nfrom your cellular service provider. You understand that you are not required to provide consent as a condition to receiving products or services and\nyou may revoke your consent or change the phone number provided by contacting us at 517-333-2424 or 800-678-4968, msufcu.org, or by visiting\nany MSUFCU branch.\nVisa Account Updater (VAU)\nVAU is an account updating service in which your Card is automatically enrolled. When your Card(s) expire, or are lost or stolen, and new cards are\nissued, the service may update relevant Card data (Card numbers, CVV and expiration dates) to appropriate merchants who participate in an effort to\nfacilitate uninterrupted processing of your recurring charges. This service provides updates to our Visa database only. The database is accessed only by\nthose qualified merchants seeking your account information after you have requested they process a recurring payment or payments. You understand\nthat neither Visa nor MSUFCU can guarantee that your account updates will be communicated to merchants prior to your next statement date. This\nservice is provided as a free benefit to you. If, at any time, you wish to opt out of the VAU service, or if you have any questions, please contact us.\n11. Default: The minimum payment shown on the statement is due by the date shown on the statement. You will be in default if you fail to make the\nminimum payment within 7 days after the Statement Due Date. You will also be in default if you breach any other conditions of the Agreement; if we\ndetermine that your creditworthiness (which includes your ability to repay us) has become unsatisfactory due to change in employment, increase in\nyour other obligations, or because of any other reason; or in the event of your death. In the event of any default, the entire balance on the Account\nbecomes due and payable immediately. You also agree that, in case of default, you will pay all usual and customary costs of collection, including\nreasonable attorney\xe2\x80\x99s fees, as permitted by law.\n12. Credit Information: You authorize us to investigate your credit standing when opening, renewing, or reviewing your Account, and you authorize\nus to disclose information regarding our experience with you under this Agreement to credit bureaus and other creditors. Late payments, missed\npayments, or other defaults on your Account may be reflected in your credit report.\n13. Effect of Agreement: This Agreement contains our complete contract relating to the Account and applies to every transaction relating to the Account\neven though a sales, balance transfer, or cash advance draft you sign or a credit slip may contain different terms.\n14. Amendment of Agreement: From time to time, we may amend this Agreement by giving you notice of the amendment at least 45 days before it\ngoes into effect, unless a shorter notice period is permitted by law. The notice will be sent to your last known address appearing in our records and\nwill state the date upon which the amendment will become effective. You agree we may provide any such notices to you electronically if you have\nagreed to receive your statement electronically. Except where prohibited by law, all such changes will apply to new transactions and to amounts you\nalready owe, unless you provide notice of your election to terminate the account and surrender your Card(s) on or before the effective date of the\nchanges. Then, you will be entitled to repay your balance in accordance with the terms and conditions in effect at that time. We may also offer you a\nrepayment method that includes: an amortization period of not less than 5 years or a required minimum periodic payment that includes a percentage\nof the outstanding balance that is not more than twice the percentage required before the effective date of the amendment.\n15. Cash Advance by Machine: If automated teller machines or other electronic devices are available while this Agreement remains in effect that make it\npossible for you to obtain a cash advance by use of your Card in such a machine, we will furnish you with a secret personal identification number. Your\nuse of that number, together with your Card, in getting a cash advance from such a machine is agreed to constitute your signature for purposes of\nsuch cash advance. Minimum amount of cash advance is $50.00.\n16. Record Keeping: You have agreed that we may keep the application which bears your signature so that we can comply with federal and/or state law\nrelating to loan documents we are required to keep in our files.\n17. Liability for Unauthorized Use: You may be liable for the unauthorized use of your credit card. You will not be liable for unauthorized use that occurs\nafter you notify MSUFCU, orally or in writing, of the loss, theft, or possible unauthorized use. You will have no liability for any unauthorized use of your Card,\nunless you were grossly negligent or fraudulent in handling the Card.At that point, if we think you owe an amount and you do not pay, we may report you\nas delinquent.\n\n\x0cYOUR BILLING RIGHTS: Keep This Document for Future Use\nThis notice informs you about your rights and responsibilities under the Fair Credit Billing Act.