b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA PLATINUM/VISA CLASSIC\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Fibre Federal Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d refers to\neach applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, the Credit Union issues to You. "Account" means the line of credit established by\nthis Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. 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.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 3.00% of Your total New Balance, or $10.00, 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$10.00, 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.\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n14605268-MXC30-C-1-092017 (MXC302-E)\n\n\x0cIf 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.\n4. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases and balance transfers on\nthe date the transaction is posted to Your Account. We will begin charging You interest on cash advances on the date of\nthe transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later\n(transaction date). However, We will not charge You any interest on new purchases or balance transfers if Your Account\nhad a zero or credit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous\ncycle\'s billing statement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance\nof Your Account, You must pay the entire new balance on the billing statement by the Payment Due Date of that\nstatement.\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.\n5. 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.\n6. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\n7. 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.\n8. 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.\n9. 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\nPage 2 of 6\n14605268-MXC30-C-1-092017 (MXC302-E)\n\n\x0care suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n10. 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.\n11. 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 Fibre Federal Credit\nUnion, PO Box 1234, Longview, WA, 98632 or call Us at (360) 423-8750, Monday through Saturday during regular\nbusiness hours or (800) 472-3272, seven days a week 24 hours 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. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n12. 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\nor 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.\n13. 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 issued to the authorized user. If You cannot return the\nauthorized user\'s Card or access checks and if You request Your Account to be closed, We will close Your Account and\nYou may apply for a new Account. Alternatively, We may, at Our sole discretion, issue You a new Account number and a\nnew Card.\n14. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n15. 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.\n16. 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.\n17. 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\nPage 3 of 6\n14605268-MXC30-C-1-092017 (MXC302-E)\n\n\x0cpart 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.\n18. 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.\n19. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nWashington.\n20. 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.\n21. 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.\n22. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n23. OVERDRAFT PRIVILEGE \xe2\x80\x94 You agree that if, pursuant to any overdraft privilege on a Credit Union Share Draft\nAccount, there is an overdraft of Your Share Draft Account, the amount of overdraft will be added to the outstanding\nbalance on Your Visa Credit Card Account, subject to the finance charge provisions set forth in \xe2\x80\x9cINTEREST AND\nFINANCE CHARGES\xe2\x80\x9d as described for cash advances, and will be subject to all terms and conditions of this Agreement.\nThe Visa Credit Card Account must be current and not over the credit limit for funds to transfer to the Share Draft\nAccount. Overdrafts are not allowed for the purpose of making loan payments, including Visa Credit Card payments, at\nthe Credit Union, ATM or in-branch teller cash withdrawals. The Share Draft Account referred to herein is also subject to a\nseparate agreement between You and the Credit Union. Where the terms of any other agreement between You and the\nCredit Union conflict with the terms of this Agreement, the terms of this Agreement will control.\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.\n28. 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 Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative 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.\nPage 4 of 6\n14605268-MXC30-C-1-092017 (MXC302-E)\n\n\x0c33. 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.\n\nPage 5 of 6\n14605268-MXC30-C-1-092017 (MXC302-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\n14605268-MXC30-C-1-092017 (MXC302-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA PLATINUM/VISA CLASSIC\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum\n\n1.90% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be\n\n8.90%.\n\nVisa Classic\n\n10.50%\nAPR for Balance Transfers\n\nVisa Platinum\n1.90% Introductory APR for a period of six billing cycles.\nAfter that, your APR will be 8.90%.\nVisa Classic\n10.50%\n\nAPR for Cash Advances\n\nVisa Platinum\n10.50%\nVisa Classic\n10.50%\n\nHow to Avoid Paying Interest on\nPurchases\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\nFees\nTransaction Fees\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Returned Payment Fee\n\nYour due date is an average of 30 days after the close of each billing cycle.\nWe will not charge you any interest on purchases if you pay your entire\nbalance by the due date each month.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nUp to 1.00% of each transaction in U.S. dollars\nUp to $20.00\nUp to $15.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR - Visa Platinum:\nThe Introductory APR for purchases and balance transfers will apply to transactions posted to your account during the first\nsix months following the opening of your account. Any existing balances on Fibre Federal Credit Union loan or credit card\naccounts are not eligible for the Introductory APR for balance transfers.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: October 03, 2017\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n14605268-MXC10-P-1-092017 (MXC101-E)\n\n\x0cFor California Borrowers, the Visa Platinum and Visa Classic are secured credit cards. Credit extended under this\ncredit card account is secured by various personal property and money including, but not limited to: (a) any\ngoods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a\nseparate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union\nexcluding 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$20.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a\npayment.\nReturned Payment Fee:\n$15.00 or the amount of the required minimum payment, whichever is less.\nCard Replacement Fee:\n$10.00.\nDocument Copy Fee:\n$20.00.\nRush Fee:\n$50.00 second day. $80.00 overnight.\nUnreturned Card Fee:\n$2.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n14605268-MXC10-P-1-092017 (MXC101-E)\n\n\x0c'


