b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\n\nVISA ADVANTAGE/VISA PLATINUM/VISA PLATINUM SECURED\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Advantage\n\n2.99%\n\nIntroductory APR for 180 days from account opening.\n\n11.25% to 16.25%\n\nAfter that, your APR will be\n, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum\n\n2.99%\n\nIntroductory APR for 180 days from account opening.\n\n8.25% to 17.99%\n\nAfter that, your APR will be\n, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum Secured\n\n15.25%\nThis APR will vary with the market based on the Prime Rate.\nAPR for Balance Transfers\n\nVisa Advantage\n0.00% Introductory APR for 365 days from account opening.\nAfter that, your APR will be 11.25% to 16.25%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum\n0.00% Introductory APR for 365 days from account opening.\nAfter that, your APR will be 8.25% to 17.99%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum Secured\n15.25%\nThis APR will vary with the market based on the Prime Rate.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n00601975-MXC10-C-1-112019 (MXC101-E)\n\n\x0cAPR for Cash Advances\n\nVisa Advantage\n11.25% to 16.25%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum\n8.25% to 17.99%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum Secured\n15.25%\nThis APR will vary with the market based on the Prime Rate.\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 will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nTransaction Fees\n- Balance Transfer Fee - Visa Advantage,\nVisa Platinum\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\n2.00% of the amount of each balance transfer\n3.00% of the amount of each cash advance\n2.00% of each transaction in U.S. dollars\nUp to $25.00\nUp to $25.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR - Visa Advantage and Visa Platinum:\nThe Introductory APR for purchases will apply to transactions posted to your account during the first 180 days following\nthe opening of your account. The Introductory APR for balance transfers will apply to transactions posted to your account\nduring the first 90 days following the opening of your account. Any existing balances on Sikorsky Financial Credit Union,\nInc. loan or credit card accounts are not eligible for the Introductory APR for balance transfers.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: April 14, 2020.\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Advantage, Visa Platinum and Visa Platinum Secured are secured credit cards.\nCredit extended under this credit card account is secured by various personal property and money including, but\nnot limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral\nfor this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the\nCredit Union excluding shares in an Individual Retirement Account or in any other account that would lose\nspecial tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit\nUnion excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods\nwhen you are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\n\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n00601975-MXC10-C-1-112019 (MXC101-E)\n\n\x0cOther Fees & Disclosures:\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a\npayment.\nBalance Transfer Fee (Finance Charge) - Visa Advantage, Visa Platinum:\n2.00% of each balance transfer during the promotional period only.\nCash Advance Fee (Finance Charge):\n3.00% of each cash advance.\nReturned Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less.\nCard Replacement Fee:\n$10.00.\nDocument Copy Fee:\n$5.00.\nPay-by-Phone Fee:\n$15.00.\nStatement Copy Fee:\n$5.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n00601975-MXC10-C-1-112019 (MXC101-E)\n\n\x0c'


b'9/9/2021\n\nCato Fashions | Your Style. Delivered.\n\nFree Ship to Store\n\n\xef\x80\x87 SIGN IN\n\n\xef\x88\x8e\n\n\xef\x81\x81 STORE LOCATIONS\n\n\xef\x8a\x90\n0 SHOPPING BAG\n\nSearch\n\n\xef\x92\xa4\n\nMENU\n\nAPPLY FOR CATO CREDIT ISSUED BY CEDAR HILL NATIONAL BANK\n\nPlease review the Cato Credit Card Agreement and Your Billing Rights below, then select a response at the bottom of this page.\n\nCato Credit Card Agreement\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate (APR) for Purchases\nHow to Avoid Paying Interest on Purchases\n\n22.9%\nYour due date is at least 28 days after the close of each billing cycle. We will not charge you any interest on purchases if you\npay your entire balance by the due date each month.\n\nMinimum Interest Charge\n\nIf you are charged interest, the charge will be no less than $1.00.\n\nFor Credit Card Tips from the Consumer\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial\n\nFinancial Protection Bureau\nINTEREST RATES AND INTEREST CHARGES\nFEES\n\nProtection Bureau at www.consumerfinance.gov/learnmore\n\nhttps://secure.catofashions.com/credit/agreement\n\n1/9\n\n\x0c9/9/2021\n\nCato Fashions | Your Style. Delivered.\n\nFEES\nAnnual Fee\n\nNone\n\nPenalty Fees\nLate Payment\n\nUp to $20\n\nReturned Payment\n\nUp to $25\n\nHow We Will Calculate Your Balance: We use a method called "Average Daily Balance (including new purchases)." See your account agreement for more details.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement below.\nThis is your Consumer Credit Card Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d) with Cedar Hill National Bank (CHNB). This Agreement governs the use of your Cato Credit Card Account. Your\nhandwritten, electronic, or digital signature on the application indicates that you agree to comply with the terms in this Agreement. The information about the costs of the card\ndescribed in this Agreement is accurate as of November, 2019. This information may have changed after that date. To find out what may have changed, write to us at CHNB, PO Box\n34216, Charlotte, NC 28234.\n1. AGREEMENT TERMS. The word Card refers to any credit cards issued to you or to an authorized user by Cedar Hill National Bank. The word Account refers to your Cato Credit\nCard Account. The words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and \xe2\x80\x9cyours\xe2\x80\x9d refer to you, the Cardholder, and any person or persons who also are contractually liable under this Agreement. The words \xe2\x80\x9cwe,\xe2\x80\x9d\n\xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cour\xe2\x80\x9d refer to Cedar Hill National Bank and any person or entity to whom or to which this Agreement may be assigned.\n2. ACCEPTANCE OF AGREEMENT. The use of your Account or the Card by you or anyone whom you authorize or permit to use your Account or the Card means you accept this\nAgreement.\n3. USE OF YOUR ACCOUNT AND THE CARD. You agree that you will only use your Account or the Card for personal, family, and household purposes. You may use your Account or\nthe Card at any Cato, It\xe2\x80\x99s Fashion, or CatoFashions.com. Prior to use, each Card must be signed by the person to whom it is issued.\n4. PROMISE TO PAY. You agree to pay us in U.S. Dollars for all purchases, including applicable Interest Charges and other charges or fees, incurred by you or anyone you authorize\nor permit to use your Account or the Card, even if you do not notify us that others are using your Account or the Card. All checks must be drawn on funds on deposit in the U.S. We\ncan accept late payments or partial payments or checks and money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d without losing any of our rights under this agreement.\n5. INTEREST CHARGES. If the payments and credits in any billing period are less than the Previous Balance shown on your monthly statement for that period, Interest Charges will\nbegin to accrue on the first day of that billing period. Partial payments made on balances that were subject to a grace period will be credited as of the first day in the billing cycle.