\n\nWhat to Do if You Find a Mistake on Your Statement\nIf you think there is an error on your statement, write to us at:\nMSU Federal Credit Union\nC/O Visa Department\nPO Box 1208\nEast Lansing, MI 48826-1208\nYou may also contact us online at msufcu.org\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\xa2 \x07Description 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.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days of the error appearing on your statement.\n\xe2\x80\xa2 \x07At least three business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing by mail or electronically. If you call us, we are not required to investigate any potential errors and\nyou may be required to pay the amount in question.\n\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n\xe2\x80\xa2 \x07Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\n\xe2\x80\xa2 \x07Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\n\xe2\x80\xa2 \x07We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 \x07The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 \x07You do not have to pay the amount in question, but you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 \x07If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 \x07If 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 send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you\nowe.\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\nso, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50.00 of the amount in question, even if your bill is correct.\n\nYour Rights If You Are Dissatisfied with Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with 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:\n\xe2\x80\xa2 \x07The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have\nbeen more than $50.00 (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the\ncompany\nthat sold you the goods or services.)\n\xe2\x80\xa2 \x07You must have used your credit card for the purchase.\nPurchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify.\n\xe2\x80\xa2 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:\nMSU Federal Credit Union\nC/O Visa Department\nPO Box 1208\nEast Lansing, MI 48826-1208\nmsufcu.org\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.\nAt that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n\x0cMSUFCU Platinum Plus Visa Credit Card Disclosure\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\n\n13.9% to 17.9%\n\nAPRs for Balance\nTransfers\n\n13.9% to 17.9%\nbased on your creditworthiness\n\nAPRs for Cash Advances\n\n13.9% to 17.9%\nbased on your creditworthiness\n\nPenalty APR and\nWhen It Applies\n\n17.9%\n\nbased on your creditworthiness\n\nThe Penalty APR is applied if your account becomes delinquent 60 days.\nHow Long Will the Penalty APR Apply? The Penalty Annual\nPercentage Rate will apply until you make six (6) consecutive minimum\non-time payments and the line of credit is current.\n\nHow to Avoid\nPaying Interest\non Purchases\n\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFees\n\xe2\x80\xa2 Late Payment\n\n$25 if the minimum payment due is $25 or more;\n$15 if the minimum payment due is $15 to $24.99; or\n$0 if the minimum payment due is less than $15.\n\nOther Fees\n\xe2\x80\xa2 \x07Returned Convenience\nCheck\n\n$25\n\nPenalty Fees\n\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is\nprovided in your account agreement.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new\ntransactions).\xe2\x80\x9d\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your\naccount becomes delinquent 60 days.\nThe information about the costs of the card described in this disclosure is accurate as of November 1, 2019. This information\nmay have changed after that date. To find out what may have changed, write to us at PO Box 1208, East Lansing, MI 48826-1208\nor visit msufcu.org.\n\nFederally insured\nby the NCUA\n\n220 \xe2\x80\xa2 11/19\n\n\x0c'


b'Visa Signature\xc2\xae Credit Card Disclosure\nThese Rules govern your participation in MSU Federal Credit Union\xe2\x80\x99s Visa Signature Credit Card Cash Back\nRewards Program (also referred to as the \xe2\x80\x9cProgram\xe2\x80\x9d). Your participation in this Program enables you to earn cash\nback rewards that will be deposited directly into your MSU Federal Credit Union account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cours\xe2\x80\x9d\nmeans or refers to this Credit Union. \xe2\x80\x9cCardholder\xe2\x80\x9d means an individual who has requested and/or received a Visa\nSignature Credit Card (also referred to as a \xe2\x80\x9cCard\xe2\x80\x9d). By using or accepting a Card, you (as a Cardholder) agree to\nthese Rules and any changes, additions, or deletions to them. We issue and administer all Cards. Your rewards\ncan be found by accessing your account on the mobile app or ComputerLine at www.msufcu.org or by contacting\nus at 800-678-4968. Hours of operation are Monday through Friday from 7:00 a.m. to 9:00 p.m. and Saturday from\n9:00 a.m. to 3:00 p.m. ET. We manage and administer the Program. These Rules and Card transactions are also\nsubject to other agreements you may have with us (for example, Cardholder agreements).