b'use my Account (whether or not I have told the Credit Union\nthat such person will be using my Account), with or without\nthe Card, PIN, that I will pay for any Purchases or Advances\nmade by such person(s) on my Account and any finance or\nother charges imposed on those Purchases and Advances,\neven if the amount exceeds my permission.\nIf I have authorized someone to use my Account and I want\nto terminate that person\xe2\x80\x99s access, I agree that I must notify\nyou in writing; if possible, enclosing the Card(s) used by that\nperson, cut in two. Once I have notified you that this individual\nis no longer authorized, even if the card is not recovered, my\nliability ceases for future charges made to the Account. I may\nrequest you to cancel all cards and establish a new Account\nfor me. If I request you to terminate the use of my PIN by\nanother person, you will cancel my PIN and issue a new PIN.\nP. Transfer of Account. I cannot transfer or assign my Account\nto any other person or Trust.\nQ. Change of Address. I will advise you promptly if I change\nmy mailing address. All written notices and statements from\nyou to me will be considered given when placed in the United\nStates mail, postage prepaid, and addressed to me at my\ncurrent address as it appears in your records.\nR. Irregular Payments. You may accept late payments or\npartial payments, or checks, drafts or money orders marked\n\xe2\x80\x9cPayment in Full\xe2\x80\x9d without losing any of your rights under this\nAgreement.\nS Security. Other than for a Share Secured Account, no\nsecurity interest is taken in my property to secure payment.\nHowever, collateral securing other loans with you may also\nsecure this loan, except for my principal dwelling and\nhousehold goods.\nT. Amendments. You may change any part of this Agreement at\nany time, as long as, when applicable, you give me advance\nwritten notice as required by law. Any change in terms will\napply to my outstanding balance existing as of the effective\nchange date as well as to all charges made after that date.\nU. Cancellation. I can cancel my Account at any time by\nreturning to you my Card, along with a letter requesting that\nyou cancel my Account. You may cancel this Agreement at\nany time. However, my obligation under this Agreement and\nany charges made under it prior to cancellation will\ncontinue to apply until I have paid you all the money I owe on\nthe Account.\nV. Skip Payment. At your option, you may not require me to\nmake a Minimum Payment during certain designated billing\ncycles. If I do not make my Minimum Payment as provided\nin the Agreement, I understand you will continue to apply\nFinance Charges to my Account. Beginning with the billing\ncycle following a skip payment, I agree that all of the\n\nprovisions of this Agreement shall apply.\nW. Automatic Payment Option. If I have requested this optional\nservice, you will automatically transfer the amount of the\npayment requested from my designated Credit Union\naccount. The payment option can be designated by me as\none of the following: (1) Full Payment; (2) Minimum Periodic\nPayment; or, (3) a specified dollar amount. If the amount I\nhave designated for payment is greater than the amount of\navailable funds being on deposit on the day of the transfer\nthe transfer has been made, the transfer will be reversed. If I\nmake additional payments during the billing cycle, the\nautomatic transfer may still take place on the statement\nclosing date. You may cancel this service if the transfers are\nnot honored because of insufficient and/or unavailable funds\nin my deposit account and you will notify me of this action.\nI may cancel this service at any time, however I understand\nthat one more transfer(s) may occur if I do not provide\nsufficient notice for the Credit Union to input the change.\nX. Liability for Unauthorized Use. I may be liable for the\nunauthorized use of my Card. I will not be liable for any\nunauthorized use that occurs after I notify Payment Systems\nfor Credit Unions orally, of the loss, theft or possible\nunauthorized use. In any case, my liability will not exceed\n$50.00. I may report a lost or stolen Card by calling 1-(800)\n449-7728.\n\nIf I think there is an error on my statement, I should write to\nyou at:\nProvident Credit Union\nP.O. Box 8007\nRedwood City, CA 94063-0907\nOr I may also contact you on the web: providentcu.org\nIn my letter, I will give you the following information:\n\xe2\x80\xa2 Account information: My 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 I think there is an error on my bill,\ndescribe what I believe is wrong and why I believe it is a\nmistake.\nI must contact you:\n\xe2\x80\xa2 Within 60 days after the error appeared on my statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if I want to stop payment on the amount I think\nis wrong.\nI must notify you of any potential errors in writing [or\nelectronically]. I may call you, but if I do you are not required\nto investigate any potential errors and I may have to pay the\namount in question.\nWhat Will Happen After You Receive My Letter\n\nY. Illegal Transactions. I understand that I am not permitted to\nuse my Account for any illegal transaction, such as unlawful\ngambling. The legality of any transaction will not affect my\nliability for the balances I have incurred on my account.\n\nWhen you receive my letter, you must do two things:\n\nZ Lost and Stolen Cards. If I report my Card lost or stolen as\nprovided in paragraph Z, then recover or find my Card and fail\nto notify you immediately of the recovery at 1-800 449-7728, I\nagree to pay you the amount of any reward previously paid by\nyou to a retail merchant to recover the Card I reported as lost\nor stolen.\n\n2. Within 90 days of receiving my letter, you must either\ncorrect the error or explain to me why you believe the bill\nis correct. While you investigate whether or not there has\nbeen an error:\n\nAA.Other Provisions. Each of us who signed the Application and/\nor requested the Account or use the Account is individually\nand jointly obligated for all payments due under this Agreement. The Account has been applied for, considered, approved and issued in the State of California and all extensions\nof credit are being made from the State of California. I agree\nthat this Agreement shall be governed by and interpreted under California and Federal Law. If any part of this Agreement\nis not valid, all other parts will remain enforceable.\nMy Billing Rights - Keep This Notice for Future Use\nThis notice contains important information about my rights\nand your responsibilities under the Fair Credit Billing Act.\nWhat To Do If I find A Mistake On My Statement\n\n1. Within 30 days of receiving my letter, you must tell me that\nyou received my letter. You will also tell me if you have\nalready corrected the error.\n\n\xe2\x80\xa2 You cannot try to collect the amount in question, or report\nme as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on my statement, and\nyou may continue to charge me interest on that amount.\n\xe2\x80\xa2 While I do not have to pay the amount in question, I am\nresponsible for the remainder of the balance.\n\xe2\x80\xa2 You can apply any unpaid amount against my credit limit.\nAfter you finish your investigation, one of two things will\nhappen:\nIf you made a mistake: I will not have to pay the amount in\nquestion or any interest or other fees related to the amount.\nIf you do not believe there was a mistake: I will have to pay the\namount in question, along with applicable interest and fees.\nYou will send me a statement of the amount I owe and the\ndate payment is due. You may then report me as delinquent if\n\nI do not pay the amount you think I owe.\nIf I receive your explanation but still believe my bill is wrong,\nI must write to you within 10 days telling you that I still refuse\nto pay. If I do so, you cannot report me as delinquent without\nalso reporting that I am still questioning your bill. You must tell\nme the name of anyone to whom you reported me as\ndelinquent, and you must let those organizations know when\nthe matter has been settled between us.\nIf you do not follow all of the rules above, I do not have to pay\nthe first $50 of the amount I question even if my bill is correct.\nMy Rights If I Am Dissatisfied With My Credit Card Purchases\nIf I have a problem with the quality of property or services\nthat I purchased with my credit card, and I have tried in good\nfaith to correct the problem with the merchant, I may have the\nright not to pay the remaining amount due on the property or\nservices.\nTo use this right, all of the following must be true:\n1. I must have made the purchase in my home state or, if\nnot within my home state, within 100 miles of my current\nmailing address; and, the purchase price must have been\nmore than $50.00. (Note: Neither of these are necessary if\nmy purchase was based on an advertisement you mailed to\nme, or if you own the company that sold me the goods or\nservices).\n2. I must have used my credit card for the purchase.\nPurchases made with cash advances from an ATM or\nwith a check that accesses my credit card account do not\nqualify.\n3. I must not yet have fully paid for the purchase.\nIf all of the criteria above are met and I am still dissatisfied with\nthe purchase, I must contact you in writing at:\nProvident Credit Union\nP.O. Box 8007\nRedwood City, CA 94063-0903\nWhile you investigate, the same rules apply to the disputed\namount as discussed above. After you finish your\ninvestigation, you will tell me your decision. At that point, if you\nthink I owe an amount and I do not pay, you may report me as\ndelinquent.\n\nVISA Variable Credit Card Agreement, Overdraft\nProtection Agreement, and Truth In Lending\nDisclosure Statement\nThis is your Cardholder Agreement with Provident Credit Union\nwhich outlines the terms to which you agree by requesting,\nreceiving, signing, using or authorizing another to sign and use,\nany Credit Card, PIN, Credit Account, or other credit devices\nissued to you here under. This Agreement covers your Provident,\nCollege and Share Secured VISA credit cards. Please read this\nagreement and keep it for your records.\nIn this Agreement, the word \xe2\x80\x9cAccount\xe2\x80\x9d means the Credit Card\nAccount opened pursuant to this Agreement, including use of\nyour Card or PIN. \xe2\x80\x9cCard\xe2\x80\x9d means one or more cards and \xe2\x80\x9cPIN\xe2\x80\x9d\nmeans Personal Identification Number issued with respect to the\nAccount. The words \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\nand \xe2\x80\x9cour,\xe2\x80\x9d if more than one person, mean the person or persons\nwho use or authorize the use of the VISA credit card or sign an\napplication for a VISA credit card. The words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d and\n\xe2\x80\x9cyours\xe2\x80\x9d mean Provident Credit Union or its authorized agents.