b'at the contract rate after default.\nYou will also be in default if something happens which the Credit Union believes\nmay substantially reduce your ability to repay what you owe.\n25. ATTORNEYS FEES AND COSTS: If you default on any part of this Agreement,\nyou agree to pay us all costs to collect your account, including court costs and\nreasonable attorneys\xe2\x80\x99 fees whether or not there is a lawsuit, and fees on any appeal\nand fees for bankruptcy proceedings, appeals, and any post-judgment collection\nservices, if applicable.\n26. PROMOTIONAL RATES: From time to time, we may offer promotional Periodic\nRates and ANNUAL PERCENTAGE RATES lower than the Periodic Rate and\nANNUAL PERCENTAGE RATES (\xe2\x80\x9cPromotional Rates\xe2\x80\x9d) stated in this Agreement. The\nterms of any promotional rates will be disclosed to you at the time of the promotion\nin a separate addendum which will become part of this Agreement. At the end of\nthe promotional period, the Periodic Rate and ANNUAL PERCENTAGE RATE for\nyour account will be the same terms as set forth in this Agreement.\n27. OTHER FEES AND CHARGES:\n(a) Late Payment Charge: If your Minimum Payment is not paid within 15 days\nafter the Payment Due Date, you will be subject to a $15.00 charge or the\nmaximum late charge allowed by applicable law.\n(b) Returned Check Charge: \xc2\xadA $25.00 charge will be made when a check\nsubmitted by you for payment on an account is returned to us, regardless of the\nreason.\n(c) Automatic Payment Reversal Fee: If you have elected to have the payment(s)\non your Account automatically deducted from another Credit Union account and\nyou fail to maintain sufficient funds in that account causing your payment to be\nreversed, your Account will be charged up to $25.\n(d) Fee for Documents: If you request a copy of a charge slip or other document\nnot in connection with a billing error, we may charge your Account the cost of\n$25.00 per sale draft plus $6.00 processing fee.\n(e) Replacement or Additional Card Fee: If you request an additional card to\nreplace the card initially issued to you, for any reason other than the card not\nbeing received by you or a defect in its manufacture, or if you request a card for\nan additional user on my account, your Account will be charged a fee of $10.\n(f) Annual Membership Fee: None\n(g) ATM Fees: If you use an ATM to obtain a cash advance and the ATM is not\noperated by us, you may be charged an ATM surcharge by the ATM operator\nor an ATM network utilized for such a transaction. The ATM surcharge may be\ncharged to your account if you complete the transaction.\n(h) Balance Transfer Fees: You will be charged a fee or either $10,00 or 2% of\nthe amount of each balance transfer transaction, whichever is greater.\n28. TERMINATION: Subject to applicable law, we may terminate or suspend your\ncredit privileges under this Agreement, at any time, in our sole discretion without\ndemand or notice. If we are required by law to give you a reason for adverse action\nfor credit denied, we will do so. You must notify us in writing if you decide to terminate the Agreement. If you terminate this Agreement or if we terminate or suspend\nyour credit privileges, the provisions of the Agreement and your liability hereunder\nshall otherwise remain in full force and effect until all cards or credit instruments or\ndevices issued to you have been canceled and/or returned to us and you have paid\nus all sums due us.\n29. NON-REISSUANCE: For security purposes, Provident Credit Union VISA\nCards are reissued every three years. If at the time of reissue your VISA Credit Card\nAccount has been inactive for at least 12 months, we reserve the right to not reissue\nyou a new Card and may close your VISA account.\n30. TRANSFER OF ACCOUNT: You cannot transfer your account to any other\nperson.\n31. Use of Card and Account by Others: If you so request, we may issue cards\nnot only to you, but also to others who will only be authorized users of the Account.\nSuch additional cards may be imprinted either with your name or with the names of\nthe authorized user(s). You agree that if you permit another person to use your Account (whether or not you have told the Credit Union that such person will be using\nyour Account), with or without the Card, PIN, that you will pay for any Purchases or\nCash Advances made by such person(s) on your Account and any finance or other\ncharges imposed on those Purchases and Cash Advances, even if the amount\nexceeds your permission. If you have authorized someone to use your Account and\nyou want to terminate that person\xe2\x80\x99s access, you agree that you must notify us in\nwriting; if possible, enclosing the Card(s) used by that person, cut in two. Once you\n\nhave notified us that this individual is no longer authorized, even if the card is not\nrecovered, your liability ceases for future charges made to the Account. You may\nrequest us to cancel all cards and establish a new Account for you. If you request\nus to terminate the use of your PIN by another person, we will cancel your PIN and\nissue a new PIN.\n32. ACCELERATION: If you are in default as provided above, or if we in good\nfaith reasonably believe that the prospect of payment or performance is impaired,\namounts you owe us shall, at our option and without notice, become immediately\ndue and payable.\n33. DELAY IN ENFORCEMENT: We can delay enforcing any right under this\nAgreement without losing that right or any other right.\n34. AMENDMENT: We reserve the right to amend the terms of this Agreement at\nanytime as permitted by and subject to any limitations and notice requirements of\napplicable law.\n35. SEVERABILITY: If any provision of this Agreement is held invalid all provisions\nthat are severable from the invalid provision remain in effect.\n36. OWNERSHIP OF CARDS: Any Card or other credit instrument or device which\nwe supply to you is our property and must be returned to us, or any person whom\nwe authorize to act as our agent, or any person who is authorized to honor the\nCard. The Card may be repossessed at any time at our sole discretion without any\ndemand or notice.\n37. PIN SECURITY: You agree not to disclose or otherwise make your Card or\nPersonal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) available to anyone without prior written\nconsent. You agree not to disclose or otherwise make available your PIN to anyone\nnot authorized to sign on your account. For security reasons, please do not write\nyour PIN on your Card or keep it in the same location as your Card.\n38. CURRENCY CONVERSION/FOREIGN TRANSACTION FEE: Purchases\nand cash advances made in foreign currencies will be billed in U.S. dollars. The\nconversion rate in U.S. dollars will be either at the government mandated rate or\na wholesale currency market rate determined by VISA\xc2\xae for the processing cycle in\nwhich the transaction is processed. The currency conversion rate used by Visa\xc2\xae on\nthe processing date may differ from the rate that would have been used on the\npurchase date or cardholder statement posting date. The Credit Union has no\ncontrol over the conversion rate. The currency conversion rate in effect on the\nprocessing date may differ for the rate in effect on the transaction date or on the\nposting date. You will be charged a Foreign Transaction Fee equal to 3% of the\ntransaction amount in U.S. currency.\n39. CREDIT REPORTS: You authorize us to make or have made any credit,\nemployment and /or investigative inquiry we deem appropriate for the extension of\ncredit or collection of amounts owing on the account. You authorize us to furnish\ninformation concerning your account to consumer reporting agencies and others\nwho appear to have a business need for that information. Pursuant to state law, you\nare hereby notified that a negative credit report reflecting on your credit record may\nbe submitted to a credit reporting agency if you fail to fulfill the terms of your credit\nobligations.\n40. CHANGE OF ADDRESS: You will advise us promptly if you change your mailing\naddress. All written notices and statements from us to you will be considered given\nwhen placed in the United States mail, postage prepaid, and addressed to you at\nyour current address as it appears in our records.\nWritten notices and inquiries from you to us must be sent to:\nProvident Credit Union, P.O. Box 8007, Redwood City, CA 94063-0903\n41. GOVERNING LAW: This Agreement will not take effect until it is approved by\nthe Credit Union in the State of California. All payments shall be made to the Credit\nUnion at the Credit Union\xe2\x80\x99s offices. This Agreement shall be governed by the laws of\nthe State of California without regard to any conflict of law rules..