b'UNIVERSITY BANK - VISA CREDIT CARD INTEREST RATES AND INTEREST CHARGES\n\n6.25 % - 14.25 %\nAnnual Percentage Rate(APR) for Purchases\n\nThe interest rate will vary between 6.25% - 14.25% based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\n6.25% - 14.25%\nAPR for Balance Transfers\n\nThe interest rate will vary between 6.25%-14.25% based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\n6.25% - 14.25%\nAPR for Cash Advances\n\nThe interest rate will vary between 6.25% - 14.25% based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\n25.00%\nPenalty APR and When It Applies\n\nThis APR may be applied to your account if you:\n1) Make a late payment;\n2) Go over your credit limit; or\n3) Make a payment that is returned.\nHow Long Will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty\nAPR will apply until you make six consecutive minimum payments when due.\n\nHow to Avoid Paying Interest on Purchases\n\nYour due date is at least 25 days after close of each billing cycle. We will not charge you interest on\npurchases if you pay the entire balance by the due date each month.\n\nMinimum Interest Charge\n\nIf you are charged periodic interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of\nthe Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFEES\nAnnual Fees\nTransaction Fees\n\xef\x82\xb7 Balance Transfer\n\xef\x82\xb7 Cash Advance\n\xef\x82\xb7 Foreign Fees\nPenalty Fees\n\xef\x82\xb7 Late Payment\n\xef\x82\xb7 Over-the-Credit-Line\n\xef\x82\xb7 Returned Payment\nOther Fees\n\xef\x82\xb7 Replacement Card\n\n$0.00\nEither $5.00 or 4.00% of the amount of each transfer, whichever is greater.\nEither $0.00 or 0.00% of the amount of each transfer, whichever is greater.\n3.00% of each transaction in U.S. Dollars.\nUp to $25.00\nUp to $25.00\nUp to $25.00\n$10.00/card\n\n\xef\x82\xb7\n\nAdditional Card\n\n$10.00/card (Two cards are provided without charge)\n\n\xef\x82\xb7\n\xef\x82\xb7\n\nDuplicate Statement or Document Copy\nExpedited Delivery\n\n$5.00/statement or document copy\nUp to $50.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d. See your account agreement for further information regarding how we\ncalculate your balance.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nHow We Will Calculate Your Variable APRs: We calculate variable APRs by adding a margin to the highest U.S. Prime Rate published in the Money Rates section of\nThe Wall Street Journal two business days (not weekends or federal holidays) before the closing date shown on your billing statement. The APR may increase or\ndecrease each month if the Prime Rate changes. Any new rate will be applied as of the first day of your billing cycle during which the Prime Rate has changed. If the\nAPR increases, you will pay a higher interest charge and may pay a higher minimum payment. The Prime Rate is simply a reference index and is not the lowest interest\nrate available. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar reference rate.\nPrime Rate: Variable APRs are based on the Wall Street Journal Prime Rate of 3.25% as of June 1, 2021.\nContact for Updates: The information about the costs of the credit card described in this application is current as of June 1, 2021. This information may have\nchanged after that date. To find out what may have changed, please call us at 1-800-368-7987 or email us at branch@university-bank.com.\n\n\x0cUniversity Bank - Visa Credit Card\nAgreement\n1. Agreement. These regulations govern the possession and use of\ncredit cards (\xe2\x80\x9ccard\xe2\x80\x9d) issued by University Bank (\xe2\x80\x9cIssuer\xe2\x80\x9d). Each person\nwho applies for a credit card and in whose name the card is issued\n(\xe2\x80\x9cHolder\xe2\x80\x9d) consents and agrees to these regulations and to the terms\ncontained on the credit cards, sales drafts, credit adjustment memos\nand cash advance drafts, signed by or given to Holder or any\nauthorized user of Holder\xe2\x80\x99s cards. When credit cards are issued upon\nthe application of two or more persons, all such persons shall be\njointly and severally liable as Holders. The provisions of these\nregulations, as amended from time to time, govern Holder\xe2\x80\x99s\nobligations, notwithstanding any additional or different terms\ncontained in sales drafts, credit adjustment memos, cash advance\ndrafts or other forms signed by or given to Holder or any user of\nHolder \xe2\x80\x98s cards to evidence a credit card transaction. Holder\nauthorizes an investigation of Holder\xe2\x80\x99s credit standing prior to the\nissuance of a credit card to Holder and at any time thereafter and\nauthorizes disclosure of information to third parties relating to\nHolder\xe2\x80\x99s credit standing. These regulations apply to all credit cards\nissued to Holder or to others on Holder\xe2\x80\x99s authorization and to any\nuser of Holder\xe2\x80\x99s cards.\n2. Membership Fees. As a condition of participation in the issuer\xe2\x80\x99s\ncredit plan and the issuance of a card, Holder agrees that there is no\nannual membership fee for VISA consumer and business accounts.\nThe membership fee described above entitles the Holder to two VISA\ncards. Holder agrees to pay a fee for each additional card requested.\nPlease see Rates and Fees Disclosure Table for fees charged.\n3. Use of Card. Credit for purchases from a merchant or a cash\nadvance from a participating financial institution may be obtained by\nHolder or an authorized user of Holder\xe2\x80\x99s card presenting one of\nHolder\xe2\x80\x99s cards to the merchant or participating financial institution\nand, if requested, by providing the proper identifying information and\nsigning the appropriate drafts. Failure to sign a draft does not relieve\nthe Holder of liability for purchases made or cash received. The use of\nthis card for illegal transactions is prohibited. The card may also be\nused to obtain cash advances from certain automated equipment\nprovided it is used with Holder\xe2\x80\x99s correct Personal Identification\nNumber (\xe2\x80\x9cPIN\xe2\x80\x9d) issued to Holder. Holder may make only two cash\nadvance withdrawals totaling not more than $200 each day from\ncompatible ATM terminals. Terminals or terminal operators may have\nother limits on the amounts or frequency of cash withdrawals. Holder\nwill not be liable for the unauthorized use of the card or PIN issued to\nHolder which occurs before issuer receives notification orally or in\nwriting of loss, theft or possible unauthorized use of a card or PIN.\nLost or stolen cards or PINS should be reported immediately to Issuer\nby notifying CUSTOMER SERVICE, P.O. Box 30495, Tampa, FL 33630,\nand Telephone (866) 839-3485.