b'\x0caccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nMastercard Platinum Cash Back, Mastercard Platinum Rewards, Mastercard Platinum Secured - For each billing\nperiod, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $20.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$20.00, then Your Minimum Payment Due is the amount of the total New Balance.\nMastercard Platinum Preferred - For each billing period, You must pay at least the Minimum Payment Due by the\nPayment Due Date.\nThe Minimum Payment Due is 1.50% of Your total New Balance, or $20.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$20.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of Your\nAccount, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate used to convert foreign currency transactions to U.S. dollars is based on rates\nobserved in the wholesale market or government-mandated rates, where applicable. The currency conversion rate\nMastercard uses for a particular transaction is the rate for the applicable currency on the date the transaction occurs.\nPage 2 of 6\n04501631-MXC30-P-1-052821 (MXC304-E)\n\n\x0cHowever, in limited situations, particularly where transaction submissions to Mastercard for processing are delayed, the\ncurrency conversion rate Mastercard uses may be the rate for the applicable currency on the date the transaction is\nprocessed.\nA fee (finance charge) will be charged on all foreign transactions. A foreign transaction is any transaction that You\ncomplete or a merchant completes on Your Card outside the United States. All fees are calculated based on the\ntransaction amount after it is converted to U.S. dollars and are charged except where excluded. Transactions completed\nby merchants outside of the United States are considered foreign transactions, regardless of whether You are located\ninside or outside the United States at the time of the transaction. The Foreign Transaction Fee is set forth on the Account\nOpening Disclosure accompanying this Agreement.\n8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at One BayPort Way,\nSuite 350 , Newport News, VA, 23606 or call Us toll-free at 757-928-8850 or 1-800-928-8801, seven days a week 24\nhours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. However, if You exercise reasonable care in safeguarding Your\nCard from risk of loss or theft and, upon discovering the loss or theft promptly report the loss or theft to Us, You will not be\nliable for any unauthorized transactions. In any case, Your liability for unauthorized transactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nPage 3 of 6\n04501631-MXC30-P-1-052821 (MXC304-E)\n\n\x0cor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS \xe2\x80\x94 You authorize the Credit Union to obtain credit reports and any other information We may\nneed to verify Your identity and use of the Account when opening Your Account and for any update, increase, renewal,\nextension, collection, or review of Your Account. You authorize the Credit Union to disclose information regarding Your\nAccount to credit bureaus and creditors who inquire about Your credit standing.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nVirginia.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\nPage 4 of 6\n04501631-MXC30-P-1-052821 (MXC304-E)\n\n\x0c28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Department of Financial Services at 800.342.3736 or www.dfs.ny.gov to obtain\na comparative listing of credit card rates, fees and grace periods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\n30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\nMastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.\n\nPage 5 of 6\n04501631-MXC30-P-1-052821 (MXC304-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n04501631-MXC30-P-1-052821 (MXC304-E)\n\n\x0c'


b'Matanuska Valley Federal\nCredit Union VISA Credit Card\nApplication Disclosures\nINTEREST RATES AND INTEREST CHARGES\n\nAnnual Percentage Rate (APR) for\nPurchases\n\n7.25% to 10.25%, based on your creditworthiness when you open your\naccount. This APR will vary with the market based on the U.S. Prime Rate.*\n\nAPR for Cash Advances and Balance\nTransfers\n\n7.25% to 10.25%, based on your creditworthiness when you open your\naccount. This APR will vary with the market based on the U.S. Prime Rate.\n\nPaying Interest\n\nYour due date is approximately 30 days after the close of each billing cycle.\nWe will not charge any interest on the portion of the purchases balance that\nyou pay by the due date each month. We will begin charging interest on cash\nadvances and balance transfers on the transaction date.\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nTo learn more about factors to consider when applying for or using a credit\ncard, visit the website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\nFEES\n\nAnnual Fee\n\nNone\n\nTransaction Fees \xe2\x80\xa2 Cash Advance Fee $5 per day 2% of the US dollar amount of the foreign transaction.\n\xe2\x80\xa2 Foreign Transaction Fee\nPenalty Fees \xe2\x80\xa2 Late Payment Fee \xe2\x80\xa2\nReturned Item Charge\n\nUp to $15 Up to $15\n\nOTHER CARD FEATURES\n\nCredit Companion\n\nIf you elect to obtain the optional loan protection coverage and pay the\nmonthly protection fees, we will cancel your payment(s) or entire loan\nbalance if you become disabled or in the event of death. Hospitalization\nbenefit is also available.\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance\xe2\x80\x9d (including new purchases).\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your\nCredit Card Account Agreement.\nIn addition to the fees above, we may also charge the following fees:\nCard Replacement\nFee: $10.00 per card\nStatement Copy\nFee: $2.50 per statement\n*The APR is based on the US Prime Rate of 3.25% as of December 1, 2011. We add a margin of between 4.0% and 7.0%\nto determine your APR.\nThe above rates and fees are effective as of January 16, 2012.\n\n\x0c'