b'4/18/2016\n\nSFEFCU \xc2\xad VISA Disclosure\n\nSkip to Main Content\n\nThe following disclosure represents important details concerning your credit card.\nThe information about costs of the Card is accurate as of 4/18/2016. You can\ncontact us to inquire if any changes occurred since the effective date.\n\nINTEREST RATES and INTEREST CHARGES:\nVISA PLATINUM, CLASSIC, AND SECURED\nAnnual Percentage Rate\n(APR) for Purchases,\nCash\nAdvances,\n& depending on your credit history. This APR will vary with the market based on the Prime\nBalance Transfers\nRate.\n\n9.75%, 10.75%, 13.75%, 15.75%, or 17.75%\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not charge\nyou interest on purchases if you pay your entire new purchase balance by the due date\neach month. We will begin charging interest on cash advances and balance transfers on\nthe date the cash advance or balance transfer is posted to your account.\n\nMinimum Interest Charge None\nFor Credit Card Tips\nTo learn more about factors to consider when applying for or using a credit card, visit the\nfrom\nthe\nFederal\nwebsite of the Federal Reserve Board at http://www.consumerfinance.gov/learnmore\nReserve Board\nFEES:\nFees to Open or Maintain your\nAccount:\n\xc2\xadAnnual Fee:\nNone\n\xc2\xadApplication Fee:\nNone\nTransaction Fees\n\xc2\xadBalance Transfer:\n\xc2\xadCash Advance:\n\xc2\xadForeign Transaction:\n\nPenalty Fees\n\xc2\xad Late Payment:\n\xc2\xad Over\xc2\xadthe\xc2\xadCredit Limit:\n\xc2\xad Returned Payment:\n\nNone\nNone\n1% of each transaction in U.S. dollars if the transaction involves a currency\nconversion\n0.8% of each transaction in U.S. dollars if the transaction does not involve a\ncurrency conversion\nUp to $25.00 if your payment is late\nNone\nUp to $20.00 if your payment is returned for any reason\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\n\nIn this Agreement, "You" and "your" mean any person who accepts this Agreement or uses the Card. The "Card" means\nany credit card issued to you or those designated by you under the terms of this Agreement. "We", "us", "our" and the\n"Credit Union" means South Florida Educational Federal Credit Union or its successors.\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND\nJOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT\nEXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS\nUNDER STATE AND/OR FEDERAL LAW. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE\nISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT,WE CAN APPLY YOUR SHARES TO\nTHE AMOUNT YOU OWE. Shares and deposits in an Individual Retirement Account or any other account that would\nlose special tax treatment under state or federal law if given are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans may also secure your obligations under this agreement.\n\nUsing Your Card.\nYou can purchase or lease goods and services from any merchant who honors your Card, and you may obtain cash\nadvances from financial institutions and ATM machines that accept the Card, up to your maximum credit limit. You agree\nnot to present your Card or obtain a cash advance for any extension of credit in excess of your available credit limit \xcd\xbe\nhowever, if you do exceed your credit limit, you agree to make immediate payment sufficient to bring the balance below\nthe credit limit. Certain purchases and cash advances require authorization prior to completion of the transaction. In\nsome cases, you may be asked to provide identification. If our system is not working, we may not be able to authorize a\ntransaction, even though you have sufficient credit available. Also, for security reasons, we may block the use of your\nCard at certain merchants and in certain countries or geographic areas. We will have no liability to you or others if any of\nthese events occur.\n\nPersonal Identification Number (PIN).\nWe may issue a Personal Identification Number (PIN) for use with your Card. This PIN is confidential and should not be\ndisclosed to anyone. You may use your PIN and your Card to access your account, and all sums advanced will be\n\nhttps://www.sfefcu.org/visadisclosure.html\n\n1/5\n\n\x0c4/18/2016\n\nSFEFCU \xc2\xad VISA Disclosure\nadded to your account balance. In the event a use of your PIN constitutes an Electronic Funds Transfer, the terms and\nconditions of your Electronic Funds Transfer Agreement may affect your rights.\n\nPromise To Pay.\nYou promise to pay us in U.S. dollars for (a) all purchases, cash advances, and balance transfers made by you or\nanyone whom you authorize to use the Card\xcd\xbe (b) all Interest Charges and all other charges or fees\xcd\xbe (c) collection costs\nand attorney\'s fees as permitted by applicable law, and any costs incurred in the recovery of the Card\xcd\xbe and (d) credit in\nexcess of your credit limit that we may extend to you.\n\nIllegal Transactions.\nYou agree that your Card and account will not be used to make or facilitate any illegal transactions as determined by\napplicable law\xcd\xbe and that any such use will constitute an event of default under this Agreement. We may decline any\ntransaction that we believe to be illegal under applicable law, including but not limited to any transaction involving or\nrelating to any gambling activity. You agree that we will have no liability or responsibility for any such use by you or any\nauthorized user(s)\xcd\xbe or for declining any such transaction. You further agree to indemnify and hold us harmless from any\nsuits, liability, damages or adverse action of any kind that results directly or indirectly from such illegal use. You promise\nto pay us any and all amounts owing on your Card for any transactions made by you, even if the transaction is\ndetermined to be illegal.\n\nJoint Accounts.\nEach of you will be responsible, jointly and severally, for the repayment of amounts owed, regardless of who initiated\nany transaction under the account.