\n4. Use of University Bank Card Checks. Credit obtained by use of a\nBalance Transfer Check shall be treated as a credit purchase. Credit\nobtained by use of Classic or Premier Check shall be treated as a cash\nadvance.\n5. Credit Line. Holder will from time to time be informed of the\namount of the approved credit line established for Holder, and Holder\ncovenants not to make credit purchases or borrowings in excess of\nthat amount. Holder is liable for all purchases and borrowings made\nwith Holder\xe2\x80\x99s cards by Holder or by anyone authorized to use Holder\xe2\x80\x99s\ncards.\n6. Payment. Holder will be furnished a monthly statement for each\nbilling period at the end of which there is an undisputed debit or\ncredit balance of $1.00 or more. Holder shall pay within 25 days after\n\neach statement Closing Date either (a) the full amount billed (\xe2\x80\x9cNew\nBalance\xe2\x80\x9d) or, at Holder\xe2\x80\x99s option, (b) a minimum Payment of $25 or 3%\nof the New Balance, whichever is greater. Payments may be mailed\nto VISA, P.O. Box 4512, Carol Stream, IL 60197-4512. Payments may\nbe made, in person, at a University Bank office. Payments received\nafter 5:00 p.m. on any processing day or at any time on any nonprocessing day will be considered as payments made on the\nfollowing processing day. All payments by Holder will be applied first\nto payment of Interest Charges in the order of their entry to the\naccount, second to additional fees and credit insurance charges, if\nany, in the order of their entry to the account, third to previously\nbilled cash advances, purchases and other similar charges in the order\nof their entry to the account, and then to current cash advances,\npurchases and other similar charges in the order of their entry to the\naccount.\n7. Interest Charges. Holder shall pay Interest Charges as shown on\nHolder\xe2\x80\x99s monthly statements, for each billing period in which there is\na cash advance or the Previous Balance is not paid in full prior to the\nClosing Date of the billing statement. For cash advance fees, please\nsee the Rates and Fees Disclosure Table. We figure the Interest\nCharges on your account by applying the monthly Periodic Rate to the\nentire \xe2\x80\x9cBalance Subject to Interest Rate.\xe2\x80\x9d The additional charge for\ncash advances shall not apply to any cash advance obtained under a\nseparate credit agreement with Holder and written in connection\nwith these regulations. The \xe2\x80\x9cBalance Subject to Interest Rate\xe2\x80\x9d is the\n\xe2\x80\x9caverage daily balance,\xe2\x80\x9d of the account (including current\ntransaction). To get the \xe2\x80\x9caverage daily balance,\xe2\x80\x9d we take the\nbeginning balance of the account each day, add any new cash\nadvances, credit purchases and other charges, and subtract any\npayments or credits, unpaid late charges, unpaid membership fees\nand unpaid Interest Charges. This gives us the daily balance. Then, we\nadd up all of the daily balances for the billing cycle and divide the total\nby the number of days in the billing cycle. This gives us the \xe2\x80\x9cAVERAGE\nDAILY BALANCE.\xe2\x80\x9d Interest Charges for credit purchases begin on the\ndate the purchase is posted to the account unless the Previous\nBalance shown on the statement is paid in full prior to the Closing\nDate of the statement. Credit purchases made during the statement\nperiod and the Previous Balance will be excluded from the calculation\nof the \xe2\x80\x9caverage daily balance\xe2\x80\x9d if the Previous Balance shown on the\nfront of the statement was paid in full prior to the Closing Date of the\nstatement. The Interest Charges for cash advances begin on the date\nthe advance is posted to the account. Holder may avoid additional\nInterest Charges on an account by paying in full the New Balance\nshown on the account\xe2\x80\x99s monthly statement within 25 days after the\nClosing Date for that statement.\n8. Variable Annual Percentage Rate. The current monthly Periodic\nRate and corresponding ANNUAL PERCENTAGE RATE for new\naccounts are disclosed on the accompanying card mailer. These rates\nmay vary monthly and shall be adjusted on the first day of each billing\nperiod (\xe2\x80\x9cChange Date\xe2\x80\x9d). The ANNUAL PERCENTAGE RATE on each\nChange Date shall equal the highest prime rate published in The Wall\nStreet Journal \xe2\x80\x9cMoney Rates\xe2\x80\x9d tables on the last date of publication in\nthe calendar month preceding each Change Date (\xe2\x80\x9cIndex Rate\xe2\x80\x9d), PLUS\na Margin. For more information on current margin(s), please refer to\nthe Rates and Fees Disclosure Table. The monthly Periodic Rate is\n1/12th of the ANNUAL PERCENTAGE RATE. Beginning on the date an\nadjustment in the rate is effective and until the next Change Date, the\nmonthly Periodic Rate then in effect will be applied to the balance in\nthe account to determine the Interest Charges. An adjustment in the\nmonthly Periodic Rate and corresponding ANNUAL PERCENTAGE\nRATE will apply both to the outstanding balances in the account and\nto new cash advances, (including any balance transfers from other\ncredit card accounts), credit purchases, and other charges. An\nincrease or decrease in the Index Rate will cause and increase or\ndecrease in the monthly Periodic Rate and corresponding ANNUAL\n\n\x0cPERCENTAGE RATE and may increase the amount and number of\nminimum payments. If the Index Rate ceases to be made available,\nIssuer may substitute a substantially similar index and margin.\n9. How We Will Calculate Your Variable APRs: We calculate variable\nAPRs by adding a margin to the highest U.S. Prime Rate published in\nthe Money Rates section of The Wall Street Journal two business days\n(not weekends or federal holidays) before the closing date shown on\nyour billing statement. The APR may increase or decrease each month\nif the Prime Rate changes. Any new rate will be applied as of the first\nday of your billing cycle during which the Prime Rate has changed. If\nthe APR increases, you will pay a higher interest charge and may pay\na higher minimum payment. The Prime Rate is simply a reference\nindex and is not the lowest interest rate available. If The Wall Street\nJournal stops publishing the Prime Rate, we will select a similar\nreference rate.