b'MATANUSKA VALLEY FEDERAL CREDIT UNION\nVISA CLASSIC CREDIT CARD AGREEMENT\n\n1020 S. Bailey St.\nPalmer, Alaska 99645\n(907) 745-4891\n(907) 694-4891\nFax: (907) 745-9131\nwww.mvfcu.coop\n\n1.\nINTRODUCTION. This Agreement covers this VISA Classic Credit Card account, issued by Matanuska Valley Federal\nCredit Union (\xe2\x80\x9cLender\xe2\x80\x9d). In this Agreement the words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d \xe2\x80\x9cyours,\xe2\x80\x9d \xe2\x80\x9capplicant,\xe2\x80\x9d and \xe2\x80\x9cBorrowers\xe2\x80\x9d mean any person who\nsigns the application for this Account, any joint obligor, guarantor, authorized user, or the person whose name is embossed on the\nCard. The words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d and \xe2\x80\x9cLender\xe2\x80\x9d means the Matanuska Valley Federal Credit Union. The word \xe2\x80\x9cCard\xe2\x80\x9d means any\none or more credit cards issued under the Credit Union\xe2\x80\x99s VISA Card program. If you sign an application for this Account or sign\nor use any Card or PIN, or allow others to use the Card or PIN, you and they will have accepted this Agreement just as if you and\nthey signed it, and you and they, jointly and severally, will be bound by the following terms and conditions which will govern this\nAccount.\n2.\n\nACCOUNT ACCESS.\na. Purchases and Cash Advances. You must sign the Card to use it. Once you have signed the Card, you can use it to buy or\nlease goods or services, wherever the Card is honored, up to the full amount of your credit line. You may use your Account\nto get cash advances from us. You may also use your Card to get a cash advance from participating financial institutions or\nautomated teller machine (ATM). You may use your Card to purchase goods and services any place your VISA Card is honored\nby participating merchants. No purchase may exceed the available funds in your account. The Credit Union reserves the right\nto refuse any transaction that would draw upon insufficient funds.\nb. VISA Convenience Checks. If we approve, you may obtain advances under your Account by writing preprinted VISA\nconvenience loan checks that we supply to you. Your use of loan checks will be shown as cash advances on your monthly\nstatement. We may not honor your loan check if: your check is post-dated; payment of the check would exceed your Credit\nLimit; a check is signed by person without authorized access; the amount of the check is less than the minimum required amount;\nyour Account has been terminated or suspended, or any drafts have been reported lost or stolen. You may stop payment on a\nloan check if you provide us with the exact information describing the check. If you give us incorrect information, we will\nnot be responsible for failing to stop payment. You understand there may be a charge for each stop payment order requested.\nOur liability for a wrongful dishonor is limited to your actual charges, however, a dishonor for the reasons stated above is not a\nwrongful dishonor. Only the person whose name is printed on a convenience check may sign it. All convenience checks must\nbe written in U.S. dollars. We will not certify a convenience check. You may write these checks for any amount providing your\ntotal outstanding balance does not exceed your available credit limit and your credit card account remains in good standing. We\nare entitled to return it unpaid if there is not enough available credit on your account to pay it, if you are in default under this\nAgreement, if your card or convenience checks have been reported lost or stolen, or if the convenience check is post-dated.\nOver-limit fees will be charged as applicable. A VISA convenience check may not be used to make a payment on your VISA\ncredit card account. The Credit Union shall have no liability for any convenience check returned in excess of your credit line.\n\n3.\nYOU PROMISE TO PAY. You promise to pay us all such amounts, plus any Interest Charges, which arise from use of the\nCard or Account by you or any other person, and to be jointly and severally liable with such a person, unless such other person\ndoes not have actual, implied, or apparent authority for such use, and you received no benefit from the use. You promise to pay\nus either by direct payment or by automatic transfers from shares.\n4.\nCREDIT LINE. This Agreement will constitute a revolving line of credit for an amount which will be the credit line under\nyour Account. You may access your credit line through VISA Credit Card purchases, cash advances at participating merchants and\nloan checks. We will advise you of the amount of your credit line on your statement. That amount will be the maximum amount\nyou may have outstanding at any one time. You agree not to attempt to obtain more credit than the amount of your credit line.\nHowever, if you temporarily exceed your credit line, you agree to repay the excess immediately, even if we have not yet billed you\nand, if you have elected over-limit services, pay any over-limit fees. Obtaining such credit does not increase your credit line. We\nretain the right to increase or decrease your credit line at any time for any reason. Any increase or reduction on the limit of your\ncredit line will be shown on your monthly statement or by separate notice together with any changes in the applicable minimum\nmonthly payments. Your eligibility for this credit line is determined by our loan policy and may be terminated at our sole discretion,\nwithout demand or notice. You may close your credit line at any time by notifying us in writing and returning all Cards cut in half.\nIf you terminate this Agreement or if we terminate or suspend your credit privileges, the provisions of this Agreement and your\nliability hereunder shall otherwise remain in full force and effect until you have paid us all sums due us under this Agreement and\nreturned all Cards.\n5.\nMINIMUM MONTHLY PAYMENT. You agree that you will pay each month not less than the minimum monthly payment\non or before the scheduled monthly due date. Minimum monthly payments include all amounts past due, late charges, over limit\namount, and the minimum regular payment. The minimum regular payment will be 3 percent of your outstanding balance (\xe2\x80\x9cNew\nBalance\xe2\x80\x9d) or $25.00, whichever is greater. If your outstanding balance is $25.00 or less, you agree to pay the balance in full. You\nmay pay in full for all your purchases and cash advances each month, or you may repay in monthly installments. We can accept late\npayments or partial payments, or checks, drafts, and money orders marked \xe2\x80\x9cpayment in full,\xe2\x80\x9d without prejudice to our rights under\nthis Agreement, which are hereby explicitly reserved. Payments will be applied first to any previous balance, cash accrued Interest\nCharges, purchase accrued Interest Charges, other fees and charges, cash advances, purchases and any remaining amounts will be\napplied to any other amount for which you are obligated under this Agreement. All payments should be mailed to [Matanuska\n\n\x0cValley Federal Credit Union, 1020 S. Bailey Street, Palmer, AK 99645]. Payments may also be made in person at any of\nour branch offices. Payments that are mailed and received at or before 5:00 PM Pacific Time on any business day will be credited\nto your account as of the date received; payments that are mailed and received after 5:00 PM Pacific Time on any business day, on\na weekend or federal holiday will be posted to your Account as of the next business day. Payments received at any of our branch\noffices at or before 5:00 PM Pacific Time on any business day will be credited to your account as of that date; payments received\nat any of our branch offices after 5:00 PM Pacific Time, on a weekend or federal holiday will be posted to your Account as of the\nnext business day. Payment crediting to your Account may be delayed up to five days if your payment is received by mail at any\nother address or not accompanied by the remittance portion of your account statement. The minimum monthly payment may be\nallocated at our discretion to pay off lower rate balances, such as promotional offers, before higher rate balances, such as cash\nadvances or purchases, as applicable, provided that payments in excess of the minimum monthly payment will be allocated first to\nhigher rate balances.