\nThe Interest Charge will be computed as follows: We will take the balance on your account at the beginning of each day of your billing period. To this beginning balance (including\nany unpaid Interest Charges and unpaid late fees) we will add any new purchases and fees and we will subtract any new payments and credits. This is the Daily Balance. The Daily\nBalances for each day of the billing period are added together and divided by the number of days in the billing period. This gives us the Average Daily Balance. To the Average Daily\nBalance, we will apply the monthly periodic rate of 1.9083% (Corresponding annual percentage rate 22.9%) to determine the Interest Charge.\n6. A MINIMUM INTEREST CHARGE. We will charge you a minimum Interest Charge of $1 for any Billing Cycle in which an Interest Charge of less than $1 could otherwise be\ncharged.\n7. MONTHLY STATEMENTS; BILLING CYCLES. We will send you a statement after each monthly Billing Cycle in which you have a debit or credit balance, an Interest Charge is\nimposed, or applicable law requires us to send a Statement. The Statement will show the Previous Balance, Payments and Credits, Purchases, Interest Charges, other Fees and\nCharges, Payment Due Date, New Balance and Minimum Payment Due. Purchases will be identified by the amount and date of the transaction, and an abbreviated merchandise\ndescription. A Billing Cycle means the days between Statement Closing Dates.\n8. METHODS OF PAYMENT. You may at any time pay the entire New Balance shown on your billing statement, but each month you must pay at least the Minimum Payment Due.\nhttps://secure.catofashions.com/credit/agreement\n\n2/9\n\n\x0c9/9/2021\n\nCato Fashions | Your Style. Delivered.\n\n8. METHODS OF PAYMENT. You may at any time pay the entire New Balance shown on your billing statement, but each month you must pay at least the Minimum Payment Due.\nAll payments must be mailed or delivered to us at the address shown on your monthly billing statement. All payments will be applied in the following order: Interest Charges and\nother charges or fees and purchases in the order made.\n9. MINIMUM MONTHLY PAYMENT. If your \xe2\x80\x98New Balance\xe2\x80\x99 is $200 or less, your minimum monthly payment is $10.00 or the balance whichever is less. If your account balance is\ngreater than $200, the minimum monthly payment is 5% of the New Balance The minimum payment will include any past due amounts or payment shortfalls rounded up to the next\nhighest dollar.\n10. CREDIT LIMIT. We may increase or decrease your available credit from time to time. We have the right at any time to limit or terminate the use of your Account without giving\nyou notice in advance, unless we are required to give you notice by law. If you exceed or attempt to exceed your line of credit, you may be declared in default.\n11. CREDIT BALANCES. We will refund any credit balance within seven business days from receipt of your written request mailed to us at CHNB, PO Box 34216, Charlotte, NC 28234.\n12. GRACE PERIOD. You will have a grace period of at least 28 days from your closing date in which to pay your balance in full each month. If the balance on your account is paid in\nfull within this grace period, no Interest Charge will be added to your account.\n13. LATE PAYMENT FEE. A Late Payment Fee of up to $20.00 will be added to your account for each billing period in which you fail to make a minimum payment within 10 days\nafter your payment due date. If you do not make at least the Minimum Payment Due by the Payment Due Date each month, you will be in default.\n14. RETURNED PAYMENT FEE. A Returned Payment Fee of up to $25.00 will be assessed on accounts, as permitted by law, whenever a check or other payment device presented on\nan account is returned to us unpaid by your bank or financial institution.\n15. PAY BY PHONE FEE. Each time you ask a customer service representative to assist you in making an expedited automated payment from your bank account, we may add a\nservice fee to the balance of your account if permitted by applicable law. The amount of the fee will be disclosed at the time you request this optional payment service.\n16. DEFAULT/COLLECTION COSTS. Your account will be in default if you fail to comply with the terms of this Agreement, subject to any restrictions under applicable law. If that\nhappens, we may tell you to pay us immediately everything you owe under the Account and applicable law. We will tell you in advance and/or give you an opportunity to cure your\ndefault only if applicable law requires us to do so. If you are in default and we refer the collection on your Account to an attorney, we may charge to you reasonable attorney\xe2\x80\x99s fees\nand court or other collection costs as permitted by law.\n17. LIABILITY FOR UNAUTHORIZED USE. If you notice the loss or theft of your credit card or a possible unauthorized use of your card, you should write to us immediately at: CHNB,\nPO Box 34216, Charlotte, NC 28234, or call us at 877-557-3526. You will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for\nunauthorized use that occurs before your notice to us. In any case, your liability will not exceed $50.00.\n18. CHANGE OF TERMS. We may change any term or part of this AGREEMENT, including Interest Charge rates, fees or the method of computing any balance upon which the\nInterest Charge rate is assessed. We will give you notice of any change as required by applicable law. Your express written agreement to such change or the use of your Account\nor the Card on or after the effective date of the change means that you accept and agree to the change. We have the right to change your terms, rates, and fees at any time, for any\nreason, in accordance with the credit card agreement and applicable law.\n19. CREDIT AUTHORIZATION. Some purchases will require our prior authorization and you may be asked to provide identification. If our authorization system is not working, we may\nnot be able to authorize a transaction, even if you have sufficient available credit. We will not be liable to you if this occurs.\n20. CREDIT INVESTIGATION AND REPORTING. You authorize us to investigate and verify your credit, employment and income records. You understand and agree that we may\nrequest a consumer report from a consumer reporting agency in considering your Application for this Account and later in connection with updates, renewals, extensions of credit,\nor to collect amounts owed on your Account. Upon your request we will tell you whether a consumer report was requested and the name and address of any consumer reporting\nagency that furnished the report. You agree we may report your performance under this Agreement to consumer reporting agencies and others who may properly receive the\ninformation. If you believe we have reported inaccurate information about you to a consumer reporting agency, please contact us at PO Box 34216, Charlotte, NC 28234. When you\nnotify us, provide your name, address, Cato Account Number and identify the inaccurate information and tell us why you believe it is inaccurate. If you have a copy of the credit\n\nhttps://secure.catofashions.com/credit/agreement\n\n3/9\n\n\x0c9/9/2021\n\nCato Fashions | Your Style. Delivered.\n\nreport that includes the inaccurate information, please send a copy of that report to us as well.\n21. PHONE CALLS. You authorize us or our servicers, assignees, or third party debt collectors to contact you by telephone about your Account. You agree that we may contact you\nusing an automated dialing device (\xe2\x80\x9cAutodialer\xe2\x80\x9d) and that these calls will not be \xe2\x80\x9cunsolicited\xe2\x80\x9d calls for the purpose of state or federal law. When you give us a wireless telephone\nnumber, you consent to receiving autodialed and prerecorded message calls from us or our servicers, assignees, or third party debt collectors at that number. We may monitor\nand/or record telephone calls between you and us to assure we are providing you with our high standard of customer service. You agree that monitoring and/or recording may be\ndone and that no additional approval from you is needed.