\nA. How to Use this Account. I can purchase or lease goods and\nservices (\xe2\x80\x9cPurchases\xe2\x80\x9d) from a merchant up to my maximum\ncredit limit by presenting my VISA credit card (\xe2\x80\x9cCard\xe2\x80\x9d) and\nsigning a sales slip for the amount of the Purchase. I may also\nuse my card:\n1. To obtain cash loans (\xe2\x80\x9cCash Advances\xe2\x80\x9d) up to my maximum\ncredit limit from financial institutions that accept a VISA\ncredit card;\n2. By making withdrawals with this Card at an automated\nteller machine;\n3. By granting merchants telephonic authorization to charge\nproducts or services to my account;\n4. By using my Card to charge phone calls; or,\n5. By issuing checks or drafts or the accrual of any charges\nagainst my checking account with Provident Credit Union\nin excess of its balance (if overdraft feature is available).\nAdvances made by automatic transfer of funds directly into\nmy pre-designated checking account(s) may be in multiples\nof $100.00 or in the amount of the overdraft depending on\nwhich option is available.\n\n\xc2\xa9 3/16 PCU ID 11305\n\nM-117987\n\n\x0c6. By making transfers of available funds to another credit\nunion account through the credit union\xe2\x80\x99s Touch Tone Teller\nor Account Manager systems, or through direct contact\nwith a credit union representative.\nB. Maximum Credit Limit. You will provide me with notice of\nmy maximum credit limit on my monthly billing statement,\nand I agree you may change my limit at any time. I agree\nnever to use my Card when the use will exceed my maximum\ncredit limit. I also agree that you are not obligated to extend\nto me credit for an amount that would make my outstanding\nbalance exceed my maximum credit limit, or for any amount\nif my outstanding balance is already over the maximum credit\nlimit. Any increases in my maximum credit limit I request may\nrequire that I make a written application for your approval. I\nwill pay any amounts which exceed my maximum credit limit\nupon demand. You may re-evaluate my financial condition if I\nrequest a higher credit limit, or at any other time, and this may\ninclude obtaining a current credit bureau report or screening,\nand/or asking me for current financial information. Based on\nsuch a review, you may immediately increase, reduce or even\nrevoke my Account without prior written notice.\nC. Monthly Statement. If I have an outstanding debit or credit\nNew Balance of $1.00 or more, or if there is any Finance\nCharge imposed during a billing cycle, you will send me\na statement. I agree to pay you for all Purchases, Cash\nAdvances, fees and charges, if any, and Finance Charges on\nmy Account, all payable in United States dollars. Payment\nchecks must be drawn on a financial institution or other entity\ndomiciled in the United States.\nPosting of my payment will be delayed if I present you a check\ndrawn on a non United States domiciled financial institution\nor entity. The payment will not be credited to my Account\nuntil the funds have been collected in United States dollars.\nI agree to allow the Credit Union to debit my account for any\ncollection 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 from the date\nof posting to my Account to the date of repayment.\n2. For each billing cycle:\na) You multiply the Monthly Periodic Rate times the Average\nDaily Balance of Purchases. The Average Daily Balance\nis the sum of the daily unpaid balances of purchases on\neach day of the billing cycle covered by my current billing\nstatement divided by the number of days in the billing cycle.\nSuch unpaid balances are determined by deducting payments and credits applied against such unpaid balances\nand by adding new purchases, unpaid finance charges,\n\nfees and other charges, in each case, as of the date posted\nto my Account.\n\ndivided by the number of days in the billing cycle. Such\nunpaid balances are determined by deducting payments\nand credits applied against such unpaid balances and by\nadding unpaid finance charges, in each case, as of the date\nposted to my Account and by adding new cash advances\nas of the date of the transaction.\n\nb) You multiply the Monthly Periodic Rate times the Average\nDaily Balance of Previous Billing Cycle Purchases. The\nAverage Daily Balance of Previous Billing Cycle Purchases\nis the sum of the unpaid balances of purchases itemized\non my last billing statement on each day of the billing cycle\ncovered by my last billing statement divided by the number\nof days in the billing cycle. Such unpaid balances are determined by deducting payments and credits applied against\nsuch unpaid balances and by adding new purchases,\nunpaid finance charges, fees and other charges, in each\ncase, as of the date posted to my Account.\n\nc) You may also charge a one-time Finance Charge for cash\nadvances equal to 3% of the amount of each new cash\nadvances, with a minimum Finance Charge of $10.00 for\nadvances at financial institutions, casinos, ATMs, wire\nfunds, transfers to other credit union accounts, over drafts\nto your Credit Union check account or Western Union\ntransfers.\n\nc) You add the amounts determined under (a) and (b) to obtain\nthe Finance Charge on purchases.\n\nd) You add the amounts determined under a), b) and c) to\nobtain the Finance Charge on Cash Advances.\n\n3. A Finance Charge is not imposed on:\n\n3. All forms of cash advances, including the use of over drafts\nto your Credit Union checking account, regardless of the\npurpose for which used, shall be subject to the Finance\nCharges as set forth above.\n\na) New purchases posted during a billing cycle if: (a) I paid the\nNew Balance shown on the billing statement covering the\npreceding billing cycle by the Payment Due Date shown on\nthe billing statement or such New Balance was zero and (b)\nI pay the New Balance shown on the billing statement itemizing the new purchases by the Payment Due Date shown\non that billing statement.\nb) Old purchases previously posted for a billing cycle during\nwhich I pay the New Balance shown on the billing\nstatement covering the preceding billing cycle by the\nPayment Due Date shown on that billing statement.\nCash Advances\n1. A Finance Charge is imposed on cash advances as from\nthe date of transaction to the date of repayment.\n2. For each billing cycle:\na) You multiply the Monthly Periodic Rate times the\nAverage Daily Balance of Cash Advances. The Average\nDaily Balance is the sum of the daily unpaid balances of\ncash advances on each day of the billing cycle covered by\nmy current billing statement divided by the number of days\nin the billing cycle. Such unpaid balances are determined\nby deducting payments and credits applied against such\nunpaid balances and by adding unpaid finance charges,\nin each case, as of the date posted to my Account and by\nadding new cash advances as of the date of the\ntransaction.\nb) You multiply the Monthly Periodic Rate times the Average\nDaily Balance of Previous Billing Cycle Cash Advances.\nThe Average Daily Balance of Previous Billing Cycle Cash\nAdvances is the sum of the unpaid balances of cash\nadvances itemized on my last billing statement on each\nday of the billing cycle covered by my last billing statement\n\nE. Monthly Periodic Finance Charge, Monthly Periodic Rate,\nAnnual Percentage Rate (APR), and Penalty Annual\nPercentage Rate.\nIndex\nAPR Margin\nInitial APR\t\t\n\nIndex (Prime\nPrime Rate)\n\nInitial\nPeriodic Rate\n\n9.65%6.40%Per WSJ*\n(APR is\n18.00%\n14.75%\t\t\ndetermined by\n\t\t\t\nMargin + Prime\n\t\t\tRate^)\nThe Monthly Periodic Rate and corresponding Annual\nPercentage Rate used in calculating the Monthly Periodic\nFinance Charge may increase or decrease during the term\nof 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\n*Wall Street Journal. In the event that the Index ceases to be\npublished, changes in my Annual Percentage Rate will be\nrelated to a comparable Index. You may waive an increase in\nmy Annual Percentage Rate when such an increase can be\nmade, but such waiver shall not be construed as a waiver of\nyour right to increase the Annual Percentage Rate at a future\ndate when entitled to do so.\nMy Annual Percentage Rate is subject to change monthly\non the first day of every month following one full billing cycle\nafter an increase or decrease in the Index. These dates shall\nbe known as \xe2\x80\x9cAdjustment Dates.\xe2\x80\x9d For example, if the Index\nchanges anytime in the month of January, my new Annual\nPercentage Rate will go into effect on the first day of March\nand will be based on the Index as of the last day of January.\nDecreases in my Annual Percentage Rate in accordance\nwith the terms of this Agreement are mandatory. Increases in\n\nmy Annual Percentage Rate can be made at your discretion\nsubject to the terms of this Agreement. If the Annual\nPercentage Rate increases or decreases, the Finance Charge\nwill increase or decrease. Each change in the Annual\nPercentage Rate and Monthly Periodic Rate which is the\nresult of an increase or decrease in the index will apply to any\nbalance outstanding on the effective date of such change as\nwell as to future Credit Purchases and Cash Advances.\nThe initial periodic rate used in calculating my Monthly\nPeriodic Finance Charge is set forth in the \xe2\x80\x9cRate and Fee\nTable\xe2\x80\x9d I received under separate cover and which is made\npart of this Agreement. The Monthly Periodic Finance Charge\nfor each billing cycle will be calculated by multiplying the\nAverage Daily Balance (described below) of my Account for\nthe billing cycle by the Monthly Periodic Rate. The Monthly\nPeriodic Rate is determined by dividing the Annual\nPercentage Rate by 12 and will change when the Annual\nPercentage Rate changes. ^We add 6.4% to the Prime rate\nto determine the current lowest Daily Periodic Rate used in\ncalculating the Finance Charge is 0.02644%, which currently\ncorresponds to an Annual Percentage Rate of 9.65%. We add\n14.75% to the Prime to determine the highest Daily Periodic\nRate used in calculating the Finance Charge is 0.04932%,\nwhich corresponds to an Annual Percentage Rate of 18.00%.