\n42. PHONE CALLS: In the regular course of our business, we may monitor and\nrecord phone conversations made or received by our employees. You agree that we\nwill have such right with respect to all phone conversations between you and our\nemployees, whether initiated by you or any of our employees.\nYOUR BILLING RIGHTS \xe2\x80\x93 KEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and our responsibilities\nunder the Fair Credit Reporting Act.\nWhat To Do If You find A Mistake On Your Statement\nIf you think there is an error on your statement, you should write to us at:\n\nProvident Credit Union P.O. Box 8007, Redwood City, CA 94063-0903\nOr you may also contact us on the Web at providentcu.org\nIn your letter, you will 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\nbelieve is wrong and 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\nto stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do\nwe are not required to investigate any potential errors and you may have to pay the\namount 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\nletter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain\nto you why we believe the bill is correct. While we investigate whether or not there\nhas been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on\nthat amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to\ncharge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the\nremainder of the balance.\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:\nIf we made a mistake: You will not have to pay the amount in question or any\ninterest or other fees related to the amount.\nIf we do not believe there was a mistake: You will have to pay the amount in\nquestion, along with applicable interest and fees. We will send you a statement\nof the amount you owe and the date payment is due. We may then report you as\ndelinquent if you do not pay the amount we think you owe. If you receive our\nexplanation but still believe your bill is wrong, you must write to us within 10 days\ntelling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are still questioning your bill. We must tell you\nthe 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\namount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you have a problem with the quality of property or services that you purchased\nwith your credit card, and you have tried in good faith to correct the problem with\nthe merchant, you may have the right not to pay the remaining amount due on the\nproperty or services.\nTo use this right, all of the following must be true:\n1. You must have made the purchase in your home state or, if not within your\nhome state, within 100 miles of your current mailing address; and, the purchase\nprice must have been more than $50.00. (Note: Neither of these are necessary if\nyour purchase was based on an advertisement we mailed to you, or if we own the\ncompany that sold you the goods or services).\n2. You must have used your credit card for the purchase. Purchases made with\ncash advances from an ATM or with a check that accesses your credit card account\ndo 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, you\nmust contact us in writing at:\nProvident Credit Union, P.O. Box 8007, Redwood City, CA 94063-0903\nWhile we investigate, the same rules apply to the disputed amount as discussed\nabove. After we finish our investigation, we will tell you our decision. At that point, if\nwe think you owe an amount and you do not pay, we may report you as delinquent.\n\nVISA\xc2\xae Signature Cash Back Credit Card Agreement\nEffective March 1, 2016\n1. DEFINITION OF PARTIES: This Signature Cash Rewards VISA\xc2\xae Credit Card\nAgreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) covers your VISA\xc2\xae Credit Card (\xe2\x80\x9cCard\xe2\x80\x9d) issued through\nProvident Credit Union. \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA\xc2\xae Card line of credit account\nwith Provident Credit union. In this Agreement the words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d\ninclude any obligator, joint obligator, guarantor, authorized user, the person whose\nname is embossed on the Card, or who sign an application for a Card. The words\n\xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d mean Provident Credit Union. \xe2\x80\x9cCredit Union\xe2\x80\x9d means Provident\nCredit Union.\n2. AGREEMENT ACCEPTANCE: If you sign an application for any account under\nthis Agreement or sign or use any Card(s) issued or Personal Identification Number\n(PIN); or allow others to use the account, Card(s) or PIN, you and they will have\naccepted this Agreement just as if you and they signed it, and you and they, jointly\nand severally, will be bound by the following terms and conditions.\n3. SIGN YOUR CARD: Immediately sign the signature panel on the back of your\nCard upon receipt.\n4. VISA\xc2\xae CREDIT LINE: Maximum Credit Limit. We will provide you with notice of\nyour maximum credit limit on your monthly billing statement, and you agree that\nwe may change your limit at any time. You agree never to use your Card when the\nuse will exceed your maximum credit limit. You also agree that we are not obligated\nto extend to you credit for an amount that would make your outstanding balance\nexceed your maximum credit limit, or for any amount if your outstanding balance is\nalready over the maximum credit limit. Any increases in your maximum credit limit\nyou request may require that you make a written application for our approval. You\nwill pay any amounts which exceed your maximum credit limit upon demand. We\nmay reevaluate your financial condition if you request a higher credit limit, or at any\nother time, and this may include obtaining a current credit bureau report or screening, and/or asking you for current financial information. Based on such a review, we\nmay immediately increase, reduce or even revoke your Account without prior written\nnotice, as allowable under applicable law.\n5. MONTHLY STATEMENT: If you have an outstanding debit or credit New Balance\nof $1.00 or more, or if there is any FINANCE CHARGE imposed during a billing\ncycle, we will send you a statement. You agree to pay us for all Purchases, Cash\nAdvances, fees and charges, if any, and FINANCE CHARGES on your Account,\nall payable in United States dollars. Payment checks must be drawn on a financial\ninstitution or other entity domiciled in the United States.\nPosting of your payment will be delayed if you present us a check drawn on a\nnon-United States domiciled financial institution or entity. The payment will not\nbe credited to your Account until the funds have been collected in United States\ndollars. You agree to allow the Credit Union to debit your account for any collection\nand processing fees associated with handling this payment.\n6. USING YOUR CARD: You may use your account for purchases of services and\nmerchandise from participating merchants that honor your Card. You may also\nuse your Card to obtain a cash advance from participating financial institutions.\nNeither we nor any merchants authorized to honor the Card will be responsible for\nthe failure or refusal of anyone to honor the Card or any other credit instruments or\ndevices we supply to you.\n7. HOW TO USE THIS ACCOUNT: You can purchase or lease goods and services\n(\xe2\x80\x9cPurchases\xe2\x80\x9d) from a merchant up to your maximum credit limit by presenting your\nVISA credit card (\xe2\x80\x9cCard\xe2\x80\x9d) and signing a sales slip for the amount of the Purchase.\nYou may also use your card:\nA) To obtain cash loans (\xe2\x80\x9cCash Advances\xe2\x80\x9d) up to your maximum credit limit \t\t\nfrom financial institutions that accept a VISA\xc2\xae credit card;\n\xc2\xa9 3/16 PCU ID 12794\n\nM-117986\n\n\x0cB) By making withdrawals with this Card at an automated teller machine;\nC) By granting merchants telephonic authorization to charge products or\nservices to your account;\nD) By using your Card to charge phone calls; or,\nE) By issuing checks or drafts or the accrual of any charges against your\nchecking account with Provident Credit Union in excess of its balance (if\noverdraft feature is avail-able).Advances made by automatic transfer of \t\t\nfunds directly into your pre-designated checking account(s) may be in\nmultiples of $100.00 or in the amount of the overdraft depending on which\noption is available.