\n\nOthers Using Your Account.\nIf you allow anyone else to use your account, you will be liable for all credit extended to such persons. You promise to\npay for all purchases and advances made by anyone you authorize to use your account, whether or not you notify us\nthat he or she will be using it. If someone else is authorized to use your account and you want to end that person\'s\nprivilege, you must notify us in writing, and if he or she has a Card, you must return that Card with your written notice for\nit to be effective. Ownership of Card. Your Card remains our property and may be cancelled by us at any time without\nnotice. You agree to surrender your Card and to discontinue use of the account immediately upon our request.\n\nInterest Charges.\nAverage Daily Balance including new transactions: Interest Charges will accrue on your average daily balance\noutstanding during the month. To get the average daily balance, we take the beginning balance each day, add any new\npurchases, cash advances, balance transfers or other advances, and debit adjustments and subtract any unpaid late\ncharges. This gives us the daily balance. Then, we add up all the daily balances for the billing cycle and divide that by\nthe number of days in the billing 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 advances or balance transfers,\nseparate average daily balances for each will be calculated and the appropriate periodic rate is then applied to each.\nGrace Period on Purchases Only: You can avoid Interest Charges on purchases by paying the full amount of the new\nbalance for purchases each month by the date on which the payment is due. Otherwise, the new balance of your\naccount, and subsequent advances from the date they are posted to the account, will be subject to an Interest Charge.\nYou cannot avoid Interest Charges on cash advances\xcd\xbe even if you pay the entire cash advance balance by the payment\ndue date, you will incur the Interest Charges accrued from the date the cash advance is posted to your account.\n\nFees.\nIn addition to the Interest Charges set forth above, you agree to also pay any and all fees that you incur as disclosed to\nyou on your Truth\xc2\xadin\xc2\xadLending Statement or similar disclosures (as may be amended from time to time), or as disclosed to\nyou during the term of your Card.\n\nIf Your Card is Lost or Stolen or if an Unauthorized Use Occurs.\nYou agree to notify us immediately if your Card is ever lost or stolen or if an unauthorized use may have occurred.\n"Unauthorized use" means the use of the Card by someone other than you who does not have actual, implied or\napparent authority for such use, and from which you receive no benefit. The telephone number to call is (305) 270\xc2\xad5254.\nYou agree to follow up your call with notice in writing to us at: 7800 SW 117th Avenue, Miami, FL 33183. You also agree\nto assist us in determining the facts, circumstances and other pertinent information relating to any loss, theft or possible\nunauthorized use of your Card and comply with such procedures as we may require in connection with our investigation.\nYou will be liable for any unauthorized use only if we can prove that you were grossly negligent in your use or handling\nof your Card, or if we can prove that you used your Card fraudulently.\n\nMinimum Payment Due\xcd\xbe Crediting of Payments.\nPayments are due in the amount and on the date disclosed on your billing statement. If your payment is received by us\non a business day at the address and by the time designated on the billing statement, it will be credited to your account\non the date of receipt. If payment is made at any location other than the address designated on the periodic statement,\ncredit for such payment may be delayed up to five (5) days. Payments will be applied in any order we determine, subject\nto applicable law.\n\nAllocation of Payments: Each payment by you will be allocated first to pay the Interest Charge due on retail\npurchases, then to pay the Interest charges due on cash advances, then to pay the minimum principal payment due on\nretail purchases, then to pay the minimum principal payment due on cash advances. Any payment in excess of the\nminimum payment due will be applied to the highest\xc2\xadrate balance first. If all balances have the same rate, payments in\nexcess of the minimum payment will be allocated first to retail purchases, then to cash advances, unless you tell us\notherwise.\n\nDefault\xcd\xbe Acceleration\xcd\xbe Credit Suspension\xcd\xbe Collection Costs.\nYou will be in default if: (1) you fail to make any payment on time\xcd\xbe (2) if you fail to keep any promises you have made\nunder this Agreement or under other Agreements you have with us\xcd\xbe (3) if you die\xcd\xbe (4) if you file a petition in bankruptcy or\nhave a bankruptcy petition filed against you, or if you become involved in any insolvency, receivership or custodial\nproceeding\xcd\xbe (5) if anyone attempts to take any of your funds held by us via legal process or if you have a judgment or tax\nlien filed against you\xcd\xbe (6) if you make any false, inaccurate, or misleading statements in any credit application or credit\nupdate\xcd\xbe or (7) if we, in good faith, believe that your ability to repay what you owe is or soon will be impaired, or that you\nare unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment of your full account balance without giving you\nnotice. If immediate payment is demanded, you agree to continue paying interest charges and fees until what you owe\nhas been paid, and any shares that were given as security for your account may be applied towards what you owe. You\nagree to pay all reasonable costs of collection, including court costs and attorney\'s fees, and any costs incurred in the\nrecovery of the Card, subject to applicable law. Even if your unpaid balance is less than your credit limit, you will have\nno credit available during any time that any aspect of your account is in default.\n\nAdditional Benefits/Card Enhancements.\nWe may from time to time offer additional services to your Account at no additional cost to you. You understand that we\nare not obligated to offer such services and may withdraw or change them at any time.\n\nConvenience Checks.\nWe may, at our discretion, issue checks to you which may be used for any purpose other than making a payment for\n\nhttps://www.sfefcu.org/visadisclosure.html\n\n2/5\n\n\x0c4/18/2016\n\nSFEFCU \xc2\xad VISA Disclosure\ncredit to your account. By signing such check, you authorize us to pay the item for the amount indicated and post such\namount as a cash advance to your account. We do not have to pay any item which would cause the outstanding balance\nin your account to exceed your credit limit.