b'Account Opening Disclosures\nSupplement to Credit Card Agreement for VISA Platinum Cash Rewards Accounts\nEducation Credit Union\nInterest Rates and Interest Charges Actual\npricing will vary from one cardholder to another\n\nAnnual Percentage Rate (APR)\nfor "Purchases\nAnnual Percentage Rate (APR)\nfor Balance Transfers\n\nAnnual Percentage Rate\n(APR) for Cash Advances\nPenalty APR and When it Applies\n\n9.24% - 17.75%\n\nbased on your credit worthiness.\nThis APR will vary with the market based on the Prime Rate.\n\n9.24% - 17.75%\n\nbased on your credit worthiness.\nThis APR will vary with the market based on the Prime Rate.\n\n17.75%\n17.75%\nThis APR may be applied to all advances for your account if you:\n1)\n\nMake a late payment\n\nHow Long Will the Penalty APR Apply?: If your APR is increased for this\nreason, the Penalty APR will apply until you make six consecutive minimum\npayments when due.\n\nHow to Avoid Paying\nInterest on Purchases\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\nFees\nAnnual Fee\nCash Advance\n\nTransaction Fees\n. Foreign Transaction\n\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you interest on purchases if you pay your entire\nbalance by the due date each month.\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nNone\nYou will be charged a Cash Advance Fee, per advance, of 2% of\nthe cash advance amount or $5.00, whichever is greater.\n\nUp to 1% of each transaction in U.S. dollars.\n\nPenalty Fees\n\n.\n\nLate Payment\n\nUp to $25 (If we do not receive your required Minimum Payment within 10 days of\nthe Payment Due Date, you may be charged a Late Payment Fee of your\nMinimum monthly payment or $25, whichever is less.)\n\n.\n\nReturned Payment\n\n$24 (If any payment made on your Account is returned unpaid for any reason, you\nwill be charged a Returned Payment Fee or the amount equal to your required\nMinimum Payment, whichever is less. The Returned Payment Fee will apply when\nany payment is returned to us, even if the payment is honored upon\nresubmission.)\n\nOther Fees\n\n.\n\nEzPay (telephone\nassisted expedited\npayment service)\n\n$10\n\n.\n\nReplacement Card\n\n$7.50\n\n.\n\nRush Card Fee\n\n$50.00 (You will be charged a rush card fee if we have to rush production and\ndelivery of a new credit card)\n\n.\n\nRetrieval Fee\n\n$2.50 (You will be charged a retrieval fee if we have to retrieve a receipt from a\nmerchant or VISA on your behalf)\n\n.\n\nStatement Reprint Fee\n\n$2.00 (You will be charged a statement reprint fee for any additional statement\ncopies you need printed)\n\nConvenience Check\n\n.\n.\n.\n\nStop Payment\nCopy of Check\nNon-Sufficient Funds\n(insufficient credit\nlimit)\n\n$28 per check\n$20 per check\n$24 per return\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See below\nfor more details.\nLoss of Introductory APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided below.\nTruth in Lending Disclosures\nCOST OF CREDIT: You will pay an interest CHARGE for all advances made against your Account. Interest CHARGES for cash advances and balance\ntransfers begin to accrue on the date of the advance. New purchases will not incur an interest CHARGE on the date they are posted to your Account if you\nhave paid the Account in full by the Payment Due Date shown on your previous monthly statement, or if there was no previous balance.\nFor cash advances, the daily periodic rate is 0.048630% (17.75% ANNUAL PERCENTAGE RATE). The ANNUAL PERCENTAGE RATE for cash advances is\nnon-variable. For purchases and balance transfers, the daily periodic rate is 0.025315% - 0.048630% ( 9.24% - 17.75% ANNUAL PERCENTAGE RATE).\nThe ANNUAL PERCENTAGE RATE for purchases (including balance transfers) is variable and may increase. Unless an Introductory rate is in effect, the\nperiodic rate used to compute the INTEREST CHARGE for purchases is based on an index (the \xe2\x80\x9cIndex\xe2\x80\x9d), which is the Prime Rate as published in the Money\nRates section of The Wall Street Journal on the 10th day of the month and is subject to change monthly on the first day of each month.\n\n\x0cAny change in the Index will be effective on the first day of the billing cycle that ends on or after the date of the change. An increase in the Index will result in an\nincrease in the daily periodic rate, which in turn, may result in higher payments. We will add a margin of 3.99%, 5.99%, or 7.99% to the Index to determine the\npurchases ANNUAL PERCENTAGE RATE or a maximum margin plus prime in order for the rate to equal 17.75%, based on certain credit worthiness criteria.\nThe purchases ANNUAL PERCENTAGE RATE is subject to change in the future based on changes in the Index. The daily periodic rate for purchases and cash\nadvances will never be greater than 0.048630% (17.75% ANNUAL PERCENTAGE RATE). The ANNUAL PERCENTAGE RATE set forth in this paragraph are\nreferred to as the \xe2\x80\x9cStandard Rates.\xe2\x80\x9d\nIn addition to the variable-rate aspects of the Account for purchases, the ANNUAL PERCENTAGE RATE for purchases is also based on certain credit\nworthiness criteria. After your Account has been open for at least one year, we may review your creditworthiness from time to time, including when you request\na credit limit increase, and adjust your Standard Rate daily periodic rate and corresponding ANNUAL PERCENTAGE RATE for purchases by notifying you in\naccordance with applicable law. If your Standard Rate ANNUAL PERCENTAGE RATE for purchases is adjusted based on your credit worthiness, the margin\nused for calculating rate changes due to changes in the Index will be adjusted. Any ANNUAL PERCENTAGE RATE changes to your Account due to changes in\nyour credit worthiness will only affect new purchase balances beginning on the effective date of the change; existing purchase balances will continue to be\nsubject to the ANNUAL PERCENTAGE RATE in effect before the date of the change until those balances are paid in full.\nThe INTEREST CHARGE is determined by applying the applicable daily periodic rate to the Average Daily Balance of your Account for each feature category,\nincluding certain current transactions. Feature categories include purchases, balance transfers, and cash advances. The Average Daily Balance is arrived at by\ntaking the beginning balance of each feature category each day and adding any new transactions to the balance, except if you have paid your Account in full by\nthe Payment Due Date shown on the previous monthly statement or there is no previous balance, new purchases are not added to the purchases balance.