\n6.\nSECURITY INTEREST. You grant the Credit Union a security interest under the Alaska Uniform Commercial Code\nin any goods purchased through your VISA Credit Card Account. You agree that all collateral you have given the Credit Union to\nsecure other open-end consumer loan obligations (except dwelling secured loans), in the past and in the future, will secure your\nobligations under this Agreement. In addition, by signing the Card Application, you have given us a security interest in all your\nshares and deposits, present and future, and all accounts (except Individual Retirement Accounts) with the Credit Union you agree,\nupon default, the Credit Union may apply all that is secured to pay any amounts due under this Agreement, without further notice\nto you.\n7.\nMONTHLY STATEMENTS. Each month you will receive a statement showing purchases, cash advances, payments, and\ncredits made to your Account during the billing cycle, as well as your \xe2\x80\x9cNew Balance,\xe2\x80\x9d any Interest Charge and any late charge or\nother charges. Your statement also will identify the Minimum monthly payment you must make for that billing period and the date\nit is due. You agree to retain for statement verification copies of transaction slips resulting from each purchase, each advance, and\nother transaction on your Account. Unless you notify us of a billing error as described below, you accept your monthly statement\nas an accurate statement of your Account with us.\n8.\nCIRCUMSTANCES UNDER WHICH AN INTEREST CHARGE WILL BE IMPOSED. The total outstanding balance\nof purchases, cash advances and fees in the Account on the closing date of a billing cycle, including any Interest Charge will be\nshown on the Periodic Statement for that billing cycle as the \xe2\x80\x9cNew Balance.\xe2\x80\x9d\na. Cash Advances. An Interest Charge will be imposed on cash advances from the date each cash advance is made to the\ndate paid. There is no time period within which to pay to avoid a periodic Interest Charge on cash advances, including ATM\nwithdrawals, balance transfers, and convenience check cash advances.\nb. Purchases. An Interest Charge will be imposed on VISA Credit Card purchases included in the new balance when the entire\nnew balance is not paid in full on or before the 15th of the month following the statement. This \xe2\x80\x9cgrace period\xe2\x80\x9d allows you to\navoid an Interest Charge on purchases for a billing cycle. If you do not pay within the grace period, your Interest Charge will\nbe applied on the 15th of the month following the statement.\n9.\n\nPAYING INTEREST. Cash Advances and Balance Transfers will accrue interest beginning on the transaction date.\n\n10.\nMETHOD USED TO DETERMINE THE BALANCE ON WHICH THE INTEREST CHARGE MAY BE COMPUTED\nAND AMOUNT OF INTEREST CHARGE. The Credit Union figures the Periodic Interest Charge on your Account by applying\nthe Periodic Rate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of purchases and previous unpaid cash advances for your Account separately. To\nget the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d we take the beginning purchase and cash advance balances of your Account each day, add any new\npurchases and subtract any payments or credits, unpaid Interest Charges and unpaid late charges and fees. This gives us the daily\nbalance. Then we add all the daily balances for the billing cycle and divide by the number of days in the billing cycle. This gives\nus the Average Daily balance for both purchases and cash advances. The Interest Charge imposed during the billing cycle will be\ndetermined by multiplying the Average Daily Balance by the Periodic Rate by the number of days in the billing cycle. Cash advances\nmade in the billing period will not be assessed the daily Interest Charge until after the 15th of the month. Also, no Interest Charge\nis imposed on purchases if payments and credits are made sufficient to pay the \xe2\x80\x9cNew Balance\xe2\x80\x9d shown on your periodic statement\non or before the 15th day of the month following the statement. The \xe2\x80\x9cTotal Interest Charge\xe2\x80\x9d shown on your monthly statement\nconsists of the periodic Interest Charge on purchases and the periodic Interest Charge on cash advances.\n11.\nPERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE. The Periodic Rate and Annual Percentage\nRate are variable based on a margin and an index, which is the highest Prime Rate published in the Western Edition of the Wall\nStreet Journal. We add a margin to the index to obtain the Annual Percentage Rate. The margin we add may range from 4% to\n7% based upon your credit qualifications. The index is determined on the first day of December. The Annual Percentage Rate may\nchange on the 16th day of January and any increase or decrease will affect the amount of the payment you will make. The Annual\nPercentage Rate will never be more than 18%. The Annual Percentage Rate and Periodic Rate applicable to your account will be\nbased upon your credit qualifications and margin assigned to you and will be disclosed on a separate disclosure accompanying your\nCard or this Agreement and shown on each monthly statement.\n12.\nCONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED. We may impose fees and charges on\nyour Account as described below and in the amounts as set forth on the account disclosure that was provided\nwhen you opened your Account:\na. Late Fee. If we do not receive your minimum payment within 6 days of the due date, we may impose a Late Fee. The Late\nFee cannot exceed the minimum payment due.\nb. Cash Advance Fee. We charge a cash advance fee for each cash advance.\n\n\x0cc. Over-Limit Charges. We currently do not impose a fee for this charge.\nd. Returned Item Charge. If any check or draft we receive from you as payment for any amount you owed to us is returned\nto us unpaid, we may impose a returned item fee.\ne. Card Replacement Fee. We may impose a card replacement fee for each VISA card which is lost, stolen, or damaged.