b'A+\n\nSelect Credit Tier:\nP.O. BOX 1366 3700 Skyline Drive\nNederland, Texas 77627\n(800) 825-8829 (409) 962-8793\nwww.5pointcu.org\n\nSTANDARD, PLATINUM, PLATINUM WITH\nREWARDS, AND SIGNATURE VISA CREDIT CARD\nAGREEMENT AND DISCLOSURE\n\nCREDIT CARD AGREEMENT AND DISCLOSURE\n\nInterest Rates and Interest Charges\n\nANNUAL PERCENTAGE RATE (APR)\nfor Purchases and Balance Transfers\nANNUAL PERCENTAGE RATE (APR)\nfor Cash Advances\nHow to Avoid Paying Interest\nMinimum Interest Charge\nFor Credit Card Tips from\nthe Consumer Financial Protection Bureau\nFees\nAnnual Fee\nTransaction Fees\nForeign Transactions\nPenalty Fees\nLate Payment\nReturned Payment\n\nPlatinum with Rewards\n\n1.90 %\n\nStandard Visa\n\nPlatinum Visa\n\nSignature Visa\n\n_______________ . Introductory APR for a period of six (6) billing cycles.\nWhen the discounted period expires, the APR on existing balances will increase to the new nondiscount rate on the first day of the billing cycle.\nAfter that, your APR will be\nthe Prime Rate.\n\n7.25 %. This APR will vary with the market based on\n\n18.00 %\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you any\ninterest on purchases or balance transfers if you pay your entire balance by the due date each\nmonth. We will begin charging interest on cash advances on the transaction date.\nIf you are charged interest, the charge will be no less than $ 2.50\n. The minimum interest\ncharge will be charged on any dollar amount.\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at:\nhttp://www.consumerfinance.gov/learnmore\nNone\n1.00 % of each transaction in U.S. Dollars completed outside the U.S.\n1.00 % of each transaction in U.S. Dollars completed in foreign currency.\n\nUp to $29.00\nUp to $29.00\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.\nLoss of Introductory APR: We may end your introductory APR if you make a late payment. With the loss of your Introductory APR, your APR for Standard and Platinum Visa will be a variable\n7.25 - _______%,\n18.00 Platinum with Rewards Visa will be a variable rate of _______%-_______%\n8.75\n18.00 and Signature Visa will be a variable rate of _______%-_______%.\n10.75\n13.50\nrate of _______%\nOther Disclosures Late\n$29.00 or the amount of the required minimum payment, whichever is less, if you are ten (10) or more days late in making a payment.\nPayment Fee Returned\n$29.00 or the amount of the required minimum payment, whichever is less.\nPayment Fee Document\n$ 5.00\nCopy Fee\n$55.00 Input Today, FedEx Today. Request received before 10:30 a.m. on a business day\nExpedited Fee\nCollection Costs. You agree to pay all costs of collecting the amount you owe under this Agreement, including court costs and reasonable attorney\xe2\x80\x99s fees.\nPeriodic Rates.\n7.25\nThe Purchase APR is ____________________%,\nwhich is a daily periodic rate of ____________________%.\n0.019863\n0.005205\n1.90\nThe Introductory Purchase APR is ____________________%,\nwhich is a daily periodic rate of ____________________%.\n18.00\n0.049315\nThe Cash Advance APR is ____________________%,\nwhich has a daily periodic rate of ____________________%.\nThe Balance APR is ____________________%,\nwhich is a daily periodic rate of ____________________%.\n7.25\n0.019863\nThe Introductory Balance Transfer APR is ____________________%,\nwhich is a daily periodic rate of ____________________%.\n1.90\n0.005205\nVariable Rate:\nThe ANNUAL PERCENTAGE RATE is subject to change on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on the last\nbusiness day of each month of each year as published in The Wall Street Journal \xe2\x80\x9cMoney Rates\xe2\x80\x9d table to which we add a margin. The ANNUAL PERCENTAGE RATE will never be greater than\n18%. Any increase in the ANNUAL PERCENTAGE RATE will take the form of additional payments shown as Total Minimum Payments on the statement. If the Index is no longer available, the\nCredit Union will choose a new index which is based upon comparable information.\nMargin\n4.00 above the Index.\nPurchases and Balance Transfers will be charged a ____________________%\n\nCopyright 2011 ConmarSystems, Peachtree City, GA 30269 \xe2\x80\x93 EFORM 21861-3 Rev. 2/20\n\nPage 1 of 3\n\n\x0cP.O. BOX 1366 3700 Skyline\nDrive\nNederland, Texas 77627\n(800) 825-8829 (409) 962-8793\nwww.5pointcu.org\n\nSTANDARD, PLATINUM, PLATINUM WITH REWARDS,\nAND SIGNATURE VISA CREDIT CARD\nAGREEMENT AND DISCLOSURE\n\nCREDIT CARD AGREEMENT AND DISCLOSURE\n\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\nStandard and/or Platinum credit card and any duplicates and renewals the Credit Union issues. "Account"\nmeans your Standard and/or Platinum credit card account with the Credit Union. "Credit Union," "we," "us,"\nand "our" mean the Credit Union. 