\nBalance transfers may be shown on your statement in the Promotions feature category. When determining balances, we may combine feature category\nbalances that have the same periodic rate and other INTEREST CHARGE terms. We then subtract any payments or credits and unpaid INTEREST CHARGES\nallocated to the feature category balance for the day. This gives us the daily balance for the feature category. The daily balances for each feature category are\nthen added together and divided by the number of days in the billing cycle. The result is the Average Daily Balance for each feature category. The periodic\nINTEREST CHARGE is determined by multiplying each feature category Average Daily Balance by the number of days in the billing cycle and applying the\napplicable daily periodic rate to the product. The total INTEREST CHARGE for each statement period is the sum of the periodic INTEREST CHARGES for each\nfeature category.\nlf at any time a required minimum payment is three or more billing cycles past due, the ANNUAL PERCENTAGE RATE for all advances may be increased to a\nPenalty Rate daily periodic rate of 0.048630% (17.75% ANNUAL PERCENTAGE RATE). After the Penalty Rate becomes effective, it will apply both to current\nand new balances and it may remain in effect indefinitely. lf your minimum payments are made as required for six (6) consecutive months starting on or after the\nfirst payment due following the Penalty Rate effective date the Standard Rales for your Account will be restored.\nNo additional Interest CHARGES will be imposed on new purchases shown on your statement if the New Balance shown on the statement is paid in full by the\nPayment Due Date reflected on the statement. The Payment Due Date is not less than 25 days from the billing cycle closing date shown on your statement.\nMILITARY LENDING ACT DISCLOSURE: The following disclosure applies to persons covered by the Military Lending Act-other governmental programs and\nlaws may also govern or apply to this transaction but are not described in the following disclosure. The following disclosure is required by the Military Lending\nAct.\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost\nof consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include,\nas applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for ancillary products sold in connection with the\ncredit transaction; any application fee charged (other than credit application fees for specified credit transactions or accounts); and any participation fee charged\n(other than certain participation fees for a credit card account).\nMINIMUM PAYMENT: Minimum payment amount is $18.00 or 3.00% of the outstanding balance, whichever is greater.\nThe information about the cost of the card described in this application is accurate as of 4/1/2019\n. The information may have changed after that date. To\nfind out what may have changes, call us at (800)687-8144 or write us at Education Credit Union, 4400 W. Interstate 40, Amarillo, Tx 79106-5940.\n\n\x0c'


b'Account Opening Disclosures\nSupplement to Credit Card Agreement for VISA Platinum Accounts\nEducation Credit Union\n\nInterest Rates and Interest Charges\nActual pricing will vary from one cardholder to another\nAnnual Percentage Rate (APR)\nintroductory APR for six months\nfor Purchases\nAfter that, your APR will be\nAnnual Percentage Rate (APR)\nintroductory APR for six months\nfor Balance Transfers\nAfter that, your APR will be\nAnnual Percentage Rate (APR)\nintroductory APR for six months\nfor Cash Advances\nAfter that, your APR will be\n\n6.95%\n\n10.95%\n\n6.95%\n\n10.95%\n\n6.95%\n\n10.95%\n\nPenalty APR and When it Applies\n\n17.75%\n\nThis APR may be applied to all advances for your account if you:\n1)\n\nHow to Avoid Paying\nInterest on Purchases\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nFees\nAnnual Fee\nCash Advance\nTransactions Fees\n. Foreign Transaction\n\nMake a late payment\n\nHow Long Will the Penalty APR Apply?: If your APR is\nincreased for this reason, the Penalty APR will apply until you\nmake six consecutive minimum payments when due.\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you interest on purchases if you pay your entire\nbalance by the due date each month. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\nNone\nYou will be charged a Cash Advance Fee, per advance, of 2% of\nthe cash advance amount or $5.00, whichever is greater.\n\nUp to 1% of each transaction in U.S. dollars.\n\nPenalty Fees\n\n.\n\nLate Payment\n\n.\n\nUp to $25 (If we do not receive your required Minimum Payment within 10 days of\nthe Payment Due Date, you may be charged a Late Payment Fee of your\nMinimum monthly payment or $25, whichever is less.)\n\nReturned Payment\n\n$24 (If any payment made on your Account is returned unpaid for any reason, you\nwill be charged a Returned Payment Fee or the amount equal to your required\nMinimum Payment, whichever is less. The Returned Payment Fee will apply when\nany payment is returned to us, even if the payment is honored upon\nresubmission.)\n\nOther Fees\n\n.\n\nEzPay (telephone assisted\nexpedited payment service)\n\n$10\n\n.\n\nReplacement Card\n\n$7.50\n\n.\n\nRush Card Fee\n\n$50.00 (You will be charged a rush card fee if we have to rush production and\ndelivery of a new credit card)\n\n.\n\nRetrieval Fee\n\n$2.50 (You will be charged a retrieval fee if we have to retrieve a receipt from a\nmerchant or VISA on your behalf)\n\n.\n\nStatement Reprint Fee\n\n$2.00 (You will be charged a statement reprint fee for any additional statement\ncopies you need printed)\n\nConvenience Check\n\n.\n.\n.\n\nStop Payment\nCopy of Check\nNon-Sufficient Funds\n(insufficient credit limit)\n\n$28 per check\n$20 per check\n$24 per return\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See below\nfor more details.\nLOSS OF INTRODUCTORY APR: We may end your introductory APR and apply the Penalty APR if you make a late payment.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided below.\nTruth in Lending Disclosures\nCOST OF CREDIT: You will pay an Interest CHARGE for all advances made against your Account. Interest CHARGES for cash advances and balance\ntransfers begin to accrue on the date of the advance. New purchases will not incur an Interest CHARGE on the date they are posted to your Account if you\nhave paid the Account in full by the Payment Due Date shown on your previous monthly statement, or if there was no previous balance.\nFor the first six billing cycles of your Account, you will pay an Introductory Rate INTEREST CHARGE for all advances at the Introductory Rate daily\nperiodic rate of .019041% (6.95% ANNUAL PERCENTAGE RATE). After the introductory rate period, the daily periodic rate for all advances will\nbe .030000% (10.95% ANNUAL PERCENTAGE RATE (the \xe2\x80\x9cStandard Rate\xe2\x80\x9d).