\nPenalty Pricing: Interest Rate Adjustment Event. An Interest\nRate Adjustment Event will occur whenever my Account is\ntwo Minimum Payments Past Due. You will change my interest rate to a rate of 18.00% Annual Percentage Rate which is\na Monthly Periodic Rate of 1.50% on the first day of the billing\ncycle following the cycle that was two Minimum Payments\nPast Due. The Maximum Penalty Annual Percentage Rate is\n18.00%. Then after I make 6 consecutive minimum payments\nto my account, you will change the interest rate to my original\nrate (the Annual Percentage Rate that was applicable to my\naccount at the time it was opened and any subsequent modification to this rate). The Monthly Periodic Rate and Annual\nPercentage Rate change to the original rate will become\neffective the first day of the billing cycle following the 6th\nconsecutive billing cycle.\nAn increase in the Annual Percentage Rate will have the effect\nof decreasing the portion of any payment applied to reduction\nof the principal account balance and may, therefore, increase\nthe number of minimum payments necessary to pay off the\naccount.\nF. Promotional Programs. From time to time you may offer\nspecial programs based upon the use of my account. Any\nsuch program may offer me an opportunity to receive a lower\nAnnual Percentage Rate on all or a portion of my balance. I\nunderstand that payments will be applied first to the portion of\nmy balance with the lowest Annual Percentage Rate however,\nif I make a payment in excess of the minimum payment due in\n\nany cycle, the amount of the payment that exceeds the\nminimum payment will be applied to the highest Annual\nPercentage Rate on the account.\nG. Periodic Billing Statements. If I have a balance on my Account\nat the end of a billing cycle, you will furnish a periodic billing\nstatement (normally monthly) itemizing my purchases,\nadvances and where applicable previous payments.\nH. Minimum Payment. I agree to pay each statement by\nremitting to you (within 25 days from the date of the billing\nstatement\xe2\x80\x99s closing date) the required minimum payment due,\nwhich will be the greater of 2.5% of the outstanding balance\non my Account or $25.00. I have the option of making larger\npayments on the Account at any time without penalty.\nI. Fees and Charges.\n1. Late Payment Fee: My Minimum Payment Due will be past\ndue if it is not received by you on or before the Payment\nDue Date shown on each monthly statement. A fee will be\ncharged to my Account, if at least the Minimum Payment\nDue, including unpaid payments, is not received by you\nwithin 15 days after the Payment Due Date.\n2. Returned Payment Check Fee: If I make a payment by\ncheck and the check is returned unpaid for any reason, my\nAccount will be charged $25 for each returned check.\n3. Automatic Payment Reversal Fee: If I have elected to have\nthe payment(s) on my Account automatically deducted from\nanother credit union account and I fail to maintain sufficient\nfunds in this account causing my payment to be reversed,\nmy Account will be charged up to $25.\n4. Fee for Documents: If I request a copy of a charge slip or\nother document not in connection with a billing error, you\nmay charge my Account the cost of $25.00 per sale draft\nplus $6.00 processing fee.\n5. Replacement or Additional Card Fee: If I request an\nadditional card to replace the card initially issued to me, for\nany reason other than the card not being received by me or\na defect in its manufacture, or if I request a card for an\nadditional user on my account, you may charge my\nAccount up to $10.00 per card.\nJ. Charges Made in Foreign Currency. If I incur a charge in a\nforeign currency, the charge will be converted by VISA\nInternational into a United States Dollar amount. VISA\nInternational will use the procedures set forth in its Operating\nRegulations in effect at the time that the transaction is\nprocessed. Currently those regulations provide that the\ncurrency conversion rate to be used is either a wholesale\nmarket rate or a government mandated rate in effect one\nday prior to the processing date. The currency conversion\nrate in effect on the processing date may differ for the rate in\neffect on the transaction date or on the posting date. I will be\n\ncharged a Foreign Transaction Fee equal to 3% of the\ntransaction amount in U.S. currency.\nK. Application of Payments. In accordance with applicable\nlaw, you will choose the order in which any payment will be\napplied to my account balances at the time the payment is\nmade. I agree to make all payments on my account in United\nStates Dollars. If the payments and credits received by you\nwithin 25 days from the billing date total less than the New\nBalance, or if a portion of the New Balance includes cash\nor loan advances, the next periodic statement will include a\nfinance charge which I agree to pay.\nL. Events of Default. I will be in default under the Account and\nAgreement if any of the following events shall occur: (a) If I fail\nto comply with the minimum payment or any other terms or\nconditions of this Agreement or on any other obligation I have\nor will have with you; (b) if I try to exceed my credit limit\nwithout your permission; (c) if I have made any false or\nmisleading statements on any credit application submitted\nto you; (d) if I should die or become insolvent; (e) if a petition\nshould be filed or other proceedings should be started under\nthe Federal Bankruptcy Code, by any authorized signer on the\nAccount, whether or not you have been listed as a creditor;\n(f) if a Receiver should be appointed or a writ or order of\nattachment, levy or garnishment should be issued against me\nor any of my property, assets or income; or, (g) if you should\nconsider that any debts due under this Agreement unsafe or\nnot completely secure or if you should believe, in good faith,\nthat the chances of my paying or performing all of my\nobligations under this Agreement have been impaired.\nIf default occurs under this Agreement, you may, at your\noption, without notice to me, terminate this Agreement,\nrevoke my right to use the Card, and demand that I pay you\nimmediately all sums which I owe you. Interest will continue to\naccrue at the contract rate after default.\nM. Collection Costs. I agree that if you assign my Account to\nan independent collection agency, or file a lawsuit to collect\namounts I owe you, that I will pay all costs, disbursements\nand reasonable attorneys\xe2\x80\x99 fees incurred by you in legal\nproceedings to collect or enforce my indebtedness in the\nevent of delinquency by me or in the event of a breach of any\nobligation by me, whether or not a lawsuit is filed.\nN. Ownership of Card. Any Card or other credit instrument\nwhich you supply to me is your property and must be\nreturned to you immediately upon demand or upon notice of\ncancellation of my Account.\nO. Use of Card and Account by Others. If I so request, you may\nissue cards not only to me, but also to others who will only be\nauthorized users of the Account. Such additional cards may\nbe imprinted either with my name or with the names of the\nauthorized user(s). I agree that if I permit another person to\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\nShare Secured 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\n8.90% introductory APR on purchases during the first six (6)\nmonths on account opening.\n\n10.90%\n\nThereafter, your APR for purchases will be\nbased on your\ncredit worthiness. This APR will vary with the market based on the Prime\nRate*.\nAPR for Balance Transfers\n\n10.90% for six months.\nAfter that the APR will be 12.90% based on your credit\nworthiness. This APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\n12.90%. 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.\nhttp://providentcu.org/index.asp?i=visaRates&search=card=secured&rewards=true\n\n1/1\n\n\x0c'


b'10-800 A (26220, 26420, 26520, 26720, 26820)\n\nCARDHOLDER ACCOUNT AGREEMENT AND DISCLOSURE\nThis agreement covers your VISA Simply Platinum, VISA Simply Platinum Rebate, VISA Basic, VISA Rewards, The Aggie Card with Rewards,\nHome Equity VISA Platinum, VISA Checking and ATM card with us. In this agreement, the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any user of the card or\ncards previously indicated. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d, and \xe2\x80\x9cus\xe2\x80\x9d mean Goldenwest Federal Credit Union. By using or allowing others the use of your\naccount you agree to all of the following items:\n1. General. You may use your account to buy goods and services any place your card is honored. You may also use your account to get a\ncash advance or, if you have VISA Checking, an overdraft advance. You agree to all procedures required by us or any merchant that honors\nyour card, as well as all terms on your card. We will not be liable for any loss you suffer because of any merchant refusing to accept your card.\nAny plural term used in this agreement shall be deemed singular if context and construction so require. Any singular term used in this\nagreement shall be deemed plural if context and construction so require. A negative credit report reflecting on your credit record may be\nsubmitted to a credit reporting agency if you fail to fulfill the terms of this agreement.\n2. Card Holder Liability. If the account is issued to you and others as a joint account, each use of the account shall be an extension of credit\nto all, and each of you shall be jointly and severally liable. If you allow anyone else to use your account, you will be liable for all credit extended\nto such person. You will be liable for all actual, implied authorized use of your account.\n3. Changes in Agreement. You agree that we may change, according to the law, the terms of this agreement. The changes will apply to your\nnew purchases and advances and to your outstanding balance. These changes may include, but are not limited to any change in finance\ncharge. We will mail notice of such change to you at your address shown on our records.\n4. Change of Address. If you move, you must give us your new address. You may change your address by notifying the credit union in writing\nor by On-line branch.\n5. VISA Checking Card Loan Advances. VISA purchases, checks, and cash advances will be paid from your checking account. If\nyour checking account has insufficient funds on deposit, we will advance enough money (up to your maximum credit limit) to cover these items.\n6. Maximum Credit Limit. From time to time we may modify the maximum credit limit established for all extensions of credit on your account.\nYour credit limit is identified on your statement. You agree to keep the total of purchases and advances made on your account within the limit.