\nf. Additional Card Fee. We will issue up to two (2) cards for your account free of charge at the time your account is opened.\nWe may impose an additional card fee for each VISA credit card in addition to your free card(s) and/or for a card that is issued\nto an authorized user at the time other than when the account is opened.\ng. Annual Card Fee. The annual fee for a VISA credit card will be set forth on the Rate and Fee disclosure accompanying this\nAgreement.\nh. Miscellaneous Photocopying. If you request a copy of a sales draft or other document, we may charge your Account a per\ncopy charge and a per hour charge. These charges cover the costs of locating, copying, and delivering the documents to you.\nIf a request is related to a billing error and an error is found, we will reverse any photocopying charges.\ni. ATM Fees. If you use an ATM to obtain a cash advance and the ATM is not operated by us, you may be charged an ATM\nsurcharge by the ATM operator or an ATM network utilized for such a transaction. The ATM surcharge may be charged to\nyour account if you complete the transaction.\nj. Attorney\xe2\x80\x99s Fees and Costs. If you default on any part of this Agreement, you agree to pay us all costs to collect your\nAccount, including court costs and reasonable attorney fees and collection agency costs whether or not there is a lawsuit, and\nfees on any appeal and fees for bankruptcy proceedings, appeals, and any post judgment collection services, if applicable.\n13.\n\nCONDITIONS OF CARD USE. The use of your Card and Account are subject to the following conditions:\na. Ownership of Cards. Any Card or other credit instrument or device which we supply to you is our property and must\nbe returned to us, or to any person whom we authorize to act as our agent, or to any person who is authorized to honor the\nCard, immediately according to instructions. The Card may be repossessed at any time at our sole discretion without demand\nor notice. You cannot transfer your Card or Account to another person. You may not use the Card for any illegal or unlawful\ntransactions and we may decline to authorize any transaction that we believe poses an undue risk of illegality or unlawfulness.\nb. Honoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal\nto honor the Card or any other credit instrument or device we supply to you. If a merchant agrees to give you a refund or\nadjustment, you agree to accept a credit to your Account in lieu of a cash refund.\nc. Currency Conversion/Foreign Transaction Fee. Purchases and cash advances made in foreign countries will be billed to\nyou in U.S. dollars. The currency conversion rate for international transactions as established by VISA International, Inc. is\na rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing\ndate, which rate may vary from the rate VISA itself receives, or the government-mandated rate in effect for the applicable\ncentral processing date. In addition, you will be charged a Foreign Transaction Fee of 2% of the transaction amount for any\ncard transaction made in a foreign country.\nd. Notices and Payments. All notices will be sent to your address as shown on your credit union account. You agree to advise\nus promptly if you change your mailing address. All payments should be mailed to us at the remittance address shown on your\nmonthly statements. Payments received at that address will be credited to your Account as of the date received.\ne. Personal Identification Number. We will issue you a Personal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) for use with your Card\nat automatic teller machines (\xe2\x80\x9cATMs\xe2\x80\x9d). These numbers are issued to you for your security purposes. These numbers are\nconfidential and should not be disclosed to third parties. You are responsible for safekeeping your PIN. You agree not to disclose\nor otherwise make available your PIN to anyone not authorized to sign on your Account. To keep your Account secure, please\ndo not write your PIN on your Card or keep it in the same place as your Card.\n\n14.\nDEFAULT. You will be in default under this Agreement if any of the following occur: (a) Any minimum monthly payment\nis not made when due; (b) You become insolvent, bankrupt, or you die; (c) You violate any part of this Agreement, or any other\nagreement with us; or (d) if we reasonably deem ourselves insecure on your credit line. We will notify you in writing of any such\naction as soon as practical if it occurs. Upon default, we may declare the entire unpaid balance immediately due and payable, and\nyou agree to pay that amount plus any attorney\xe2\x80\x99s fees and costs including collection agency costs incurred by us. We can delay\nenforcing any right under this Agreement without losing that right or any other right. A negative credit report reflecting on your\ncredit record may be submitted to a credit-reporting agency if you fail to fulfill the terms of this Agreement.\n15.\nCREDIT INFORMATION/FINANCIAL STATEMENTS. You authorize us to release information to others (e.g., credit\nbureaus, merchants, and other financial institutions) regarding the status and history of your credit line. You agree to provide us, at\nany time we deem necessary, with a current financial statement and updated credit information upon request. We may investigate\nyour credit directly or through a credit-reporting agency.\n16.\nLOSS OR THEFT OF VISA CREDIT CARD. You agree to notify us immediately of the loss, or the theft, or the use\nwithout your permission, of any Card or other credit instrument or device which we supply to you. You may be liable for the\nunauthorized use which occurs after you notify: Matanuska Valley Federal Credit Union, 1020 South Bailey Street, Palmer, AK\n99645 or Telephone: (907) 745-4891 or (907) 694-4891 orally or in writing of loss, theft, or possible unauthorized use. If you\nnotify us of your lost or stolen Credit Card after discovery, you may not be liable for any losses related to credit transactions. This\nzero liability will apply provided you were not grossly negligent or fraudulent in handling your Card; otherwise your liability for\nunauthorized VISA Credit Card transactions shall not exceed $50.\n17.\nBILLING ERRORS NOTICE RIGHTS FOR VISA CREDIT CARD TRANSACTIONS. Keep this document for future\nuse. This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement. If you think there is an error on your statement, write to us at: [Matanuska\n\n\x0cValley Federal Credit Union, 1020 South Bailey Street, Palmer, AK 99645]. In your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe\nit is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think\nis wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do, we are not required to investigate any\npotential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter. When we receive your letter, we must do two things:\na.