\n\nIf at any time a required minimum payment is three or more billing cycles past due, the ANNUAL PERCENTAGE RATE for all advances may be increased to\na Penalty Rate daily periodic rate of .048630% (17.75% ANNUAL PERCENTAGE RATE). After the Penalty Rate becomes effective, it will apply both to\ncurrent and new balances and it may remain in effect indefinitely. If your minimum payments are made as required for six consecutive months starting on or\nafter the next payment due following the Penalty Rate effective date, the Standard Rates for your Account will be restored.\n\n\x0cThe INTEREST CHARGE is determined by applying the applicable daily periodic rate to the Average Daily Balance of your Account for each feature\ncategory, including certain current transactions. Feature categories include purchases, balance transfers, and cash advances. The Average Daily\nBalance is arrived at by taking the beginning balance of each feature category each day and adding any new transactions to the balance, except if\nyou have paid your Account in full by the Payment Due Date shown on the previous monthly statement or there is no previous balance, new\npurchases are not added to the purchases balance. Balance transfers may be shown on your statement in the Promotions feature category. When\ndetermining balances, we may combine feature category balances that have the same periodic rate and other INTEREST CHARGE terms. We then\nsubtract any payments or credits and unpaid INTEREST CHARGES allocated to the feature category balance for the day. This gives us the daily\nbalance for the feature category. The daily balances for each feature category are then added together and divided by the number of days in the\nbilling cycle. The result is the Average Daily Balance for each feature category. The periodic INTEREST CHARGE is determined by multiplying each\nfeature category Average Daily Balance by the number of days in the billing cycle and applying the applicable daily periodic rate to the product. The\ntotal INTEREST CHARGE for each statement period is the sum of the periodic INTEREST CHARGES for each feature category.\nNo additional Interest CHARGES will be imposed on new purchases shown on your statement if the New Balance shown on the statement is paid in\nfull by the Payment Due Date reflected on the statement. The Payment Due Date is not less than 25 days from the billing cycle closing date shown\non your statement.\nMILITARY LENDING ACT DISCLOSURE: The following disclosure applies to persons covered by the Military Lending Act-other governmental\nprograms and laws may also govern or apply to this transaction but are not described in the following disclosure. The following disclosure is required\nby the Military Lending Act.\nFederal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In\ngeneral, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums; fees for\nancillary products sold in connection with the credit transaction; any application fee charged (other than credit application fees for specified credit\ntransactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account).\nMINIMUM PAYMENT: Minimum payment amount is $18.00 or 3.00% of the outstanding balance, whichever is greater.\nThe information about the cost of the card described in this application is accurate as of 7/9/2019\n. The information may have changed after that\ndate. To find out what may have changes, call us at (800)687-8144 or write us at Education Credit Union, 4400 W. Interstate 40, Amarillo, Tx 791065940.\n\n\x0c'


b'VISA CLASSIC PLATINUM\nF1\nCREDIT CARD ACCOUNT OPENING DISCLOSURE\n\xc2\xae\n\nThis Disclosure is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement.\nPlease keep this attached to your LOANLINER Consumer Credit Card Agreement.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nSet-up and Maintenance Fees\n- Annual Fee\n- Account Set-up Fee\n- Program Fee\n- Participation Fee\n- Additional Card Fee\n- Application Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\n14.88%\nF2\n14.88%\nF3\n14.88%\nF4\nNone\nF5\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. We will begin charging interest on\nbalance transfers and cash advances on the transaction date.\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 http://www.consumerfinance.gov/learnmore.\n\nNone\nF6\nNone\nF7\nNone\nF8\nNone\nF9\nNone\nF10\nNone\nF11\n\nNone\nF12\n3.00%\nF13\n1.00%\nF14\nNone\nF15\n\nof the amount of each cash advance\nof each transaction in U.S. dollars\n\nUp to $20.00\nF16\nUp to $25.00\nF17\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\nStatement Copy Fee\nDocument Copy Fee\nRush Fee\nEmergency Card Replacement Fee\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nF18\nor the amount of the required minimum payment, whichever\n$20.00\nis less, if you are five or more days late in making a payment.\nF19\nor the amount of the required minimum payment, whichever\n$25.00\nis less.\nF20\n$5.00\nF21\n$5.00\nF22\n$25.00\nF23\n$165.00\n\n02100681-MXC45-P-1-101315 (MXC453 CCM003)-e\n\nSEE NEXT PAGE for more important information about your account.\n\n\x0cPIN Replacement Fee\nCard Replacement Fee\nExpress Shipping Fee\n\nF24\n$5.00\nF25\n$10.00\nF26\n$25.00\n\nCollection Costs: You promise to pay all costs of collecting the amount you owe under this Agreement to the extent\npermitted by state law.\nPeriodic Rates:\nThe Purchase APR is 14.88%\nF27\nwhich is a daily periodic rate of 0.0413%\nF28\n.\nThe Balance Transfer APR is 14.88%\nF29\nwhich is a daily periodic rate of 0.0413%\nF30\n.\nThe Cash Advance APR is 14.88%\nF31\nwhich is a daily periodic rate of 0.0413%\nF32\n.\n\n02100681-MXC45-P-1-101315 (MXC453 CCM003)-e\n\n\x0c'