\n7. Promise to Pay. You promise to pay us all amounts borrowed under this agreement, plus any finance charge or other amounts due, both\nbefore and after judgment. You agree to pay us on or before the due date shown on your monthly statement. Each month we will send you a\nstatement showing any purchases, advances, or credit made on your account during that billing cycle and your new balance. Your statement\nwill also show the required payment you must make for that statement period.\nYou may pay in full for all your purchases and advances each month, or you may make the periodic minimum payment of 2.5% of the unpaid\nbalance or $25.00, whichever is greater. Balances under $25.00 must be paid in full. The \xe2\x80\x9cMinimum Payment\xe2\x80\x9d due as shown on your statement\nshall include the minimum payment due on your new balance plus any amounts past due. A credit posting from a merchant or a reversal of\nfees do not constitute a minimum payment. The minimum monthly payment may be allocated at the Credit Union\xe2\x80\x99s discretion to payoff lower\nrate balances, such as promotional offers, before higher rate balances, such as cash advances or purchases. Payments in excess of the\nminimum monthly payment will be allocated first to the higher rate balances, as applicable. If you exceed your credit limit, the excess will be\nshown on your statement as \xe2\x80\x9cAmount Over Credit Limit.\xe2\x80\x9d The required payment due by the due date shown on your statement will be shown as\n\xe2\x80\x9cRequired Payment Due.\xe2\x80\x9d For payment information concerning the Home Equity VISA Platinum please refer to your Loanliner Home Equity\ndisclosure. FS# 204A\n8. Finance Charge.\na) VISA Simply Platinum, Fixed Interest Rate (25-Day Grace Period, Purchases only). There is no grace period in which Cash Advances may\nbe repaid without incurring a periodic finance charge: The \xe2\x80\x9cTotal Finance Charge\xe2\x80\x9d shown on your monthly statement consists of the finance\ncharge on purchases plus the finance charge on cash advances. Please refer to the Truth In Lending Disclosure that you received at the time\nof application for the current Interest Rates and Interest Charges. If the entire current VISA balance as shown on your Monthly statement is\npaid in full by the payment due date shown on your monthly statement, you will not be assessed a periodic finance charge for the billing cycle\nending on the payment due date.\nb) VISA Simply Platinum Rebate, Fixed Interest Rate (25-Day Grace Period, Purchases only). There is no grace period in which\nCash Advances may be repaid without incurring a periodic finance charge: The \xe2\x80\x9cTotal Finance Charge\xe2\x80\x9d shown on your monthly\nstatement consists of the finance charge on purchases plus the finance charge on cash advances. Please refer to the Truth In Lending\nDisclosure that you received at the time of application for the current Interest Rates and Interest Charges. If the entire current VISA balance as\n\n\x0cshown on your Monthly statement is paid in full by the payment due date shown on your monthly statement, you will not be assessed a\nperiodic finance charge for the billing cycle ending on the payment due date.\nc) VISA Basic, Variable Interest Rate (25-Day Grace Period, Purchases only). There is no grace period in which Cash Advances may be\nrepaid without incurring a periodic finance charge: The \xe2\x80\x9cTotal Finance Charge\xe2\x80\x9d shown on your monthly statement consists of the finance charge\non purchases plus the finance charge on cash advances. Please refer to the Truth In Lending Disclosure that you received at the time of\napplication for the current Interest Rates and Interest Charges as well as our current Variable Rate Index and margins. If the entire current\nVISA balance as shown on your Monthly statement is paid in full by the payment due date shown on your monthly statement, you will not be\nassessed a periodic finance charge for the billing cycle ending on the payment due date.\nd) VISA Rewards, Variable Interest Rate (25-Day Grace Period, Purchases only). There is no grace period in which Cash Advances may be\nrepaid without incurring a periodic finance charge: The \xe2\x80\x9cTotal Finance Charge\xe2\x80\x9d shown on your monthly statement consists of the finance charge\non purchases plus the finance charge on cash advances. Please refer to the Truth In Lending Disclosure that you received at the time of\napplication for the current Interest Rates and Interest Charges as well as our current Variable Rate Index and margins. If the entire current\nVISA balance as shown on your Monthly statement is paid in full by the payment due date shown on your monthly statement, you will not be\nassessed a periodic finance charge for the billing cycle ending on the payment due date.\ne) Home Equity VISA Platinum, Variable Interest Rate. There is no grace period in which cash advances or purchases may be repaid without\nincurring a periodic finance charge: For the variable interest information, please refer to your LOANLINER Home Equity disclosures.\nf) The Aggie Card with Rewards, Variable Interest Rate (25-Day Grace Period, Purchases only). There is no grace period in which\nCash Advances may be repaid without incurring a periodic finance charge: The \xe2\x80\x9cTotal Finance Charge\xe2\x80\x9d shown on your monthly\nstatement consists of the finance charge on purchases plus the finance charge on cash advances. Please refer to the Truth In Lending\nDisclosure that you received at the time of application for the current Interest Rates and Interest Charges as well as our current Variable Rate\nIndex and margins. If the entire current VISA balance as shown on your Monthly statement is paid in full by the payment due date shown on\nyour monthly statement, you will not be assessed a periodic finance charge for the billing cycle ending on the payment due date.\ng) VISA Checking, Fixed Interest Rate (No Grace Period). There is no time period in which loan advances may be repaid without incurring a\nperiodic finance charge: The total finance charge shown on your monthly statement consists of the periodic finance charge on loan advanced\nto cover purchases, checks, and cash advances from the day of posting. Please refer to the Truth In Lending Disclosure that you received at\nthe time of application for the current Interest Rates and Interest Charges.\n9. Rebate Option. The amount of the rebate is computed on the amount of VISA card purchases made in the calendar year according to the\nfollowing breakdown: 1/4% on the portion of annual purchases $0 to $1,000, 1/2% on the portion of annual purchases $1,001 to $2,000, 3/4%\non the portion of annual purchases $2,001 to $3,000, 1% on the portion OVER $3,000. The rebate will be decreased by purchase credits and\nexcludes cash advances, advances made to pay off other loans, or any other increase of your VISA account balance, e.g. fees, interest\ncharges. Rebate deposits will be made to your savings account on an annual basis by February 28th.\n10. Extra Awards Option: Please see Extra Awards brochure or go to our website at gwcu.org for more details.\n11. Transaction Fee for Cash Advance. VISA Simply Platinum, VISA Simply Platinum Rebate, VISA Basic, VISA Rewards and The Aggie\nCard with Rewards: The cash advance fee is 1.50% of the amount advanced. There is no cash advance charge for the Home Equity VISA\nPlatinum and the VISA Checking Card.\n12. Balance Computation Method.\na) VISA Simply Platinum, VISA Simply Platinum Rebate, VISA Basic, VISA Rewards and The Aggie Card with Rewards Balance Computation\nMethod: Average daily balance including new purchases. For Home Equity Visa Platinum please refer to your LOANLINER Home Equity\nAddendum.\nb) VISA Checking Balance Computation Method: The balance used to compute the finance charge is the unpaid balance each day after\npayments and credits to that balance have been subtracted and new advances have been added.\n13. Annual Fee. There is not an annual fee for any Goldenwest VISA or USUCU card. Goldenwest reserves the right to implement an annual\nfee at any time in the future. There is a $3.00 biannual ATM renewal card fee.\n14. Replacement Card Charge. You may be assessed a fee of up to $5.00 the replacement of a lost or stolen card. Your account may be\nassessed a fee up to $5.00 for replacement of VISA Credit, VISA Checking or ATM card.\n15. Lost or Stolen Cards. You agree to promptly notify us orally or in writing if your card is lost or stolen. You may notify us of the loss by\nsending a written notice or calling us at the address or telephone number listed on each billing statement. You may be responsible for the\nunauthorized card use before we receive notice.\n\n\x0c16. Questions and Billing Errors. Please notify us immediately if you have any questions about your monthly statement. If you think we have\nmade a mistake on your statement, please refer to the section titled \xe2\x80\x9cIn Case of Errors or Inquiries About Your Account\xe2\x80\x9d included in this\ndisclosure and with your monthly statement. This tells you of your rights and methods to resolve billings errors.\n17. Research Charges. You may be assessed charges of $20.00 per hour and $5.00 per VISA photocopy for any research that you request on\nyour account, when the result of the research does not reveal an erroneous billing as defined by Federal Reserve Regulation Z of the Utah\nConsumer Credit Code.\n18. Late Fee. VISA Simply Platinum, VISA Simply Platinum Rebate, VISA Basic, VISA Rewards and The Aggie Card With Rewards: We may\nassess a late fee of up to $22.00 if your \xe2\x80\x9cMinimum Payment Due\xe2\x80\x9d is not made by the 15th day following your payment due date.\n19. Return Check Service Charge. A return check service charge of up to $22.00 will be assessed against your account for each check not\nhonored which you send as payment for your account. This $22.00 charge also applies to checks returned by us for non-sufficient funds. You\nrealize that adding the charge will cause the finance charge to increase.\n20. Automated Teller Machine (ATM) Charge. A transaction fee may be assessed on your account when you use your VISA or other card to\naccess information or make any transaction on your Credit Union account(s) from an ATM that is not operated by us in accordance with\napplicable laws.\n21. Pledge of Shares. Pursuant to state law, Goldenwest Credit Union holds the authority to impress and enforce a statutory lien on all present\nand future shares, savings, and/or deposits in all your individual and joint Credit Union accounts. The Credit Union has the right to apply all\nyour present and future shares, savings, and/or deposits toward the amount you owe if you are in default. The Credit Union also maintains a\ncontractual pledge of shares subject to your loan account, and security agreement.