\n\nCredit Information.\nWe may from time to time request personal information from you or obtain credit reports from the credit reporting\nagencies for the purpose of updating your credit status. Your failure to provide such information when requested by us\nmay result in suspension of credit privileges under this Agreement, including your ability to obtain any future advances\nby any means. You authorize us to investigate your credit standing when opening or reviewing your account. You\nauthorize us to disclose information regarding your account to credit bureau and creditors who inquire about your credit\nstanding.\n\nForeign Transactions\xcd\xbe Currency Conversion.\nPurchases and cash advances made 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 wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate the card company itself receives, or the\ngovernment\xc2\xadmandated rate in effect for the applicable central processing date in each instance.All transactions\nprocessed outside of the United States (which may include internet transactions) will be charged a foreign transaction\nfee in the amount disclosed on your Truth\xc2\xadin\xc2\xadLending Statement (as amended from time to time).\n\nTermination\xcd\xbe Change\xc2\xadin\xc2\xadTerms.\nWe may, by written notice, terminate this Agreement at any time, subject to applicable law. You may terminate this\nAgreement by written notice. Termination by either party shall not affect your obligation to repay any payments made for\nyour account resulting from use of the Card as well as Interest Charges and fees incurred. We may change the terms of\nthis Agreement, including the method of calculating the periodic rate, at any time, by written notice, subject to applicable\nlaw. Use of the Card constitutes agreement and acceptance of any change in terms, unless applicable law requires\notherwise. Our failure to exercise any of our rights or to take any action shall not constitute a waiver of those rights, or an\namendment or change in any of the terms of this Agreement.\n\nLate or Partial Payments.\nAny payment that delays the reduction of your balance will increase your total interest costs. Partial payments or\nprepayments will not delay your next scheduled payment \xc2\xad you will still need to make the minimum scheduled payment\nby the next scheduled due date to keep your account current. We may accept late payments, partial payments, checks or\nmoney orders marked "payment in full" and such action shall not constitute final settlement of your account or a waiver or\nforgiveness of any amounts owing under this Agreement.\n\nEnforcement.\nWe do not lose our rights under this or any related agreement if we delay enforcing them. If any provision of this or any\nrelated agreement is determined to be unenforceable or invalid, all other provisions remain in full force and effect.\n\nReturns and Adjustments.\nMerchants and others who honor the Card may give credit for returns or adjustments, and they will do so by submitting a\ncredit slip which will be posted to your account. If your credits and payments exceed what you owe us, the amount will\nbe applied against future purchases and cash advances. If the credit balance amount is $1 or more, it will be refunded\nupon your written or verbal request.\n\nPlan Merchant Disputes\nWe are not responsible for the refusal of any plan merchant or financial institution to honor your Card. Also, we are not\nresponsible for goods or services that you purchase with the Card unless: (a) your purchase was made in response to\nan advertisement we sent or participated in sending you\xcd\xbe or (b) your purchase cost more than $50 and was made from a\nplan merchant in your state or within 100 miles of your home\xcd\xbe and only if you have made a good faith attempt, but have\nbeen unable to obtain satisfaction from the plan merchant. You must resolve all other disputes directly with the plan\nmerchant. We do not warrant any merchandise or services purchased by you with the Card.\n\nStatements and Notices.\nStatements and notices will be mailed to you at the most recent postal address or e\xc2\xadmail address (if you have elected to\nreceive such documents via electronic means) you have given us. Notice sent to any one of you will be considered\nnotice to all.\n\nNotification of Address Change.\nYou will notify us promptly if you change your address for any reason. In order to prevent identity theft, your identity may\nneed to be verified before we act upon the notification.\n\nCopy Received.\nYou acknowledge that you have received a copy of this Agreement.\n\nGoverning Law.\nThis Agreement shall be construed under federal law and state law in the state in which we are primarily located, and\nthe venue shall be located in the county and state in which we are primarily located. Operating regulations of Visa may\nalso apply. This Agreement is the contract that applies to all transactions even though the sales, cash advance,\nconvenience check, credit or other slips you sign or receive may contain different terms.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\n\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(es) listed 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 wrong and why you believe it is a mistake.\nYou must contact us:\nWithin 60 days after the error appeared on your statement.\nAt least 3 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. 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.\n\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n\nhttps://www.sfefcu.org/visadisclosure.html\n\n3/5\n\n\x0c4/18/2016\n\nSFEFCU \xc2\xad VISA Disclosure\n1. Within 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.\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.\n\nWhile we investigate whether or not there has been an error:\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\nThe charge in question may remain on your statement, and we may continue to charge you interest on that\namount.\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\nWe can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\nIf 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\nthen report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you\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.\n\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. 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\nthe purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was\nbased on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with\na check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address(es)\nlisted 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.\nLast Updated: 09/2015\n\nhttps://www.sfefcu.org/visadisclosure.html\n\n4/5\n\n\x0c4/18/2016\n\nhttps://www.sfefcu.org/visadisclosure.html\n\nSFEFCU \xc2\xad VISA Disclosure\n\n5/5\n\n\x0c'