\n10. Additional Fees. For a listing of fees charged in association with\nthis card, please see the Rates and Fees Disclosure Table\naccompanying this Agreement. These charges will not be imposed if\nHolder\xe2\x80\x99s request is in connection with or delivery of the documents in\nresponse to an alleged billing error under Regulations E or Z issued by\nthe Board of Governors of the Federal Reserve System. Fees imposed\nwill be posted to Holder\xe2\x80\x99s account.\n11. Security Interest. All credit advanced to Holder for credit\npurchases or cash advances constitutes loans made by Issuer to\nHolder in the state of MI. Issuer disclaims as security for loans made\nto Holder under these regulations any security interest it may at any\ntime have in household goods or real property. Except as disclaimed\nabove, loans made to Holder after the effective date of these\nregulations may be secured by collateral given by any Holder to\nsecure other loans from Issuer.\n12. Insurance. If the Holder is eligible and elects to participate in the\ngroup credit life, disability and loss of income insurance program by\nsigning the appropriate enrollment forms, insurance charges will be\nposted to Holder\xe2\x80\x99s account each statement period at the rate\ndisclosed in the enrollment form based upon the New Balance on the\naccount (including accrued Interest Charges) for each statement\nperiod. CREDIT LIFE, DISABILITY AND LOSS OF INCOME INSURANCE IS\nVOLUNTARY AND IS NOT REQUIRED AS A CONDITION TO HOLDER\xe2\x80\x99S\nPARTICIPATION IN THIS CREDIT PLAN.\n13. Foreign Transactions. If a Holder\xe2\x80\x99s card is used to effect a\ntransaction in a foreign currency, the transaction amount will be\nconverted to U.S. dollars by VISA International, VISA converts\ncurrency to U.S. dollars using either the government mandated\nexchange rate or the wholesale exchange rate, in effect one day\nbefore the date of the conversion, as applicable. The exchange rate is\nincreased by 1% if the conversion is made in connection with a charge\nto an account and decreased by 1% if the conversion is made in\nconnection with a credit to an account. The date of conversion by\nVISA may differ from the purchase date and the posting date\nidentified in the monthly statement for the account. Holder agrees to\npay charges and accept credits for the converted transaction amounts\nin accordance with the terms of this paragraph.\n14. Disputes. Issuer is not responsible for refusal by any merchant,\nfinancial institution or automated equipment to honor or accept a\ncard. Except as provided in the Federal Truth-in-Lending laws(as\nindicated in the Summary of Billing Rights below), Issuer has no\nresponsibility for merchandise or services obtained by Holder with a\ncard and any dispute concerning merchandise or services will be\nsettled between Holder and the merchant concerned.\n15. Default. Holder covenants to observe and comply with these\nregulations and covenants not to permit an event of default to occur.\nUpon the occurrence of any one or more of the following events of\ndefault: (a) Holder fails to pay at least the Minimum Payment when\ndue on two occasions within any 12-month period; or (b) Holder dies,\nceases to exist, changes residency to another state, becomes\n\ninsolvent or the subject of bankruptcy or insolvency proceedings or\nfails to observe any covenant or duty contained in these regulations,\nif such event or breach materially impairs Holder\xe2\x80\x99s ability to pay\namounts due; the full amount of Holder\xe2\x80\x99s account for which the\ndefault occurred (including unpaid Interest Charges) shall, at Issuer\xe2\x80\x99s\noption become immediately due and payable if Holder does not cure\nthe default within 15 calendar days after notice is mailed to the\naddress of Holder, or given as otherwise provided by law. Issuer has\nthis right, without notice and opportunity to cure; if the default is the\nHolder\xe2\x80\x99s third default within 12 months and the Holder is notified of\nthe prior two defaults and the Holder cured those defaults. 16.\nTermination. Holder\xe2\x80\x99s consent to these regulations may be\nterminated at any time by surrendering the cards issued to Holder or\nat Holder\xe2\x80\x99s written request, but such termination shall not affect\nHolder\xe2\x80\x99s obligations as to any balances or charges outstanding at the\ntime of termination. Termination by any Holder shall be binding on\neach person in whose name the card is issued. If Holder\xe2\x80\x99s spouse\nterminates this credit plan, the full amount of Holder\xe2\x80\x99s account\n(including unpaid Interest Charges) may be declared immediately due\nand payable. Issuer may terminate Holder\xe2\x80\x99s privilege to use the cards\nif Holder moves out of the service area of Issuer, as defined by Issuer\nfrom time to time. Unless sooner terminated, the privilege to use the\ncards shall expire on the date shown on the cards. At any time,\nwithout liability to Holder and without affecting Holder\xe2\x80\x99s liability for\ncredit previously extended, Holder\xe2\x80\x99s privilege to use the cards may be\nrevoked or limited to the extent not prohibited by law. The cards are\nand shall remain the property of Issuer and Holder agrees to\nsurrender them to Issuer upon demand.\n17. Amendments. Issuer may amend these regulations from time to\ntime by sending Holder advance written notice not less than 90 days\nprior to the effective date for any change that is either adverse to\nHolder\xe2\x80\x99s outstanding balance or increases certain fees, as required by\nthe MI Consumer Act from time to time, or not less than 15 days prior\nto the effective date for other changes, or as may otherwise be\nrequired or permitted by law. To the extent that Issuer indicates in\nthe notice and that the law permits, amendments will apply to\nHolder\xe2\x80\x99s existing account balance as well as to future transactions.\nNotices are deemed given when mailed by Issuer to any Holder to the\ncurrent address for mailing monthly statements. Invalidity of any\nprovision of these regulations shall not affect the validity of any other\nprovisions unless otherwise provided by the MI Consumer Act.\n18. Governing Law. Holder agrees to be governed by the MI\nConsumer Act with respect to all aspects of the transactions arising\nunder these regulations. All statutory references are to the statutes\nas they may be renumbered or amended from time to time.\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address shown on your monthly billing statement.\nIn your letter, give us the following information:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nAccount Information:\nYour name and account number.\nDollar Amount:\nThe dollar amount of the suspected error.