b'VISA PLATINUM\nF1\nCREDIT CARD ACCOUNT OPENING DISCLOSURE\nThis Addendum is incorporated into and becomes part of your LOANLINER\xc2\xae Consumer Credit Card Agreement.\nPlease keep this attached to your LOANLINER\xc2\xae Consumer Credit Card Agreement.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nF2\n7.50%\n\nThis APR will vary with the market based on the Prime Rate.\nF3\n7.50%\nThis APR will vary with the market based on the Prime Rate.\nF4\n7.50%\nThis APR will vary with the market based on the Prime Rate.\nF5\nNone\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. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\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 http://www.consumerfinance.gov/learnmore.\n\nFees\nSet-up and Maintenance Fees\n- Annual Fee\nF6\nNone\n- Account Set-up Fee\nF7\nNone\n- Program Fee\nF8\nNone\n- Participation Fee\nF9\nNone\n- Additional Card Fee\nF10\nNone\n- Application Fee\nF11\nNone\nTransaction Fees\n- Balance Transfer Fee\nF12\nNone\n- Cash Advance Fee\nF13\nof the amount of each cash advance\n3.00%\n- Foreign Transaction Fee\nF14\nof each transaction in U.S. dollars\n1.00%\n- Transaction Fee for Purchases\nF15\nNone\nPenalty Fees\n- Late Payment Fee\nUp to F16\n$20.00\n- Returned Payment Fee\nUp to F17\n$25.00\nHow We Will Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See\nyour account Agreement for more details.\nBilling Rights. Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nOTHER DISCLOSURES\nLate Payment Fee\nF18\nor the amount of the required minimum payment, whichever\n$20.00\nis less, if you are five (5) or more days late in making a payment.\nReturned Payment Fee\nF19\nor the amount of the required minimum payment, whichever\n$25.00\nis less.\nStatement Copy Fee\nF20\n$5.00\nDocument Copy Fee\nF21\n$5.00\nRush Fee\nF22\n$25.00\nEmergency Card Replacement Fee\nF23\n$165.00\nPIN Replacement Fee\nF24\n$5.00\nCard Replacement Fee\nF25\n$5.00\nExpress Shipping Fee\nF26\n$25.00\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nDMIGF2 (MXC452 CCM002)-e\n\nSEE BACK OF PAGE for more important information about your account.\n\n\x0cCollection Costs. You promise to pay all costs of collecting the amount you owe under this Agreement to the extent\npermitted by state law.\nPeriodic Rates.\nThe Purchase APR is F27\nwhich is a daily periodic rate of F28\n7.50%\n0.0208%.\nThe Balance Transfer APR is F29\nwhich is a daily periodic rate of F30\n7.50%\n0.0208%.\nThe Cash Advance APR is F31\nwhich is a daily periodic rate of F32\n7.50%\n0.0208%.\nVariable Rate.\nThe ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle quarterly to reflect any\nchange in the Index and will be determined by the Prime Rate on the first day of each quarter (January, April, July,\nOctober) of each year as published in The Wall Street Journal "Money Rates" table to which we add a margin. The\nANNUAL PERCENTAGE RATE will never be greater than 18.00%. Any increase in the ANNUAL PERCENTAGE RATE\nwill take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer\navailable, the Credit Union will choose a new index which is based upon comparable information.\nMargin.\nPurchases will be charged at F33\nabove the Index.\n4.00%\nBalance transfers will be charged at F34\nabove the Index.\n4.00%\nCash advances will be charged at F35\nabove the Index.\n4.00%\n\nDMIGF2 (MXC452 CCM002)-e\n\n\x0c'


b'VISA CARD\nCONSUMER CREDIT CARD AGREEMENT\nIn this Agreement, \xe2\x80\x9cAgreement\xe2\x80\x9d means this Consumer Credit Card Agreement. \xe2\x80\x9cDisclosure\xe2\x80\x9d means the Credit Card\nAccount Opening Disclosure. The Account Opening Disclosure is incorporated into this Consumer Credit Card Agreement\nand is part of the Agreement. In this Agreement the words "you," \xe2\x80\x9cyour,\xe2\x80\x9d and "yours" mean each and all of those who\nagree to be bound by this Agreement; "card" means the Visa credit card and any duplicates, renewals, or substitutions the\nCredit Union issues to you; "account" means your Visa credit card line-of-credit account with the Credit Union; and "Credit\nUnion" means the Credit Union whose name appears on this Agreement or anyone to whom the Credit Union transfers\nthis Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 If you are approved for an account, the Credit Union will establish a line of credit for you.\nYou agree that your credit limit is the maximum amount (purchases, cash advances, finance charges, plus "other\ncharges") which you will have outstanding on your account at any time. Unless disclosed otherwise, the Credit Union will\nnot allow advances over the credit limit. If the Credit Union has a program whereby it allows payment of advances that\nexceed your credit limit, subject to a fee, the Credit Union will provide you with notice, either orally, in writing, or\nelectronically (notwithstanding the requirements of the paragraph entitled \xe2\x80\x9cStatements and Notices\xe2\x80\x9d) explaining your right\nto opt in to the Credit Union\xe2\x80\x99s program whereby it will honor advance requests over the credit limit. In the event you opt in\nto such a program, you agree to the terms of such a program. You may request an increase in your credit limit only by a\nmethod acceptable to the Credit Union. The Credit Union may increase or decrease your credit limit, refuse to make an\nadvance and/or terminate your account at any time for any reason not prohibited by law. If you are permitted to obtain\ncash advances on your account, we may, from time to time, issue convenience checks to you that may be drawn on your\naccount. Convenience checks may not be used to make a payment on your account balance. If you use a convenience\ncheck, it will be posted to your account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on your account for any reason and such refusal shall not constitute wrongful dishonor.\nYou may request that we stop the payment of a convenience check drawn on your account. You agree to pay any fee\nimposed to stop a payment on a convenience check issued on your account. You may make a stop payment request\norally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of the\ncheck for payment to give us a reasonable opportunity to act on your request. In addition, your request must accurately\ndescribe the check including the exact account number, the payee, any check number that may be applicable, and the\nexact amount of the check. If permitted, you may make a stop payment request orally but such a request will expire after\n14 days unless you confirm your request in writing within that time. Written stop payment orders are effective only for six\nmonths and may be renewed for additional six month periods by requesting in writing that the stop payment order be\nrenewed. We are not required to notify you when a stop payment order expires. If we re-credit your account after paying a\ncheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the\npayee, to assign to us all of your rights against the payee or other holders of the check or draft and to assist us in any\nlegal action. You agree to indemnify and hold us harmless from all costs and expenses, including attorney\'s fees,\ndamages, or claims, related to our honoring your stop payment request or in failing to stop payment of an item as a result\nof incorrect information provided to us or the giving of inadequate time to act upon a stop payment request.\n2. USING YOUR CARD \xe2\x80\x94 You understand that the use of your credit card or credit card account will constitute\nacknowledgement of receipt and agreement to the terms of the Credit Card Agreement and Credit Card Account Opening\nDisclosure (Disclosure). You may use your card to make purchases from merchants and others who accept your card.