b'191 Ella Grasso Turnpike\nWindsor Locks, CT 06096\n(800) 544-4728 (860) 627-4200\nFax: (860) 627-4224 www.360fcu.org\nVISA\xc2\xae CREDIT CARD AGREEMENT\nIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and all of those who agree to be bound by this Agreement; \xe2\x80\x9cCard\xe2\x80\x9d means the VISA credit card and any duplicates, renewals,\nor substitutions the Credit Union issues to you; \xe2\x80\x9cAccount\xe2\x80\x9d means your VISA credit card line of credit account with the Credit Union, and \xe2\x80\x9cCredit Union\xe2\x80\x9d and \xe2\x80\x9cwe\xe2\x80\x9d means the Credit\nUnion whose name appears on this Agreement or anyone to whom the Credit Union transfers this Agreement. This Agreement becomes effective once you are approved for an\naccount. You agree to its terms by using your account.\n1. Using Your Account. If you are approved for an Account, the Credit Union will establish a line of credit for you and notify you of your credit limit. You agree that your credit\nlimit is the maximum amount (purchases, cash advances, finance charges, plus \xe2\x80\x9cother charges\xe2\x80\x9d) that you will have outstanding on your Account at any time. If you are over your\ncredit limit, you must pay the amount you are over before payments will begin to restore your credit limit. You may request an increase in your credit limit only by a method\nacceptable to the Credit Union. The Credit Union has the right to reduce your credit limit, refuse to make an advance and/or terminate your Account at any time for any reason not\nprohibited by law.\n2. Using Your Card. You may use your Card to make purchases from merchants and others who accept VISA Cards. However, you may not use your Card to initiate any type of\nelectronic gambling transaction through the Internet. In addition, you may obtain cash advances from the Credit Union and from other financial institutions that accept VISA Cards,\nand from some automated teller machines (ATMs). (Not all ATMs accept VISA Cards.) To obtain cash advances from an ATM, you must use the Personal Identification Number\n(PIN). You can activate your card and set your PIN by calling the telephone number on the sticker on the front of your card. You agree that you will not use your Card for any\ntransaction that is illegal under applicable federal, state or local law.\n3. Responsibility. You agree to pay all charges (purchases and cash advances) to your Account that are made by you or anyone whom you authorize to use your Account. You also\nagree to pay all finance charges and other charges added to your Account under the terms of this Agreement or another agreement you made with the Credit Union. If this is a joint\nAccount, Section 17 below also applies to your Account.\n4. Finance Charges. New purchases posted to your account during a billing cycle will not incur a finance charge for that billing cycle if you had a zero or credit balance at the\nbeginning of that billing cycle or you paid the entire New Balance on the previous cycle\xe2\x80\x99s billing statement by the Payment Due Date of that statement; otherwise a finance charge\nwill accrue from the date a purchase is posted to your account. To avoid any additional finance charges on the balance of purchases, you must pay the entire New Balance on the\nbilling statement by the Payment Due Date of that statement, unless there was also cash advance transaction (which includes balance transfers and convenience check transactions)\nwithin the same statement cycle, in which case the grace period ends. Finance charges begin to accrue on cash advances from the date you get the cash advance, there is no grace\nperiod. Finance charges will also begin to accrue immediately on all balances including purchases when a cash advance transaction (including balance transfers and convenience\ncheck transactions) is performed during the statement cycle.\n\n\x0ca.\n\nAll VISA Credit Card Accounts as of December 1, 2009 have variable interest rates. The Annual Percentage Rate or APR, which is a variable rate will be effective and\nchanged semi-annually on the 1st of November and the 1st of May and is determined by adding the margin assigned to your account to the Index. The Index is the\nPrime Rate (currently at 3.50%) as published in the Wall Street Journal on the first business day of the calendar month immediately preceding the change date as\npreviously described. For example, the index rate published on the first business day of October plus the margin assigned to your Account will determine the ANNUAL\nPERCENTAGE RATE or APR that will apply during the billing cycles that begin in November and continue until the next semi-annual change. The index published\non the first business day of April plus the margin assigned to your Account will determine the ANNUAL PERCENTAGE RATE or APR that will apply during the\nbilling cycles that begin in May and will continue until the next semi-annual change.\n1. VISA Credit Card Accounts opened prior to June 15, 2016; before you became obligated the Credit Union disclosed to you whether your Account was\nClassic or Platinum, the margin that is assigned to your account, along with the current variable ANNUAL PERCENTAGE RATE or APR and corresponding\nMonthly Periodic Rate. The margin assigned to your Account is 9% for Platinum cards and 10% for Classic cards. The floor on the APR will be equal to the\nmargin for each type of card, in other words the APR on the Platinum card can never be lower than 9% and can never be lower than 10% for the Classic card.\nIn no event will the ANNUAL PERCENTAGE RATE applicable to your Account exceed 18%. The ANNUAL PRECENTAGE RATE or APR is the same\nfor Cash Advance and Balance Transfers.\n2. VISA Secured Classic Credit Card Accounts opened on or after June 15, 2016; before you became obligated the Credit Union disclosed to you the margin\nthat is assigned to your account, along with the current variable ANNUAL PERCENTAGE RATE or APR and corresponding Monthly Periodic Rate. The\nmargin assigned to your Account is 10%. The floor limit on the APR can never be lower than 10%. In no event will the ANNUAL PERCENTAGE RATE\napplicable to your Account exceed 18%. The ANNUAL PRECENTAGE RATE or APR is the same for Cash Advance and Balance Transfers.