\nDescription of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it\nis a mistake.\n\nYou must contact us:\n\xef\x82\xb7\n\xef\x82\xb7\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\n\nYou must notify us of any potential errors in writing (or electronically). You may call us, but if you do, we are not required to investigate\nany potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1.\n2.\n\nWithin 30 days after receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\n\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\xef\x82\xb7\n\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7\n\xef\x82\xb7\n\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\nIf we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you\ndo not pay the amount we think you owe.\n\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay.\nIf you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of\nanyone to whom we reported 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 of the amount in question, even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct\nthe problem with the merchant, you may have the right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1.\n\n2.\n3.\n\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price\nmust have been more than $50.\n(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.)\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses\nyour credit card account do not qualify.\nYou must not yet have fully paid for the purchase.\n\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing (or electronically) at the address\nshown on your monthly billing statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you\nour decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\n\x0c'


b'CREDIT CARD\nAGREEMENT AND DISCLOSURE\n\n18540 Northwest Freeway\nHouston, TX 77065\nPhone: 832-604-4848 \xe2\x80\xa2 866-614-9298\nwww.eccu.net\nBorrower(s) Name and Address\n\nDate\n\nAccount/Member Number\nCredit Limit\n\nInterest Rates and Interest Charges\n\nVisa Platinum\n\nANNUAL PERCENTAGE RATE\nfor Purchases\n\n_______% This APR will vary with the market based on the Prime Rate.\n\nANNUAL PERCENTAGE RATE\nfor Balance Transfers\n\n___________% This APR will vary with the market based on the Prime Rate.\n\nANNUAL PERCENTAGE RATE\nfor Cash Advances\n\n___________% This APR will vary with the market based on the Prime Rate.\n\nHow to Avoid Paying Interest\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any interest\non purchases if you pay your entire balance by the due date each month.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from\nthe Consumer Financial Protection Bureau\nFees\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website\nof the Consumer Financial Protection Bureau at: http://www.consumerfinance.gov/learnmore\n\nSet-up and Maintenance Fees\nTransaction Fees\nCash Advance\nForeign Transactions\nPenalty Fees\nLate Payment\nReturned Payment\n\nNone\n3% of the advance, $35 maximum\n1% of each transaction in U.S. dollars\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (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 is provided in your Account agreement.\nThe Purchase, Balance Transfer and Cash Advance APR is ______________% which is a daily periodic rate of ______________%.\nMargin:\nThe Purchase APR is _______________% which is a monthly periodic rate of _______________%.\nThe Cash Advance APR is _______________% which is a monthly periodic rate of _______________%.\nThe Balance Transfer APR is _______________% which is a monthly periodic rate of _______________%.\nOther Fees:\nLate Payment:\nPay By Phone Fee:\nCard Replacement Fee:\nRush Fee:\nDocument Copy Fee:\n\nIf your payment is 10 or more days late you will be charged up to $25.00.\n$ 4.00\n$ 5.00\nVaries\n$ 5.00\n\nCopyright 2011 ConmarSystems, Peachtree City, GA 30269 \xe2\x80\x93 EFORM 18809-2\n\nPage 1 of 3\n\n\x0cCREDIT CARD AGREEMENT AND DISCLOSURE\nThis Agreement establishes the terms and conditions of your credit card agreement with the Credit Union. In\nthis agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any person who signs this agreement or who uses any\ncard or other access device that may be issued in connection with this Agreement "Card" means the Visa\nPlatinum credit card and any duplicates and renewals the Credit Union issues. "Account" means your Visa\nPlatinum credit card account with the Credit Union. "Credit Union," "we," "us," and "our" mean the Credit\nUnion. You must be a member of the Credit Union to apply for a credit card.\nUSING THE ACCOUNT: If you are approved for an account, the Credit Union will establish a line of credit\nfor you. By using the card for the first time, or authorizing another person to use your account, you agree to\nand accept all of the terms and conditions in this agreement. You agree that your credit limit is the maximum\namount (purchases, cash advances, balance transfers, plus \xe2\x80\x9cother charges\xe2\x80\x9d) which you will have outstanding\non your account at any time. Unless disclosed otherwise, the Credit Union will not allow advances over the\ncredit limit. If the Credit Union has a program whereby it allows payment of advances that exceed your credit\nlimit, the Credit Union will provide you with notice, either orally, in writing, or electronically (notwithstanding\nthe requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right to opt in to the\nCredit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in to\nsuch a program, you agree to the terms of such a program. You may request an increase in your credit limit\nonly by a method acceptable to the Credit Union. The Credit Union may increase or decrease your credit\nlimit, refuse to make an advance and/or terminate your account at any time for any reason not prohibited by\nlaw. If you are permitted to obtain cash advances on your account, we may, from time to time, issue\nconvenience checks to you that may be drawn on your account. Convenience checks may not be used to\nmake a payment on your account balance. If you use a convenience check, it will be posted to your account\nas a cash advance. We reserve the right to refuse to pay a convenience check drawn on your account for\nany reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to\npay any fee imposed to stop a payment on a convenience check issued on your account. You may make a\nstop payment request orally, if permitted, or in writing. Your request must be made with sufficient time in\nadvance of the presentment of the check for payment to give us a reasonable opportunity to act on your\nrequest. In addition, your request must accurately describe the check including the exact account number,\nthe payee, any check number that may be applicable, and the exact amount of the check. If permitted, you\nmay make a stop payment request orally but such a request will expire after 14 days unless you confirm your\nrequest in writing within that time. Written stop payment orders are effective only for six (6) months and may\nbe renewed for additional six month periods by requesting in writing that the stop payment order be renewed.