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 MasterCard 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\nCredit Cards. You may also obtain cash advances from the Credit Union, from other financial institutions\nparticipating in the program and from automated teller machines (ATM\'s) that provide access to the system.\nYour Personal Identification Number (PIN) is needed to obtain cash advance from an ATM (not all ATMs\naccept Cards). You agree not to use the card for any illegal transactions such as advances for gambling or\nwagering where these practices are in violation of the law. Even if you use your card for an illegal\ntransaction, you will be responsible for all amounts and charges incurred in connection with the 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\nCopyright 2011 ConmarSystems, Peachtree City, GA 30269 \xe2\x80\x93 EFORM 21861-3 Rev. 2/20\n\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.\n\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 18.00%.\nAt the time of this agreement, your Account is subject to the following terms:\nPURCHASES AND BALANCE TRANSFERS: Standard and Platinum Visa- For 6 billing cycles your Account\nis subject to an Introductory Daily Periodic Rate of 0.005205% (corresponding to an Introductory ANNUAL\nPERCENTAGE RATE of 1.90%. After the expiration of the Introductory Rate, your Interest Rate for\nPurchases will be calculated according to the Variable Rate provisions described herein, using a Margin of\n4.00\n_____________%.\nIf your Account was not subject to an Introductory Rate, Purchase Transactions would\n4.00\n3.25\nhave been subject to the following terms: Index _____________%;\nMargin _____________%;\nDaily Periodic\n7.25\n0.019863 ANNUAL PERCENTAGE RATE _____________%.\nRate _____________%;\nPlatinum with Rewards Visa- For 6 billing cycles your Account is subject to an Introductory Daily Periodic\nRate of 0.005205% (corresponding to an Introductory ANNUAL PERCENTAGE RATE of 1.90%. After the\nexpiration of the Introductory Rate, your Interest Rate for Purchases will be calculated according to the\nVariable Rate provisions described herein, using a Margin of _____________%. If your Account was not\nsubject to an Introductory Rate, Purchase Transactions would have been subject to the following terms:\nIndex _____________%; Margin _____________%; Daily Periodic Rate _____________%; ANNUAL\nPERCENTAGE RATE _____________%.\nSignature Visa- For 6 billing cycles your Account is subject to an Introductory Daily Periodic Rate of\n0.005205% (corresponding to an Introductory ANNUAL PERCENTAGE RATE of 1.90%. After the expiration\nof the Introductory Rate, your Interest Rate for Purchases will be calculated according to the Variable Rate\nprovisions described herein, using a Margin of _____________%. If your Account was not subject to an\nIntroductory Rate, Purchase Transactions would have been subject to the following terms: Index\n_____________%; Margin _____________%; Daily Periodic Rate _____________%; ANNUAL\nPERCENTAGE RATE _____________%.\nBalance Transfers will be charged at a retail rate but do not qulify for points on Platinum with Rewards or\nSignature Cards only.\nCASH ADVANCES: The daily periodic rate for Cash Advances is 1.5%, corresponding to the ANNUAL\nPERCENTAGE RATE OF 18.00%.\nOTHER CHARGES: The following other charges (fees) will be added to your Account, as applicable:\na) Returned Payment Fee: You will be charged up to $29.00 for any check payment returned for any\nreason;\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) Expedited Fee: You will be charged $55.00 for input today, FedEX tomorrow if you request is received\nbefore 10:30 a.m. on a business day.\nd) Card Replacement Fee: $10.00.\ne) Account Research Fee: $10.00 per hour.\nLATE CHARGE: If your payment is 10 or more days late you will be charged $29.00 or the amount of the\nrequired minimum payment, whichever is less.\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 Standard, Platinum, Platinum with Rewards and Signature\n29.00\n1.00 of your total new balance or $_____________,\nVisa Account will be _____________%\nwhichever is greater,\nunless your outstanding balance is less than $_____________,\nin which case your minimum payment will be\n29.00\nyour outstanding balance. Any portion of minimum payments shown on prior statements which remain\nunpaid, any amounts by which you exceed your credit limit, and any other applicable charges will also be\nadded to your required minimum monthly payment.