\n3. VISA Platinum Credit Card Accounts opened on or after June 15, 2016; your ANNUAL PERCENTAGE RATE or APR will be based upon your credit\nhistory and credit score, and determined by adding the margin of 6.45%, 8.45%, 10.45%, 12.45%, or 14.45% to the Prime Rate. The floor on the APR will be\nequal to the margin. In no event will the ANNUAL PERCENTAGE RATE applicable to your Account exceed 18%. The ANNUAL PRECENTAGE RATE\nor APR is the same for Cash Advance and Balance Transfers.\n\nThe finance charge is calculated separately for purchases and cash advances. For purchases, the finance charge is computed by applying the monthly periodic rate to the average\ndaily balance of purchases. To get the average daily balance of purchases, we take the beginning outstanding balance of purchases each day, add any new purchases, and subtract\nany payments and/or credits. This gives us the daily balance of purchases. Then, we add all the daily balances of purchases for the billing cycle together and divide the total by the\nnumber of days in the billing cycle. This gives us the average daily balance of purchases.\nFor cash advances, the finance charge is computed by applying the monthly periodic rate to the average daily balance of cash advances. To get the average daily balance of cash\nadvances, we take the beginning outstanding balance of cash advances each day, add in any new cash advances, and subtract any payments and/or credits that we apply to the cash\nadvance balance. This gives us the daily balance of cash advances. Then, we add all the daily balances of cash advances for the billing cycle together and divide the total by the\nnumber of days in the billing cycle. This gives us the average daily balance of cash advances.\nThe monthly periodic rates and ANNUAL PERCENTAGE RATES will be disclosed on the Visa Credit Card Rate & Fee Disclosure on our Visa application. This Disclosure is\navailable in paper form at any branch or via e-mail, or in electronic form at www.360fcu.org.\n5. Other Charges. The following other charges (fees) will be added to your Account see the Visa Credit Card Rate & Fee Disclosure, as applicable:\na. Over the Credit Limit Fee: You may be charged a fee on a statement date if your New Balance on that date, less any fees imposed during the cycle, is over your credit\nlimit. You may be charged the fee each subsequent month until your New Balance on the statement date, less any fees imposed during the cycle, is below your credit limit\nbut will not exceed two additional consecutive billing cycles for a total of three billing cycle unless another transaction is made which is over the limit. You will only be\ncharged this fee if you have signed up for the Credit Limit Protection program and have given us permission to bring your account over the limit.\nb. Late Payment Fee: A late charge will be added to your account if you are late in making a payment.\nc. Returned Payment Fee: If a check, share draft or other form of payment such as ACH or electronic transfer, used to make a payment on your account is returned unpaid,\nyou will be charged a fee for each item returned.\nd. Transaction Fee for Cash Advance: You may be charged a fee for each cash advance transaction during the statement cycle.\ne. Card Replacement Fee: You will be charged for each replacement card that is issued to you for any reason.\nf. Document Copy Fee: You will be charged for each copy of a sales draft (transactions receipts) or statement that you request (except when the request is made in connection\nwith a billing error made by the Credit Union).\n\n\x0cg. Collection Costs: You agree to pay all costs of collecting the amount you owe under this Agreement, including reasonable attorney fees not in excess of 15% of any\njudgment and all court cost.\nh. RUSH Fee: Overnight card order\n6. Payments. Each month you must pay at least the minimum payment shown on your statement by the date specified on the statement or no later than twenty-five (25) days from\nthe statement closing date, whichever is later. If your statement says the payment is \xe2\x80\x9cNow Due,\xe2\x80\x9d your payment is due no later than twenty-five (25) days from the statement closing\ndate. You may pay more frequently, pay more than the minimum payment or pay the Total New Balance in full. If you make extra or larger payments, you are still required to make\nat least the minimum payment each month your Account has a balance (other than a credit balance). The minimum payment is 2% of your Total New Balance, or $15.00, whichever\nis greater, plus the amount of any prior minimum payments that you have not made, and any amount you are over your credit limit. The Credit Union also has the right to demand\nimmediate payment of any amount by which you are over your credit limit. All payments must be made in U.S. currency.\n7. Payment Allocation. Subject to applicable law, your payments may be applied to what you owe the Credit Union in any manner the Credit Union chooses.\n8. Security Interest. To secure your VISA card account, you grant the Credit Union a purchase money security agreement interest under the Uniform Commercial Code in any\ngoods you purchase through the account. If you default, we will have the right to recover any of these goods which have not been paid for. If you give the Credit Union a specific\npledge of shares by signing a separate pledge of shares, your pledged shares will secure your Account. You may not withdraw amounts that have been specifically pledged to secure\nyour Account until the Credit Union agrees to release all or part of the pledged amount. In addition, your Account is secured by all other shares you have in any individual or joint\naccount with the Credit Union, except for shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law if given\nas security. These other shares may be withdrawn unless you are in default under this agreement. You authorize the Credit Union to apply the balance in your individual or joint\nshare accounts to pay any amounts due on your Account if you should default. Collateral securing other loans you have with the Credit Union now or in the future may also secure\nthis loan, except that a dwelling will never be considered as security for this Account, notwithstanding anything to the contrary in any other agreement.