\nGeneral\n1. The Program is offered at the sole discretion of MSU Federal Credit Union. We reserve the right to change\nthese Rules at any time, for any reason, and without notice, and this includes the right to suspend or end the\nprogram, cancel outstanding cash back rewards, or change redemption of outstanding rewards. We do not\nassume any liability whatsoever for these changes.\n2. Cards and related accounts may be subject to fees and charges in accordance with the applicable Cardholder\nagreements and fee schedules.\n3. In the event of Cardholder fraud, abuse of the Program privileges, or violation of the Rules, we, at our sole\ndiscretion, reserve the right to cancel your participation in the Program which may result in the forfeiture of cash\nback rewards.\n4. You are responsible for any personal tax liability related to participation in the Program or as a result of cash\nback rewards earned or redeemed.\n5. The Program is void where prohibited by law.\n6. We reserve the right to alter the Program and policies and will be the final authority on cash back rewards\ncredits and award qualifications.\nEarning Cash Back Rewards\n1. Cardholders will earn the following cash back rewards: 3% on groceries; 2% on gas, travel (airlines, hotels,\nmotels, resorts, taxi/limo, and car rentals) and universities (when making tuition payments to MSU using a credit\ncard, a service fee of 2.2% will be charged by the university); and 1% on all other purchases for every one U.S.\ndollar ($1 in eligible net purchases made on their Visa Signature Credit Cards rounded to the nearest whole\ndollar).\n2. MSU Federal Credit Union uses merchant category codes to determine whether your purchase is within a\ncertain category that earns rewards, such as groceries, gas, travel, and universities. Merchants determine the\nmerchant category code used to identify transactions, which could impact the amount of cash back you earn. We\nare not responsible for merchant category codes used by merchants.\n3. \xe2\x80\x9cNet purchases\xe2\x80\x9d are defined as the dollar value of goods and services purchased with a Card beginning with\nthe first day of the billing cycle minus any credits, returns, or other adjustments as reflected on monthly billing\nstatements.\n4. Transactions excluded from cash back rewards calculation include: (a) cash advances, ATM withdrawals,\nconvenience checks, balance transfers, and any PIN (Personal Identification Number) transactions, except as\n\n\x0cotherwise permitted in special promotional offers; (b) any fees and card-related charges posted to the Card\naccount, including late fees and finance charges as outlined in the applicable Cardholder agreement; or (c) tax\npayments or any unauthorized charges or transactions.\n5. Negative cash back rewards will post on a statement if returns or credits exceed purchases.\n6. Cash back rewards may be earned only if the applicable account is in good standing. A Card account is not in\ngood standing if closed or suspended. If the account is closed by either you or us for any reason, all cash back\nrewards that have been accumulated but unused will be forfeited immediately.\n7. Cash back rewards accrual will begin upon activation of your Card.\n8. The amount of cash back rewards a Cardholder can earn in a calendar year is unlimited.\n9. Cash back rewards earned will be credited on a daily basis, and will be displayed on the monthly statement.\n10. Cash back rewards do not expire. Cash back rewards are not considered your property and are generally not\ntransferable upon death, as part of a legal settlement, or as part of a domestic relations issue.\nRedeeming Cash Back Rewards\n1. Access ComputerLine or our mobile app, contact our Call Center at 800-678-4968, or visit any branch for\nredemption inquiries and to redeem your cash back rewards.\n2. To redeem your cash back, select the account where it will be deposited and the amount. You can redeem\nyour cash back rewards at any time, in any amount. Cash redemptions will be credited to your MSU Federal\nCredit Union account within one business day of a redemption request.\n\n11/19\n\n\x0c'


b'Service Fee Schedule\nChecking Account Fees\nTotally Green Checking.....................................................................FREE\nClassic Checking..................................$5.00 / minimum balance fee\nMoney Market Checking..................$5.00 / minimum balance fee\nRebuild Checking............................................................$10.00 / month\nCheck Fees\t\t\t\t\nPersonal Check Printing.....................................Based on check style\nTemporary Checks................................................................$1.00 / page\nCashier\xe2\x80\x99s Checks.................................................................................$5.00\nMoney Order........................................................................................$3.00\nWire Transfer\nDomestic Wire Transfer...........................................$25.00 for sending\nInternational Wire Transfer....................................$50.00 for sending\nIncoming Wire Transfer...........................................$5.00 for receiving\nReturned Wire......................................................................................