\nWe are not required to notify you when a stop payment order expires. If we re-credit your account after\npaying a check or draft over a valid and timely stop payment order, you agree to sign a statement describing\nthe dispute with the payee, to assign to us all of your rights against the payee or other holders of the check or\ndraft and to assist us in any legal action. You agree to indemnify and hold us harmless from all costs and\nexpenses, including attorney\xe2\x80\x99s fees, damages, or claims, related to our honoring your stop payment request\nor in failing to stop payment of an item as a result of incorrect information provided to us or the giving of\ninadequate time to act upon a stop payment request.\nRESPONSIBILITY: You promise to pay any and all charges incurred by you or by any person whom you\nauthorize to use the Credit Card issued to you, and any fees or charges incurred in the recovery of a credit\ncard, retrieval of transaction data, or collection of this account in accordance with the terms and conditions\nissued by VISA International, Inc. in accordance with the policies established by the Credit Union.\nYour obligation to pay the amount owed on your account continues until paid in full even though an\nagreement, divorce decree or other court judgment to which the Credit Union is not a party may direct\nsomeone else to pay the account balance.\nJOINT ACCOUNT: If more than one person applies for the card each is individually responsible for all\namounts owed on the account and is jointly and severally responsible for all amounts owed. This means the\nCredit Union can enforce the Agreement against any of you individually or all of you together. Each may\nobtain credit advances without the knowledge of the other and both are obligated to repay all advances made\nto the account. You agree to notify the Credit Union of any address change.\nUSING THE CARD: You may use the card issued to you to make purchases from anyone who accepts VISA\nCredit Cards. You may also obtain cash advances from the Credit Union, from other financial institutions\nparticipating in the VISA program and from automated teller machines (ATM\'s) that provide access to the\nVISA system. Your VISA Personal Identification Number (PIN) is needed to obtain cash advance from an\nATM (not all ATMs accept VISA Cards). You agree not to use the card for any illegal transactions such as\nadvances for gambling or wagering where these practices are in violation of the law. Even if you use your\ncard for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with\nthe transaction.\nPERSONAL IDENTIFICATION NUMBER (PIN): We will furnish you with a Personal Identification Number (PIN).\nYou agree to keep the PIN secret. You also agree you won\'t write the PIN on the Card or anything you keep with\nthe card. Your use of the PIN and Card in making a purchase or obtaining a cash advance constitutes your\nagreement to be responsible for all amounts and charges incurred in connection with such transactions.\nFINANCE CHARGES. For purchase, cash advance, and balance transfer transactions on your Account, the\nbalances subject to a finance charge are identified on your monthly statement as \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d\n(including new purchases, new cash advances and new balance transfers). The \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d is\ndetermined as follows. Each day we take the balance at the beginning of the day, add any new purchases,\ncash advances, balance transfers, insurance premiums, and debit adjustments or other charges, and\nsubtract any payments, credits, unpaid finance charges, late charges, over-the-credit limit fees, and cash\nadvance fees that are processed that day. This gives us the \xe2\x80\x9cDaily Balance.\xe2\x80\x9d To get the \xe2\x80\x9cAverage Daily\nBalance\xe2\x80\x9d for the billing cycle, we add up all the Daily Balances for each calendar day of the billing cycle, and\ndivide the total by the number of days in the billing cycle. Purchase transactions posted to your Account\nduring the billing cycle period are included in the total only if the \xe2\x80\x9cNew Balance\xe2\x80\x9d on your previously assessed\nbill was not paid in full by the end of the grace period, as explained below.\nA finance charge will be imposed on Credit Purchases only if you elect not to pay the entire New Balance\nshown on your monthly statement for the previous billing cycle within 25 days from the date of that\nstatement. If you elect not to pay the entire New Balance shown on your previous monthly statement within\nthat 25 day period, a Finance Charge will be imposed on the unpaid average daily balance of such Credit\nPurchases from the date of posting to your Account during the current billing cycle, and will continue to\naccrue until the date of the billing cycle preceding the date on which the entire New Balance is paid in full or\nuntil the date of payment if more than 25 days from the closing date.\nVARIABLE RATE. Your Account is subject to a Variable Rate which is based on the highest Prime Rate as\npublished in the Money Rates Section of the Wall Street Journal in effect on the last day of each calendar\nquarter (\xe2\x80\x9cIndex\xe2\x80\x9d) plus our Margin. The Index plus the Margin equals the Interest Rate. Changes in the Index\nwill cause changes in the Interest Rate on the first day of the next billing cycle following the change (\xe2\x80\x9cChange\nDate\xe2\x80\x9d). Increases or decreases in the Interest Rate will result in like increases or decreases in the Finance\nCharge and will affect the amount of your regularly scheduled payments that you will be required to make. An\nincrease in the Index will result in an increase in your regularly scheduled payment amount.\nThere is no limit on the amount by which the annual percentage rate can change on any Change Date other\nthan the maximum Annual Percentage Rate. The maximum ANNUAL PERCENTAGE RATE that can apply\nis 18%.