\n9. Default. You will be in default if you fail to make any minimum payment or other required payment by the date that it is due. You will be in default if you break any promise you\nmake under this Agreement. You will be in default if you die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they become due. You will be in\ndefault if you make any false or misleading statements in any credit application or credit update. You will also be in default if something happens that the Credit Union believes may\nsubstantially reduce your ability to repay what you owe. When you are in default, the Credit Union has the right to demand immediate payment of your full Account balance without\ngiving you notice. If immediate payment is demanded, you agree to continue paying finance charges, at the periodic rate charged before default, until what you owe has been paid,\nand any shares that were given as security for your Account may be applied towards what you owe.\n10. Liability for Unauthorized Use-Lost/Stolen Card Notification. You agree to notify us immediately, orally or in writing to Card Services, P.O. Box 3112, Tampa, FL 336313112 or telephone (800) 449-7728 twenty-four (24) hours a day, seven (7) days a week, of the loss, theft, or unauthorized use of your Credit Card. You may be liable for the\nunauthorized use of your Credit Card. You will not be liable for unauthorized use that occurs after you notify us of the loss, theft, or possible unauthorized use. You will have no\nliability for unauthorized purchases made with your credit card, unless you are grossly negligent in the handling of your card. In any case, your liability will not exceed $50.\n11. Changing or Terminating Your Account. The Credit Union may change the terms of this Agreement from time to time. Notice of any change will be given in accordance with\napplicable law. If permitted by law and specified in the notice to you, the change may or may not apply to your existing Account balance as well as to future transactions.\nEither you or the Credit Union may terminate this Agreement at any time, but termination by you or the Credit Union will not affect your obligation to pay the Account balance plus\nany finance and other charges you owe under this Agreement. You are also responsible for all transactions made to your Account after termination, unless the transactions were\nunauthorized.\nThe Card or Cards you receive remain the property of the Credit Union and you must recover and surrender to the Credit Union all Cards upon request or upon termination of this\nAgreement whether by you or the Credit Union. The Credit Union has the right to require you to pay your full Account balance at any time after your Account is terminated, whether\nit is terminated by you or the Credit Union. If this is a joint Account, Section 17 of this Agreement also applies to termination of the Account.\n12. Credit Review and Release of Information. You authorize the Credit Union to investigate your credit standing when opening or reviewing your Account. You authorize the\nCredit Union to disclose information regarding your Account to credit bureaus and creditors who inquire about your credit standing. If your account is eligible for emergency cash\nand/or emergency card replacement services, and you request such services, you agree that we may provide personal information about you and your account that is necessary to\nprovide you with the requested service(s).\n\n\x0c13. Returns and Adjustments. Merchants and others who honor your Card may give credit for returns or adjustments, and they will do so by sending the Credit Union a credit slip\nwhich will be posted to your Account. If your credits and payments exceed what you owe the Credit Union, the amount will be applied against future purchases and cash advances.\nIf the credit balance amount is $1 or more, it will be refunded upon your written request or automatically after six (6) months.\n14. Additional Benefits/Card Enhancements. The Credit Union may from time to time offer additional services to your Account, such as travel accident insurance, at no additional\ncost to you. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time.\n15. Foreign Transactions. Purchases and cash advances made in foreign currencies will be debited from your account in U.S. dollars. The exchange rate between the transaction\ncurrency and the billing currency used for processing international transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing rate. The\nexchange rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.\nA fee of 1% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions, including purchases, cash advances and credits to your account.\nA foreign transaction is any transaction that you complete or a merchant completes on your card outside of the U.S., Puerto Rico or the U.S. Virgin Islands.\n16. Merchant Disputes. The Credit Union is not responsible for the refusal of any merchant or financial institution to honor your Card. The Credit Union is subject to claims and\ndefenses (other than tort claims) arising out of goods or services you purchase with the Card if you have made a good faith attempt but have been unable to obtain satisfaction from\nthe merchant or service provider, and (a) your purchase was made in response to an advertisement the Credit Union sent or participated in sending to you; or (b) your purchase cost\nmore than $50 and was made in your state or within one hundred (100) miles of your home.\n17. Joint Accounts. If this is a joint Account, each person on the Account agrees to the terms of this Agreement by using the account. Each of you will be individually and jointly\nresponsible for paying all amounts owed under this Agreement. This means that the Credit Union can require any one of you individually to repay the entire amount owed under this\nAgreement. Each of you authorizes the other(s) to make purchases or cash advances individually. Any one of you may terminate the Account and the termination will be effective\nas to all of you.\n18. Effect of Agreement. This Agreement is the contract which applies to all transactions on your Account even though the sales, cash advances, credit or other slips you sign or\nreceive may contain different terms.\n19. No Waiver. The Credit Union can delay enforcing any of its rights any number of times without losing them.\n20. Statements and Notices. Statements and notices will be mailed to you at the most recent address you have given the Credit Union. Notice sent to any one of you will be\nconsidered notice to all.\n21. Final Expression. This Agreement is the final expression of the terms and conditions of this VISA line of credit between you and the Credit Union. This written Agreement may\nnot be contradicted by evidence of any alleged oral agreement.\n22. Signatures. You authorize the use of electronic signatures, facsimile signatures and photocopied signatures. For all purposes said signatures to have the same force an effect as\noriginal signatures for all transactions included in applications or agreements with us.