\n22. CANCELLATION. You may cancel your Account by notifying us in writing at CHNB, PO Box 34216, Charlotte, NC 28234 and returning the Card to us cut in half. You will still be\nresponsible for paying any amount owed us according to the terms of this Agreement. We may cancel or suspend your Account at any time for any reason without giving you notice\nin advance unless we are required to give you notice by law. You still must pay the full amount you owe us, and the Agreement will continue to apply to any unpaid balance. The\nCard is our property. You must return it to us or our agent upon request. If you want to cancel the authorized or permitted use of your Account or the Card by another person, please\nnotify us in writing at CHNB, PO Box 34216, Charlotte, NC 28234, recover, cut in half and return to us any Card in such person\xe2\x80\x99s possession.\n23. CHANGE OF ADDRESS. You agree to notify us promptly in writing if you have changes in your name, residence or billing address. We will continue to send monthly statements\nand other notices to the last address we have on file for your account until we receive and process your new address. Any notice required by law will be deemed received if mailed\nto your current address.\n24. ASSIGNMENT OF ACCOUNT. We may sell, assign, or transfer your Account or any portion thereof without notice to you. You may not sell, assign, or transfer your Account.\n25. ELECTRONIC CHECK PROCESSING. When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic fund\ntransfer from your account or to process the payment as a check transaction. Funds may be withdrawn from your account as soon as the same day and you will not receive the\ncheck back from your financial institution. If your check is returned for any reason, you may have to pay a returned payment fee of up to $25.\n26. GOVERNING LAW. You understand and agree that this Agreement is entered into between you and us in North Carolina and any credit we extend to you is extended from North\nCarolina. You further understand and agree that this Agreement is governed only by applicable federal law and the law of the State of North Carolina, whether or not you live in\nNorth Carolina and whether or not you use your credit card in North Carolina.\n27. SEVERABILITY. If any provision of this Agreement is finally determined to be unenforceable under any law, rule, or regulation, all other provisions of this Agreement will still be\nvalid and enforceable.\n28. WAIVER. We may, at our discretion from time to time without notice, waive any of our rights under this Agreement in certain circumstances. We can waive our rights without\naffecting our other rights. If we waive any right, we do not waive the same right in other circumstances or at other times.\n29. MILITARY LENDING ACT. Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In\ngeneral, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as\napplicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for\na credit card account).\nYou may contact us toll-free at 877-557-3526 for information about the Military Annual Percentage Rate and/or your payment schedule.\n30. CORRESPONDENCE. Mail legal and attorney correspondence to CHNB, PO Box 34216, Charlotte, NC 28234.\nNOTICES:\nCALIFORNIA RESIDENTS: If you are married, you may apply for a separate account.\nNJ RESIDENTS: Certain provisions of this Agreement are subject to applicable law. As a result, they may be void, unenforceable or inapplicable in some jurisdictions. None of these\nprovisions, however, are void, unenforceable or inapplicable in New Jersey.\nhttps://secure.catofashions.com/credit/agreement\n\n4/9\n\n\x0c9/9/2021\n\np\n\npp\n\ny\n\nCato Fashions | Your Style. Delivered.\n\nOHIO RESIDENTSThe Ohio laws against discrimination require that all creditors make credit equally available to all creditworthy customers and that credit reporting agencies\nmaintain separate credit histories on each individual upon request. The Ohio Civil rights Commission administers compliance with this law.\nNEW YORK RESIDENTS: New York residents may contact the New York State Banking Department at 1-800-518-8866 to obtain a comparative listing of credit card rates, fees and\ngrace periods.\nWISCONSIN RESIDENTS: No provision of any marital property agreement, unilateral statement under Wis. Stat. Section 766.59 or a court decree under Wis. Stat. Section 766.70\nshall adversely affect the interest of CHNB unless CHNB, prior to the time credit is granted, is furnished a copy of the agreement, statement or decree or has actual knowledge of the\nadverse provision when the obligation to CHNB is incurred.\nItem # 4-321 Rev. 11/19\nIMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT\nTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that\nidentifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will\nallow us to identify you. We may also ask to see your driver\'s license or other identifying documents.\n\nYour Billing Rights: Keep This Document For Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at: Cedar Hill National Bank, PO Box 34216, Charlotte, NC 28234.\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 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 to stop payment on the amount you think is wrong. You must notify us of any potential errors in\nwriting. You may call us, but if you do we are not 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 you if we have already 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 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 on 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 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:\nhttps://secure.catofashions.com/credit/agreement\n\n5/9\n\n\x0c9/9/2021\n\nCato Fashions | Your Style. Delivered.\n\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 related 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 applicable interest and fees. We will send you a statement of the amount you owe\nand the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as\ndelinquent without also reporting that you are questioning your bill. We 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 even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may\nhave the right to not pay the remaining amount due on the purchase. To 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 purchase price must have been more than $50. (Note:\nNeither of these are necessary if your purchase was based on an 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 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 at:\nCedar Hill National Bank\nPO Box 34216\nCharlotte, NC 28234\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you\nowe an amount and you do not pay, we may report you as delinquent.\n\nPRIVACY POLICY\nRev 08/2010\nWHAT DOES CEDAR HILL NATIONAL BANK (ISSUER OF THE CATO CREDIT CARD) DO WITH YOUR PERSONAL INFORMATION?\nWhy?\n\nFinancial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us\nto tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.\nThe types of personal information we collect and share depend on the product or service you have with us. This information can include:\n\xe2\x80\xa2 Social Security number and account balances\n\nWhat?\n\n\xe2\x80\xa2 payment history and credit history\n\xe2\x80\xa2 credit scores and transaction history\nWhen you are no longer our customer, we continue to share your information as described in this notice.\n\nHow?\n\nAll financial companies need to share customers\' personal information to run their everyday business. In the section below, we list the reasons financial companies can\nshare their customers\' personal information; the reasons Cedar Hill National Bank chooses to share; and whether you can limit this sharing.\n\nREASONS WE CAN SHARE YOUR PERSONAL INFORMATION\nhttps://secure.catofashions.com/credit/agreement\n\nDOES CEDAR HILL NAT\'L\nBANK SHARE?\nDOES CEDAR HILL NAT\'L\n\nCAN YOU LIMIT THIS\nSHARING?\nCAN YOU LIMIT THIS\n\n6/9\n\n\x0c9/9/2021\n\nCato Fashions | Your Style. Delivered.\n\nREASONS WE CAN SHARE YOUR PERSONAL INFORMATION\n\nDOES CEDAR HILL NAT L\nBANK SHARE?\n\nFor our everyday business purposes \xe2\x80\x93 such as to process your transactions, maintain your account(s), respond to court\n\nCAN YOU LIMIT THIS\nSHARING?