\nThe credit union is not responsible for the refusal of any merchant or financial institution to honor your card. If you wish to\npay for goods or services over the Internet, you may be required to provide card number security information before you\nwill be permitted to complete the transaction. In addition, you may obtain cash advances from the Credit Union, from other\nfinancial institutions that accept your card, and from some automated teller machines (ATMs). (Not all ATMs accept your\ncard.) If the credit union authorizes ATM transactions with your card, it will issue you a personal identification number\n(PIN). To obtain cash advances from an ATM, you must use the PIN issued to you for use with your card. You agree that\nyou will not use your card for any transaction that is illegal under applicable federal, state, or local law. Even if you use\nyour card for an illegal transaction, you will be responsible for all amounts and charges incurred in connection with the\ntransaction. If you are permitted to obtain cash advances on your account, you may also use your card to purchase\ninstruments and engage in transactions that we consider the equivalent of cash. Such transactions will be posted to your\naccount as cash advances and include, but are not limited to, wire transfers, money orders, bets, lottery tickets, and\ncasino gaming chips, as applicable. This paragraph shall not be interpreted as permitting or authorizing any transaction\nthat is illegal.\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12, 14 All Rights Reserved\n\nDMIGE2 (MXC503 CCM004)-e\n\n\x0c3. PROMISE TO PAY \xe2\x80\x94 You promise to pay all charges (purchases, cash advances, balance transfers, use of\nconvenience checks or any other charge) made to your account by you or anyone you authorize to use your account. You\nalso promise to pay all finance charges and other charges added to your account under the terms of this Agreement or\nanother agreement you made with the Credit Union. If this is a joint account, the paragraph on JOINT ACCOUNTS also\napplies to your account.\n4. PERIODIC RATES \xe2\x80\x94 The periodic rates applicable to purchases, cash advances, and balance transfers are\ndisclosed on the Disclosure that accompanies this Agreement. Any penalty rate that may be imposed for failing to make a\npayment by the payment due date is also disclosed on the Disclosure. Any rate change will be made pursuant to\napplicable law. If the rate for your account is variable, as indicated on the accompanying Disclosure, the rate charged on\npurchases, cash advances, balance transfers and any penalty rate will vary periodically as disclosed in the Disclosure\naccompanying this Agreement. The initial rate on your account for certain types of transactions may be an introductory\ndiscounted rate (Introductory Rate) that is lower than the rate that would ordinarily apply for that type of transaction. If an\nIntroductory Rate applies to your account, the rates and the period of time it will be effective is shown on the Disclosure\naccompanying this Agreement. After the Introductory Rate period expires, the periodic rate will automatically increase to\nthe rates that would ordinarily apply for that type of transaction based on the terms of this Agreement.\n5. FINANCE CHARGES \xe2\x80\x94 New purchases posted to your account during a billing cycle will not incur a finance charge\nfor that billing cycle if you had a zero or credit balance at the beginning of that billing cycle, or you paid the entire new\nbalance on the previous cycle\'s billing statement by the payment due date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. To avoid an additional finance charge on the balance of\npurchases, you must pay the entire new balance on the billing statement by the payment due date of that statement. A\nfinance charge begins to accrue on cash advances from the date you get the cash advance or from the first day of the\nbilling cycle in which the cash advance is posted to your account, whichever is later (transaction date). To avoid an\nadditional finance charge on the balance of cash advances, you must pay the entire new balance on the billing statement\nby the payment due date of that statement.\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is\ncomputed by applying the periodic rate to the average daily balance of purchases. To calculate the average daily balance\nof purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. We then add all of the daily balances of\npurchases for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the periodic rate to the average daily balance of cash\nadvances. To calculate the average daily balance of cash advances, we take the beginning outstanding balance of cash\nadvances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. We then add all of the daily balances of cash\nadvances for the billing cycle together and divide the total by the number of days in the billing cycle. This gives us the\naverage daily balance of cash advances. Balance transfers are calculated in the same manner as cash advances.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from your\naccount in U.S. dollars. The exchange rate 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), calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash\nadvances and credits to your account. A foreign transaction is any transaction that you complete or a merchant completes\non your card outside of the United States, with the exception of U.S. military bases, U.S. territories, U.S. embassies or\nU.S. consulates. The Foreign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. FEES \xe2\x80\x94 In addition to the periodic rate, the following additional fees may be imposed on your account. If applicable to\nyour account, the fee amounts and explanations are disclosed on the Disclosure accompanying this Agreement. Your\naccount may also be subject to additional fees as set forth on the Disclosure accompanying this Agreement.\na. Annual Fee. If your account is subject to an Annual Fee, the fee will be charged to your account. The fee may be\ncharged each year until your account is closed and/or paid in full.\nb. Account Set-Up Fee. If your account is subject to an Account Set-up Fee, a fee will be charged when you apply for a\ncredit card account.\nc. Program Fee. If your account is subject to a Program Fee, a fee will be charged when you open an account as\ndescribed on the Disclosure accompanying this Agreement.\nd. Participation Fee. If your account is subject to a Participation Fee, a fee will be charged when you open an account\nas described on the Disclosure accompanying this Agreement.