\n23. Acknowledgments. If we go to court for any reason, you agree and understand that we can use a copy, filmed or electronic of any periodic statement, this agreement or any\nfacsimile signature to prove what you owe us or that a transaction has taken place. Such copies shall have the same validity as the original.\n\n\x0cYour acceptance and use and/or allowing your card to be used is your agreement to all of the terms and statements in this Agreement. You acknowledge that you have received a\ncopy of the Agreement.\nYOUR BILLING RIGHTS\nKeep ThisNoticeForFutureUse\nThis notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act.\nNotify Us In Case of Errors or Questions About Your Bill\nIf you think your bill is wrong, or if you need more information about a transaction on your bill, write PSCU Financial Services, P.O. Box 3112, Tampa, FL 33631-3112 on\na separate sheet at the address listed on your bill. Write to us as soon as possible. We must hear from you no later than sixty (60) days after we sent you the first bill on\nwhich the error or problem appeared. You can telephone us, but doing so will not preserve your rights.\nIn your letter, give 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. If you need more information, describe the item you are not sure about.\nIf you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the\npayment your letter must reach us three (3) business days before the automatic payment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice we must acknowledge your letter within thirty (30) days, unless we have corrected the error by then.\nWithin ninety (90) days, we must either correct the error or explain why we believe the bill was correct.\nAfter we receive your letter, we cannot try to collect any amount you question, or report you as delinquent. We can continue to bill you for the amount you question, including\nfinance charges, and we can apply an unpaid amount against your credit limit. You do not have to pay any questioned amount while we are investigating, but you are still obligated\nto pay the parts of your bill that are not in question.\nIf we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount. If we didn\xe2\x80\x99t make a mistake, you may have to pay\nfinance charges, and you will have to make up any missed payments on the questioned amount. In either case, we will send you a statement of the amount you owe and the date that\nit is due.\nIf you fail to pay the amount 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 (10) days\ntelling 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 the name of anyone we reported you to.\nWe must tell anyone we report you to that the matter has been settled between us when it finally is.\nIf we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first $50 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 the problem with the merchant, you\nmay have the right not to pay the remaining amount due on the property or services. There are two (2) limitations on this right:\n(a) You must have made the purchase in your home state or, if not within your home state, within one hundred (100) miles of your current mailing address; and\n(b) The purchase price must have been more than $50\nThese limitations do not apply if we own or operate the merchant, or if we mailed you the advertisement for the property or services.\n\nM-118812 Effective 06/15/2016\n\n\x0c'


b'0D]XPD\x03&UHGLW\x038QLRQ\x03\n\x037260 W. 135th Street\n\x03Overland Park, KS 66223\n\x1c\x14\x16 \x03\x18\x1a\x17\x10\x18\x13\x13\x13\x03\x03 \x1b\x1b\x1b \x03\x16\x19\x14\x10\x17\x14\x1c\x17 \x03\nZZZ\x11PD]XPD\x11RUJ\x03\n\nIMPORTANT CREDIT CARD DISCLOSURES\n7KH\x03IROORZLQJ\x03GLVFORVXUH\x03UHSUHVHQWV\x03LPSRUWDQW\x03GHWDLOV\x03FRQFHUQLQJ\x03\\RXU\x03FUHGLW\x03FDUG\x11\x037KH\x03LQIRUPDWLRQ\x03DERXW\x03FRVWV\x03RI\x03WKH\x03FDUG\x03LV\x03\nDFFXUDWH\x03DV\x03 RI\x03 BBBBBBBBBBBBBBB\x11\x03 <RX\x03FDQ\x03FRQWDFW\x03 XV\x03WROO\x03IUHH\x03 DW\x03 WKH\x03QXPEHU\x03RU\x03 DGGUHVV\x03DERYH\x03WR\x03 LQTXLUH\x03LI\x03 DQ\\\x03FKDQJHV\x03\nRFFXUUHG\x03VLQFH\x03WKH\x03HIIHFWLYH\x03GDWH\x11\x03\nINTEREST RATES and INTEREST CHARGES:\nAnnual Percentage Rate (APR) for\nPurchases, Cash Advances, &\nBalance Transfers\n\n16.90%\n\nPenalty APR and When it Applies\n\n1RQH\x03\n\nPaying Interest\n\n<RXU\x03GXH\x03GDWH\x03LV\x03DW\x03OHDVW\x03\x15\x18\x03GD\\V\x03DIWHU\x03WKH\x03GDWH\x03RI\x03\\RXU\x03ELOOLQJ\x03VWDWHPHQW\x11\x03:H\x03\nZLOO\x03QRW\x03FKDUJH\x03\\RX\x03LQWHUHVW\x03RQ\x03SXUFKDVHV\x03LI\x03\\RX\x03SD\\\x03\\RXU\x03HQWLUH\x03QHZ\x03\nSXUFKDVH\x03EDODQFH\x03E\\\x03WKH\x03GXH\x03GDWH\x03HDFK\x03PRQWK\x11\x03:H\x03ZLOO\x03EHJLQ\x03FKDUJLQJ\x03\nLQWHUHVW\x03RQ\x03FDVK\x03DGYDQFHV\x03DQG\x03EDODQFH\x03WUDQVIHUV\x03RQ\x03WKH\x03GDWH\x03WKH\x03FDVK\x03\nDGYDQFH\x03RU\x03EDODQFH\x03WUDQVIHU\x03LV\x03SRVWHG\x03WR\x03\\RXU\x03DFFRXQW\x11\x03\n\nMinimum Interest Charge\n\n1RQH\x03\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\n7R\x03OHDUQ\x03PRUH\x03DERXW\x03IDFWRUV\x03WR\x03FRQVLGHU\x03ZKHQ\x03DSSO\\LQJ\x03IRU\x03RU\x03XVLQJ\x03D\x03FUHGLW\x03\nFDUG\x0f\x03YLVLW\x03WKH\x03ZHEVLWH\x03RI\x03WKH\x03&RQVXPHU\x03)LQDQFLDO\x033URWHFWLRQ\x03%XUHDX\x03DW\x03\nhttp://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain your\nAccount\n\xc2\xb7\x03 $QQXDO\x03)HH\x1d\x03\n\n$25.00\n\n\xc2\xb7\x03 $SSOLFDWLRQ\x03)HH\x1d\x03\n\x03\n\n1RQH\x03\n\x03\n\nTransaction Fees\n\xc2\xb7\x03 %DODQFH\x037UDQVIHU\x1d\x03\n\n1RQH\x03\n\n\xc2\xb7\x03 &DVK\x03$GYDQFH\x1d\x03\n\n1RQH\x03\n\n\xc2\xb7\x03 )RUHLJQ\x037UDQVDFWLRQ\x1d\x03\n\n1RQH\x03\n\nPenalty Fees\n\x03\n\n\xc2\xb7\x03 /DWH\x033D\\PHQW\x1d\x03\n\n$15.00 LI WKH\x03PLQLPXP\x03SD\\PHQW\x03LV\x03PRUH\x03WKDQ\x03\x07\x15\x18\x11\x13\x13\x0f\x03RU\x03$5.00\x03LI\x03WKH\x03\nPLQLPXP\x03SD\\PHQW\x03LV\x03\x07\x15\x18\x11\x13\x13\x03RU\x03OHVV\x11\n\n\xc2\xb7\x03 2YHU\x10WKH\x10&UHGLW\x03/LPLW\x1d\x03\n\n1RQH\x03\n\n\xc2\xb7\x03 5HWXUQHG\x033D\\PHQW\x1d\x03\n\n$15.00\x0f\x03SOXV\x03WKH\x03DFWXDO\x03DPRXQW\x03RI\x03DQ\\\x03FKDUJHV\x03DVVHVVHG\x03DJDLQVW\x03XV\x03E\\\x03\nDQRWKHU\x03ILQDQFLDO\x03LQVWLWXWLRQ\x03IRU\x03SURFHVVLQJ\x03D\x03UHIXVHG\x03FKHFN\x0f\x03VKDUH\x03GUDIW\x0f\x03RU\x03\nRWKHU\x03SD\\PHQW\x03PHWKRG\x03XVHG\x03E\\\x03\\RX\x03IRU\x03SD\\PHQW\x03RQ\x03\\RXU\x03DFFRXQW\x11\x03\n\nHow We Will Calculate Your Balance:\x03:H\x03XVH\x03D\x03PHWKRG\x03FDOOHG\x03\x05DYHUDJH\x03GDLO\\\x03EDODQFH\x03 H[FOXGLQJ\x03QHZ\x03SXUFKDVHV \x11\x05\x03\n\n\x1c\x13\x13\x1c\x036<0 ),\x14\x1a\x19\x15\x13 \x14\x10\x15\x13\x14\x18\n\n&23<5,*+7\x03\x15\x13\x13\x1c\x036HFXULDQ\x03)LQDQFLDO\x03*URXS\x0f\x03,QF\x11\x03$OO\x03ULJKWV\x03UHVHUYHG\x11\n\n\x0c'