\nSubject to applicable law, payments will be applied in the following order or in any manner the credit union\nchooses. First to any previously billed and unpaid Finance Charges on purchases, cash advances and balance\ntransfers, then to any billed fees, then to the principal balance of purchases in the order they were posted to your\naccount and then to the principal balance of cash advances. However, in every case, in the event you make a\npayment in excess of the required minimum periodic payment, the Credit Union will allocate the excess amount\nfirst to the balance with the highest annual percentage rate and any remaining portion to the other balances in\ndescending order based on applicable annual percentage rate. If two or more purchases were posted on the\nsame day, your payment will be applied to the lowest amount first. You understand that any payment that delays\nthe repayment of Your unpaid balance will increase Your Finance Charge and any payment that accelerates the\nreduction of Your unpaid 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.\n\nPage 2 of 3\n\n\x0cCONSENSUAL 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 P.O. Box 1366, 3700 Skyline\nDrive, Nederland, Texas 77627, or call us at 409-962-8793 or 800-825-8829 twenty-four (24) hours a day,\nseven (7) days a week. You will not be liable for any unauthorized use that occurs after you notify us. You may,\nhowever, be liable for unauthorized use that occurs before your notice to us. In any case, your liability will not\nexceed $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\nbalance 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\nyour account even though the sales, cash advances, credit or other slips you sign or receive may contain\ndifferent terms. The Credit Union can delay enforcing any of its rights any number of times without losing\nthem. Each provision of this agreement must be considered as part of the total agreement and cannot in any\nway be severed from it. However, you also agree that should any part of this agreement be found invalid, it\nwill in no way affect the remainder of the agreement.\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\nCopyright 2011 ConmarSystems, Peachtree City, GA 30269 \xe2\x80\x93 EFORM 21861-3 Rev. 2/20\n\nYour Billing Rights: Keep This Document For Future Use\n\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:\nFivePoint Credit Union\nP O Box 1366 3700 Skyline Drive\nNederland, Texas 77627\nYou may also contact us on the Web: www.5pointcu.org\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 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\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 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.\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\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest\non that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your\nbalance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 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\xe2\x80\xa2 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:\nFivePoint Credit Union\nP O Box 1366 3700 Skyline Drive\nNederland, Texas 77627\nwww.5pointcu.org\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\nPage 3 of 3\n\n\x0c'


b'Roadside Dispatch is a pay-per-use roadside assistance program. The program provides you with\nsecurity and convenience wherever your travels take you. No membership or pre-enrollment is required.\nNo annual dues. No limit on usage. For a set price per service call, the program provides:\n\xe2\x80\xa2 Standard Towing \xe2\x80\x93 Up to 5 miles included1\n\xe2\x80\xa2 Tire Changing \xe2\x80\x93 must have good, inflated spare\n\xe2\x80\xa2 Jump Starting\n\xe2\x80\xa2 Lockout Service (no key replacement)\n\xe2\x80\xa2 Fuel Delivery \xe2\x80\x93 up to 5 gallons (plus the cost of fuel)\n\xe2\x80\xa2 Standard Winching\nRoadside Dispatch will ask you where you are, what the problem is, and while we remain on the phone\nwe will arrange a dispatch to a reliable tow operator or locksmith to provide help. (If you feel you are in\nan unsafe location \xe2\x80\x93 we will advise you to hang up and dial 911. If you are not able to dial 911, we will\ncall the non-emergency police number in your area, and will remain on the phone with you at your\nrequest until the police arrive.) You have the convenience of one toll-free phone and you may save\nmoney because our rates are pre-negotiated.\nDependable roadside assistance, 24 hours a day, 7 days a week has never been easier. No membership\nor pre-enrollment is required. Just call us toll free when you need us.\n1-800-847-2869 \xe2\x80\x93 it\xe2\x80\x99s that easy!\nNote: Current fee for a standard service call is $69.95. Customers must pay service provider for\nmileage over 5 miles. A secondary unit being towed behind is not included but can be accommodated\nfor an additional fee. Standard Winching applies within 100 feet of paved or county maintained road\nonly. Additional fees may apply for winching services under certain circumstances. Service call fees are\nsubject to change at any time; however callers will be notified of pricing prior to any service dispatch.