\n\nYes\n\nNo\n\nFor our marketing purposes \xe2\x80\x93 to offer our products and service to you\n\nNo\n\nWe don\'t share\n\nFor joint marketing with other financial companies\n\nNo\n\nWe don\'t share\n\nFor our affiliates\' everyday business purposes \xe2\x80\x93 information about your transactions and experiences\n\nNo\n\nWe don\'t share\n\nFor our affiliates everyday business purposes \xe2\x80\x93 information about your creditworthiness\n\nNo\n\nWe don\'t share\n\nFor nonaffiliates to market to you\n\nNo\n\nWe don\'t share\n\norders and legal investigations, or report to credit bureaus\n\nQuestions? Call 1-877-557-3526 or go to www.catofashions.com\nWHO WE ARE\nWho is providing this notice?\n\nCedar Hill National Bank\n\nWHAT WE DO\nHow does Cedar Hill National Bank protect\n\nTo protect your personal information from unauthorized access and use, we use security measures that comply with federal law.\n\nmy personal information?\n\nThese measures include computer safeguards and secured files and buildings.\nWe collect your personal information, for example, when you:\n\nHow does Cedar Hill National Bank collect\nmy personal information?\n\n\xe2\x80\xa2 open an account or give us your contact information\n\xe2\x80\xa2 pay us by check or show your driver\'s license\n\xe2\x80\xa2 show your government-issued ID\nWe also collect your personal information from others, such as credit bureaus, affiliates or other companies.\nFederal law gives you the right to limit only:\n\xe2\x80\xa2 sharing for affiliates\' everyday business purposes \xe2\x80\x93 information about your creditworthiness\n\nWhy can\'t I limit all sharing?\n\n\xe2\x80\xa2 affiliates from using your information to market to you\n\xe2\x80\xa2 sharing for nonaffiliates to market to you\nState law and individual companies may give you additional rights to limit sharing.\n\nDEFINITIONS\nAffiliates\nhttps://secure.catofashions.com/credit/agreement\n\nCompanies related by common ownership or control. They can be financial or nonfinancial companies.\n\xe2\x80\xa2 Cedar Hill National Bank does not share with our affiliates.\n7/9\n\n\x0c9/9/2021\n\nCato Fashions | Your Style. Delivered.\n\nCompanies not related by common ownership or control. They can be financial or nonfinancial companies.\n\nNonaffiliates\n\n\xe2\x80\xa2 Cedar Hill National Bank does not share with nonaffiliates so they can market to you.\nA formal agreement between nonaffiliated financial companies that together market financial products or services to you.\n\nJoint marketing\n\n\xe2\x80\xa2 Cedar Hill National Bank does not jointly market.\n\nPlease print and save a copy of these terms and conditions for your records.\n\nI ACCEPT and agree with the above terms and conditions.\n\nI DO NOT ACCEPT the above terms and conditions.\n\nProceed with the Application\n\nBack to Home Page\n\nRELATED PAGES:\nCato Ponte Pants\nGift Card\nCUSTOMER SERVICE 1.800.758.CATO (2286)\n\nEMAIL SIGN UP\nSign up for our emails & get the latest Cato Fashion news updates.\n\n\xef\x84\xa5\n\nNEED STYLING TIPS OR SUGGESTIONS?\nLet us know, we\'re here to help!\nStyleMe@CatoFashions.com\n\nhttps://secure.catofashions.com/credit/agreement\n\n8/9\n\n\x0c9/9/2021\n\nCato Fashions | Your Style. Delivered.\n\nMY ACCOUNT\n\n\xef\x92\x89\n\nCUSTOMER SERVICE\n\n\xef\x92\x89\n\nABOUT CATO\n\n\xef\x92\x89\n\nPOPULAR SEARCHES\n\n\xef\x92\x89\n\n\xef\x88\xb1\n\n\xef\x89\x83 \xef\x8a\xb1\n\n\xef\x88\xbd\n\n\xef\x8d\x91\n\nCopyright @ 2021 - The Cato Corporation, All Rights Reserved.\nTERMS OF USE\n\nhttps://secure.catofashions.com/credit/agreement\n\n|\n\nPRIVACY POLICY (UPDATED 10/30/18)\n\n|\n\nACCESSIBILITY\n\n|\n\nCA RESIDENTS\n\n|\n\nSITE MAP\n\n9/9\n\n\x0c'


b'Fees\nAnnual Fee\n- Annual Fee - Visa Platinum\n- Annual Fee - Visa Classic\n- Annual Fee - Visa Secured\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nNone\nNone\n$30.00\n1.00% of each multiple currency transaction in U.S. dollars\n0.80% of each single currency transaction in U.S. dollars\nUp to $35.00\nUp to $30.00\n\nHow We Will Calculate Your Balance. We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nEffective Date.\nThe information about the costs of the card described in this application is accurate as of June 1, 2014.\nThis information may have changed after that date. To find out what may have changed, contact\nact\nct the Credit Union.\n\nF\nO\n\nOTHER DISCLOSURES\nLate Payment Fee\n\nReturned Payment Fee\n\nStatement Copy Fee\nDocument Copy Fee\nRush Fee\nEmergency Card Replacement Fee\nCard Recovery Fee\n\n$26.00 or the amount of the required\nuired minimum payment, whichever is\nless, if you are three (3) orr more days late in making a payment. In th\nthe\nevent you fail to make\nake a payment\nyment on time in any of the six (6) billing\nbilli\ncycles following\nngg the initial violation, you will be charged $35.00 or the\nth\namount off the required minimum payment, whichever is less.\n$25.00\n5.000 or the amount of the required minimum payment,\npaymen whichever\nis less. In the event a payment is returned in the\nth same\nsa or in any of the\nsix (6) billing cycles following the initial violation,\nyou will be charged\nviola\nviol\n$30.00 or the amount of the required minimum payment, whichever\niss less.\n$1.00\n$12.00\n$12.0\n$35.00\n$\n$150.00\n$1\n$65.00\n$6\n$65.\n\nP\n\nO\nR\n\nPlease return completed\nApplication to the address\nbelow in a stamped envelope.\nCut off the Application and\nSolicitation Disclosure\nand retain for your records.\n\nF\nO\nO\n\nFIELDSTONE CREDIT\nEDIT UNION\n395 NORTH KINZIE\nINZIE AVENUE\nBRADLEY\nRADLEY\nY IL 60915\n\nR\nP\n\nDO NOT M\nMAIL\nTHIS FORM\nWITHOUT AN\nW\nENVELOPE\n\nCredit Card\nApplication\n\nVisa\n\n395 North Kinzie Avenue\nBradley, IL 60915\n(815) 929-1870\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12 All Rights Reserved\n\n1-28FDFN00\nCCM002\nAXC104\n\n\x0cCredit Card Application\n\nHOME PHONE\n(\n\n)\n\nBUSINESS PHONE/\nE/ EXT\nEXT.\n\n\xe2\x96\xa0 Co-Applicant\n\n(\n\n)\n\nBUSINESS PHONE/ EXT.\n\n$\n\nMONTHLY PAYMENT\n\nINTEREST RATE\n\n%\n\nGROSS\nS\n\nSOURCE\nS\n\n$________________ PER ________________\n\nFOR\nCREDIT UNION\nUSE ONLY\n\nX\n\n(SEAL)\n\nDATE\n\nCREDIT COMMITTEE OR LOAN OFFICER\nFFICER SIGNATURE _____________________________________________________________________________________\n____\n\nOTHER SIGNATURE\n\nNO. OF CARDS _____ CREDIT LIMIT $_______________________\n______________\nCREDIT CARD NUMBER ____________________________________________________\n\nDATE\n\nDECLINED\n\n(SEAL)\n\n2. You understand that the use of your card will constitute acknowledgment\nof receipt and agreement to the terms of the credit card agreement and\ndisclosures. You grant us a security interest in all individual and joint share\nand/or deposit accounts you have with us now and in the future to secure your\ncredit card account. When you are in default, you authorize us to apply the\nbalance in these accounts to any amounts due. Shares and deposits in an\nIndividual Retirement Account, and any other account that would lose special\ntax treatment under state or federal law if given as security, are not subject to\nthe security interest you have given in your shares and deposits.\n\nDATE\n\nAPPROVED\n\nAPPLICANT\xe2\x80\x99S SIGNATURE\n\nX\n\n1. You promise that everything you have stated in this application is correct to\nthe best of your knowledge. If there are any important changes you will notify us\nin writing immediately. You authorize the Credit Union to obtain credit reports in\nconnection with this application for credit and for any update, increase, renewal,\nextension, or collection of the credit received. You understand that the Credit\nUnion will rely on the information in this application and your credit report to make\nits decision. If you request, the Credit Union will tell you the name and address\nof any credit bureau from which it received a credit report on you. It is a crime\nto willfully and deliberately provide incomplete or incorrect information in this\napplication.