\n22. Security interests. To secure your account, you grant us a purchase money security interest under the Uniform Commercial Code in any\ngoods you purchase through your account. If you default, we will have the right to recover any of these goods which have not been paid for\nthrough application of your payments in the manner described in section 9. Except for Real Estate loans, collateral securing other loans with\nthe Credit Union shall also be used to secure this account.\n23. Default. You will be in default if any of the following occur:\n1) If you fail to make the minimum payment when due under this agreement or any other agreement you have with us.\n2) If any other creditor tries by legal process to take any money of yours that is in the Credit Union.\n3) If you make any misrepresentation or misstatement in obtaining any advance.\n4) If you become insolvent, declare bankruptcy or die or we, in good faith, believe that your ability to repay what you owe is, or will be, impaired.\nWhen you are in default, we may declare your entire balance due and payable at once without notice or demand.\n24. Collection Expenses. If you are in default under this agreement and the credit union demands full payment, you agree to pay interest on\nthe unpaid balance. If the Credit Union takes legal action against you under this agreement, you agree to pay reasonable attorney fees and\ncourt costs. In the event judgment is taken against you, you agree to pay interest on the judgment at the contract rate in effect at the time of the\njudgment.\n25. A VISA card may not be used for any illegal transaction.\n26. Canceling Agreement. You agree that the card(s) and/or checks you have are our property and that we may terminate this agreement if\nyou break any of your promises or you are in default under this agreement. You agree to return the card(s) and/or checks to us or we may pick\nthem up at any time after this agreement is terminated. You may end this agreement by returning the card(s) and/or checks to us, and paying\nthe outstanding balance on your account in full.\n27. Other Provisions. The Credit Union can delay enforcing any of its rights under this agreement without losing them.\n28. Merger Clause. This written agreement contains all the representations between the parties and may not be contradicted by evidence of\nany oral agreement or alleged oral agreement.\n29. Foreign Transactions. Effective April 1, 2008, the exchange rate between the transaction currency and the billing currency used for\nprocessing international transactions is a rate selected by Visa from the range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the\napplicable central processing date, plus 1% and .8% on single-currency international transactions.\n30. Personal Identification Number. We may issue, upon your request, a Personal Identification Number (PIN) for use with your card. This\nPIN is confidential and should not be disclosed to anyone. You may use your PIN to access your account and all sums advanced will be added\n\n\x0cto your account balance. In the event a use of your PIN constitutes and Electronic Funds Transfer, the terms and conditions of your Electronic\nFund Transfer Agreement may also affect your rights.\nYOUR BILLING RIGHTS IN CASE OF ERRORS OR INQUIRIES ABOUT YOUR ACCOUNT\nKeep this notice for further use. This notice contains important information about your rights, and our responsibilities under the Fair Credit\nBilling Act. Notify Us in Case of Errors or Questions About Your Bill. If you think your bill is wrong, or if you need more information about a\ntransaction on your bill, write to us (on a separate sheet) at the address listed on your bill. We must hear from you no later than 60 days after\nwe sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter,\ngive us the following information:\n\xe2\x80\xa2 Your name and account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error and explain, if you can, why you believe there is an error.\nIf you need more information, describe the item you are not sure about. If you have authorized us to pay your credit bill automatically from your\nshares or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three\nbusiness days before the automatic payment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice.\nWe must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error\nor explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question, or report you as\ndelinquent. We can continue to bill you for the amount you question, including finance charges, and we can apply any unpaid amount against\nyour credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated to pay the parts of your\nbill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any\nquestioned amount. If we didn\xe2\x80\x99t make a mistake, you may have to pay finance charges, and you will have to make up any missed payments on\nthe questioned amount. In either case we will send you a statement of the amount you owe and the date that it is due. If you fail to pay the\namount that we think you owe, we may report you as delinquent. However, if our explanation does not satisfy you and you write to us within ten\ndays telling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you\nthe name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If\nwe don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50.00 of the questioned amount, even if your bill was correct.\nSpecial Rule for Credit Card Purchases\nIf you have a problem with the quality of property or services that you purchased with a credit card, and you have tried in good faith to correct\nthe problem with the merchant, you may have the right not to pay the remaining amount due on the property or services.\nThere are two limitations on this right:\na) You must have made the purchase in your home state or, if not within your home state within 100 miles of your current mailing address; and\nb) The purchase price must have been more than $50.00. These limitations do not apply if we own or operate the merchant, or if we mailed you\nthe advertisement for the property or services.\nELECTRONIC FUNDS TRANSFER DISCLOSURE\nThis disclosure statement and agreement is made in compliance with Federal Law regulating EFT devices. \xe2\x80\x9cEFT\xe2\x80\x9d means Electronic Funds\nTransfer and refers to electronically initiated transfers of money from one account to another within Goldenwest Credit Union or USUCU, a\ndivision of Goldenwest Credit Union. An access device which can electronically initiate such a transfer is a VISA, STAR, PLUS, American\nExpress, Discover, MasterCard, or Co-op CIRRUS automated teller machine with a Credit Union issued VISA Checking or Credit card or an\nATM card when used with your Personal Identification Number (PIN). The access device for the Home Access system can either be a touchtone phone, on-line branch, or mobile branch, your account and \xe2\x80\x9cPIN.\xe2\x80\x9d\n1. Transfers You May Initiate.\na) You may use your access device in a Goldenwest automated teller machine to do any of the following: 1) Transfer funds between your share\nsavings account and your checking account; 2) Make payments on your main account loan or Line of Credit loan by transferring funds from\nyour share savings account or your checking account or in cash or by check; 3) Initiate a cash advance from your Line of Credit; 4) Withdraw\nfunds from your share savings or checking account.\nb) You may use your access device with Home Access\xc2\xae phone, On-line branch, or Mobile Branch to: 1) Transfer funds between your share\nsavings account, your checking account or your insured money market fund; 2) Make payments on all the loans and Line of Credit loans on\nyour account by transferring funds from your share savings account, your checking account or insured money market fund. Transfers from the\nshare savings account are limited to six (6) times a month.\nc) You may use your access device in another institution\xe2\x80\x99s automated teller (see the back of your card for the ATM networks you may use) to\ndo the following: 1) Transfer funds between your share savings account and your checking account; 2) Initiate cash advances from your Line of\nCredit; 3) Withdraw funds from your share savings or checking account; 4) Make deposits to your share savings account or checking account.\n\n\x0cThe types of transfers you may initiate depend upon the type of accounts you have with Goldenwest Credit Union or USUCU, a division of\nGoldenwest Credit Union. Automated transfers include transactions initiated by you with your card and PIN as long as the machine is capable\nof performing that transaction or with a touch tone telephone, your access code and you \xe2\x80\x9cPIN\xe2\x80\x9d (Home Access Phone). Automated transfers\nalso include transactions initiated by another person to whom you have given consent to use your card and/or \xe2\x80\x9cPIN.\xe2\x80\x9d If you choose to withdraw\nthis consent from another individual, you must contact us immediately.\n2. Charges. There is no transaction charge for using a Goldenwest Credit Union or USUCU Automated Teller Machine when using\na Goldenwest Credit Union card or a USUCU card. In the event that your account becomes overdrawn, a non-sufficient fund charge will be\nassessed. Checks returned on deposits or payments will be subject to a fee of up to $22. There will be a fee for using a foreign (nonGoldenwest or non-USUCU) ATM. In the future, the Credit Union, at its discretion may make additional charges. Notification of such charges\nwill be sent to you according to the requirements of Federal Law regulating EFT access devices.\n3. Your Liability. You may be liable for any unauthorized transfers of money from your share savings, checking account, insured money market\nor Line of Credit account. You may protect yourself by prompt reporting of any loss or theft of your access devices or any unauthorized\ntransfers.\n4. Liability Disclosure. Tell us AT ONCE if you believe your card or PIN has been lost or stolen, Telephoning is the best way of keeping your\npossible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you believe your card or PIN\nhas been lost or stolen, and you notify us immediately after you learn of the loss or theft, you can keep your loss at a minimal amount.