\nWithin 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we\nhave already corrected the error.\nb.\nWithin 90 days of receiving your letter, we must either correct the error or explain to you why we believe the\nbill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and\nfees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent\nif you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We\nmust tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the\namount you question even if your bill is correct.\nYour Rights IfYou Are DissatisfiedWithYour Credit Card Purchases . If you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the\nright not to pay the remaining amount due on the purchase. To use this right, all of the following must be true:\na.\nThe purchase must have been made in your home state or within 100 miles of your current mailing address, and\nthe purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on\nan advertisement we mailed to you, or if we own the company that sold you the goods or services.)\nb.\nYou must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with\na check that accesses your credit card account do not qualify.\nc.\nYou must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the above address.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we\nwill tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n18.\nAMENDMENTS. We reserve the right to change any terms or conditions of this Agreement at any time, to the extent\npermitted by applicable law. We will notify you of the changes to this Agreement as required by law.\n19.\nGOVERNING LAW. This Agreement will not take effect until it is approved by us. This Agreement shall be governed by\nthe laws of the State of Alaska.\n20.\nNOTICE AND AGREEMENT. You understand and agree to the terms and conditions in this VISA Credit Card Agreement.\nYou acknowledge that you have received a copy of the Agreement. This Agreement is a final expression of the agreement between\nyou and the Credit Union. This Agreement may not be contradicted by evidence of any oral agreement or alleged oral agreement\nand contains the terms applicable to the credit transaction.\n21.\nSEVERABILITY. In the event that any provision of this Agreement, or the application of any such provision to any person\nor set of circumstances, shall be determined to be invalid, unlawful, void or unenforceable to any extent, the remainder of this\nAgreement, and the application of such provision to persons or circumstances other than those as to which it is determined to be\ninvalid, unlawful, void or unenforceable, shall not be impaired or otherwise affected and shall continue to be valid and enforceable\nto the fullest extent permitted by law.\n\n\x0c'


b'HAPO COMMUNITY CREDIT UNION\nVISA CREDIT CARD ACCOUNT AGREEMENT\n1.\n\n2.\n\n3.\n\n4.\n\n5.\n\n6.\n\n7.\n\n8.\na.\n\nb.\n\nc.\nd.\n\ne.\n\nINTRODUCTION. This Agreement covers this VISA Credit Card account, issued by HAPO Community Credit Union (\xe2\x80\x9cLender\xe2\x80\x9d). In this Agreement\nthe words \xe2\x80\x9cyou,\xe2\x80\x9d \xe2\x80\x9cyour,\xe2\x80\x9d \xe2\x80\x9cyours,\xe2\x80\x9d \xe2\x80\x9capplicant,\xe2\x80\x9d and \xe2\x80\x9cborrowers\xe2\x80\x9d mean any person who signs the application for this Account, any joint obligor, guarantor,\nauthorized user, or the person whose name is embossed on the Card. The word \xe2\x80\x9cCard\xe2\x80\x9d means any one or more credit cards issued under the Credit\nUnion\xe2\x80\x99s VISA programs. If you sign an application for this Account or sign or use any Card or PIN, or allow others to use the Card or PIN, you\nand they will have accepted this Agreement just as if you and they signed it, and you and they, jointly and severally, will be bound by the\nfollowing terms and conditions which will govern this Account.\nYOU PROMISE TO PAY. You promise to pay us all such amounts, plus any FINANCE CHARGES, which arise from use of the Card or Account by\nyou or any other person, and to be jointly and severally liable with such a person, unless such other person does not have actual, implied, or apparent\nauthority for such use, and you received no benefit from the use.\nCREDIT LINE. This Agreement will constitute a revolving line of credit for an amount which will be the credit line under your Account. You may\naccess your credit line through Card purchase and/or cash transactions at participating merchants. We will advise you of the amount of your credit line.\nThat amount will be the maximum amount you may have outstanding at any one time. You agree not to attempt to obtain more credit than the amount of\nyour credit line. However, if you temporarily exceed your credit line, you agree to repay the excess immediately, even if we have not yet billed you.\nObtaining such credit does not increase your credit line. We retain the right to increase or decrease your credit line at any time for any reason. Any\nincrease or reduction on the limit of your credit line will be shown on your monthly statement or by separate notice. Your eligibility for this credit line is\ndetermined by our loan policy and may be terminated at our sole discretion, without demand or notice. You may close your credit line at any time by\nsending us a signed, written request. If you terminate this Agreement or if we terminate or suspend your credit privileges, the provisions of this\nAgreement and your liability hereunder shall otherwise remain in full force and effect until you have paid us all sums due us under this Agreement.\nACCOUNT ACCESS. Purchase Transactions and Cash Transactions. You must sign the Card to use it. Once you have signed the Card, you can use\nit to purchase goods or services, wherever the Card is honored, up to the full amount of your credit line. You may use your Account to get cash advances\nfrom us, other participating financial institutions, or automated teller machines (ATM). No purchase or cash transaction may exceed the available funds\nin your Account. The Credit Union reserves the right to refuse any transaction that would exceed your credit limit, and/or daily purchase or cash limit.\nPurchases are limited to 10 transactions a day. Cash transactions are limited to 3 transactions per day and cannot exceed $2,500 a day for Share Secured,\nor $5,000 a day for Platinum accounts. ATM transactions cannot exceed $505 per single transaction.