\n\nCopyright 2011 ConmarSystems, Peachtree City, GA 30269 \xe2\x80\x93 EFORM 18809-2\n\nOTHER CHARGES: The following other charges (fees) will be added to your Account, as applicable:\na) Card Replacement Fee: You will be charged $5.00 for each replacement card that is issued to you for\nany reason;\nb) Document Copy Fee: You will be charged $5.00 for each copy of a sales draft or statement that you\nrequest (except when the request is made in connection with a billing error made by the credit union);\nc) Rush Fee: $50.00 if you request a card faster than our normal processing time;\nd) Pay By Phone Fee: $4.00 if you make a payment by telephone and request the payment be processed\nfaster than our normal processing time.\nLATE CHARGE: If your payment is 10 or more days late you will be charged $25.00.\nMONTHLY PAYMENTS: Each payment you make on the account will restore your credit limit by the amount\nof the payment that is applied to the outstanding principal of the purchases, cash advance and balance\ntransfer features of your account. At any time, if your total new balance exceeds your credit limit, you must\nimmediately pay the amount that exceeds your credit limit.\nA PAYMENT IS REQUIRED EACH MONTH: You must pay at least the minimum payment shown on your\nstatement by the date specified on your monthly statement. You can repay any outstanding balance prior to\nmaturity in whole or in part at your option without penalty. Your monthly payment must be made directly to the\naddress shown on your statement. If available, you may have your minimum payment automatically deducted\nfrom your checking or savings account.\nThe minimum periodic payment required for your Visa Platinum Account will be 2% of your total new balance\nor $25.00, whichever is greater, unless your outstanding balance is less than $25.00, in which case your\nminimum payment will be your outstanding balance. Any portion of minimum payments shown on prior\nstatements which remain unpaid, any amounts by which you exceed your credit limit, and any other\napplicable charges will also be added to your required minimum monthly payment.\nSubject to applicable law, your payments may be applied to what you owe the Credit Union in any manner the\nCredit Union chooses. However, in every case, in the event you make a payment in excess of the required\nminimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nhighest annual percentage rate and any remaining portion to the other balances in descending order based\non applicable annual percentage rate. You understand that any payment that delays the repayment of Your\nunpaid balance will increase Your Finance Charge and any payment that accelerates the reduction of Your\nunpaid balance will decrease Your Finance Charges.\nCREDIT BALANCES: If there is a credit balance due you, you may request in writing a full refund of this\ncredit balance at our address shown in this Agreement.\nSECURITY: You grant us a security interest under the Uniform Commercial Code and under any common law\nrights the Credit Union may have in any goods you purchase. If you give the Credit Union a specific pledge of\nshares by signing a separate pledge of shares, your pledged shares will secure your account. You may not\nwithdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to\nrelease all or part of the pledged amount.\nCONSENSUAL SECURITY INTEREST. To secure repayment of amounts you owe on your Account,\nyou give the Credit Union a consensual security interest in all other shares you have in any\nindividual or joint accounts you have with the Credit Union, now and in the future (other than those\naccounts that would have an adverse tax consequence if pledged as collateral). These other shares\nmay be withdrawn unless you are in default under this agreement. You authorize the Credit Union to\napply the balance in your individual or joint share accounts to pay any amounts due on your\nAccount if you should default.\nCROSS-COLLATERAL: If you have other loans with us, or take out other loans with us in the future,\ncollateral securing those loans (other than household goods or any dwelling) will also secure your obligations\nunder this Agreement if those other agreements indicate that they may secure other obligations you may\nhave with us.\nDEFAULT: You will be in default: (1) if you fail to make any minimum payment or other required payment\nby the date that it is due, (2) if you break any promise you make under this Agreement, (3) if you die, file\nfor bankruptcy or become insolvent, that is, unable to pay your obligations when they become due, (4) if\nany attachment or garnishment proceedings are initiated against you or your property, (5) if you default on\nany other indebtedness to the Credit Union, (6) if you make any false or misleading statement in any credit\napplication or credit update, (7) if something happens that the Credit Union believes may substantially\nreduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full\naccount balance without notice. If immediate payment is demanded, you will continue to pay Finance\nCharges, at the periodic rate charged before default, until what you owe has been paid, and any\nshares that were given as security will be applied towards what you owe.\nIf collections efforts are required by the Credit Union, you agree to pay all costs and expenses incurred in the\ncollection of any sum due, and in addition, if the holder hereof, after default, shall place this Agreement in the\nhands of an attorney or collection agency, for collection, to pay reasonable attorneys\xe2\x80\x99 fees, interest and fees\ndue on this Agreement at the time of the employment of such attorney or collection agency.\nCREDIT INFORMATION: You understand that the Credit Union will review your accounts periodically, and you\nhereby give your permission to and authorize the Credit Union to investigate and reassess your\ncreditworthiness. You authorize the Credit Union to obtain information concerning your credit history from all\navailable sources now and in the future. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing.\nLIABILITY FOR UNAUTHORIZED USE/LOSS OR THEFT: If you notice the loss or theft of your credit card or a\npossible unauthorized use of your card, you should write to us immediately at 18540 Northwest Freeway,\nHouston, TX 77065, or call us at 832-604-4848 twenty-four (24) hours a day, seven (7) days a week. You will\nnot be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for\nunauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50.00.