\n\nSignatures\n\nSIGNATURE FOR WISCONSIN RESIDENTS ONLY\n\nX\n\nNET\n\n$________________\n__ PER\nER ________________\n\nOTHER INCOME\n\nWISCONSIN RESIDENTS ONLY: (1) No provision of any marital property agreement,\nunilateral statement under Section 766.59, or court decree under Section 766.70 will\n\nSOURCE\n\n$________________ PER ________________\n\nEMPLOYMENT INCOME\nCOME\n\nadversely affect the rights of the Credit Union uunless the Credit Union is furnished a\ncopy of the agreement,\nent,\nnt, statement or decree, or has actual knowledge of its terms,\nbefore the credit is granted\naccount is opened. (2) Please sign if you are not\nanted or the aaccou\napplying for this account\nnt or loan with your spouse. The credit being applied for, if\ngranted, will be incurred in th\nthe interest of the marriage or family of the undersigned.\n\nGROSS\n\nOTHER INCOME\n\nOHIO RESIDENTS ONLY: The Ohio laws against\nState Law Notices discrimination require that all creditors make credit\nequally available to all creditworthy customers, and that\ncredit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n\nNET\n\n$________________ PER ________________\n\nEMPLOYMENT INCOME\n\nNOTICE: ALIMONY,\nMONY, CHILD SUPPORT, OR\nO SEPARATE\nSEPA\nMAINTENANCE INCOME NEED NOT BE REVEALED\nIF YOU\nU DO NOT CHOOSE TO HAVE IT CONSIDERED.\n\n$\n\nMORTGAGE BALANCE\n\nMORTGAGE / RENT OWED TO:\n\nOWN\nRENT\nYEARS AT THIS\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ADDRESS\n\n)\n\nCELL PHONE\n\nNOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED\nIF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.\n\n%\n\nHOME PHONE\n\n(\n)\n(\nPRESENT ADDRESS (Street - City - State - Zip)\nPRESEN\nPR\n\nBIRTH DATE\n\nADDRESS\nE-MAIL ADD\n\nDRIVER\xe2\x80\x99S LICENSE NUMBER / STATE\nDRIVER\nDRIVER\xe2\x80\x99\n\n\xe2\x96\xa0 Other\n\nACCOUNT NUMBER\n\nSOCIAL SECURITY NUMBER\n\n\xe2\x96\xa0 Spouse\n\nCOMPLETE\nMPLETE\nLETE FOR JOINT CREDIT\nCREDIT, S\nSECURED CREDIT OR IF YOU LIVE IN A COMMUNITY\nPERTY\nERTY STATE:\nPROPERTY\nARRIED\nED\nSEPARATED\nMARRIED\nUNMARRIED (Single - Divorced - Widowed)\nSTART\nEmployment/Income\nyment/Income\nDATE\nNAME AND\nND\nADDRESS OF . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\nEMPLOYER\n\n$\n\n$\n\nINTEREST RATE\n\nOther:\nO\n\nNAME (Last - First - Initial)\nNA\nNAM\n\nCOMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY\nPROPERTY STATE:\nMARRIED\nSEPARATED\nUNMARRIED (Single - Divorced - Widowed)\nSTART\nEmployment/Income\nDATE\nNAME AND\nADDRESS OF . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .\nEMPLOYER\n\nMONTHLY PAYMENT\n\nMORTGAGE BALANCE\n\nMORTGAGE / RENT OWED TO:\n\nOWN\nRENT\nYEARS AT THIS\nS\n. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . ADDRESS\n\n)\n\nACCOUNT\nNT\nT NUMBER\n\nSOCIAL SECURITY NUMBER\nER\n\nCELL PHONE\n\n(\n)\n(\nPRESENT ADDRESS (Street - City - State - Zip)\n\nBIRTH DATE\n\nE-MAIL ADDRESS\n\nDRIVER\xe2\x80\x99S LICENSE NUMBER / STATE\n\nNAME (Last - First - Initial)\n\nApplicant\n\nCheck below to indicate the type of credit for which you are applying. Married Applicants may apply for a separate account.\n\xe2\x9d\x92 Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if: (1) you live in or the property\npledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI); (2) your spouse will use the account; or\n(3) you are relying on your spouse\xe2\x80\x99s income as a basis for repayment. If you are relying on income from alimony, child support, or separate\nmaintenance, complete the Other section to the extent possible about the person on whose payments you are relying.\n\xe2\x9d\x92 Joint Credit: Each applicant must individually complete the appropriate\nrop\nropr\nsection below. If Co-Borrower is spouse of the applicant, mark the\nCo-Applicant box.\nGuarantor: Complete the Other section if you are a guarantor\naccount/loan.\nntor on an accoun\n\xe2\x9d\x92 Credit Limit Requested: $ _____________________\n\nA table that includes required credit\ncard disclosures is provided with this\nApplication. To obtain any change in\n395 North Kinzie Avenue the required information since it was\nBradley, IL 60915\nprinted, write to us at the address\n(815) 929-1870\nstated on this Application.\n\nF\nO\nO\nR\nP\n\nF\nO\nO\nR\nP\n\n\xef\x80\xa3 Detach\nch and Retain Disclosur\nDisclosure for Your Records\n\n395 North Kinzie Avenue\nVISA PLATINUM /\nBradley, IL 60915\nVISA CLASSIC / VISA SECURED\n(815) 929-1870\nApplication and Solicitation Disclosure\n\nInterest Rates and Interest Charges\n\nAnnual Percentage Rate (APR) for\nPurchases\n\nAPR for Balancee Transfers\nnsfers\n\nAPR for C\nCash Advances\n\nVisa Platinum\n\n9.99%\n\nVisa Classic\n\n12.99%\n99%\n\nVisa Secured\n\n17.44%\n\nVisa Platinum\n\n9.99%\n.99%\n\nVisa C\nClassic\n\n12.99%\n\nVisa Secured\n\n17.44%\n\nVisa Platinum\n\n9.99%\n\nVisa Classic\n\n12.99%\n\nVisa Secured\n\nHow to Avoid Paying Interest on\nPurchases\n17.44%\n\nYour due date is at least 25 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your\nentire balance by the due date each month.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\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\nSEE BACK OF PAGE for more important information about your account.\n\n\x0c'


b'Washington State Employees Credit Union\nP.O. Box WSECU\nOlympia, WA 98507\n(800) 562-0999\n\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card are\nMarch 18, 2020\naccurate as of ___________________.\nYou can contact us toll free at (800) 562-0999 or P.O. Box WSECU, Olympia, WA\n98507 to inquire if any changes occurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\nWSECU PLATINUM\nAnnual Percentage Rate\n(APR) for Purchases &\nCash Advances\n\nWSECU CASH\nBACK\n\nWSECU LOW RATE\n\n_______%10.75\n_______%\n22.25\n\n_______%_______%12.75\n6.25\n_______%\n_______%\n24.25\n17.75\n\ndepending on your credit\nhistory. This APR will vary\nwith the market based on\nthe Prime Rate*.\n\ndepending on your\ncredit history. This\nAPR will vary with\nthe market based\non the Prime Rate*.\n\ndepending on your credit\nhistory. This APR will vary\nwith the market based on\nthe Prime Rate*.\n\nWSECU CREATE***\n\n_______%\n15.25\nThis APR will vary\nwith the market\nbased on the Prime\nRate*.\n\n0% Introductory APR on\n______%\n0% Introductory APR on\n______%12.75\n15.25\nThis APR will vary\nbalance transfers for 6\nbalance transfers for 6\n______%\n24.25\nmonths if the transfer is\ndepending on your months if the transfer is\nwith the market\nmade within 60 days of\ncredit history. This made within 60 days of\nbased on the Prime\naccount opening. After that, APR will vary with account opening. After that, Rate*.\nyour Standard APR will be the market based\nyour Standard APR will be\non the Prime Rate*. ______%______%______%\n______%\n10.75\n22.25\n6.25\n17.75\ndepending on your credit\ndepending on your credit\nhistory. This APR will vary\nhistory. This APR will vary\nwith the market based on\nwith the market based on\nthe Prime Rate*.\nthe Prime Rate*.\nYour due date is at least 21 days after we mail your billing statement. We will not charge you\ninterest on purchases or balance transfers if you pay your entire new purchase or balance\ntransfer balance by the due date each month. We will begin charging interest on cash advances\non the date the cash advance is posted to your account.\n\nAPR for Balance\nTransfers**\n\nPaying Interest\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from To learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nthe Consumer Financial\nhttp://www.consumerfinance.gov/learnmore\nProtection Bureau\nFEES:\nFees to Open or Maintain\nyour Account\n- Annual Fee:\n- Application Fee:\n\nNone\nNone\n\nTransaction Fees\n- Balance Transfer:\n- Cash Advance:\n- Foreign Transaction:\n\nNone\n2% of the amount advanced up to $25.00\nNone\n\nPenalty Fees\n- Over-the-Credit Limit:\n- Returned Payment:\n- Late Payment:\n\nNone\nNone\nApplies to WSECU Create only: First time payment is late: $10.00 or your minimum payment\nrequired, whichever is less. Second time payment is late: $20.00 or your minimum payment\nrequired, whichever is less. All subsequent late payments: $25.00 or your minimum payment\nrequired, whichever is less.\nApplies to all other cards: $25.00 or your minimum payment required, whichever is less.\nBalances of $25.00 or less must be paid in full.\nSEE NEXT PAGE for more important information about this account\n\n9009 LASER ML FPDF FI11575 Rev 2-2020\n\npage 1 of 2\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nLoss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a\nlate payment.