\nThis program may be discontinued at any time without prior notice. Program void where prohibited.\n1\n\nAny vehicle with wheels is covered under the program as long as it can be classified as \xe2\x80\x98Light Duty\xe2\x80\x99.\n\xe2\x80\x98Light Duty\xe2\x80\x99 vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs.\nare considered \xe2\x80\x98Medium Duty\xe2\x80\x99 or \xe2\x80\x98Heavy Duty\xe2\x80\x99 and are NOT covered under this program.\n\n1|Page\n\n\x0cAdditional Terms: Service providers supplying emergency roadside assistance and towing are\nindependent contractors and are solely liable for their services. Neither Visa nor 5Point Credit Union\nshall have any responsibility or liability in connection with the rendering of the service. Emergency\nroadside assistance and towing may not be available in areas not regularly traveled, nor in other \xe2\x80\x9coff\nroad\xe2\x80\x9d areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability\nof service may affect assistance responses. Expectations for dispatch are set with the customer on every\ncall, and an expected estimated time of arrival is provided to the customer regardless of their location;\nhowever, neither Visa nor 5Point Credit Union provides any assurances as to the ability of the Service\nProvider to meet such estimates. You are responsible for any roadside assistance or towing charges\nincurred by facilities responding to your request even if you are not with your vehicle or your vehicle is\ngone upon their arrival. Services provided by United States Auto Club, Motoring Division, Inc\n\n2|Page\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n3|Page\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n4|Page\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n5|Page\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n6|Page\n\n\x0c7|Page\n\n\x0c'


b'Roadside Dispatch is a pay-per-use roadside assistance program. The program provides you with\nsecurity and convenience wherever your travels take you. No membership or pre-enrollment is required.\nNo annual dues. No limit on usage. For a set price per service call, the program provides:\n\xe2\x80\xa2 Standard Towing \xe2\x80\x93 Up to 5 miles included1\n\xe2\x80\xa2 Tire Changing \xe2\x80\x93 must have good, inflated spare\n\xe2\x80\xa2 Jump Starting\n\xe2\x80\xa2 Lockout Service (no key replacement)\n\xe2\x80\xa2 Fuel Delivery \xe2\x80\x93 up to 5 gallons (plus the cost of fuel)\n\xe2\x80\xa2 Standard Winching\nRoadside Dispatch will ask you where you are, what the problem is, and while we remain on the phone\nwe will arrange a dispatch to a reliable tow operator or locksmith to provide help. (If you feel you are in\nan unsafe location \xe2\x80\x93 we will advise you to hang up and dial 911. If you are not able to dial 911, we will\ncall the non-emergency police number in your area, and will remain on the phone with you at your\nrequest until the police arrive.) You have the convenience of one toll-free phone and you may save\nmoney because our rates are pre-negotiated.\nDependable roadside assistance, 24 hours a day, 7 days a week has never been easier. No membership\nor pre-enrollment is required. Just call us toll free when you need us.\n1-800-847-2869 \xe2\x80\x93 it\xe2\x80\x99s that easy!\nNote: Current fee for a standard service call is $69.95. Customers must pay service provider for\nmileage over 5 miles. A secondary unit being towed behind is not included but can be accommodated\nfor an additional fee. Standard Winching applies within 100 feet of paved or county maintained road\nonly. Additional fees may apply for winching services under certain circumstances. Service call fees are\nsubject to change at any time; however callers will be notified of pricing prior to any service dispatch.\nThis program may be discontinued at any time without prior notice. Program void where prohibited.\n1\n\nAny vehicle with wheels is covered under the program as long as it can be classified as \xe2\x80\x98Light Duty\xe2\x80\x99.\n\xe2\x80\x98Light Duty\xe2\x80\x99 vehicles are vehicles that weigh 10,000 lbs. or less. Vehicles weighing more than 10,000 lbs.\nare considered \xe2\x80\x98Medium Duty\xe2\x80\x99 or \xe2\x80\x98Heavy Duty\xe2\x80\x99 and are NOT covered under this program.