\nMERCHANT DISPUTES: The Credit Union is not responsible for the refusal of any merchant or financial\ninstitution to honor the card. Please refer to the section titled \xe2\x80\x9cYour Billing Rights\xe2\x80\x9d for more information\nRETURNS AND ADJUSTMENTS: Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your\naccount. If your credits and payments exceed what you owe the Credit Union, the amount will be applied\nagainst future purchases and cash advances. If the credit balance amount is $1.00 or more, it will be\nrefunded upon your written request or automatically after six (6) months.\nCHANGING OR TERMINATING YOUR ACCOUNT: You agree that the Credit Union may change the terms of\nthis Agreement from time to time after giving you any advance notice required by law at your last known address.\nTo the extent the law permits, and indicated in the notice to you, the change will apply to your existing account\n\nPage 2 of 3\n\n\x0cbalance as well as to future transactions. Your use of the card after receiving notice or a change will also indicate\nyour agreement to the change.\nYou may request an increase in your credit limit either by written application or by phone. The Credit Union has\nthe right to reduce or terminate your credit limit at any time. You understand and acknowledge that such action\nshall not affect your obligation to pay any outstanding balance PLUS any finance and other charges you owe\nunder this Agreement. Accounts that have been inactive for one (1) year may be subject to termination at the\nrenewal date. The card(s) you receive remain the property of the Credit Union and you must recover and\nsurrender to the Credit Union ALL cards upon request or upon termination of this Agreement whether by you or\nthe Credit Union.\nFOREIGN TRANSACTIONS: Purchases and cash advances made in foreign currencies will be debited from\nyour account in U.S. dollars. The currency conversion rate used to determine the transaction amount in US\ndollars is either a rate selected by VISA from the range of rates available in wholesale currency markets for\nthe applicable central processing date, which rate may vary from the rate VISA itself receives, or the\ngovernment-mandated rate in effect for the applicable central processing date, plus 1 percent of the\ntransaction amount, which may be billed separately on your account or included in the transaction amount.\nThis 1% adjustment is made for all international transactions regardless of whether there is a currency\nconversion associated with the transaction. The conversion rate in effect on the processing date may differ\nfrom the rate in effect on the transaction date or posting date.\nEFFECT OF AGREEMENT/WAIVER: This Agreement is the contract which applies to all transactions on your\naccount even though the sales, cash advances, credit or other slips you sign or receive may contain different terms.\nThe Credit Union can delay enforcing any of its rights any number of times without losing them. Each provision of this\nagreement must be considered as part of the total agreement and cannot in any way be severed from it. However,\nyou also agree that should any part of this agreement be found invalid, it will in no way affect the remainder of the\nagreement.\nSTATEMENT AND NOTICES: You will receive a statement each month showing transactions on your account.\nYou are responsible for your minimum monthly payment even in the event your statement is late or returned to\nthe Credit Union. Statements and notices will be mailed to you at the most recent address you have given the\nCredit Union. Notice to any one of you will be considered notice to all.\nGOVERNING LAW: Except to the extent that Federal Law is applicable, the laws of the state in which this\ndocument is written shall govern the validity, construction and enforcement of this Agreement and all\nmatters arising out of the issuance and use of the Card.\n\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at:\nEnergy Capital Credit Union\n18540 Northwest Freeway\nHouston, TX 77065\nYou may also contact us on the Web: www.eccu.net\nIn your letter, give us the following information:\n\xef\x82\xb7 Account information: Your name and account number.\n\xef\x82\xb7 Dollar amount: The dollar amount of the suspected error.\n\xef\x82\xb7 Description of problem: If you think there is an error on your bill, describe what you believe is wrong\nand why you believe it is a mistake.\nYou must contact us:\n\xef\x82\xb7 Within 60 days after the error appeared on your statement.\n\xef\x82\xb7 At least 3 business days before an automated payment is scheduled, if you want to stop payment on\nthe amount you think is wrong.\nYou must notify us of any potential errors in writing [or electronically]. You may call us, but if you do we are\nnot required to investigate any potential errors and you may have 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:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell\nyou if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain why we believe the\nbill was correct.\nWhile we investigate whether or not there has been an error:\n\xef\x82\xb7 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x82\xb7 The charge in question may remain on your statement, and we may continue to charge you interest\non that amount.\n\xef\x82\xb7 While you do not have to pay the amount in question, you are responsible for the remainder of your\nbalance.\n\xef\x82\xb7 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xef\x82\xb7 If we made a mistake: You will not have to pay the amount in question or any interest or other fees\nrelated to that amount.\n\xef\x82\xb7 If we do not believe there was a mistake: You will have to pay the amount in question, along with\napplicable interest and fees. We will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do 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\nthat you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you\nare questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those\norganizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question\neven if your bill is correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have\ntried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining\namount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing\naddress, and the purchase price must have been more than $50. (Note: Neither of these are necessary if\nyour purchase was based on an advertisement we mailed to you, or if we own the company that sold you the\ngoods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an\nATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing [or\nelectronically] at:\nEnergy Capital Credit Union\n18540 Northwest Freeway\nHouston, TX 77065\nwww.eccu.net\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our\ninvestigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay,\nwe may report you as delinquent.