\n*Variable Rates: The Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the \'Prime\nRate\' in the \'Money Rates\' column of the Wall Street Journal increases or decreases. The Annual Percentage Rate will be equal\n3.00\n21.00\nto the Prime Rate plus a margin of: _______%-_______%\ndepending on your credit history. The interest rate can change\nmonthly on the 18th day of the month following a change in the Prime Rate. The Annual Percentage Rate will never be more\nthan: 29.99%. Any increase will take the form of more payments of the same amount.\n**Introductory Rate is available only for balance transfers made within 60 days of account opening. Introductory Rate\ndoes not apply to balances transferred from other WSECU credit cards or loans.\n***On-Time Payment Discount (Applies to WSECU Create only): You will receive a 0.25% discount on the APRs disclosed\non page 1 each time you make a series of six consecutive qualifying payments on or before the payment due date in a billing\ncycle, up to a maximum total of a 2% discount. A \xe2\x80\x9cqualifying payment\xe2\x80\x9d is one you have made on or before the payment due date\nin a billing cycle in which there was transaction activity and a payment is due. For example, if you make six consecutive on-time\npayments in January through June, you will receive the discount in the amount disclosed in this paragraph. Then, if you make\nsix consecutive on-time payments in July through December, you will receive another discount in the amount disclosed in the\nparagraph. If you make a late payment, the number of accrued qualifying payments resets to zero and you must, from that\npoint, make six consecutive qualifying payments to receive a discount. You will not lose any discounts in effect if you make a\nlate payment.\nSkip Payment (Applies to all cards except WSECU Create): If we make a skip payment option available, you may skip\nmaking your payment(s) for certain month(s). If you choose this option, interest will continue to accrue, but no late payment\ncharges will be imposed during the skip period. All credit terms applicable immediately prior to the skip period will again apply\nonce the skip period has expired. A Skip a Pay fee of $15.00 will apply.\nCash Back (Applies to WSECU Cash Back Signature only): 1% cash back will be paid on purchases made on your card. 1%\ncash back will not be earned on cash advances from an ATM, convenience checks, finance charges, or any fees assessed on\nyour account, including foreign transaction fees. One-half percent (.50%) cash back will be paid on all payments to your\naccount. Cash back earned on eligible transactions during a billing cycle will be applied as a credit to your account on the last\nday of the same billing cycle in which the transactions post to your account. Billing cycles typically end on the seventeenth\n(17th) of each month.\n\n9009 LASER ML FPDF FI11575 Rev 2-2020\n\npage 2 of 2\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'WSECU\n\nWashington State Employees Credit Union\nP.O. Box WSECU\nOlympia, WA 98507\n(800) 562-0999\n\nVISA CREDIT CARD AGREEMENT AND\nTRUTH IN LENDING DISCLOSURE\n\nIn this Agreement the words "you" and "your" mean each and all of those who apply for the card or who sign this Agreement and everyone who receives, signs or uses a card issued\nunder this account. "Card" means the VISA Credit Card and any duplicates and renewals we issue. "Account" means your VISA Credit Card Line of Credit account with us. "We", "us"\nand "ours" means this Credit Union.\n\nResponsibility\nIf we issue you a card, you agree to repay all debts and the Interest Charge\narising from the use of the card and the card account. For example, you are\nresponsible for charges made by anyone else to whom you give the card, and\nthis responsibility continues until the card is recovered. You cannot disclaim\nresponsibility by notifying us, but we will close the account for new transactions\nif you so request and return all cards. Your obligation to pay the account balance\ncontinues even though an agreement, divorce decree or other court judgment in\nwhich we are not a party may direct you or one of the other persons responsible\nto pay the account. Any person using the card is jointly responsible with you for\ncharges he or she makes, but if that person signs the card he or she becomes a\nparty to this Agreement and is also jointly responsible for all charges on the\naccount, including yours.\nAuthorized Signer: Anyone who uses your credit cards with your permission.\nMore specifically, someone who has a credit card from your account with their\nname on it. An authorized user is not legally responsible for the debt and cannot\nreceive information regarding the account.\nJoint Account: An account shared by two or more people. Each person on the\naccount is legally responsible for the debt and the account will be reported to\neach person\'s credit report.\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs\nYou agree to notify us immediately if your card is ever lost or stolen or if an\nunauthorized use may have occurred. The telephone number to call during\nregular credit union business hours is (800) 562-0999 and (866) 861-5416 on\nweekends or after business hours. You agree to follow up your call with notice in\nwriting to us at: Washington State Employees Credit Union, P.O. Box WSECU,\nOlympia, WA 98507. You also agree to assist us in determining the facts,\ncircumstances and other pertinent information relating to any loss, theft or\npossible unauthorized use of your credit card and comply with such procedures\nas we may require in connection with our investigation, including assisting in the\nprosecution of any unauthorized user. You will be liable for any unauthorized use\nonly if we can prove that you were negligent in your use or handling of your\nCredit Card, or if we can prove that you used your Credit Card fraudulently.\nUsing the Card\nYou may use the card issued to you to make purchases in person, by mail, by\ntelephone, or by internet from merchants and others who accept VISA credit\ncards. In addition, you may obtain cash advances from the Credit Union, from\nother financial institutions participating in the VISA program and from ATMs\n(automated teller machines) that participate in the ATM VISA program. You will\nneed to use your PERSONAL IDENTIFICATION NUMBER (PIN) to obtain a\ncash advance from an ATM.\nIllegal Use and Internet Gambling\nYou agree that all transactions that you initiate by use of your VISA Credit Card\nare legal in the jurisdiction where you live and/or where the transaction occurred.\nInternet gambling may be illegal in the jurisdiction in which you are located,\nincluding the United States. You may not use the card or account for any illegal\nor unlawful purpose, and we may decline to authorize any transaction that we\nbelieve may be illegal or unlawful. Display of a payment card logo by an online\nmerchant does not mean that internet gambling transactions are lawful in all\njurisdictions in which you may be located. You agree to repay according to the\nterms of this Agreement all transactions you initiate by use of your Credit Card,\nwhether deemed legal or illegal.\nCredit Union Business Days\nThe Credit Union\'s business days are Monday - Friday, excluding holidays.\nBusiness hours are Monday - Friday 7:00 a.m. - 7:00 p.m.\nCredit Line\nIf we approve your application, we will establish a self-replenishing Line of Credit\nfor you and notify you of its amount when we issue the card. You agree not to let\nthe account balance exceed this approved Credit Line. Each payment you make\non the account will restore your Credit Line by the amount of the payment which\nis applied to principal. You may request an increase in your Credit Line only by\nLASER ML FPDF FI11576 Rev 10-2019\n\nwritten application to us, which must be approved by our credit committee or\nloan officer. By giving you written notice our credit committee may reduce your\nCredit Line from time to time, or with good cause, revoke your card and\nterminate this Agreement. Good cause includes your failure to comply with this\nAgreement, suspected fraud, or our adverse reevaluation of your\ncreditworthiness. You may also terminate this Agreement at any time, but\ntermination by either of us does not affect your obligation to pay the account\nbalance. The cards remain our property and you must recover and surrender to\nus all cards upon our request and upon termination of this Agreement.