\nF) By making transfers of available funds to another credit union account \t\t\nthrough the credit union\xe2\x80\x99s Touch Tone Teller or Account Manager systems, or\nthrough direct contact with a credit union representative.\n8. ILLEGAL OR UNLAWFUL TRANSACTIONS: You agree that you will not use\nthe Card or Account for any illegal or unlawful transaction, and we may decline to\nauthorize any transaction that we believe poses an undue risk of illegality or\nunlawfulness. You agree that Provident Credit Union will not have any liability,\nresponsibility, or culpability whatsoever for any such use by you or any authorized\nuser(s). You agree that you are responsible for repayment of any and all debts\nincurred for these transactions. You further agree to indemnify and hold Provident\nCredit Union harmless from any suits, liability, damages, or adverse action of any\nkind that results directly or indirectly from such illegal use.\n9. SKIP PAYMENT: At our option, we may not require you to make a Minimum\nPayment during certain designated billing cycles. If you do not make your Minimum\nPayment as provided in the Agreement, you understand we will continue to apply\nFINANCE CHARGES to your Account. Beginning with the billing cycle following a\nskip payment, you agree that all of the provisions of this Agreement shall apply.\n10. FINANCE CHARGES: We will impose FINANCE CHARGES as follows:\nPurchases\nA) A FINANCE CHARGE is imposed on purchases from the date of posting to\nyour Account to the date of repayment.\nFor each billing cycle:\nB) We multiply the Monthly Periodic Rate times the Average Daily Balance of\nPurchases. The Average Daily Balance is the sum of the daily unpaid balances of\npurchases on each day of the billing cycle covered by your current billing statement divided by the number of days in the billing cycle. Such unpaid balances\nare determined by deducting payments and credits applied against such unpaid\nbalances and by adding new purchases, unpaid FINANCE CHARGES, fees and\nother charges, in each case, as of the date posted to your Account.\nC) We multiply the Monthly Periodic Rate times the Average Daily Balance of\nPrevious Billing Cycle Purchases. The Average Daily Balance of Previous Billing\nCycle Purchases is the sum of the unpaid balances of purchases itemized\non your last billing statement on each day of the billing cycle covered by your\nlast billing statement divided by the number of days in the billing cycle. Such\nunpaid balances are determined by deducting payments and credits applied\nagainst such unpaid balances and by adding new purchases, unpaid FINANCE\nCHARGES, fees and other charges, in each case, as of the date posted to your\nAccount.\nD) We add the amounts determined under (B) and (C) to obtain the FINANCE\nCHARGE on purchases.\nA FINANCE CHARGE is not imposed on:\nE) New purchases posted during a billing cycle if: (a) You paid the New Balance\nshown on the billing statement covering the preceding billing cycle by the\nPayment Due Date shown on the billing statement or such New Balance was\nzero and (b) you pay the New Balance shown on the billing statement itemizing\nthe new purchases by the Payment Due Date shown on that billing statement.\nF) Old purchases previously posted for a billing cycle during which you pay the\nNew Balance shown on the billing statement covering the preceding billing cycle\nby the Payment Due Date shown on that billing statement.\nCash Advances\nG) A FINANCE CHARGE is imposed on cash advances as from the date of\ntransaction to the date of repayment.\n\nFor each billing cycle:\nH) We multiply the Monthly Periodic Rate times the Average Daily Balance of\nCash Advances. The Average Daily Balance is the sum of the daily unpaid\nbalances of cash advances on each day of the billing cycle covered by your\ncurrent billing statement divided by the number of days in the billing cycle. Such\nunpaid balances are determined by deducting payments and credits applied\nagainst such unpaid balances and by adding unpaid FINANCE CHARGES, in\neach case, as of the date posted to your Account and by adding new cash\nadvances as of the date of the transaction.\nI) We multiply the Monthly Periodic Rate times the Average Daily Balance of\nPrevious Billing Cycle Cash Advances. The Average Daily Balance of Previous\nBilling Cycle Cash Advances is the sum of the unpaid balances of cash advances\nitemized on your last billing statement on each day of the billing cycle covered by\nyour last billing statement divided by the number of days in the billing cycle. Such\nunpaid balances are determined by deducting payments and credits applied\nagainst such unpaid balances and by adding UNPAID FINANCE CHARGES,\nin each case, as of the date posted to your Account and by adding new cash\nadvances as of the date of the transaction.\nJ) We may also charge a one-time FINANCE CHARGE for cash advances up\nto 3% of the amount of each new cash advances, with a minimum FINANCE\nCHARGE of $10.00 for advances at financial institutions, casinos, in and out of\nnetwork ATMs, wire funds, transfers to non-Provident accounts, overdrafts to\nyour Credit Union checking account or Western Union transfers.\nK) We add the amounts determined under (B),(C) and (D) to obtain the FINANCE\nCHARGE on Cash Advances.\nL) All forms of cash advances, including the use of overdrafts to your Credit\nUnion checking account, regardless of the purpose for which used, shall be\nsubject to the FINANCE CHARGES as set forth above.\nMonthly Periodic FINANCE CHARGE, Monthly Periodic Rate, ANNUAL\nPERCENTAGE RATE (APR), and PENALTY ANNUAL PERCENTAGE RATE. The\nfollowing interest rates apply as of March 11, 2015:\nM) Index Initial APR APR Margin\nIndex (Prime Rate) Periodic Rate\n10.99%-18.00% 7.74%-14.75% Per WSJ*\nAPR is\n\t\t\t\ndetermined \t\t\n\t\t\nby Margin + \t\t\n\t\t\t\nPrime Rate^\nThe Monthly Periodic Rate and corresponding ANNUAL PERCENTAGE RATE\nused in calculating the Monthly Periodic FINANCE CHARGE may increase or decrease during the term of this Agreement. Any such change will be based on an\nincrease or decrease in the \xe2\x80\x9cPrime Rate\xe2\x80\x9d as published in *The Wall Street Journal. In the event that the Index ceases to be published, changes in your ANNUAL\nPERCENTAGE RATE will be related to a comparable Index. We may waive an\nincrease in your ANNUAL PERCENTAGE RATE when such an increase can be\nmade, but such waiver shall not be construed as a waiver of our right to increase\nthe ANNUAL PERCENTAGE RATE at a future date when entitled to do so.\nYour ANNUAL PERCENTAGE RATE is subject to change monthly on the first day\nof every month following one full billing cycle after an increase or decrease in the\nIndex. These dates shall be known as \xe2\x80\x9cAdjustment Dates.\xe2\x80\x9d For example, if the\nIndex changes anytime in the month of January, your new ANNUAL PERCENTAGE RATE will go into effect on the first day of March and will be based on the\nIndex as of the last day of January. Decreases in your ANNUAL PERCENTAGE\nRATE in accordance with the terms of this Agreement are mandatory. Increases\nin your ANNUAL PERCENTAGE RATE can be made at our discretion subject to\nthe terms of this Agreement. If the ANNUAL PERCENTAGE RATE increases or\ndecreases, the FINANCE CHARGE will increase or decrease. Each change in\nthe ANNUAL PERCENTAGE RATE and Monthly Periodic Rate which is the result\nof an increase or decrease in the index will apply to any balance outstanding on\nthe effective date of such change as well as to future Credit Purchases and Cash\nAdvances.\nThe initial periodic rate used in calculating your Monthly Periodic FINANCE\nCHARGE is set forth in the \xe2\x80\x9cRate and Fee Table\xe2\x80\x9d you received under separate\ncover and which is made part of this Agreement. The Monthly Periodic FINANCE\nCHARGE for each billing cycle will be calculated by multiplying the Average Daily\nBalance (described below) of your Account for the billing cycle by the Monthly\nPeriodic Rate. The Monthly Periodic Rate is determined by dividing the ANNUAL\nPERCENTAGE RATE by 12 and will change when the ANNUAL PERCENTAGE\n\nRATE changes. ^We add 7.74% to the Prime rate to determine the current\nlowest Daily Periodic Rate used in calculating the FINANCE CHARGE is\n0.02120%, which currently corresponds to an ANNUAL PERCENTAGE RATE of\n10.99%. We add 14.75% to the Prime to determine the highest Daily Periodic\nRate used in calculating the FINANCE CHARGE is 0.04932%, which\ncorresponds to an ANNUAL PERCENTAGE RATE of 18.00%.