\n5. Whom to Contact Upon Loss / Error / Questions. If you believe your card or PIN has been lost or stolen, or that someone has transferred or\nmay transfer money from your account without your permission then contact us immediately. It would be best to call us at our telephone\nnumbers: Ogden \xe2\x80\x93 801-621-4550, Toll-Free 1-800-283-4550 or after hours 1-800-682-6075, or you may write to us at Goldenwest Credit\nUnion, P.O. Box 1111, Ogden, Utah 84402. Written notice of loss or theft is effective at the time you mail or otherwise send notice to us.\nIf you do NOT tell us within two business days after you learn of the loss or theft of your card and/or PIN, and we can prove we could have\nstopped someone from using your card and/or PIN without your permission if you had told us, you could be held liable for loss or theft.\nAlso, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed\nto you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the\nmoney if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we may extend the time\nperiods.\n6. In Case of Errors or Questions About Your Electronic Transfers. Telephone us at 801-621-4550, or toll-free at 1-800-283-4550 or 1-800-2486361 or write us at P.O. Box 1111, Ogden, Utah 84402, as soon as you can, if you think your statement or receipt is wrong or if you need more\ninformation about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement\non which the problem or error appeared.\n1) Tell us your name and account number.\n2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need\nmore information.\n3) Tell us the dollar amount of the suspected error.\nIf you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will tell you the results of\nour investigation within 20 business days after we hear from you and will correct any error promptly. If we need more time, however, to do this,\nwe will credit your account within 10 business days, the amount you think is in error, so that you will have the use of the money during the time\nit takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business\ndays, we may not credit your account. If we decide that there was no error, we will send you a written explanation within three business days\nafter we finish our investigation. You may ask for copies of the documents that we used in our investigation.\n7. Limitations on Dollar Amount of Transfers. You may withdraw up to five hundred dollars ($500.00) from the automated teller machines each\nday.\n8. Disclosure of Information About You to Others. Except as required or allowed by law, we will not disclose information regarding your\nelectronic funds transfers initiated by your access device.\n9. Periodic Statements. Your account statements will tell you the amount and number of deposits, payments, withdrawals, transfers\nor advances which have been made from your share savings account, Checking account, insured Money Market account of Line of Credit. We\nwill record the necessary information regarding your use of the machine. These receipts should be kept for future reference and to check the\ncorrectness of your periodic statement.\n\n\x0c10. Our Liability. We are not liable to you for any damages that may result from our failure to make a transfer if your account has insufficient\nfunds; or, if your funds are subject to legal process or other encumbrance which restricts transfer, or such transfer would exceed an established\ncredit limit or if the automated teller machine where you are making the transfer does not have enough cash, or if the system was not working\nproperly and you knew about the break down when you started the transfer or if circumstances beyond our control (such as fire or flood)\nprevent the transfer despite reasonable precautions we have taken.\nThe cards and PIN are the property of Goldenwest Credit Union and must be returned upon request.\n11. Availability and Limits on Use. (ACH Program and Telephone Transfer-Upon Your Request.) We may authorize debits (withdrawals) from or\ncredits (deposits) to any of your Credit Union accounts or initiate a transfer of funds from your accounts; maximum six (6) per calendar month.\n12. Business Day. (Applies to all covered transactions.) For the purpose of this agreement our business days are Monday through Friday.\nHolidays are not included.\nGOLDENWEST FEDERAL CREDIT UNION\nP.O. Box 1111\nOgden, Utah 84402\nOgden Area: 801-621-4550\nToll-Free: 1-800-283-4550 or 1-800-682-6075\n\n\x0c'


b'Vibrant Credit Union\n\nCREDIT CARD AGREEMENT\n\n1900 52nd Avenue\nMoline, IL 61265\n(309) 796-7500\nBORROWER 1\n\nACCOUNT NUMBER\n\nBORROWER 2\n\nDATE\n\nIn this Agreement, \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any person who accepts this Agreement or uses the Card. The \xe2\x80\x9cCard\xe2\x80\x9d means any credit card issued to you or those designated\nby you under the terms of this Agreement. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and the \xe2\x80\x9cCredit Union\xe2\x80\x9d means Vibrant Credit Union or its successors. By using your card, you agree to all of\nthe terms and conditions set forth herein.\nOwnership of Card. Your Card remains our property and may be cancelled by us\nat any time without notice. You agree to surrender your Card and to discontinue\nuse of the account immediately upon our request.\nInterest Charges. You agree to pay interest at the rate(s) disclosed to you at the\ntime you open your account and as may be changed from time to time in\naccordance with applicable law. Average Daily Balance including new\ntransactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the\nbeginning balance each day, add any new purchases, cash advances, balance\ntransfers or other advances, and subtract any payments, unpaid interest charges,\nand unpaid late charges. This gives us the daily balance. Then, we add up all the\ndaily balances for the billing cycle and divide that by the number of days in the\nbilling cycle. We then multiply that by the periodic rate corresponding to the Annual\nPercentage Rate on your account. If you have different rates for purchases, cash\nadvances or balance transfers, separate average daily balances for each will be\ncalculated and the appropriate periodic rate is then applied to each.\nUsing Your Card. You can purchase or lease goods and services from any Grace Period on Purchases Only: You can avoid Interest Charges on purchases\nmerchant who honors your Card, and you may obtain cash advances from financial by paying the full amount of the new balance for purchases each month by the\ninstitutions and ATM machines that accept the Card, up to your maximum credit limit. date on which the payment is due. Otherwise, the new balance of your account,\nYou agree not to present your Card or obtain a cash advance for any extension of and subsequent advances from the date they are posted to the account, will be\ncredit in excess of your available credit limit; however, if you do exceed your credit subject to an Interest Charge. You cannot avoid Interest Charges on cash\nlimit, you agree to make immediate payment sufficient to bring the balance below the advances and balance transfers; even if you pay the entire cash advance balance\ncredit limit. Certain purchases and cash advances require authorization prior to or balance transfer balance by the payment due date, you will incur the Interest\ncompletion of the transaction. In some cases, you may be asked to provide Charges accrued from the date the cash advance or balance transfer is posted to\nidentification. If our system is not working, we may not be able to authorize a your account.\ntransaction, even though you have sufficient credit available. Also, for security Fees. In addition to the Interest Charges set forth above, you agree to also pay\nreasons, we may block the use of your Card in certain countries or geographic areas. any and all fees that you incur as disclosed to you on your Truth-in-Lending\nStatement or similar disclosures (as may be amended from time to time), or as\nWe will have no liability to you or others if any of these events occur.\nPersonal Identification Number (PIN). We may issue a Personal Identification disclosed to you during the term of your Card.\nNumber (PIN) for use with your Card. This PIN is confidential and should not be If Your Card is Lost or Stolen or if an Unauthorized Use Occurs. You agree to\ndisclosed to anyone. You may use your PIN and your Card to access your account, notify us immediately if your Card is ever lost or stolen or if an unauthorized use\nand all sums advanced will be added to your account balance. In the event a use of may have occurred. "Unauthorized use" means the use of the Card by someone\nyour PIN constitutes an Electronic Funds Transfer, the terms and conditions of your other than you who does not have actual, implied or apparent authority for such\nuse, and from which you receive no benefit. The telephone number to call is (800)\nElectronic Funds Transfer Agreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, cash 323-5109. You agree to follow up your call with notice in writing to us at: 1900 52nd\nadvances, and balance transfers made by you or anyone whom you authorize to use Avenue, Moline, IL 61265. You also agree to assist us in determining the facts,\nthe Card; (b) all Interest Charges and all other charges or fees as allowed by law; (c) circumstances and other pertinent information relating to any loss, theft or possible\ncollection costs and attorney\'s fees as permitted by applicable law, and any costs unauthorized use of your Card and comply with such procedures as we may\nincurred in the recovery of the Card as allowed by applicable law; and (d) credit in require in connection with our investigation. You will have no liability for Mastercard\ntransactions not authorized by you, provided that you have exercised reasonable\nexcess of your credit limit that we may extend to you.\ncare in safeguarding the Card from risk of loss or theft, and upon becoming aware\nIllegal Transactions. You agree that your Card and account will not be used to\nof such loss or theft, you promptly report the loss or theft to us.\nmake or facilitate any illegal transactions as determined by applicable law; and that\nany such use will constitute an event of default under this Agreement. We may Minimum Payment Due; Crediting of Payments. Payments are due in the\ndecline any transaction that we believe to be illegal under applicable law, including amount and on the date disclosed on your billing statement. If your payment is\nbut not limited to any transaction involving or relating to any gambling activity. You received by us on a business day at the address and by the time designated on\nagree that we will have no liability or responsibility for any such use by you or any the billing statement, it will be credited to your account on the date of receipt. If\nauthorized user(s); or for declining any such transaction. You further agree to payment is made at any location other than the address designated on the\nindemnify and hold us harmless from any suits, liability, damages or adverse action periodic statement, credit for such payment may be delayed up to five (5) days.