\nMINIMUM MONTHLY PAYMENT. You agree that you will pay each month not less than the minimum monthly payment on or before the scheduled\nmonthly due date. You may pay in full for all your purchase and cash transactions each month, or you may repay in monthly installments. The minimum\npayment is calculated at 2% of your outstanding balance or $25.00, whichever is greater, plus any amounts past due and/or overlimit. If your outstanding\nbalance is less than $25, you agree to pay the balance in full. We can accept late payments or partial payments, or checks, drafts, and money orders\nmarked \xe2\x80\x9cpayment in full,\xe2\x80\x9d without prejudice to our rights under this Agreement, which are hereby explicitly reserved. Your minimum payment due will\nbe applied first to any outstanding FINANCE CHARGES and fees, then to lower rate balances, with any excess being applied to the balance with the\nhighest APR.\nMONTHLY STATEMENTS. Each month we will provide you a statement showing purchase transactions, cash transactions, payments, and credits\nmade to your Account during the billing cycle, as well as your New Balance, any FINANCE CHARGE and any late charge or other charges. Your\nstatement also will identify the minimum monthly payment you must make for that billing period and the date it is due. You agree to retain for statement\nverification, copies of transaction slips resulting from each purchase, each advance, and other transaction on your Account. Unless you notify us of a\nbilling error as described below, you accept your monthly statement as an accurate statement of your Account with us.\nSECURITY INTEREST. You grant the Credit Union a security interest under the Washington Uniform Commercial Code in any goods purchased with\nyour Card. You agree that all collateral you have given the Credit Union to secure other consumer loan obligations (except real estate), in the past and in\nthe future, will secure your obligations under this Agreement. In addition, by signing the credit card Application, you have given us a security interest in\nall your shares and deposits, present and future, and all accounts (except Individual Retirement Accounts) with the Credit Union. For Secured Card\naccounts, you have given us a specific pledge of your Credit Union shares up to 110% of the credit limit and we may prevent your withdrawal of the\npledged shares. You agree, upon default, the Credit Union may apply all that is secured to pay any amounts due under this Agreement, without further\nnotice to you.\nSec. __Military Lending Disclosures. The following disclosures are provided and apply to the borrower who is a Covered Member as\ndescribed below.\nBorrower Certification of Active Duty. By requesting a Credit Card each borrower certifies to the Credit Union that borrower: (i) is a\nCovered member as a member of the Armed Forces who is currently serving on active duty (under a call or order not less than 30 days)\nActive Guard or Reserve duty; and (ii) borrower is the Covered Member or is a dependent of the Covered Member. Borrower(s)\nauthorize the Credit Union to verify their status as a Covered Member or dependent by obtaining information from the database of the\nDepartment of Defense or from a consumer report obtained from a consumer reporting agency.\nMilitary Annual Percentage Rate. Federal law provides important protections to members of the Armed Forces and their dependents\nrelating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her\ndependent may not exceed an annual percentage rate of 36%. This rate must include, as applicable to the credit transaction or account:\nthe costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any\napplication fee charged (other than certain application fees for a credit card account); and any participation fee charged (other than\ncertain participation fees for a credit card account).\nPayment Obligation. Your payment obligation under your Credit Card Account is set forth in Sec. 2 and 5 above in the Credit Card\nAgreement.\nSecurity Interest.\nThe Credit Union\xe2\x80\x99s security interest in all your Credit Union shares or deposits pursuant to the Credit Card\nAgreement will not apply your Credit Card Account. A security interest in shares or deposits granted in connection with any other credit\ncard account, loan or line of credit does not secure the Credit Card Account identified above, in spite of any provision that collateral\nsecuring one loan secures all of your other Credit Union obligations. However, if you establish a deposit or share account specifically in\nconnection with your Credit Card Account, funds deposited in that account after you establish the Credit Card Account are subject to our\nsecurity interest as set forth above in the Credit Card Agreement.\nCredit Union Toll-Free Telephone Number -509-943-5676. Call this number for verbal information about the Military Annual\nPercentage Rate and your payment obligation.\n\nVISA Credit Card Account Agreement\n\nPage 1 of 4\n\n\x0c9.\n\nPERIODIC RATE AND CORRESPONDING ANNUAL PERCENTAGE RATE. The FINANCE CHARGE imposed during the billing cycle will\nbe determined by multiplying the Average Daily Balance by the Monthly Periodic Rate. The ANNUAL PERCENTAGE RATE (APR) is divided by 12\nto produce the monthly rate. Your APR may vary with changes to an index which is the Prime Rate as published in The Wall Street Journal five business\ndays before the closing date shown on your billing statement. If The Wall Street Journal stops publishing the Prime Rate, we will select a similar\nreference rate and inform you on your billing statement or through a separate notice. The rate table shows which rates, if any, are variable rates. The rate\ntable lists the margin for each variable rate and any minimum periodic rate and corresponding APR.\nWhen you have an APR that varies with changes to the Prime Rate, we calculate your APR by adding a percentage (a \xe2\x80\x9cmargin\xe2\x80\x9d) to the Prime Rate. The\nmargin will be updated semi-annually based on your FICO credit score. FICO scores will be obtained in January (for April interest rate updates), and July\n(for October rate updates) by Trans Union 2 Baldwin Place P.O. Box 1000 Chester, PA 19016. If we are unable to obtain a credit score for your account,\nthe rate will reflect that of a zero score. If this calculation results in a change to your APR because the Prime Rate or your credit score has changed, the\nnew rate will apply as of the first day of your billing cycle in which the update occurs. All accounts have a ceiling limit of 18.00% APR, and will not\nexceed that amount at any given time.