\n\nSIGNATURES\nBy signing below you agree to be bound by the Terms and Conditions of this Agreement. You acknowledge that you have received a completely filled-in copy of this Agreement, that you have\nread it, and that you understand it.\nCONSENSUAL SECURITY INTEREST. You further acknowledge and agree that you give the Credit Union a consensual security interest in the shares you have in all individual and\njoint accounts you have with the Credit Union, now and in the future (other than those accounts that would have an adverse tax consequence if pledged as collateral), to secure\nrepayment of amounts you owe to the extent of any unpaid balance on your Account.\n\nX\nBorrower Signature\n\nCopyright 2011 ConmarSystems, Peachtree City, GA 30269 \xe2\x80\x93 EFORM 18809-2\n\nX\nDate\n\nCo-Borrower Signature\n\nDate\n\nPage 3 of 3\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\n\nVISA PLATINUM / PLATINUM REWARDS\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum\n\n0.00%\n\nIntroductory APR for twelve months from account opening.\n\n7.65% to 17.95%\n\nAfter that, your APR will be\n, based on\nyour creditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa platinum Rewards\n\n0.00%\n\nIntroductory APR for twelve months from account opening.\n\n9.65% to 12.95%\n\nAPR for Balance Transfers\n\nAfter that, your APR will be\n, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum\n0.00% Introductory APR for twelve months from account opening.\nAfter that, your APR will be 7.65% to 17.95%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa platinum Rewards\n0.00% Introductory APR for twelve months from account opening.\n\nAPR for Cash Advances\n\nAfter that, your APR will be 9.65% to 12.95%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum\n14.95% to 17.95%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa platinum Rewards\n14.95%\nThis APR will vary with the market based on the Prime Rate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03202928-MXC10-C-1-090517 (MXC101-E)\n\n\x0cPenalty APR and When it Applies\n\nVisa Platinum\n17.95%\nVisa platinum Rewards\n17.95%\nThis APR may be applied to your account if you:\n- Make a late payment.\nHow Long Will the Penalty APR Apply? If your APRs are increased for\nthis reason, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\n\nHow to Avoid Paying Interest on\nPurchases\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nAnnual Fee\n- Annual Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nYour due date is at least 28 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nNone\nNone\nNone\n1.00% of each transaction in U.S. dollars\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nLoss of Introductory APR:\nWe may end your Introductory APR for purchases and balance transfers and apply the Penalty APR if you are one day\nlate in making a payment.\nApplication of Penalty APR:\nYour APR may be increased to the disclosed Penalty APR if you are 60 days late in making a payment.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: November 1, 2018\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Platinum and Visa platinum Rewards are secured credit cards. Credit extended\nunder this credit card account is secured by various personal property and money including, but not limited to:\n(a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this\naccount on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit\nUnion excluding shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union\nexcluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when\nyou are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03202928-MXC10-C-1-090517 (MXC101-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are six or more days late in making a\npayment.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nReturned Convenience Check Fee:\n$25.00 or the amount of the returned convenience check, whichever is less.\nCard Replacement Fee:\n$10.00.\nRush Fee:\n$50.00.\nStatement Copy Fee:\n$5.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n03202928-MXC10-C-1-090517 (MXC101-E)\n\n\x0c'


b'718 Central Avenue\nCharlotte, NC 28204-2024\nToll Free: 888.633.2628\n\nCONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA PLATINUM/VISA PLATINUM REWARDS\n\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Charlotte METRO Federal Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and\n\xe2\x80\x9cYours\xe2\x80\x9d refers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and\nanyone You authorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access\ndevices, duplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account"\nmeans the line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a balance transfer. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n03202928-MXC30-P-1-111417 (MXC303-E)\n\n\x0caccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases and balance transfers on\nthe date the transaction is posted to Your Account. We will begin charging You interest on cash advances on the date of\nthe transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later\n(transaction date). However, We will not charge You any interest on new purchases or balance transfers if Your Account\nhad a zero or credit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous\ncycle\'s billing statement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance\nof purchases or balance transfers, You must pay the entire new balance on the billing statement by the Payment Due\nDate of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\nPage 2 of 6\n03202928-MXC30-P-1-111417 (MXC303-E)\n\n\x0c8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at 718 Central Ave.,\nCharlotte, NC, 28204 or call Us at (888) 633-2628, Monday through Friday 8:00 a.m. to 6:00 p.m. EST or (800) 682-6075,\nseven days a week after business hours.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nPage 3 of 6\n03202928-MXC30-P-1-111417 (MXC303-E)\n\n\x0c14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nNorth Carolina.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n\nPage 4 of 6\n03202928-MXC30-P-1-111417 (MXC303-E)\n\n\x0c29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n03202928-MXC30-P-1-111417 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n03202928-MXC30-P-1-111417 (MXC303-E)\n\n\x0c'