\nDMIGE2 (MXC503 CCM004)-e\n\n\x0ce. Additional Card Fee. If your account is subject to an Additional Card Fee, a fee will be charged for each additional\ncard issued to you at account opening.\nf. Application Fee. If your account is subject to an Application Fee, a fee will be charged when you apply for a credit\ncard account.\ng. Balance Transfer Fee (Finance Charge). If your account is subject to a Balance Transfer Fee (finance charge), the\nfee as disclosed on the Disclosure accompanying this Agreement will be charged to your account when you transfer a\nbalance from an account of another creditor to the account subject to this Agreement.\nh. Cash Advance Fee (Finance Charge). If your account is subject to a Cash Advance Fee (finance charge), the fee\nwill be charged to your account when you obtain a cash advance from an ATM, the Credit Union or other financial\ninstitution.\ni. Foreign Transaction Fee (Finance Charge). If your account is subject to a Foreign Transaction Fee (finance\ncharge), a fee may be charged to your account for transactions made outside of the United States or in a foreign currency.\nj. Transaction Fee for Purchases (Finance Charge). If your account is subject to a Transaction Fee for Purchases\n(finance charge), a fee will be charged to your account for purchases as disclosed on the Disclosure accompanying this\nAgreement.\nk. Late Payment Fee. If your account is subject to a Late Payment Fee, the fee will be charged to your account when\nyou do not make the required minimum payment by or within the number of days of the statement Payment Due Date set\nforth on the Disclosure accompanying this Agreement.\nl. Returned Payment Fee. If your account is subject to a Returned Payment Fee, the fee will be charged to your\naccount when a payment is returned for any reason.\nm. Statement Copy Fee. If your account is subject to a Statement Copy Fee, except as limited by applicable law and\nwhen the request is made in connection with a billing error made by the Credit Union, a fee may be charged to your\naccount for each copy of a sales draft or statement that you request.\nn. Document Copy Fee. If your account is subject to a Document Copy Fee, except as limited by applicable law, a fee\nmay be charged to your account for each copy of a sales draft or statement that you request (except when the request is\nmade in connection with a billing error made by the Credit Union).\no. Rush Fee. If your account is subject to a Rush Fee, except as limited by applicable law, a fee may be charged to your\naccount for each rush card that you request, providing delivery of the card is also available by standard mail service,\nwithout paying a fee for delivery.\np. Emergency Card Replacement Fee. If your account is subject to an Emergency Card Replacement Fee, a fee will\nbe charged to your account for each emergency replacement card that is issued to you.\nq. PIN Replacement Fee. If your account is subject to a PIN Replacement Fee, a fee will be charged to your account\nwhenever you request a new PIN number for your account.\nr. Card Replacement Fee. If your account is subject to a Card Replacement Fee, a fee will be charged for each\nreplacement card that is issued to you for any reason.\ns. Express Shipping Fee. If your account is subject to the Express Shipping Fee, a fee will be charged to your account\nas disclosed on the Disclosure accompanying this Agreement.\n8. PAYMENTS \xe2\x80\x94 Each month you must pay at least the minimum payment shown on your statement by the date\nspecified on the statement. You may pay more frequently, pay more than the minimum payment or pay the total new\nbalance in full. If you make extra or larger payments, you are still required to make at least the minimum payment each\nmonth your account has a balance (other than a credit balance). For our Visa Classic Platinum card, the minimum\npayment is 2.50% of your total new balance, or $10.00, whichever is greater, plus the amount of any prior minimum\npayments that you have not made, all outstanding unpaid fees and charges, and any amount you are over your credit limit\nby the date specified on the statement. For our Visa Platinum Plus card, the minimum payment is 2.50% of your total new\nbalance, or $10.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all\noutstanding unpaid fees and charges, and any amount you are over your credit limit by the date specified on the\nstatement. For our Visa Platinum card, the minimum payment is 2.50% of your total new balance, or $10.00, whichever is\ngreater, plus the amount of any prior minimum payments that you have not made, all outstanding unpaid fees and\ncharges, and any amount you are over your credit limit by the date specified on the statement. The Credit Union also has\nthe right to demand immediate payment of any amount by which you are over your credit limit. In accordance with\napplicable law, the Credit Union may not post payments to your account or reflect them in your available credit limit on the\ndate they are received. The Credit Union may delay replenishing your credit limit until the date the payment is posted or\nthe Credit Union confirms the payment has cleared.\n9. PAYMENT ALLOCATION \xe2\x80\x94 Subject to applicable law, your payments may be applied to what you owe the Credit\nUnion in any manner the Credit Union chooses. However, in every case, in the event you make a payment in excess of\nthe required minimum periodic payment, the Credit Union will allocate the excess amount first to the balance with the\nDMIGE2 (MXC503 CCM004)-e\n\n\x0chighest annual percentage rate and any remaining portion to the other balances in descending order based on applicable\nannual percentage rate.\n10. SECURITY INTEREST \xe2\x80\x94 You grant the Credit Union a security interest under the Uniform Commercial Code and\nunder any common law rights the Credit Union may have in any goods you purchase. If you give the Credit Union a\nspecific pledge of shares by signing a separate pledge of shares, your pledged shares will secure your account. You may\nnot withdraw amounts that have been specifically pledged to secure your account until the Credit Union agrees to release\nall or part of the pledged amount.\nYour Account is secured by all other shares you have in any individual or joint account with the Credit Union,\nexcept for shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law if given as security. These other shares may be withdrawn unless you are\nin default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default.