\nCredit\nAccount Type\nScore\nAnnual Percentage Rate\nNotice Required\nRange\n750-999\n8.25\n(Prime* + 5.00%)\n700-749\n\n11.00\n\n(Prime* + 7.75%)\n\nLow Rate\n\n650-699\n\n14.50\n\n(Prime* + 11.25%)\n\n\xef\x83\xbc \xef\x80\xa0\n\nPlatinum\n\n600-649\n\n17.00\n\n(Prime* + 13.75%)\n\n\xef\x83\xbc \xef\x80\xa0\n\n000-599\n\n18.00\n\n(Prime* + 14.75%)\n\n750-999\n\n11.25\n\n(Prime* + 8.00%)\n\n700-749\n\n14.00\n17.50\n\n(Prime* + 10.75%)\n(Prime* + 14.25)\n\n\xef\x83\xbc \xef\x80\xa0\n\n\xef\x83\xbc \xef\x80\xa0\n\nPlatinum with\n\n650-699\n\nCash Back\n\n600-649\n\n20.00\n\n(Prime* + 16.75%)\n\n\xef\x83\xbc \xef\x80\xa0\n\n000-599\n\n20.00\n\n(Prime* + 16.75%)\n\n\xef\x83\xbc \xef\x80\xa0\n\n750-999\n\n10.50\n\n(Prime* + 7.25%)\n\nSignature\n\n700-749\n\n13.25\n\n(Prime* + 10.00%)\n\nVISA\n\n650-699\n\n16.75\n\n(Prime* + 13.50%)\n\n600-649\n\n18.00\n\n(Prime*+14.75%)\n\n\xef\x83\xbc \xef\x80\xa0\n\n000-599\n\n18.00\n\n(Prime* + 14.75%)\n\n\xef\x83\xbc \xef\x80\xa0\n\n\xef\x83\xbc \xef\x80\xa0\n\nShare\nN/A\n18.00%\n18.00%\n\xef\x83\xbc \xef\x80\xa0\nSecured\nN/A\n12.9%\n12.9%\n\xef\x80\xa0\nYouth VISA\n*Estimated variable APRs above are based on the 3.25% WSJ Prime Rate as of March 15, 2020\n**Maximum rate 18.00%\nIn the event you are in default of this Agreement, your ANNUAL PERCENTAGE RATE will be 18.00% (1.500000% Periodic Rate). The ANNUAL\nPERCENTAGE RATE will be increased on the first day of the second month following notice of default.\n10. FINANCE CHARGE CALCULATION: AVERAGE DAILY BALANCE METHOD. We calculate the Periodic FINANCE CHARGE on your\nAccount by applying the Periodic Rate to the \xe2\x80\x9cAverage Daily Balance\xe2\x80\x9d of purchase and cash activity for your Account. To get the \xe2\x80\x9cAverage Daily\nBalance\xe2\x80\x9d we take the beginning purchase and cash balance of your Account each day, add any new purchase and cash transactions, and subtract any\npayments or credits, unpaid FINANCE CHARGES and unpaid late charges. This gives us the daily balance. Then we add up all the daily balances for\nthe billing cycle and divide by the number of days in the billing cycle. This gives us the Average Daily balance for both purchase and cash transactions.\n11. CIRCUMSTANCES UNDER WHICH A FINANCE CHARGE WILL BE IMPOSED.\na. Cash Transactions. A FINANCE CHARGE will be imposed on cash transactions from the date each cash transaction is made to the date paid.\nThere is no time period within which to pay to avoid a periodic FINANCE CHARGE on cash advances, and balance transfers.\nb. Purchases. You have a 25-day grace period in which to repay your balance for purchase transactions before a FINANCE CHARGE will be\nimposed. A FINANCE CHARGE will be imposed on any balance remaining from purchase transactions not paid within the \xe2\x80\x9cgrace period\xe2\x80\x9d.\nThe total outstanding balance of purchases and cash transactions in the Account on the closing date of a billing cycle, including any FINANCE\nCHARGE will be shown on the Periodic Statement for that billing cycle as the \xe2\x80\x9cNew Balance.\xe2\x80\x9d\n12. CONDITIONS UNDER WHICH OTHER CHARGES MAY BE IMPOSED. We may impose the following fees and charges on your Account:\na. Late Charges. $25.00 fee may be assessed for payments made later than the due date.\nb. Returned Payment Charge. If any payment we receive from you is returned to us unpaid, we may impose a returned item fee of $20.00.\nc. Miscellaneous Photocopying. If you request a copy of a sales draft or monthly statement, we may charge your Account $2.00 per copy and $20.00\nper hour. These charges cover the costs of locating, copying, and delivering the documents to you. If a request is related to a billing error and an\nerror is found, we will reverse any photocopying charges.\nd. ATM Fees. If you use an ATM to obtain a cash advance and the ATM is not operated by us, you may be charged an ATM surcharge by the ATM\noperator or an ATM network utilized for such a transaction. The ATM surcharge may be charged to your Account if you complete the transaction.\ne. Attorney\xe2\x80\x99s Fees and Costs. If you default on any part of this Agreement, you agree to pay us all costs to collect your Account, including: court\ncosts, reasonable attorney fees, collection agency costs whether or not there is a lawsuit, incurred both before and after judgment; such collection\nagency cost may be based on a percentage, not to exceed 30%, of the principal owed at the time of default; fees for bankruptcy proceedings, appeals,\nand any post judgment collection services. The Credit Union may commence an action to enforce this Agreement in the county in which the Credit\nUnion is located, or where you reside, if you live outside the state of Washington.\n\nVISA Credit Card Account Agreement\n\nPage 2 of 4\n\n\x0cf.\n13.\n\n14.\n\n15.\n\n16.\n\n17.\n\n18.\n19.\n20.\n\nReplacement Charges. If a card is lost or damaged there will be a $5.00 replacement fee and $25.00 fee to rush standard processing of a card. A\nreplacement or rush fee will not be charged in the event the credit union is at fault.\nCONDITIONS OF CARD USE. The use of your Card and Account are subject to the following conditions:\na. Ownership of Cards. Any Card or other credit instrument or device which we supply to you is our property and must be returned to us, or to any\nperson whom we authorize to act as our agent, or to any person who is authorized to honor the Card, immediately according to instructions. The\nCard may be repossessed at any time at our sole discretion without demand or notice. You cannot transfer your Card or Account to another person.\nYou may not use the Card for any illegal or unlawful transactions and we may decline to authorize any transaction that we believe poses an undue\nrisk of illegality or unlawfulness.\nb. Honoring the Card. Neither we nor merchants authorized to honor the Card will be responsible for the failure or refusal to honor the Card or any\nother credit instrument or device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to accept a credit to your\nAccount in lieu of a cash refund.\nc. Currency Conversion. Purchase and cash advance transactions made in or with merchants located in foreign countries will be billed to you in U.S.\ndollars. The currency conversion rate for international transactions as established by VISA International, Inc. is a rate selected by VISA from the\nrange of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself\nreceives, or the government-mandated rate in effect for the applicable central processing date, in each instance, plus a Foreign Transaction Fee of\n1% of the amount for any card transaction made in or with merchants located in a foreign country.\nd. Notices and Payments. All notices will be sent to your address as shown in on your HAPO share account. You agree to advise us promptly if you\nchange your mailing address. We may, at our option, accept mailing address changes from the United States Postal Service, and update your VISA\naccount as well as your HAPO account based on these changes. All payments should be mailed to us at the remittance address shown on your\nmonthly statements. Payments received at that address will be credited to your Account as of the date received.