\nPenalty Pricing: Interest Rate Adjustment Event. An Interest Rate Adjustment\nEvent will occur whenever your Account is two Minimum Payments Past Due.\nWe will change your interest rate to a rate of 18.00% ANNUAL PERCENTAGE\nRATE which is a Monthly Periodic Rate of 1.50% on the first day of the billing\ncycle following the cycle that was two Minimum Payments Past Due. The\nMaximum PENALTY ANNUAL PERCENTAGE RATE is 18.00%. Then after you\nmake 6 consecutive minimum payments to your account, we will change the\ninterest rate to your original rate (the ANNUAL PERCENTAGE RATE that was\napplicable to your account at the time it was opened and any subsequent\nmodification to this rate). The Monthly Periodic Rate and ANNUAL PERCENTAGE\nRATE change to the original rate will become effective the first day of the billing\ncycle following the 6th consecutive billing cycle.\nAn increase in the ANNUAL PERCENTAGE RATE will have the effect of\ndecreasing the portion of any payment applied to reduction of the principal\naccount balance and may, therefore, increase the number of minimum payments\nnecessary to pay off the Account.\n11. CHECKING ACCOUNT OVERDRAFT COVERAGE: Your Card may also\nprovide Overdraft Coverage on your Provident Credit Union checking account. If you\nauthorize us to link your Card Account to your checking account for overdraft\ncoverage and the balance in your checking account is not sufficient to pay the\ntransaction amount, we may treat the transaction as a request to access your VISA\nCredit Line. These transfers will be treated as cash advances. If sufficient credit is\nnot available on your Card Account to cover the amount of the check or other item,\nwe will be unable to initiate a cash advance loan advance under this Agreement for\npurposes of checking account overdraft coverage.\nLimit: Your Checking Account Overdraft Coverage limit will be part of, and not in\naddition to, your total approved Credit Line under this Agreement.\n12. LIABILITY FOR OVERDRAFTS CAUSED BY ANY CHECKING ACCOUNT\nSIGNER: You understand that if advances are made against your Card account\nto cover overdrafts to your checking account created by other persons with the\nright to access said checking account, you will be fully liable for such advances\nnonetheless.\n13. PAYMENTS: We will apply your payments first to any billed fees, then to late\ncharges, then to the FINANCE CHARGE on both purchases and cash advances,\nthen to the principal balances of purchases in the order they were posted to your\naccount, and then to the principal balance of cash advances. If two or more\npurchases were posted on the same day, your payment will be applied to the\nsmallest first.\n14. PERIODIC STATEMENTS and NOTICES: If, at the end of any monthly periodic\ninterval which we may determine (the \xe2\x80\x9cBilling Cycle\xe2\x80\x9d), you have an outstanding\nundisputed debit or credit balance in your account, or if there is an Interest Charge\nimposed with respect to your account, we will send you a periodic statement for\nthat Billing Cycle. Statements and Notices will be mailed to you at the most recent\naddress you have given the Credit Union. Statements and Notices sent to any one\nof you will be considered notice to all.\n15. ACCOUNT STATEMENT: Unless you notify us of a billing error as described\nbelow, you accept your periodic statements as accurate statements of your\nAccount with us.\n16. USE OF THE ACCOUNT BY OTHERS: If you permit another person to use\nyour account, you agree to pay for (1) any transactions made by that person and\n(2) charges imposed on those transactions, even if the amount of the actual use\nexceeds your permission to the extent allowed by applicable law.\n17. LIABILITY FOR UNAUTHORIZED USE: You may be liable for the unauthorized\nuse of your Card. You will not be liable for any unauthorized use that occurs after\nyou notify the Credit Union orally, of the loss, theft or possible unauthorized use. In\nany case, your liability will not exceed $50.00. You may report a lost or stolen Card\nby calling 1-(866) 820-4879.\n18. LOST AND STOLEN CARDS: If you report your Card lost or stolen as provided\nin paragraph 17, then recover or find your Card and fail to notify us immediately of\nthe recovery at 1-(866) 820-4879, you agree to pay us the amount of any reward\n\npreviously paid by us to a retail merchant to recover the Card you reported as lost\nor stolen.\n19. OTHER PROVISIONS: Each of you who signed the Application and/or\nrequested the Account or use the Account is individually and jointly obligated for all\npayments due under this Agreement. The Account has been applied for,\nconsidered, approved and issued in the State of California and all extensions of\ncredit are being made from the State of California. You agree that this Agreement\nshall be governed by and interpreted under California and Federal Law. If any part of\nthis Agreement is not valid, all other parts will remain enforceable.\n20. YOU PROMISE TO PAY: You promise to pay us in United States dollars, by\ncash, check or money order as provided by this Agreement, all such amounts, plus\nFINANCE CHARGES, which arise from such use of the Card or Account by you or\nany other person, and to be jointly and severally liable with such a person, unless\nsuch other person does not have actual, implied, or apparent authority for such use,\nand you received no benefit for the use. Your obligation to pay the amount owed\non your Account continues until paid in full even though an agreement, divorce\ndecree or other court judgment to which the Credit Union is not a party may direct\nsomeone else to pay the Account balance.\n21. MINIMUM PAYMENT REQUIRED: Minimum Monthly Payment. We will mail\nyou a statement every month if your account has a balance. You agree that you\nwill pay each month not less than the minimum monthly payment on or before\nthe scheduled monthly due date. The minimum monthly payment will be 2.5% of\nyour outstanding balance (\xe2\x80\x9cNew Balance\xe2\x80\x9d) or $25.00, whichever is greater. If your\noutstanding balance is $25.00 or less, you agree to pay the balance in full. You\nmay pay in full for all your purchases and cash advances each month, or you may\nrepay in monthly installments. We can accept late payments or partial payments, or\nchecks, drafts, or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without prejudice to our\nrights under this Agreement, which are hereby explicitly reserved. A credit posting\nfrom a merchant or reversal of fees do not constitute a minimum payment. Subject\nto applicable law, the minimum monthly payment may be allocated at the Credit\nUnion\xe2\x80\x99s discretion to pay off lower rate balances, such as promotional offers, before\nhigher rate balances, such as cash advances or purchases. Payments in excess\nof the minimum monthly payment will be allocated to higher rate balances, as\napplicable.\n22. AUTOMATIC PAYMENT OPTION: If you have requested this optional service,\nyou will automatically transfer the amount of the payment requested from your\ndesignated Credit Union account. The payment option can be designated by you as\none of the following: (1) Full Payment; (2) Minimum Periodic Payment; or, (3) a\nspecified dollar amount. If the amount you have designated for payment is greater\nthan the amount of available funds being on deposit on the day of the transfer\nthe transfer has been made, the transfer will be reversed. If you make additional\npayments during the billing cycle, the automatic transfer may still take place on the\nstatement closing date. We may cancel this service if the transfers are not honored\nbecause of insufficient and/or unavailable funds in your deposit account and we will\nnotify you of this action. You may cancel this service at any time, however you\nunderstand that one more transfer(s) may occur if you do not provide sufficient\nnotice for the Credit Union to input the change.\n23. IRREGULAR PAYMENTS: We can accept late payments or partial payments, or\nchecks and money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without prejudice to our rights\nunder this Agreement, which are hereby explicitly reserved.\n24. DEFAULT: Events of Default. You will be in default under the Account and\nAgreement if any of the following events shall occur. (a) If YOU fail to comply with\nthe minimum payment or any other terms or conditions of this Agreement or on any\nother obligation YOU have or will have with you; (b) if YOU try to exceed your credit\nlimit without our permission; (c) if YOU have made any false or misleading statements on any credit application submitted to us; (d) if YOU should die or become\ninsolvent; (e) if a petition should be filed or other proceedings should be started under the Federal Bankruptcy Code, by any authorized signer on the Account, whether or not you have been listed as a creditor; (f) if a Receiver should be appointed or\na writ or order of attachment, levy or garnishment should be issued against you or\nany of your property, assets or income; or, (g) if you should consider that any debts\ndue under this Agreement unsafe or not completely secure or if you should believe,\nin good faith, that the chances of your paying or performing all of your obligations\nunder this Agreement have been impaired.\nIf default occurs under this Agreement, we may, at our option, without notice to you,\nterminate this Agreement, revoke your right to use the Card, and demand that you\nwill pay us immediately all sums which you owe us. Interest will continue to accrue\n\n\x0c'