\nCollateral securing other loans you have with the Credit Union may also secure this loan, except that a dwelling will never\nbe considered as security for this account, notwithstanding anything to the contrary in any other agreement.\n11. DEFAULT \xe2\x80\x94 You will be in default if you fail to make any minimum payment or other required payment by the date\nthat it is due. You will be in default if you break any promise you make under this Agreement. You will be in default if you\ndie, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default\nif something happens that the Credit Union believes may substantially reduce your ability to repay what you owe.\nWhen you are in default, the Credit Union has the right to demand immediate payment of your full account balance\nwithout giving you notice. If immediate payment is demanded, you agree to continue paying finance charges at the\nperiodic rate charged before default, until what you owe has been paid, and any shares that were given as security for\nyour account may be applied towards what you owe.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 You agree to notify us\nimmediately, orally or in writing, at 630 32nd St. SE, Grand Rapids, MI 49548 or telephone (800) 442-4757 seven (7)\ndays a week, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the\nunauthorized use of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss,\ntheft, or possible unauthorized use. You will have no liability for unauthorized transactions made with your credit card,\nunless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50.00.\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. If permitted by law and specified in the notice to you, the change will apply to your existing account\nbalance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will\nnot affect your obligation to pay the account balance plus any finance and other charges you owe under this Agreement.\nYour obligation to pay the account balance plus any finance and other charges you owe under this agreement are subject\nto all applicable laws and regulations regarding repayment requirements. You are also responsible for all transactions\nmade to your account after termination, unless the transactions were unauthorized.\nThe card or cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit\nUnion all cards upon request or upon termination of this Agreement whether by you or the Credit Union. If this is a joint\naccount, the paragraph on JOINT ACCOUNTS of this Agreement also applies to termination of the account.\n14. CHANGING OR TERMINATING AUTHORIZED USERS \xe2\x80\x94 Upon your request, we may issue additional cards for\nauthorized users that you designate. You must notify us in writing of any termination of an authorized user\'s right to\naccess your account. Your letter must include the name of the authorized user and your account number and/or any\nsubaccount number issued to the authorized user along with the authorized user\'s card and any convenience or other\naccess checks issued to the authorized user. If you cannot return the authorized user\'s card or access checks and if you\nrequest your account to be closed, we will close your account and you may apply for a new account.\n15. CREDIT REVIEW AND RELEASE OF INFORMATION \xe2\x80\x94 You authorize the Credit Union to investigate your credit\nstanding when opening or reviewing your account. You authorize the Credit Union to disclose information regarding your\naccount to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency\ncash and/or emergency card replacement services, and you request such services, you agree that we may provide\npersonal information about you and your account that is necessary to provide you with the requested service(s).\n16. RETURNS AND ADJUSTMENTS \xe2\x80\x94 Merchants and others who honor your card may give credit for returns or\nadjustments, and they will do so by sending the Credit Union a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and\ncash advances. If the credit balance amount is $1.00 or more, it will be refunded upon your written request or\nautomatically after six months.\nDMIGE2 (MXC503 CCM004)-e\n\n\x0c17. ADDITIONAL BENEFITS/CARD ENHANCEMENTS \xe2\x80\x94 The Credit Union may from time to time offer additional\nservices to your account, such as travel accident insurance, at no additional cost to you. You understand that the Credit\nUnion is not obligated to offer such services and may withdraw or change them at any time.\n18. MERCHANT DISPUTES \xe2\x80\x94 The Credit Union is not responsible for the refusal of any merchant or financial institution\nto honor your card. The Credit Union is subject to claims and defenses (other than tort claims) arising out of goods or\nservices you purchase with the card if you have made a good faith attempt but have been unable to obtain satisfaction\nfrom the merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union\nsent or participated in sending to you; or (b) your purchase cost more than $50.00 and was made in your state or within\n100 miles of your home.\n19. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint account, each of you will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay\nthe entire amount owed under this Agreement. Each of you authorizes the other(s) to make purchases or cash advances\nindividually. Any one of you may terminate the account and the termination will be effective as to all of you.\n20. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on your account even\nthough the sales, cash advances, credit or other slips you sign or receive may contain different terms.\n21. NO WAIVER \xe2\x80\x94 The Credit Union can delay enforcing any of its rights any number of times without losing them.\n22. STATEMENTS AND NOTICES \xe2\x80\x94 Statements and notices will be mailed or delivered to you at the appropriate\naddress you have given the Credit Union. Notice sent to any one of you will be considered notice to all.\n23. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement and the Disclosure are the final expression of the\nterms and conditions of your account. This written Agreement and Disclosure may not be contradicted by evidence of any\nalleged oral agreement. Should any part of this Agreement or the Disclosure be found to be invalid or unenforceable, all\nother parts of this Agreement and Disclosure shall remain in effect and fully enforceable to the fullest extent possible\nunder this Agreement.\n24. COPY RECEIVED \xe2\x80\x94 You acknowledge that you have received a copy of this Agreement and Disclosure.\n25. INTERNET GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of\nelectronic gambling transaction through the Internet.