$5.00\nInternational Item Fees\nInternational Currency - Purchasing.........................................$14.00\nProcessing International Checks\nCanadian Checks........................................................................$10.00\nInternational Checks requiring short collection............$35.00\nInternational Checks requiring long collection...........$100.00\nReturned International Checks............................................$40.00\nComputerLine.....................................................................................FREE\nBill Payment.........................................................................................FREE\nCard Fees\nReplacement Cards\nATM.................................................................................................$2.00\nDebit or Credit..........................................................................$5.00\nNon-CO-OP Network ATM....................................$1.00 / transaction\nInternational Service Assessment (ISA)\nATM & PIN-Based Transactions........................................1.00% of the\n\t\t\nInternational Transaction Amount\nSignature-Based Transactions.........................................3.00% of the\n\t\t\nInternational Transaction Amount\n* ISA does not apply to Platinum Plus or Visa Signature Credit Cards.\n\nCalculated after the transaction has been converted to U.S. dollars.\n\n\x0cMiscellaneous Fees\nBond Coupon Processing.............................................................$10.00\nCanceled Check Copy.......................................................................$5.00\nCoin Machine Use (Nonmembers)..........................................10% fee\nConsumer Loan Late Payment....................................................$25.00\nCourtesy Pay1, 2 (Overdraft).......................................................... $30.00\nCourtesy Pay for Debit1, 2 (Overdraft)........................................$30.00\nDormant Account.............................................................$5.00 / month\nGarnishment/Levy...........................................................................$75.00\nNon-Sufficient Funds (NSF)1........................................................$30.00\nOverdraft Transfer Notice (Paper)................................................$5.00\nResearch.................................................................................$25.00 / hour\nReturned Deposited Item.........................................Domestic $15.00\n\t\t\t\nInternational $40.00\nEscheatment......................................................................................$75.00\nSkip-A-Pay Application..................................................................$35.00\nShare Collection...............................................................................$30.00\nStatement Copy..................................................................................$5.00\nStop Payment....................................................................................$25.00\nPhone Transfer......................................................................................FREE\nYou may be charged a Courtesy Pay, Courtesy Pay for Debit, or\nNSF fee, as applicable, each time a transaction is presented for\npayment and the available balance is insufficient, even if the\ntransaction was previously rejected and a fee was previously\ncharged. For example, a transaction you authorize (such as\na check or an ACH debit) may be presented or submitted for\npayment multiple times and MSUFCU will determine whether\nor not the available balance is sufficient to pay the transaction\neach time it is presented or submitted. This means you could\nbe charged multiple fees (including multiple NSF fees or a\ncombination of multiple NSF fees and a Courtesy Pay fee) for\none transaction that you authorized. Note: It is the merchant (or\nother individual or entity), not MSUFCU, that determines when\nand through which payment channel to present or submit a\ntransaction against your account (and whether to re-present or\nresubmit a transaction that was previously rejected).\n2\nCourtesy Pay and Courtesy Pay for Debit (when opted in) are\nprotected with Balance Shield and a fee will not be assessed if\nthe available balance is negative $5.00 or less.\n1\n\n12/19\n\n\x0c'


b'Arbitration Agreement\nYou and MSUFCU agree to attempt to informally settle any and all disputes arising out of, affecting, or relating to your accounts, or the products or services we\nhave provided, or will provide, or have offered to provide to you, and/or any aspect of your relationship with MSUFCU (hereafter referred to as the \xe2\x80\x9cClaims\xe2\x80\x9d). If\nthat cannot be done, then you agree that any and all Claims that are threatened, made, filed or initiated after the Effective Date (defined below) of this Arbitration\nand Waiver of Class Action provision (\xe2\x80\x9cArbitration Agreement\xe2\x80\x9d), even if the Claims arise out of, affect or relate to conduct that occurred prior to the Effective Date,\nshall, at the election of either you or us, be resolved by binding arbitration administered by the American Arbitration Association (\xe2\x80\x9cAAA\xe2\x80\x9d) in accordance with its\napplicable rules