\nof any kind that results directly or indirectly from such illegal use. You promise to pay Payments will be applied in any order we determine, subject to applicable law.\nus any and all amounts owing on your Card for any transactions made by you, even Default; Acceleration; Credit Suspension; Collection Costs.\nif the transaction is determined to be illegal.\nDefault: The following provision applies to borrowers in Idaho, Kansas, and\nJoint Accounts. Each of you will be responsible, jointly and severally, for the Maine: You will be in default if (1) you do not make a payment of the required\nrepayment of amounts owed, regardless of who initiated any transaction under the amount when due; or (2) we believe the prospect of payment, performance, or\nrealization on any property given as security is significantly impaired.\naccount.\nOthers Using Your Account. If you allow anyone else to use your account, you will The following provision applies to borrowers subject to the Wisconsin\nbe liable for all credit extended to such persons. You promise to pay for all purchases Consumer Act: You shall be in default under this Agreement if any of the following\nand advances made by anyone you authorize to use your account, whether or not occur: (a) you fail to make a payment when due on 2 occasions within any 12you notify us that he or she will be using it. If someone else is authorized to use your month period; OR (b) you breach any term or condition of this Agreement, which\naccount and you want to end that person\'s privilege, you must notify us in writing, and breach materially impairs your ability to pay amounts when due or materially\nif he or she has a Card, you must return that Card with your written notice for it to be impairs the condition, value, or protection of our rights to or in any collateral\nsecuring this transaction.\neffective.\n9011 LASER FPDF FI15970 Rev 8-2018\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\npage 1 of 3\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.\n\n\x0cBORROWER NAME\n\nACCOUNT NUMBER\n\nThe following provision applies to all other borrowers: You will be in default if: (1)\nyou fail to make any payment on time; (2) if you fail to keep any promises you have\nmade under this Agreement or under other Agreements you have with us; (3) if you\ndie; (4) if you file a petition in bankruptcy or have a bankruptcy petition filed against\nyou, or if you become involved in any insolvency, receivership or custodial\nproceeding; (5) if anyone attempts to take any of your funds held by us via legal\nprocess or if you have a judgment or tax lien filed against you; (6) if you make any\nfalse, inaccurate, or misleading statements in any credit application or credit update;\nor (7) if we, in good faith, believe that your ability to repay what you owe is or soon\nwill be impaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your full\naccount balance without giving you notice. If immediate payment is demanded, you\nagree to continue paying interest charges and fees until what you owe has been\npaid, and any shares that were given as security for your account may be applied\ntowards what you owe. You agree to pay all reasonable costs of collection, including\ncourt costs and attorney\'s fees, and any costs incurred in the recovery of the Card,\nsubject to applicable law. Even if your unpaid balance is less than your credit limit,\nyou will have no credit available during any time that any aspect of your account is in\ndefault.\nActions Upon Default: If applicable state law requires a notice of default and an\nopportunity to cure that default, we will grant you those rights before we exercise our\nremedies. If you default, upon the expiration of any applicable rights to cure that\ndefault, we may declare all amounts immediately due and payable, and you must\nimmediately pay us the total unpaid balance (as well as interest charges to date, if\nallowed by applicable law), any late charges, and all collection costs permitted under\nlaw. The principal balance in default shall bear interest at the contract rate, or a\ndefault rate if one has been disclosed to you, or another rate if required by applicable\nlaw. If immediate payment is demanded, you agree to continue paying interest\ncharges and fees until what you owe has been paid, and any shares that were given\nas security for your account may be applied towards what you owe. Even if your\nunpaid balance is less than your credit limit, you will have no credit available during\nany time that any aspect of your account is in default.\nCosts of Collection: You shall pay all costs incurred by us in collecting any amount\nyou owe or in enforcing or protecting our rights. Costs of collection include, but are\nnot limited to, collection agency fees. The following applies to all borrowers except\nWisconsin borrowers: Costs of collection include reasonable attorney\xe2\x80\x99s fees for any\naction taken by any attorney as allowed by applicable law in order to collect this loan\nor preserve or protect our rights and remedies, including, without limitation, pre-suit\ndemands for payment, pre-suit mediation or settlement negotiations, investigation\nand assessment of our rights, participation in bankruptcy cases, matters, and\nproceedings (including, without limitation, filing proofs of claim, pursuing reaffirmation\nagreements, attending meetings of creditors, and pursuing complaints, motions, and\nobjections that relate in any way to the credit union\'s collateral or right to payment),\ncollateral disposition, non- bankruptcy suits and/or administrative actions, and\nappeals. For Alabama borrowers: attorney\'s fees after default shall not exceed 15%\nof the unpaid debt, or such higher amount as a court may allow. For Georgia\nborrowers: attorney\'s fees shall not exceed 15% of principal and accrued interest, or\nsuch higher amount as a court may allow. For Wisconsin borrowers: We may collect\nonly those costs and fees allowed by the Wisconsin Consumer Act, other applicable\nWisconsin law, or by a court of competent jurisdiction.\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 your\ncredit card or deposit obligations to us or you cause a loss to us. We shall not be\nliable to you in any regard in connection with such suspension of services.\nAdditional Benefits/Card Enhancements. We may from time to time offer\nadditional services to your Account at no additional cost to you. You understand that\nwe are not obligated to offer such services and may withdraw or change them at any\ntime.\nConvenience Checks. We may, at our discretion, issue checks to you which may\nbe used for any purpose other than making a payment for credit to your account. By\nsigning such check, you authorize us to pay the item for the amount indicated and\npost such amount as a cash advance to your account. We do not have to pay any\nitem which would cause the outstanding balance in your account to exceed your\ncredit limit.\nCredit Information. We may from time to time request personal information from\nyou or obtain credit reports from the credit reporting agencies for the purpose of\nupdating your credit status. Your failure to provide such information when requested\nby us may result in suspension of credit privileges under this Agreement, including\nyour ability to obtain any future advances by any means. You authorize us to\ninvestigate your credit standing when opening or reviewing your account. You\nauthorize us to disclose information regarding your account to credit bureau and\ncreditors who inquire about your credit standing.\n\nForeign Transactions; Currency Conversion. Purchases and cash advances\nmade in foreign currencies will be billed to you in U.S. dollars. The conversion rate in\ndollars will be a rate selected by the card company from a range of rates available in\nwholesale currency markets for the applicable central processing date, which rate\nmay vary from the rate the card company itself receives, or the governmentmandated rate in effect for the applicable central processing date in each instance. All\ntransactions processed outside of the United States (which may include internet\ntransactions) will be charged a foreign transaction fee in the amount disclosed on\nyour Truth-in-Lending Statement (as amended from time to time).\nTermination; Change-in-Terms. We may, by written notice, terminate this\nAgreement at any time, subject to applicable law. You may terminate this Agreement\nby written notice. Termination by either party shall not affect your obligation to repay\nany balance on your account resulting from use of the Card as well as Interest\nCharges and fees incurred. We may change the terms of this Agreement, including\nthe method of calculating the periodic rate, at any time, by written notice, subject to\napplicable law. Use of the Card constitutes agreement and acceptance of any\nchange in terms, unless applicable law requires otherwise. Our failure to exercise\nany of our rights or to take any action shall not constitute a waiver of those rights, or\nan amendment or change in any of the terms of this Agreement.\nLate or Partial Payments. Any payment that delays the reduction of your balance\nwill increase your total interest costs. Partial payments or prepayments will not delay\nyour next scheduled payment - you will still need to make the minimum scheduled\npayment by the next scheduled due date to keep your account current. We may\naccept late payments, partial payments, checks or money orders marked "payment\nin full" and such action shall not constitute final settlement of your account or a waiver\nor forgiveness of any amounts owing under this Agreement.\nEnforcement. We do not lose our rights under this or any related agreement if we\ndelay enforcing them. If any provision of this or any related agreement is determined\nto be unenforceable or invalid, all other provisions remain in full force and effect.\nReturns and Adjustments. Merchants and others who honor the Card may give\ncredit for returns or adjustments, and they will do so by submitting a credit slip which\nwill be posted to your account. If your credits and payments exceed what you owe\nus, the amount will be applied against future purchases and cash advances. If the\ncredit balance amount is $1 or more, it will be refunded upon your written or verbal\nrequest.