b'5/18/2016\n\nProvident Credit Union: Credit Cards (Visa): Rates\n\nFor best print results, click on the "Print" link under the on\xc2\xadscreen page headline (available on most\npages).\n\nRATES, FEES, AND TERMS\nShow Information For:\n\nProvident Visa\nWITH REWARDS\nTo see rates, terms, & fees for a different card, select it from the menu above.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\xe2\x80\x94 with Rewards\n\n(Effective May 18, 2016)\n\n9.90% to 14.90% introductory APR on purchases during\nthe first six (6) months on account opening.\nThereafter, your APR for purchases will be\n\n11.90% to\n\n16.90% but will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\xe2\x80\x94 with Rewards\n\n11.90% to 16.90% for six months.\nAfter that the APR will be 13.90% to 18.00%. This APR will\nvary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\xe2\x80\x94 with Rewards\n\nPenalty APR and when it applies\n\n13.90% to 18.00%. This APR will vary with the market\nbased on the Prime Rate.\n\n18.00% APR. This APR may be applied to your account if your\naccount is past due by two minimum payments.\nHow long will the Penalty APR apply? If your APRs are increased for this\nreason, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $.50.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We\nwill 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.\n\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a\nConsumer Financial Protection Bureau credit card, visit the Web site of the Consumer Financial Protection\nBureau.\nhttp://providentcu.org/index.asp?i=visaRates&search=card=platinum\n\n1/1\n\n\x0c'


b'5/18/2016\n\nProvident Credit Union: Credit Cards (Visa): Rates\n\nFor best print results, click on the "Print" link under the on\xc2\xadscreen page headline (available on most\npages).\n\nRATES, FEES, AND TERMS\nShow Information For:\n\nProvident Visa\nWITH REWARDS\nTo see rates, terms, & fees for a different card, select it from the menu above.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n(Effective May 18, 2016)\n\n8.90% to 13.90% introductory APR on purchases during\nthe first six (6) months on account opening.\nThereafter, your APR for purchases will be\n\n10.90% to\n\n15.90% but will vary with the market based on the Prime Rate*.\nAPR for Balance Transfers\n\n10.90% to 15.90% for six months.\nAfter that the APR will be 12.90% to 17.90%. This APR will\nvary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n12.90% to 17.90%. This APR will vary with the market\nbased on the Prime Rate.\n\nPenalty APR and when it applies\n\n18.00% APR. This APR may be applied to your account if your\naccount is past due by two minimum payments.\nHow long will the Penalty APR apply? If your APRs are increased for this\nreason, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $.50.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We\nwill 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.\n\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a\nConsumer Financial Protection Bureau credit card, visit the Web site of the Consumer Financial Protection\nBureau.\nhttp://providentcu.org/index.asp?i=visaRates&search=card=platinum\n\n1/1\n\n\x0c'


b'5/18/2016\n\nProvident Credit Union: Credit Cards (Visa): Rates\n\nFor best print results, click on the "Print" link under the on\xc2\xadscreen page headline (available on most\npages).\n\nRATES, FEES, AND TERMS\nShow Information For:\n\nBusiness Visa\nTo see rates, terms, & fees for a different card, select it from the menu above.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n(Effective May 18, 2016)\n\n9.90% to 14.90% introductory APR on purchases during\nthe first six (6) months on account opening.\nThereafter, your APR for purchases will be\n\n11.90% to\n\n16.90% but will vary with the market based on the Prime Rate*.\nAPR for Balance Transfers\n\n10.90% to 15.90% for six months.\nAfter that the APR will be 12.90% to 17.90%. This APR will\nvary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n18.00%. This APR will vary with the market based on the Prime\nRate.\n\nPenalty APR and when it applies\n\n18.00% APR. This APR may be applied to your account if your\naccount is past due by two minimum payments.\nHow long will the Penalty APR apply? If your APRs are increased for this\nreason, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $.50.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We\nwill 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.\n\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a\nConsumer Financial Protection Bureau credit card, visit the Web site of the Consumer Financial Protection\nBureau.\n\nhttp://providentcu.org/index.asp?i=visaRates&search=card=business&rewards=true\n\n1/1\n\n\x0c'


b'Q. Use of Card and Account by Others: If I so request, you may issue cards\nnot only to me, but also to others who will only be authorized users of the\nAccount. Such additional cards may be imprinted either with my name\nor with the names of the authorized user(s). I agree that if I permit another\nperson to use my Account (whether or not I have told the Credit Union\nthat such person will be using my Account), with or without the Card, PIN,\nthrough issuance of a check from my Business Checking Account that creates an overdraft, or Convenience Check(s), that I will pay for any Purchases\nor Advances made by such person(s) on my Account and any finance or\nother charges imposed on those Purchases and Advances, even if the\namount exceeds my permission.\nIf I have authorized someone to use my Account and I want to terminate\nthat person\xe2\x80\x99s access, I agree that I must notify you in writing; if possible,\nenclosing the Card(s) used by that person, cut in two. After you have\nreceived the notice that this individual is no longer authorized, even if the\ncard is not recovered, my liability ceases for future charges made to the\naccount. I may request you to cancel all cards and establish a new Account\nfor me. If I request you to terminate the use of my PIN by another person,\nyou will cancel my PIN and issue a new PIN.\nR. Transfer of Account: I cannot transfer or assign my Account to any other\nperson or Trust.\nS. Change of Address: I will advise you promptly if I change my mailing\naddress. All written notices and statements from you to me will be considered given when placed in the United States mail, postage prepaid, and\naddressed to me at my current address as it appears in your records.\nT. Irregular Payments: You may accept late payments or partial payments, or\nchecks, drafts or money orders marked \xe2\x80\x9cPayment in Full\xe2\x80\x9d without losing any\nof your rights under this Agreement.\nCosigners-Guarantors. A person who signs this contract even though he\nor she may not be able to borrow under it is called a \xe2\x80\x9ccosigner-guarantor\xe2\x80\x9d.\nA \xe2\x80\x9ccosigner-guarantor\xe2\x80\x9d who signs this contract is liable to you for all loans\nand advances we make under the contract from the time he or she signs it\nuntil those loans are paid in full, no matter how long it takes.\nIf a \xe2\x80\x9ccosigner-guarantor\xe2\x80\x9d wants to stop his or her responsibility for loans\nand advances under this contract, the person must give you a written\nnotice telling you that. Then the person won\xe2\x80\x99t be responsible for any new\nloans and advances made after you received the notice. But, of course,\nhe or she stays liable for the loans and advances made before you got the\nnotice.