\nMonthly Payment\nWe will mail you a statement every month showing your previous balances of\npurchases and cash advances, the current transactions on your account, the\nremaining credit available under your credit line, the new balances of purchases\nand cash advances, the total new balance, the Interest Charge due to date, and\nthe minimum payment required. Every month you must pay at least the\nminimum payment by the due date indicated on your statement. If late, we will\nassess, and you will pay a late payment fee as disclosed to you on your Visa\nDisclosures, or as amended. You may, of course, pay more frequently, pay more\nthan the minimum payment, or pay the total new balance in full, and you will\nreduce the Interest Charge by doing so. The minimum payment will be the\ngreater of 2.5% of your New Balance rounded to the nearest dollar, or $25.00. If\nyour outstanding balance is $25.00 or less you agree to pay the balance in full,\nplus any portion of the minimum payment(s) shown on prior statement(s) which\nremains unpaid. In addition, at any time your total new balance exceeds your\ncredit line, you must immediately pay the excess upon our demand. We may\naccept checks marked "payment in full" or with words of similar effect without\nlosing any of our rights to collect the full balance of your account with us.\nSkip Payment\nIf we make a skip payment option available, you may skip making your\npayment(s) for certain month(s). If you choose this option, interest will continue\nto accrue, but no late payment charges will be imposed during the skip period.\nAll credit terms applicable immediately prior to the skip period will again apply\nonce the skip period has expired.\nCredit Information\nYou authorized us to investigate your credit standing when opening, renewing or\nreviewing your account, and you authorize us to disclose information regarding\nyour account to credit bureaus and other creditors who inquire of us about your\ncredit standing, to the extent authorized in our By-Laws.\nInterest Charges\nYou can avoid Interest Charges on purchases or balance transfers by paying\nthe full amount of the New Balance of Purchases or Balance Transfers each\nmonth on or before your payment due date. Otherwise, the New Balance of\nPurchases or Balance Transfers, and subsequent purchases or balance\ntransfers from the date they are posted to your account, will be subject to an\nInterest Charge. Cash Advances - An Interest Charge will be imposed on cash\nadvances from the date each cash advance is made. There is no time period\nwithin which to pay to avoid a periodic Interest Charge on cash advances. In\naddition to the Interest Charge imposed by applying the periodic rate, a cash\nadvance fee (Interest Charge) equal to the lesser of 2% of the cash advance\namount or $25.00 will be imposed on each cash advance. An Interest Charge is\ncalculated at the ANNUAL PERCENTAGE RATE disclosed to you on your Visa\nDisclosures or as amended on the average daily principal balance of purchases,\ncash advances or balance transfers you make and debit adjustments the credit\nunion makes during the statement period. The daily principal balances are\ntotaled, and divided by the number of days in the statement period to produce\nseparate average daily principal balances for purchases, cash advances, and\nbalance transfers to which the periodic rate is then applied.\nOther Charges\nYour account will be subject to other charges as disclosed to you on your Visa\nDisclosures or as amended. These charges may be changed by us from time to\ntime in accordance with applicable law.\n\npage 1 of 3\n\nCOPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIn this Agreement the words "you" and "your" mean each and all of those who apply for the card or who sign this Agreement and everyone who receives, signs or uses a card issued\nunder this account. "Card" means the VISA Credit Card and any duplicates and renewals we issue. "Account" means your VISA Credit Card Line of Credit account with us. "We", "us"\nand "ours" means this Credit Union.\n\nDefault\n\nEffect of Agreement\n\nYou may be in default if you fail to make any Minimum Payment on or before your\npayment due date. You will also be in default if your ability to repay the credit union\nis materially reduced by a change in your employment, an increase in your\nobligations, bankruptcy or insolvency proceedings involving you, your death, or\nyour failure to abide by this Agreement, or if the value of the credit union\'s security\ninterest materially declines. The Credit Union has the right to demand immediate\npayment of your full account balance if you default, subject to the credit union\ngiving you any notice required by law. To the extent permitted by law, you will also\nbe required to pay the Credit Union\'s collection expenses, including court costs\nand reasonable attorney\'s fees.\n\nThis Agreement is the contract which applies to all transactions on your account\neven though the sales, cash advance, credit or other slips you sign or receive\nmay contain different terms. Subject to applicable law, we may amend this\nAgreement from time to time by sending you the advance written notice required\nby law. Your use of the card thereafter will indicate your agreement to the\namendments. To the extent the law permits, and we indicate in our notice,\namendments will apply to your existing account balance as well as to future\ntransactions.\n\nSuspension of electronic services and access to share or deposit accounts\nSubject to applicable law, we may suspend some or all electronic services and\naccess to your checking or other account(s) if you become delinquent on any of\nyour credit card or deposit obligations to us or you cause a loss to us. We shall not\nbe liable to you in any regard in connection with such suspension of services.\nReturns, Adjustments, and Overpayment\nMerchants and others who honor the credit card may give credit for returns or\nadjustments, and they will do so by submitting a credit voucher which will post to\nyour account. If your credit voucher and/or payments exceed what you owe us,\nwe will post the credit balance to your credit card. If the credit stays on your\naccount for 60 days or more the funds will be transferred to your share account.\nWSECU will not accept overpayment to inflate the credit limit.\nForeign Transactions; Currency Conversion\nPurchases and cash advances made in foreign currencies will be billed to you in\nU.S. dollars. The conversion rate in dollars will be a rate selected by the card\ncompany from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate the card\ncompany itself receives, or the government-mandated rate in effect for the\napplicable central processing date in each instance.\nPlan Merchant Disputes\nWe are not responsible for the refusal of any plan merchant or financial institution\nto honor your card. We are subject to claims and defenses other than tort claims\narising out of goods or services you purchase with the card only if you have made\na good faith attempt, but have been unable to obtain satisfaction from the plan\nmerchant, and: (a) your purchase was made in response to an advertisement we\nsent or participated in sending you; or (b) your purchase cost more than $50 and\nwas made from a plan merchant in your state or within 100 miles of your home.\nAny other disputes you must resolve directly with the plan merchant.\nSecurity Interest\nTo secure your account, you grant us a purchase money security interest under\nthe Uniform Commercial Code in any goods you purchase through the account. If\nyou default, we will have the right to recover any of those goods which have not\nbeen paid for through our application of your payment in the manner described in\nthe Monthly Payment section on page 1 of this document. With respect to this\naccount only, we will not assert any statutory right we may have if you are in\ndefault to prevent withdrawal of your unpledged Credit Union shares (deposits)\nbelow the unpaid balance of your account.