\nPlan Merchant Disputes. We are not responsible for the refusal of any plan\nmerchant or financial institution to honor your Card. Also, we are not responsible for\ngoods or services that you purchase with the Card unless: (a) your purchase was\nmade in response to an advertisement we sent or participated in sending you; or (b)\nyour purchase cost more than $50 and was made from a plan merchant in your state\nor within 100 miles of your home; and only if you have made a good faith attempt,\nbut have been unable to obtain satisfaction from the plan merchant. You must\nresolve all other disputes directly with the plan merchant. We do not warrant any\nmerchandise or services purchased by you with the Card.\nStatements and Notices. Statements and notices will be mailed to you at the most\nrecent postal address or e-mail address (if you have elected to receive such\ndocuments via electronic means) you have given us. Notice sent to any one of you\nwill be considered notice to all.\nNotification of Address Change. You will notify us promptly if you change your\naddress for any reason. In order to prevent identity theft, your identity may need to be\nverified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of this Agreement.\nGoverning Law. This Agreement shall be construed under federal law and state law\nin the state in which we are primarily located, and the venue shall be located in the\ncounty and state in which we are primarily located. Operating regulations of\nMastercard may also apply. This Agreement is the contract that applies to all\ntransactions even though the sales, cash advance, convenience check, credit or\nother slips you sign or receive may contain different terms.\nNOTICE TO UTAH BORROWERS: This written agreement is a final expression of\nthe agreement between you and the Credit Union. This written agreement may not\nbe contradicted by evidence of any oral agreement.\nNOTICES TO WISCONSIN BORROWERS: (1) If you are married and are extended\nindividual credit, Wis. Stat. 766.56(3)(b) requires us to notify your spouse of the\nextension of credit. If we receive written notice of termination from your spouse\npursuant to Wis. Stat. Section 766.565(5), we may declare you in default of the Plan\nand call the entire extension of credit due and payable notwithstanding Wis. Stat.\nSections 425.103 and 425.105. If the Plan is called due and payable, you may have\ncertain rights to cure the default. (2) Additionally, no provision of a marital property\nagreement, a unilateral agreement under Wis. Stat. 766.59, or a court decree under\nWis. Stat. 766.70 adversely affects our interests unless prior to the time the credit is\nextended, we are furnished with a copy of the agreement or statement, or have\nactual knowledge of the adverse provision when the obligation is incurred.\n\npage 2 of 3\n\n\x0cBORROWER NAME\n\nACCOUNT NUMBER\n\nBILLING RIGHTS NOTICE\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair\nCredit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(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\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\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\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or\nany 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\namount in question, along with applicable interest and fees. We will send\nyou a statement of the amount you owe and the date payment is due. We\nmay then report you as delinquent if you do not pay the amount we think\nyou owe.\nIf you receive our explanation but still believe your bill is wrong, you must write\nto us within 10 days telling us that you still refuse to pay. If you do so, we\ncannot 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.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\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\ncredit 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\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\npage 3 of 3\n\n\x0cVibrant Credit Union\n1900 52nd Avenue\nMoline, IL 61265\n(309) 796-7500\n\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card are\naccurate as of ________________.You can contact us toll free at (800) 323-5109 or 1900 52nd Avenue, Moline, IL 61265 to\ninquire if any changes occurred since the effective date.\nINTEREST RATES and INTEREST CHARGES:\n\nAnnual Percentage Rate (APR)\nfor Purchases, Cash Advances,\n& Balance Transfers\nPenalty APR and When it\nApplies\n\nVibrant Credit Mastercard /\nVibrant Credit Secured Mastercard\n\nVibrant Credit Rewards Mastercard /\nVibrant Credit Secured Rewards Mastercard\n\n9.90%- 18.00%\n\n18.00%- 23.99%\n\ndepending on your credit history\n\ndepending on your credit history\n\n18.00%\nThis APR may be applied to your\naccount if you make a payment that\nis late 60 days or more.\n\n23.99%\nThis APR may be applied to your account if\nyou make a payment that is late 60 days or\nmore.\n\nHow Long Will the Penalty APR\nApply? If we increase your APRs\ndue to a late payment, we may keep\nthem at this higher level on existing\nand new balances until you make six\nconsecutive on-time payments.\n\nHow Long Will the Penalty APR Apply? If\nwe increase your APRs due to a late\npayment, we may keep them at this higher\nlevel on existing and new balances until you\nmake six consecutive on-time payments.\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not\ncharge you interest on purchases if you pay your entire new purchase balance by the\ndue date each month. We will begin charging interest on cash advances and balance\ntransfers on the date the cash advance or balance transfer is posted to your account.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the\nwebsite of the Consumer Financial Protection Bureau at\nhttp:// www.consumerfinance.gov/learnmore\n\nFEES:\n\nFees to Open or Maintain your\nAccount\n\xe2\x80\xa2 Annual Fee:\n\xe2\x80\xa2 Application Fee:\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer:\n\xe2\x80\xa2 Cash Advance:\n\xe2\x80\xa2 Foreign Transaction:\n\nVibrant Credit Mastercard /\nVibrant Credit Secured Mastercard\n\nVibrant Credit Rewards Mastercard /\nVibrant Credit Secured Rewards Mastercard\n\nNone\nNone\n\n$0.00 for the first year; $50.00 thereafter\nNone\n\nNone\nNone\n1% of each transaction in U.S. dollars if the transaction involves a currency conversion\n1% of each transaction in U.S. dollars if the transaction does not involve a currency\nconversion\nSEE NEXT PAGE for more important information about this account\n\n9009 LASER FPDF FI15968 Rev 8-2018\n\npage 1 of 2\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cFEES:\nPenalty Fees\n\xe2\x80\xa2 Late Payment:\n\xe2\x80\xa2 Over-the-Credit Limit:\n\xe2\x80\xa2 Returned Payment:\n\nIf your payment is more than 10 days late, up to $25.00 for the first offense and up to\n$35.00 each if 2 or more offenses occur within 6 months.\nIf you exceed your credit limit, up to $25.00 for the first offense and up to $35.00 each\nif 2 or more offenses occur within 6 months.\nIf your payment is returned for any reason, up to $25.00 for the first offense and up to\n$35.00 each if 2 or more offenses occur within 6 months.\n\nHow We Will CalculateYour Balance: We use a method called "average daily balance (including new purchases)."\n\npage 2 of 2\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA PLATINUM PREFERRED/ABNB BLACK\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum Preferred\n\n6.99% to 16.50%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nABNB Black\n\n9.50% to 12.49%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nAPR for Balance Transfers\n\nVisa Platinum Preferred\n0%\nIntroductory APR until December 31, 2021 .\nAfter that, your APR will be 6.99% to 16.50%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nABNB Black\n0%\nIntroductory APR until December 31, 2021 .\n\nAPR for Cash Advances\n\nAfter that, your APR will be 9.50% to 12.49%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nVisa Platinum Preferred\n6.99% to 16.50%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\nABNB Black\n9.50% to 12.49%, when you open your account, based on your\ncreditworthiness. This APR will vary with the market based on the Prime\nRate.\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\nAnnual Fee\n- Annual Fee\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nNone\n\nSEE NEXT PAGE for more important information about your account.\nABNB Federal Credit Union\n04502957-MXC10-C-2-111820 (MXC101-E)\n\n\x0cTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee - Visa Platinum\nPreferred\n- Foreign Transaction Fee - ABNB Black\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\n3.00% of the amount of each balance transfer\nNone\n1.00% of each multiple currency transaction in U.S. dollars\n0.80% of each single currency transaction in U.S. dollars\nNone\nUp to $29.00\nUp to $29.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR:\nThe Introductory APR for balance transfers will apply to transactions posted to your account from January 1st, 2021\nuntil June 30th, 2021\n. Any existing balances on ABNB Federal Credit Union loan or credit card accounts are not\neligible for the Introductory APR for balance transfers.\nLoss of Introductory APR:\nWe may end your Introductory APR for balance transfers and apply the prevailing non-introductory APR if you are 60 days\nlate in making a payment.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: January 1st, 2021\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Platinum Preferred and ABNB Black are secured credit cards. Credit extended\nunder this credit card account is secured by various personal property and money including, but not limited to:\n(a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this\naccount on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit\nUnion excluding shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union\nexcluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when\nyou are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nLate Payment Fee:\n$29.00 or the amount of the required minimum payment, whichever is less, if you are three or more days late in making a\npayment.\nBalance Transfer Fee (Finance Charge):\n3.00% of each balance transfer. However, this fee is waived on any balance transfer transactions posted after the\nPromotional Period stated above.\nReturned Payment Fee:\n$29.00 or the amount of the required minimum payment, whichever is less.\nCard Replacement Fee:\n$10.00.\nRush Fee:\n$25.00.\nStatement Copy Fee:\n$5.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\nABNB Federal Credit Union\n\n04502957-MXC10-C-2-111820 (MXC101-E)\n\n\x0c'