\nU. Amendments: You may change any part of this Agreement at any time, as\nlong as, when applicable, you give me advance written notice as required\nby law. Any change in terms will apply to my outstanding balance existing\nas of the effective change date as well as to all charges made after that\ndate.\n\nX. Automatic Payment Option: If I have requested this optional service, you\nwill automatically transfer the amount of the payment requested from my\ndesignated Credit Union account. The payment option can be designated\nby me as one of the following: (1) Full Payment; (2) Minimum Periodic\nPayment; or, (3) a specified dollar amount. If the amount I have designated\nfor payment is greater than the amount of available funds being on deposit\non the day of the transfer and the transfer has been made, the transfer\nwill be reversed. If I make additional payments during the billing cycle, the\nautomatic transfer may still take place on the statement closing date. You\nmay cancel this service if the transfers are not honored because of insufficient and/or unavailable funds in my deposit account and you will notify me\nof this action. I may cancel this service at any time, however I understand\nthat one more transfer(s) may occur if I do not provide sufficient notice for\nthe Credit Union to input the change.\nY. Liability for Unauthorized Use: I may be liable for the unauthorized use\nof my Card. I will not be liable for any unauthorized use that occurs after\nI notify Payment Systems for Credit Unions orally, of the loss, theft or\npossible unauthorized use. In any case, my liability will not exceed $50.00.\nI may report a lost or stolen Card by calling 1-(800) 449-7728.\nZ. Lost and Stolen Cards: If I report my Card lost or stolen as provided in\nparagraph Y, then recover or find my Card and fail to notify you immediately\nof the recovery at 1-800 449-7728, I agree to pay you the amount of any\nreward previously paid by you to a retail merchant to recover the Card I\nreported as lost or stolen.\n\nMy Rights and Your Responsibilities After You\nReceived My Written Notice\nYou must acknowledge my letter within 30 days, unless you have corrected\nthe error by then. Within 90 days, you must either correct the error or explain\nwhy you believe the monthly statement was correct.\nAfter you receive my letter, you cannot try to collect any amount I question, or\nreport me as delinquent. You can continue to bill me for the amount I question,\nincluding finance charges, and you can apply any unpaid amount against my\nmaximum credit limit. I do not have to pay any questing amount while you are\ninvestigating, but I am still obligated to pay the parts of my monthly statement\nthat are not in question.\nIf you find that you made a mistake on my monthly statement, I will not have to\npay any finance charges related to any questioned amount. If you didn\xe2\x80\x99t make\na mistake, I may have to pay finance charges, and I will have to make up any\nmissed payments on the questioned amount. In either case, you will send me\na statement of the amount I owe and the date that is due.\nIf I fail to pay the amount that you think I owe, you may report me as\ndelinquent. However, if your explanation does not satisfy me and I write to\nyou within ten days telling you that I still refuse to pay, you must tell anyone\nyou report me to that I have a question about my monthly statement. And you\nmust tell me the name of anyone you reported me to. You must tell anyone\nyou reported me to that the matter has been settled between us when it finally\nis.\n\nVISA Business Credit Card Agreement,\nOverdraft Protection Agreement, and\nTruth In Lending Disclosure Statement\nEffective June 1, 2015\nThis is your Cardholder Agreement with Provident Credit Union which outlines\nthe terms to which you agree by requesting, receiving, signing, using or\nauthorizing another to sign and use, any Credit Card, PIN, Credit Account, or\nother credit devices issued to you here under. This Agreement covers your\nVISA Platinum Business Card. Please read this agreement and keep it for your\nrecords.\nIn this Agreement, the word \xe2\x80\x9cAccount\xe2\x80\x9d means the Credit Card Account\nopened pursuant to this Agreement, including use of your Card, PIN or\nLoan Advance Checks. \xe2\x80\x9cCard\xe2\x80\x9d means one or more cards and \xe2\x80\x9cPIN\xe2\x80\x9d means\nPersonal Identification Number issued with respect to the Account. The words\n\xe2\x80\x9cI,\xe2\x80\x9d \xe2\x80\x9cme,\xe2\x80\x9d \xe2\x80\x9cmy\xe2\x80\x9d which also mean \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus\xe2\x80\x9d and \xe2\x80\x9cour,\xe2\x80\x9d if more than one person,\nmean the person or persons who use or authorize the use of the VISA credit\ncard or sign an application for a VISA credit card. The words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d\n\xe2\x80\x9cyours\xe2\x80\x9d and \xe2\x80\x9ccredit union\xe2\x80\x9d mean Provident Credit Union or its authorized\nagents.\n\nAA. Other Provisions: Each of us who signed the Application and/or requested the Account or use the Account are individually and jointly obligated for\nall payments due under this Agreement. The Account has been applied\nfor, considered, approved and issued in the State of California and all\nextensions of credit are being made from the State of California. I agree\nthat this Agreement shall be governed by and interpreted under California\nand Federal Law. If any part of this Agreement is not valid, all other parts\nwill remain enforceable.\n\nIf you don\xe2\x80\x99t follow these rules, you can\xe2\x80\x99t collect the first $50.00 of the questioned amount, even if my monthly statement was correct.\nIf I have a problem with the quality of property or services that I purchased\nwith a credit card, and I have tried in good faith to correct the problem with the\nmerchant, I may have the right not to pay the remaining amount due on the\nproperty or services. There are two limitations on this right:\n\n1. To obtain cash loans (\xe2\x80\x9cCash Advances\xe2\x80\x9d) up to my maximum credit limit\nfrom financial institutions that accept a VISA credit card;\n\nMy Billing Rights\xe2\x80\x94Keep This Notice for Future Use\n\n1. I must have made the purchase in my home state or, if not within my home\nstate, within 100 miles of my current mailing address, and,\n\n3. By making withdrawals with this Card at an automated teller machine;\n\nThis notice contains important information about my rights and your\nresponsibilities under the Fair Credit Billing Act.\nI Should Notify You In Case of Errors\nor Questions About My Monthly Statement\nIf I think my monthly statement is wrong, or if I need more information about\na transaction on my monthly, I should write you on a separate sheet at the\naddress listed on my monthly statement. I should write you as soon as\npossible. You must hear from me no later than 60 days after you sent me the\nfirst statement on which the error or problem appeared. I can telephone you,\nbut doing so will not preserve my rights.\n\nSpecial Rules for Credit Card Purchases\n\n2. The purchase price must have been more than $50.00.\nThese limitations do not apply if you own or operate the merchant, or if you\nmailed me the advertisement for the property or services.\n\n\xe2\x80\xa2 My full name and account number\n\nW. Skip Payment: At your option, you may not require me to make a Minimum Payment during certain designated billing cycles. If I do not make\nmy Minimum Payment as provided in the Agreement, I understand you\nwill continue to apply Finance Charges to my Account. Beginning with the\nbilling cycle following a skip payment, I agree that all of the provisions of\nthis Agreement shall apply.\n\nIf I have authorized you to pay my card statement automatically from a Credit\nUnion account, I can stop the payment on any amount I think is wrong. To\nstop the payment, my letter must reach you three business days before the\nautomatic payment is scheduled to occur.\n\n2. By use of pre-printed convenience checks that you may issue to me;\n4. By granting merchants telephonic or internet authorization to charge\nproducts or services to my account; or,\n5. By using my Card to charge phone calls.\n6. By issuing checks or drafts or the accrual of any charges against my\nbusiness checking account with Provident Credit Union in excess of its\nbalance (if overdraft feature is available). Advances made by automatic\ntransfer of funds directly into my pre-designated checking account(s)\nmay be in multiples of $100.00 or in the amount of the overdraft depending on which option is available.