\n1|Page\n\n\x0cAdditional Terms: Service providers supplying emergency roadside assistance and towing are\nindependent contractors and are solely liable for their services. Neither Visa nor 5Point Credit Union\nshall have any responsibility or liability in connection with the rendering of the service. Emergency\nroadside assistance and towing may not be available in areas not regularly traveled, nor in other \xe2\x80\x9coff\nroad\xe2\x80\x9d areas not accessible by ordinary towing vehicles. Weather conditions, time of day, and availability\nof service may affect assistance responses. Expectations for dispatch are set with the customer on every\ncall, and an expected estimated time of arrival is provided to the customer regardless of their location;\nhowever, neither Visa nor 5Point Credit Union provides any assurances as to the ability of the Service\nProvider to meet such estimates. You are responsible for any roadside assistance or towing charges\nincurred by facilities responding to your request even if you are not with your vehicle or your vehicle is\ngone upon their arrival. Services provided by United States Auto Club, Motoring Division, Inc\n\n2|Page\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n3|Page\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n4|Page\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n5|Page\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n6|Page\n\n\x0c\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n7|Page\n\n\x0c\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n8|Page\n\n\x0c9|Page\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n10 | P a g e\n\n\x0c\xe2\x80\xa2\n\xe2\x80\xa2\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n11 | P a g e\n\n\x0c\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xe2\x80\xa2\n\n\xef\xac\x80\n\xef\xac\x80\n12 | P a g e\n\n\x0c\xef\xac\x80\n\n\xef\xac\x80\n\xef\xac\x80\n\n\xef\xac\x80\n\n\xef\xac\x80\n\n\xef\xac\x83\n\xef\xac\x83\n\n\xef\xac\x80\n\n\xef\xac\x80\n\xef\xac\x80\n\n13 | P a g e\n\n\x0c14 | P a g e\n\n\x0c'


b'VISA CREDIT BUILDER/VISA PLATINUM/VISA GOLD\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\n(6) months 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 and money orders. This paragraph shall not\nbe interpreted as permitting or authorizing any transaction that is illegal.\n3. 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\n\xc2\xa9CUNA Mutual Group 1991, 2006, 09, 10, 12 All Rights Reserved\n\nDTXXB1 (MXC500 CCM002)\n\n\x0canother 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).\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 upon the issuance of\nyour card. Each year following, the annual fee will be charged to your account during the same month that you were first\ncharged the fee. The fee will be charged each year until your account is closed and paid in full.\nb. Balance Transfer Fee. If your account is subject to a Balance Transfer Fee, the fee will be charged to your account\nwhen you transfer a balance from an account of another creditor to the account subject to this Agreement.\nc. 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.\nd. 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.\ne. 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.\nDTXXB1 (MXC500 CCM002)\n\n\x0cf. Over-the-Credit Limit Fee. If you have elected the feature to allow your account to go over your credit limit, we may\ncharge you a fee as allowed by law. However, in no case will we impose an over-the-limit fee except in the next two billing\ncycles unless you have obtained an additional extension of credit in excess of such credit limit during each subsequent\ncycle or you have reduced the balance below the credit limit as of the end of each bill cycle.\ng. 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.\nh. 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.\ni. 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).\nj. 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.\nk. 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.\nl. Excessive Replacement Card Fee. If your account is subject to the Excessive Replacement Card Fee, a fee will be\ncharged to your account as 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 Credit Builder card, the minimum payment\nis 2.50% of your total new balance, or $10.00, whichever is greater, plus the amount of any prior minimum payments that\nyou have not made, all outstanding unpaid fees and charges, and any amount you are over your credit limit by the date\nspecified on the statement. For our Visa Platinum card, the minimum payment is 2.50% of your total new balance, or\n$10.00, whichever is greater, plus the amount of any prior minimum payments that you have not made, all outstanding\nunpaid fees and charges, and any amount you are over your credit limit by the date specified on the statement. For our\nVisa Gold card, the minimum payment is 2.50% of your total new balance, or $10.00, whichever is greater, plus the\namount of any prior minimum payments that you have not made, all outstanding unpaid fees and charges, and any\namount you are over your credit limit by the date specified on the statement. The Credit Union also has the right to\ndemand immediate payment of any amount by which you are over your credit limit.