\n26. PENALTY RATE DISCLOSURES \xe2\x80\x94 If applicable to your account, all rates for your account, including the rates for\npurchases, cash advances, and balance transfers, will increase to the Penalty Rate when you meet one or more of the\nconditions as set forth in the Disclosure accompanying this Agreement. Any rate increases applied to your account are\nsubject to applicable notice requirements. Please refer to the Disclosure for additional information regarding the Penalty\nRate.\n27. VOLUNTARY PAYMENT PROTECTION \xe2\x80\x94 We may offer Voluntary Payment Protection to you. Voluntary Payment\nProtection is not necessary to obtain credit. If you purchase Voluntary Payment Protection from us, you authorize us to\nadd the fees or insurance charges monthly to your loan balance and charge you interest on the entire balance. At our\noption we will change your payment or the period of time necessary to repay the loan balance. The rate used to determine\nthe fees or insurance charges may change in the future. If the rate changes, we will provide any notices required by\napplicable law.\n28. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written agreement is a final expression of the agreement between you and\nthe Credit Union. This written agreement may not be contradicted by evidence of any oral agreement.\n29. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address listed on your statement.\nIn your letter, give us the following information:\n- Account information: Your name and account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you\nbelieve it is a mistake.\nYou must contact us:\n- Within 60 days after the error appeared on your statement.\n- At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you\nthink is wrong.\nDMIGE2 (MXC503 CCM004)-e\n\n\x0cYou must notify us of any potential errors in writing or electronically. You may call us, but if you do we are not required to\ninvestigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have\nalready corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is\ncorrect.\nWhile we investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report you as delinquent on that amount.\n- The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n- If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then\nreport you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nWe must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know\nwhen the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in\ngood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\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.\n\nDMIGE2 (MXC503 CCM004)-e\n\n\x0c'


b'VISA PLATINUM PLUS\nF1\nCREDIT CARD ACCOUNT OPENING DISCLOSURE\n\xc2\xae\n\nThis Addendum is incorporated into and becomes part of your LOANLINER Consumer Credit Card Agreement.\n\xc2\xae\nPlease keep this attached to your LOANLINER Consumer Credit Card Agreement.\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\nAPR for Balance Transfers\nAPR for Cash Advances\nPenalty APR and When it Applies\nPaying Interest\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nSet-up and Maintenance Fees\n- Annual Fee\n- Account Set-up Fee\n- Program Fee\n- Participation Fee\n- Additional Card Fee\n- Application Fee\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\n- Transaction Fee for Purchases\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\n10.99%\nF2\n10.99%\nF3\n10.99%\nF4\nNone\nF5\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. We will begin charging interest on\ncash advances and balance transfers on the transaction date.\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 http://www.consumerfinance.gov/learnmore.\n\nNone\nF6\nNone\nF7\nNone\nF8\nNone\nF9\nNone\nF10\nNone\nF11\n\nNone\nF12\n3.00%\nF13\n1.00%\nF14\nNone\nF15\n\nof the amount of each cash advance\nof each transaction in U.S. dollars\n\nUp to $20.00\nF16\nUp to $25.00\nF17\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See\nyour account Agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\naccount Agreement.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\nStatement Copy Fee\nDocument Copy Fee\nRush Fee\nEmergency Card Replacement Fee\nPIN Replacement Fee\nCard Replacement Fee\nExpress Shipping Fee\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nF18\nor the amount of the required minimum payment, whichever\n$20.00\nis less, if you are five (5) or more days late in making a payment.\nF19\nor the amount of the required minimum payment, whichever\n$25.00\nis less.\nF20\n$5.00\nF21\n$5.00\nF22\n$25.00\nF23\n$165.00\nF24\n$5.00\nF25\n$10.00\nF26\n$25.00\nDMIGD3 (MXC453 CCM002)-e\n\nSEE BACK OF PAGE for more important information about your account.\n\n\x0cCollection Costs: You promise to pay all costs of collecting the amount you owe under this Agreement to the extent\npermitted by state law.\nPeriodic Rates:\nThe Purchase APR is 10.99%\nF27\nwhich is a daily periodic rate of 0.0305%\nF28\n.\nThe Balance Transfer APR is 10.99%\nF29\nwhich is a daily periodic rate of 0.0305%\nF30\n.\nThe Cash Advance APR is 10.99%\nF31\nwhich is a daily periodic rate of F32\n0.0305% .\n\nDMIGD3 (MXC453 CCM002)-e\n\n\x0c'


b'PO Box 158 | Deer Park, TX 77536 | 281.479.6651\n\nAPPLICATION AND SOLICITATION DISCLOSURE\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate\n(APR) for Purchases\nAPR for Balance Transfers and Cash\nAdvances\n\nHow to Avoid Paying Interest on Purchases\n\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\n\nStandard fixed APR of 8.90% (Platinum), 10.90% (Gold),\n12.00 (Standard) will apply based on your creditworthiness.\n\nStandard fixed APR of 8.90% (Platinum), 10.90% (Gold),\n12.00 (Standard) will apply based on your creditworthiness.\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.\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 http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n\n$0\n\nTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction\n\n$0\n$0\nUp to 1% of each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nUp to $20.00\nUp to $20.00\n\nHow We Will Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nEffective Date.\nThe information about the costs of the card described in this application is accurate as of September 1, 2016.\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nOTHER DISCLOSURES\nLate Payment Fee\nReturned Payment Fee\nStatement Copy Fee\nDocument Copy Fee\nRush Fee\nCard Replacement Fee\n\n$20.00 or the amount of the required minimum payment, whichever\nis less, if you are 11 or more days late in making a payment.\n$20.00 or the amount of the required minimum payment, whichever\nis less.\n$3.00\n$5.00\n$55.00\n$5.00\n\nD42P40 (MXC402 CC\n\n\x0c'