\nB. Maximum Credit Limit: You will provide me with notice of my maximum\ncredit limit, and I agree you may change my limit at any time. I agree never\nto use my Card when the use will exceed my maximum credit limit. I also\nagree that you are not obligated to extend to me credit for an amount that\n\nIn my letter, I must give you the following information:\n\nV. Cancellation: I can cancel my Account at any time by returning to you\nmy Card, along with a letter requesting that you cancel my Account. You\nmay cancel this Agreement at any time. However, my obligation under this\nAgreement and any charges made under it prior to cancellation will continue\nto apply until I have paid you all the money I owe on the Account.\n\nA. How to Use this Account: I can purchase or lease goods and services\n(\xe2\x80\x9cPurchases\xe2\x80\x9d) from a merchant up to my maximum credit limit by presenting my VISA credit card (\xe2\x80\x9cCard\xe2\x80\x9d) and signing a sales slip for the amount of\nthe Purchase. I may also use my card:\n\n\xe2\x80\xa2 The dollar amount of the suspected error\n\nM-114262\n\n\xe2\x80\xa2 I must describe the error and explain, if I can, why I believe there is an error.\nIf I need more information, I should describe the item I am not sure about.\n\n\xc2\xa9 6/15 PCU ID 12723\n\n\x0cwould make my outstanding balance exceed my maximum credit limit, or\nfor any amount if my outstanding balance is already over the maximum\ncredit limit. Any increases in my maximum credit limit I request may require\nthat I make a written application for your approval. I will pay any amounts\nthat exceed my maximum credit limit upon demand. You may re-evaluate\nmy financial condition if I request a higher credit limit, or at any other time,\nand this may include obtaining a current credit bureau report or screening,\nand/or asking me for current financial information. Based on such a review,\nyou may immediately increase, reduce or even revoke my Account without\nprior written notice.\nC. Monthly Statement: If I have an outstanding debit or credit New Balance\nof $1.00 or more, or if there is any Finance Charge imposed during a\nbilling cycle, you will send me a statement. I agree to pay you for all\nPurchases, Cash Advances, fees and charges, if any, and Finance\nCharges on my Account, all payable in United States dollars. Payment\nchecks must be drawn on a financial institution or other entity domiciled in\nthe United States.\nPosting of my payment will be delayed if I present you a check drawn on a\nnon United States domiciled financial institution or entity. The payment will\nnot be credited to my Account until the funds have been collected in\nUnited States dollars. I agree to allow the Credit Union to debit my account\nfor any collection and processing fees associated with handling this\npayment.\nD. Finance Charges: You will impose Finance Charges as follows:\nPurchases\n1. A Finance Charge is imposed on purchases (except as referred to in\nparagraph 3 below) from the date of posting to my Account to the date\nof repayment.\n2. For each billing cycle:\na) You multiply the Monthly Periodic Rate times the Average Daily Balance\nof Purchases. The Average Daily Balance is the sum of the daily unpaid\nbalances of purchases on each day of the billing cycle covered by my\ncurrent billing statement divided by the number of days in the billing\ncycle. Such unpaid balances are determined by deducting payments\nand credits applied against such unpaid balances and by adding new\npurchases, unpaid finance charges, fees and other charges, in each\ncase, as of the date posted to my Account.\nb) You multiply the Monthly Periodic Rate times the Average Daily Balance\nof Previous Billing Cycle Purchases. The Average Daily Balance of\nPrevious Billing Cycle Purchases is the sum of the unpaid balances\nof purchases itemized on my last billing statement on each day of the\nbilling cycle covered by my last billing statement divided by the number\nof days in the billing cycle. Such unpaid balances are determined by\ndeducting payments and credits applied against such unpaid balances\nand by adding new purchases, unpaid finance charges, fees and other\ncharges, in each case, as of the date posted to my Account.\nc) You add the amounts determined under (a) and (b) to obtain the\nFinance Charge on purchases.\n3. A Finance Charge is not imposed on:\na) New purchases posted during a billing cycle if: (1) I paid the New\nBalance shown on the billing statement covering the preceding billing\ncycle by the Payment Due Date shown on the billing statement or such\nNew Balance was zero and (2) I pay the New Balance shown on the\n\nbilling statement itemizing the new purchases by the Payment Due Date\nshown on that billing statement.\nb) Old purchases previously posted for a billing cycle during which I pay\nthe New Balance shown on the billing statement covering the preceding\nbilling cycle by the Payment Due Date shown on that billing statement.\nCash Advances\n1. A Finance Charge is imposed on cash advances from the date of\ntransaction to the date of repayment.\n2. For each billing cycle:\na) You multiply the Monthly Periodic Rate times the Average Daily Balance\nof Cash Advances. The Average Daily Balance is the sum of the daily\nunpaid balances of cash advances on each day of the billing cycle\ncovered by my current billing statement divided by the number of days\nin the billing cycle. Such unpaid balances are determined by deducting\npayments and credits applied against such unpaid balances and by\nadding unpaid finance charges, in each case, as of the date posted to\nmy Account and by adding new cash advances as of the date of the\ntransaction.\nb) You multiply the Monthly Periodic Rate times the Average Daily Balance of\nPrevious Billing Cycle Cash Advances. The Average Daily Balance of\nPrevious Billing Cycle Cash Advances is the sum of the unpaid balances\nof cash advances itemized on my last billing statement on each day of the\nbilling cycle covered by my last billing statement divided by the number\nof days in the billing cycle. Such unpaid balances are determined by\ndeducting payments and credits applied against such unpaid balances\nand by adding unpaid finance charges, in each case, as of the date posted\nto my Account and by adding new cash advances as of the date of the\ntransaction.\nc) You may also charge a one-time Finance Charge for cash advances\nequal to 3% of the amount of each new cash advances, with a minimum\nFinance Charge of $10.00 (except for cash advances which are made in\nrespect of convenience checks or checks I have written on my business\nchecking account with the Credit Union as an overdraft to this Account).\nThis charge may result in an Annual Percentage Rate for cash advances\nwhich is higher than the Corresponding Annual Percentage Rate.\nd) You add the amounts determined under a), b) and c) to obtain the\nFinance Charge on Cash Advances.\n3. All forms of cash advances, including the use of Convenience Checks\nor overdrafts to your Credit Union checking account, regardless of the\npurpose for which used, shall be subject to the Finance Charges as set\nforth above.\nE. Monthly Periodic Rate (MPR) and Corresponding Annual Percentage\nRates (APR): The following interest rates apply as of June 1, 2015:\n\t\t\nVISA Business Platinum\n\n(Variable) APR\n\nMPR\n\n13.65%\n\n.99%\n\nF. Interest Rate Adjustment Event: An Interest Rate Adjustment Event will\noccur whenever my Account is two (2) Minimum Payments Past Due. You\nwill change my interest rate to a fixed rate of 18% Annual Percentage Rate\nwhich is a Monthly Periodic Rate of 1.50% on the first day of the billing\ncycle following the cycle that was two (2) Minimum Payments Past Due.\nThen, after 12 consecutive billing cycles of my Account being no more\nthan one Minimum Payment Past Due, you will change the interest rate\n\nto my original rate (the Annual Percentage Rate that was applicable to my\naccount at the time it was opened and my subsequent modifications to\nthis rate). The Monthly Periodic Rate and Annual Percentage Rate change\nto the original rate will become effective the first day of the billing cycle\nfollowing the 12th consecutive billing cycle.\nG. Periodic Billing Statements: If I have a balance on my Account at the\nend of a billing cycle, you will furnish a periodic billing statement (normally\nmonthly) itemizing my purchases, advances and where applicable previous\npayments.