\nTHE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR\nTHE ISSUANCE OF CREDIT UNDER THIS AGREEMENT.\nYOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST\nIN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW\nAND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENDED\nUNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR\nSTATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL LAW. IF\nYOU ARE IN DEFAULT, WE CAN APPLY YOUR SHARES TO THE\nAMOUNT YOU OWE.\nShares and deposits in an Individual Retirement Account or any other account\nthat would lose special tax treatment under state or federal law if given are not\nsubject to this security interest.\nIf you have other loans with us, collateral securing such loans will also secure\nyour obligations under this Agreement, unless that other collateral is your\nprincipal residence or non-purchase money household goods.\nIf you are covered borrower at the time of application (as defined in the Military\nLending Act, 10 U.S.C. 987 and implementing regulations), this section will\nonly apply once you are no longer considered a covered borrower.\nLASER ML FPDF FI11576 Rev 10-2019\n\nNo Waiver\nThe Credit Union can delay enforcing any of its rights any number of times\nwithout losing the ability to exercise those rights in the future.\nStatements and Notices\nStatements and notices will be mailed to you at the most recent address you\nhave given the Credit Union. Notices sent to any one of you will be considered\nnotice to all.\nFinal Expression\nThis Agreement is the final expression of the terms and conditions of this VISA\nline of credit between you and the Credit Union. This written Agreement may not\nbe contradicted by evidence of any alleged oral agreement.\nRecord Keeping\nYou hereby agree that the credit union may keep the portion of the Agreement\nwhich bears your signature so we can comply with federal and/or state law\nrelating to loan documents the credit union is required to keep in its file.\nNon-Transferability\nI agree that my account(s) are not assignable or transferable except to the\nCredit Union unless specifically authorized in writing by you.\nNo Liability for Dishonor\nThe Credit Union will not have any responsibility or liability to me or others\nrelating to the dishonor or other return of any check, draft, ACH transaction or\nother order occurring as a result of you exercising your lien rights or freezing\nany accounts in order to protect or preserve such rights.\nNegative Information Notice\nWe may report information about your account to credit bureaus. Late\npayments, missed payments, or other defaults on your account may be\nreflected in your credit report.\nOur Communications With You\nYou agree that we (and our affiliates, agents, and contractors) may monitor or\nrecord any calls between you and us. If we need to contact you to service your\naccount or to collect amounts you owe to us, you authorize us (and our affiliates,\nagents, and contractors) to contact you at any number (i) you have provided to\nus (ii) from which you called us, or (iii) which we obtained and believe we can\nreach you at. We may contact you in any way, such as calling, texting, or email.\nWe may contact you using an automated dialer or using pre- recorded\nmessages. We may contact you on a mobile, wireless, or similar device, even if\nyou are charged for it by your provider.\nNOTICE TO UTAH BORROWERS: This written agreement is a final expression\nof the agreement between you and the Credit Union. This written agreement\nmay not be contradicted by evidence of any oral agreement.\n\npage 2 of 3\n\nCOPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.\n\n\x0cIMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:\nThe following applies if at the time this loan is made you are an active member of the military or a dependent (as those terms are defined in the Military\nLending Act (MLA), 10 U.S.C. 987 and its implementing regulations (\xe2\x80\x9cMLA\xe2\x80\x9d)), and (a) your loan is unsecured or secured by personal property or a vehicle\nthat you did not purchase with the proceeds of the loan; or (b) it is otherwise determined by law that the MLA applies to your loan. If this loan is a revolving\nline of credit or credit card, the MLA ceases to apply at any time during which you are not a member of the military or a dependent (as defined in the MLA).\n1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36\npercent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection\nfees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive\nthis notice verbally, please call 1-800-562-0999 extension 66136 during our normal business hours: Monday \xe2\x80\x93 Friday 7 am \xe2\x80\x93 7 pm and Saturday 9 am \xe2\x80\x93\n2 pm PST.\n2. This loan will not be secured by a consensual lien on shares or deposits in any of your accounts unless you agree to establish an account in connection\nwith this loan (\xe2\x80\x9cSecured Account\xe2\x80\x9d). Only funds deposited into the Secured Account after the loan is made will secure this loan. Any cross-collateralization\nprovision contained in your loan or account documents will not apply to the Secured Account or your other share or deposit accounts for any loan subject\nto the Military Lending Act.\nHowever, we reserve our statutory lien rights and rights to set-off or administrative freeze under federal or state law, which gives us the right to apply the\nsums in the Secured Account or any other account(s) you have with us to satisfy your obligations under this loan.\n3. Any reference in this consumer credit contract to the following are hereby inapplicable to your loan: (a) Mandatory arbitration; (b) Any requirement(s) to\nwaive your rights to legal recourse under any applicable state or federal law; (c) Any demands or requirements construed as unreasonable notice from\nyou in order to exercise your legal rights; or (d) Prepayment penalties.\n4. Any provisions in your consumer credit contract, loan, security, or account agreements that are determined to be inconsistent with or contradictory to\nthese disclosures or the MLA (as they may be changed or amended from time to time) are inapplicable with regard to this loan. However, all other terms\nand conditions of the consumer credit contract shall remain in full force and effect.\n\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities\nFair Credit Billing Act.\n\nunder the\n\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe 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\nyou want to 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\ndo, we are not required to investigate any potential errors and you may have\nto 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\nyour letter. 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\nexplain to you why we believe the bill is correct.\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\ndelinquent on that amount.\n- The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are responsible\nfor the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\n\n- If we do not believe there was a mistake: You will have to pay the amount\nin question, along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may\nthen 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\nwrite to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe 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\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased\nwith your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount\ndue on the purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your credit\ncard 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\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\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\nany interest or other fees related to that amount.\n\nLASER ML FPDF FI11576 Rev 10-2019\n\npage 3 of 3\n\nCOPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'