\ne. Personal Identification Number. We will issue you a Personal Identification Number (\xe2\x80\x9cPIN\xe2\x80\x9d) for use with your Card at Automatic Teller\nMachines (\xe2\x80\x9cATMs\xe2\x80\x9d). These numbers are issued to you for your security purposes. These numbers are confidential and should not be disclosed to\nthird parties. You are responsible for safekeeping your PIN. You agree not to disclose or otherwise make available your PIN to anyone not\nauthorized to sign on your Accounts. To keep your Account secure, please do not write your PIN on your Card or keep it in the same place as your\nCard.\nDEFAULT. You will be in default under this Agreement if any of the following occur: (a) your account becomes more than two months past due; (b)\nyou become insolvent, bankrupt, or you die; (c) you violate any part of this Agreement, or any other agreement with us; or (d) if we reasonably deem\nourselves insecure on your credit line. Upon default, we may declare the entire unpaid balance immediately due and payable, and you agree to pay that\namount plus any attorney\xe2\x80\x99s fees and costs including collection agency costs incurred by us. We can delay enforcing any right under this Agreement\nwithout losing that right or any other right.\nCREDIT INFORMATION/FINANCIAL STATEMENTS. You authorize us to release information to others (e.g., credit bureaus, merchants, and\nother financial institutions) regarding the status and history of your credit line. You agree to provide us, at any time we deem necessary, with a current\nfinancial statement and updated credit information upon request. We may investigate your credit as needed through a credit reporting agency.\nLOSS OR THEFT OF VISA CREDIT CARD. You agree to notify us immediately of the loss, theft, or use without your permission, of any Card or\nother credit instrument or device which we supply to you. Call us at 800-449-7728, or write to: VISA Department, PO Box 31216, Tampa, FL 336313281.\nRewards Programs Cash Back Rewards (\xe2\x80\x98Rewards\xe2\x80\x99) accrue at a rate of 2.00% on net retail purchase transactions (qualifying purchases less credits,\nreturns, and adjustments) charged to the card. Balance Transfers, cash advances, other cash transactions, fees, interest, and unauthorized/fraudulent\ntransactions, and manufactured spending (i.e. gift cards) do not earn Rewards. Rewards accruals are calculated at the end of each billing cycle, and will\nappear on your account\xe2\x80\x99s monthly statement. Payouts are based on the billing cycle. Reward accruals are unlimited, must earn a minimum of $15.00 to\nqualify for payout. Rewards are paid annually in November, or as requested on demand for prior billing cycles. Payouts are paused during the month of\nOctober to prepare for the annual payouts. If your account is in arrears, closed, or used fraudulently to earn Rewards, all Rewards will be forfeited.\nRewards cannot be transferred or combined. Fraudulent use of the card or manufactured spending to earn/redeem points will result in an automatic card\nclosure without payout. HAPO shall determine which purchases qualify, program subject to change at any time.\nDouble Reward Points-New Signature Travel Visa 2.5 points per dollar applies to the first $12,000 in purchase transactions within 365 days of account\nopening. Points accrue at the standard rate of 1.25 per dollar 365 days after the account open date, OR after spending $12,000 in purchase transactions;\nwhichever is sooner. Points do not accrue on cash advance transactions or balance transfers. Points expire 5 years from the date of accrual. Points to\nCash Signature Travel Rewards cards are eligible to redeem points for Cash. Cash is redeemable in increments of $25.00. Just log in to HAPO Rewards.\nPoint per cash value is $0.01. Points are eligible for cash redemption a maximum of 4 times a year, not to exceed one redemption a month. Points must be\nredeemed prior to expiration; all points expire in December of the 5th year.\nAMENDMENTS. We have the right to change any terms and conditions of this Agreement, subject to applicable laws, at any time.\nGOVERNING LAW. This Agreement and your account will be governed by federal law, as well as the law of Washington State, and will apply no\nmatter where you live or use this account.\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE. This notice tells you about your rights and our responsibilities under\nthe Fair Credit Billing Act.\nWhat to do if you find a mistake on your statement. If you think there is an error on your statement, write us at: VISA Department, PO Box 31216,\nTampa, FL 33631-3281. In your letter, give us the following information:\n\xef\x83\x98 Account information: Your name and account number.\n\xef\x83\x98 Dollar amount: The dollar amount of the suspected error.\n\xef\x83\x98 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xef\x83\x98 Within 60 days after the error appeared on your statement.\n\xef\x83\x98 At least 3 business days before an automated payment is scheduled, if you 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 we are not required to investigate any potential errors and you may have to\npay the amount in question.\nWhat will happen after we receive your letter. When we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xef\x83\x98 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xef\x83\x98 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xef\x83\x98 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\nVISA Credit Card Account Agreement\n\nPage 3 of 4\n\n\x0c\xef\x83\x98\n\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xef\x83\x98 If we made a mistake: You will not have to pay the amount in question or any FINANCE CHARGE or other fees related to that amount.\n\xef\x83\x98 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable FINANCE CHARGES and fees.\nWe will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the\namount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported\nyou as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour rights if you are dissatisfied with your credit card purchases. If you are dissatisfied with the goods or services that you have purchased with your\ncredit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the\npurchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been\nmore than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company\nthat sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit\ncard account do not qualify.\n3. You must not yet have fully paid for the purchase.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At\nthat point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n\nJanuary 2021\n\nVISA Credit Card Account Agreement\n\nPage 4 of 4\n\n\x0c'