\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\nhighest 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\nDTXXB1 (MXC500 CCM002)\n\n\x0cperiodic 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 7025 Eastex Freeway, Beaumont, TX 77706 or telephone 409-898-3770 seven (7)\ndays a week, 24 hours a day, 800-456-4684 seven (7) days a week, 24 hours a day or 800-682-6075 seven (7) days a\nweek, 24 hours a day, of the loss, theft, or unauthorized use of your credit card. You may be liable for the unauthorized\nuse of your credit card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or\npossible unauthorized use. You will have no liability for unauthorized purchases made with your credit card, unless you\nare 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 (6) months.\n17. 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\nDTXXB1 (MXC500 CCM002)\n\n\x0cother 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. GAMBLING TRANSACTIONS PROHIBITED \xe2\x80\x94 You may not use your card to initiate any type of gambling\ntransaction.\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.\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 still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill.\nDTXXB1 (MXC500 CCM002)\n\n\x0cWe 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\nDTXXB1 (MXC500 CCM002)\n\n\x0c'


b'VISA PLATINUM/VISA SIGNATURE\nF1\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum\n\nF2\n3.99%\n\nIntroductory APR for a period of 12 billing cycles.\n\nF3\n7.99%\n\nto 12.99%\nF4\n\nAfter that your APR will be\nbased on\nyour creditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Signature\n\nF5\n3.99%\n\nIntroductory APR for a period of 12 billing cycles.\n\nF6\n9.99%\n\nAPR for Balance Transfers\n\nto 14.99%\nF7\n\nAfter that your APR will be\nbased on\nyour creditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Platinum\nF8\n3.99%\n\nIntroductory APR for a period of 12 billing cycles.\n\nAfter that your APR will be 7.99%\nF9\nto 12.99%\nF10\nbased on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Signature\nF11\n3.99%\n\nAPR for Cash Advances\n\nIntroductory APR for a period of 12 billing cycles.\n\nAfter that your APR will be 9.99%\nF12\nto 14.99%\nF13\nbased on your\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Platinum\nF14\nto 12.99%\nF15\nwhen you open your account, based on your\n7.99%\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Signature\n\nPenalty APR and When it Applies\n\nF16\nto 14.99%\nF17\nwhen you open your account, based on your\n9.99%\ncreditworthiness. This APR will vary with the market based on the\nPrime Rate.\nVisa Platinum\n16.99%\nF18\nThis APR will vary with the market based on the Prime Rate.\nVisa Signature\n16.99%\nF19\nThis APR will vary with the market based on the Prime Rate.\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\n\n\xc2\xa9CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\nDMAFX1 (MXC402 CCM002)\n\nSEE BACK OF PAGE for more important information about your account.\n\n\x0cHow to Avoid Paying Interest on Purchases\nFor Credit Card Tips from the Consumer\nFinancial Protection Bureau\nFees\nSet-up and Maintenance Fees\n- Annual Fee\n- Application 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\nfor this reason, the Penalty APR will apply until you make six (6)\nconsecutive minimum payments when due.\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\nNone\nF20\nNone\nF21\nNone\nF22\n$10.00 or F24\n2.00% of the amount of each cash advance, whichever\nF23\nis greater\n1.00% of each transaction in U.S. dollars\nF25\nUp to $10.00\nF26\nUp to $15.00\nF27\n\nHow We Will Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nPromotional Period for Introductory APR. The Introductory APR for purchases and balance transfers will apply to\ntransactions posted to your account during the first 12 months following the opening of your account.\nLoss of Introductory APR. We may end your Introductory APR for purchases and balance transfers and apply the\nPenalty APR if you are 60 days late in making a payment.\nApplication of Penalty APR. Your APR may be increased to the disclosed Penalty APR if you are 60 days late in making\na payment.\nEffective Date.\nNovember 1, 2013.\nThe information about the costs of the card described in this application is accurate as of F28\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\nEmergency Card Replacement Fee\nPay-by-Phone Fee\n\n$10.00 or the amount of the required minimum payment, whichever\nF29\nis less, if you are 15 or more days late in making a payment.\n$15.00 or the amount of the required minimum payment, whichever\nF30\nis less.\nNone\nF31\n$10.00\nF32\n$5.00\nF33\n\nDMAFX1 (MXC402 CCM00)-e\n\n\x0c'