\nH. Minimum Payment: I agree to pay each statement by remitting to you\n(within 25 days from the date of the billing statement\xe2\x80\x99s closing date) the\nrequired minimum payment due, which will be the greater of 3% of the\noutstanding balance on my Account or $25.00, or the entire outstanding\nbalance if it is $25.00 or less. I have the option of making larger payments\non the Account at any time without penalty.\nI. Fees and Charges:\n1. Late Payment Fee: My Minimum Payment Due will be past due if it is\nnot received by you on or before the Payment Due Date shown on each\nmonthly statement. A fee of $28.00 will be charged to my Account, if\nat least the Minimum Payment Due, including unpaid payments, is not\nreceived by you within 10 days after the Payment Due Date.\n2. Over-limit Fee: If the balance on my account at the end of a billing\ncycle exceeds my maximum credit limit a $15.00 fee will be charged\nto my Account. If my Account remains over-limit in subsequent billing\ncycles, an additional over-limit charge will be posted on the billing date.\n3. Annual Fee: There is no annual fee for the Business Platinum Credit\nCard.\n4. Returned Payment Check Fee: If I make a payment by check and the\ncheck is returned unpaid for any reason, my Account will be charged\n$35.00 for each returned check.\n5. Returned Convenience Check Fee. If I want a Convenience Check\nand it is in excess of my available credit, my payments are not current,\nor you have canceled my Account, it may be returned and my Account\nwill be charged $35.00 for cash returned Convenience Check.\n6. Stop Payment Fee. If I am issued Convenience Checks to access my\nAccount and I stop payment on a check, my Account will be charged\n$35.00 for each stop payment.\n7. Fee for Documents: If I request a copy of a charge slip, billing statement, or other document not in connection with a billing error, you may\ncharge my Account $6.00 for each copy.\n8. Replacement or Additional Card Fee: If I request an additional card to\nreplace the card initially issued to me, for any reason other than the card\nnot being received by me or a defect in its manufacture, or if I request a\ncard for an additional user on my account, you may charge my Account\n$15.00 for each card.\nJ. Convenience Checks: I may request convenience checks, which I may\nwrite against the available credit on my Account. Each time I write a check\nagainst my Account, I authorize you to pay the check when it is presented\nto you. I understand that you will pay checks unless the balance on my\nAccount exceeds the available credit, my payments are not current, or\nyou have canceled my Account for any reason. If I obtain or request any\nadvance in excess of my available credit, you may (but not obligated\nto) honor the transaction and extend credit to me even though this will\n\ncause my balance to exceed by limit; and I agree, immediately upon your\ndemand, to repay to you all amounts you have advanced in excess of my\navailable credit.\nK. Charges Made in Foreign Currency: If I incur a charge in a foreign\ncurrency, the charge will be converted by VISA International into a United\nStates Dollar amount. VISA International will use the procedures set forth\nin its Operating Regulations in effect at the time that the transaction is\nprocessed. Currently those regulations provide that the currency conversion\nrate to be used is either a wholesale market rate or a government mandated\nrate in effect one day prior to the processing date, increased by 1%. The\ncurrency conversion rate in effect on the processing date may differ for the\nrate in effect on the transaction date or on the posting date.\nL. Application of Payments: I agree to make all payments on my account in\nUnited States Dollars which you will apply in the following order: (a) to the\noutstanding balance of the cash advance and loan advance transactions\nmade from my Account; (b) then to the outstanding principal balance of the\npurchase advance transactions made from my Account. If the payments\nand credits received by you within 25 days from the billing date total less\nthan the New Balance, or if a portion of the New Balance includes cash or\nloan advances, the next periodic statement will include a finance charge\nwhich I agree to pay.\nM. Events of Default: I will be in default under the Account and Agreement\nif any of the following events shall occur: (a) If I fail to comply with the\nminimum payment or any other terms or conditions of this Agreement or\non any other obligation I have or will have with you; (b) if I try to exceed\nmy credit limit without your permission; (c) if I have made any false or\nmisleading statements on any credit application submitted to you; (d) if\nI should die or become insolvent; (e) if a petition should be filed or other\nproceedings should be started under the Federal Bankruptcy Code, by\nany authorized signer on the Account, whether or not you have been listed\nas a creditor; (f) if a Receiver should be appointed or a writ or order of\nattachment, levy or garnishment should be issued against me or any of my\nproperty, assets or income; or, (g) if you should consider that any debts\ndue under this Agreement unsafe or not completely secure or if you should\nbelieve, in good faith, that the chances of my paying or performing all of\nmy obligations under this Agreement have been impaired.\nIf default occurs under this Agreement, you may, at your option, without\nnotice to me, terminate this Agreement, revoke my right to use the Card,\nand demand that I pay you immediately all sums which I owe you. Interest\nwill continue to accrue at the contract rate after default.\nN. Right of Set-Off: I understand that you have the right to deduct any\nmoney I owe you for any Minimum Periodic Payment more than 10 days\npast due or the entire Outstanding Balance (if this has become due for any\nreason) from my account(s) I have at any of your offices or from any money\nI have coming from you for any reason, for example, if you are indebted to\nme because of a Certificate of Deposit, Bond, Note or other instrument I\nhave obtained from you.\nO. Collection Costs: I agree that if you assign my Account to an independent collection agency, or file a lawsuit to collect amounts I owe you, that\nI will pay all costs, disbursements and reasonable attorneys\xe2\x80\x99 fees incurred\nby you in legal proceedings to collect or enforce my indebtedness in the\nevent of delinquency by me or in the event of a breach of any obligation by\nme, whether or not a lawsuit is filed.\nP. Ownership of Card: Any Card or other credit instrument which you supply\nto me is your property and must be returned to you immediately upon\ndemand or upon notice of cancellation of my Account.\n\n\x0c'


b'5/18/2016\n\nProvident Credit Union: Credit Cards (Visa): Rates\n\nFor best print results, click on the "Print" link under the on\xc2\xadscreen page headline (available on most\npages).\n\nRATES, FEES, AND TERMS\nShow Information For:\n\nCash Back Visa\nTo see rates, terms, & fees for a different card, select it from the menu above.\n\nInterest Rate and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\n(Effective May 18, 2016)\n\n0.00% introductory APR on purchases during the first fourteen (14)\nmonths on account opening.\nThereafter, your APR for purchases will be\n\n11.24% to\n\n16.24%. This APR will vary with the market based on the Prime\nRate*.\nAPR for Balance Transfers\n\n0.00% introductory APR for the first fourteen (14) billing cycles for\nbalances transferred within 60 days from account opening.\n\n12.24% 17.24%. This APR will\n\nAfter that the APR will be\nto\nvary with the market based on the Prime Rate.\nAPR for Cash Advances\n\n18.00%. This APR will vary with the market based on the Prime\nRate.\n\nPenalty APR and when it applies\n\n18.00% APR. This APR may be applied to your account if your\naccount is past due by two minimum payments.\nHow long will the Penalty APR apply? If your APRs are increased for this\nreason, the Penalty APR will apply until you make six consecutive\nminimum payments when due.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $.50.\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We\nwill 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.\n\nFor Credit Card Tips from the\nTo learn more about factors to consider when applying for or using a\nConsumer Financial Protection Bureau credit card, visit the Web site of the Consumer Financial Protection\nBureau.\n\nhttp://providentcu.org/index.asp?i=visaRates\n\n1/1\n\n\x0c'