and procedures for consumer disputes (\xe2\x80\x9cRules\xe2\x80\x9d), whether such Claims are in contract, tort, statute, or otherwise. The Rules can be obtained on\nthe AAA website free of charge at www.adr.org; or, a copy of the Rules can be obtained upon request to MSUFCU\xe2\x80\x99s Legal department. Either you or we may elect\nto resolve a particular Claim through arbitration, even if one of us has already initiated litigation in court related to the Claim, by: (a) making written demand\nfor arbitration upon the other party, (b) initiating arbitration against the other party, or (c) filing a motion to compel arbitration in court. AS A RESULT, IF EITHER\nYOU OR WE ELECT TO RESOLVE A PARTICULAR CLAIM THROUGH ARBITRATION, YOU WILL GIVE UP YOUR RIGHT TO GO TO COURT TO ASSERT OR DEFEND YOUR\nRIGHTS UNDER THIS ACCOUNT AGREEMENT (EXCEPT FOR CLAIMS BROUGHT INDIVIDUALLY WITHIN SMALL CLAIMS COURT OR A COMPARABLE COURT OF LIMITED\nJURISDICTION, SO LONG AS THE CLAIM REMAINS IN SMALL CLAIMS COURT). This Arbitration Agreement shall be interpreted and enforced in accordance with the\nFederal Arbitration Act set forth in Title 9 of the U.S. Code to the fullest extent possible, notwithstanding any state law to the contrary, regardless of the origin or\nnature of the Claims at issue. This Arbitration Agreement does not prevent you from submitting any issue relating to your accounts for review or consideration by\na federal, state, or local governmental agency or entity, nor does it prevent such agency or entity from seeking relief on your behalf. This Arbitration Agreement\nshall not apply to claims that are initiated in or transferred to small claims court. This Arbitration Agreement does not apply to: (1) any consumer credit transaction\nsecured by a dwelling (including a home equity line of credit secured by your principal dwelling); or (2) to any consumer credit obtained while you were a covered\nborrower as defined by the Military Lending Act.\n1. Selection of Arbitrator. Claims shall be resolved by a single arbitrator. The arbitrator shall be selected in accordance with the Rules, and must have experience\nin the types of transactions at issue in the Claims. In the event of a conflict between the Rules and this Arbitration Agreement, this Arbitration Agreement\nshall supersede the conflicting Rules only to the extent of the inconsistency. If AAA is unavailable to resolve the Claims, and if you and we do not agree on a\nsubstitute forum, then you can select the forum for the resolution of the Claims.\n2. Effective Date. This Arbitration Agreement is effective when the account is opened.\n3. Arbitration Proceedings. The arbitration shall be conducted within 50 miles of your residence at the time the arbitration is commenced, if within the\ncontinental United States. Any claims and defenses that can be asserted in court can be asserted in the arbitration. The Arbitrator shall be entitled to award the\nsame remedies that a court can award, including any kind of injunctive relief that could be awarded by a court. Discovery shall be available for non-privileged\ninformation to the fullest extent permitted under the Rules. The Arbitrator\xe2\x80\x99s award can be entered as a judgment in court. Except as provided in applicable\nstatutes, the arbitrator\xe2\x80\x99s award is not subject to review by the court and it cannot be appealed. MSUFCU shall pay for any filing, administration, and arbitrator\nfees imposed on you by the AAA. However, you will be responsible for your own attorneys\xe2\x80\x99 fees, unless you prevail on your Claim in the arbitration, in which\ncase, we will pay your attorneys\xe2\x80\x99 fees. Conversely, if MSUFCU prevails, then you will not be required to pay its attorneys\xe2\x80\x99 fees and costs. Nothing contained in this\nArbitration Agreement shall prevent either you or us from applying to any court of competent jurisdiction for emergency provisional relief, such as a temporary\nrestraining order, a temporary protective order, an attachment or any other pre-judgment remedies.\nAny determination as to whether this Arbitration Agreement is valid or enforceable in part or in its entirety will be made solely by the arbitrator, including\nwithout limitation any issues relating to whether a Claim is subject to arbitration; provided, however, the enforceability of the Class Action Waiver set forth\nbelow shall be determined by the Court.\n4. Class Action Waiver. ANY ARBITRATION OF A CLAIM WILL BE ON AN INDIVIDUAL BASIS. YOU UNDERSTAND AND AGREE THAT YOU ARE WAIVING THE RIGHT TO\nPARTICIPATE AS A CLASS REPRESENTATIVE OR CLASS MEMBER IN A CLASS ACTION LAWSUIT.\n5. Severability. In the event the Class Action Waiver in this Arbitration Agreement is found to be unenforceable for any reason, the remainder of this Arbitration\nAgreement shall also be unenforceable. If any provision in this Arbitration Agreement, other than the Class Action Waiver, is found to be unenforceable, the\nremaining provisions shall remain fully enforceable.\nFOR MORE DETAILS or if you have questions, you may call us or visit a branch. If you have questions about AAA procedures, you should check AAA\xe2\x80\x99s website,\nwww.adr.org, OR call AAA at (800) 778-7879.\n\n1/21\n\n\x0c'