b'ISSUED BY:\n\nVISA Signature\nCredit Card Agreement\nDISCLOSURES REQUIRED BY FEDERAL LAW\n\n1. Interest Charges\na. Calculation Methods - Credit Purchases: _____G____; Balance Transfer ____A_____; Cash\nAdvance: ____A_____.\nb. Periodic Rates used to compute Interest Charges - Credit Purchases:\n1.02000-1.18667\n1.02000-1.18667\n______________________%\nper month; Balance Transfers: ______________________%\nper\n1.49167\nmonth; Cash Advances: ______________________%\nper month.\nCorresponding\nANNUAL\nPERCENTAGE\nRATES\nCredit\nPurchases:\n12.24-14.24\n12.24-14.24\n______________________%;\nBalance Transfer ______________________%;\nCash Advance:\n17.90\n______________________%.\n\n11. SECURITY: If you have other loans or credit extensions from Issuer, or take out\nother loans or credit extensions with Issuer in the future, collateral securing those\nloans or credit extensions will also secure your obligations under this agreement.\nHowever, unless you expressly agree otherwise, your household goods and dwelling\nwill not secure your obligations under this agreement even if Issuer has, or later\nacquires, a security interest in the household goods or a mortgage on the dwelling. If\nyou have executed a written agreement granting a security interest in any deposit\naccounts (checking, savings, or share accounts) or other funds held by Issuer to\nsecure your obligations under this credit card plan, such accounts and/or funds are\nadditional security for your obligations to Issuer arising from the use of your Card.\n\n12. Annual Fee Plans: Your Annual Fee waiver analysis, under the Plan noted in Section 3.b.\nonly includes the following transactions: Plan 1: Gross Sales; Plan 2: Gross Cash Advances;\nPlan 3: Net Sales; Plan 4: Net Cash Advance; Plan 5: Gross Sales plus Gross Cash Advance;\nPlan 6: Net Sales plus Net Cash Advance (Note: Time period analyzed shall be prior 12 month\nperiod; however, initial time period may be less than 12 months as it begins on the date you\nwere notified of this program. Annual Fees shall not be waived for cardholders in default.)\nPERIODIC INTEREST CHARGE CALCULATIONS METHODS\nYou agree to pay interest at the rate(s) disclosed to you at the time you open your account and\nas may be changed from time to time in accordance with applicable law. The periodic Interest\nCharge Calculation Method applicable to your account for Cash Advances and Credit\npurchases of goods and services that you obtain through the use of your Card is specified in\nSection 1 on the Disclosure above and explained below:\n2. Transaction Fees - For Balance Transfers and Cash Advances a fee equal to the greater of\nMethod\nA - Average Daily Balance (including current transactions). The Interest Charge on\n$5.00 or 2% of the Balance Transfer or Cash Advance will be imposed. A transaction fee may\nalso be imposed by an ATM operator, not holding your account, or by any national, regional or purchases begins from the date the transaction is posted to your account, and the Interest\nCharge on cash advances or balance transfers begins from the date you obtained the cash\nlocal network used to complete a Cash Advance transaction.\nadvance or balance transfer, or the first day of the billing cycle in which it is posted to your\n3. OVERLIMIT CHARGES: Cardholder shall immediately pay the amount by which the total account, whichever is later. There is no grace period.\nNew Balance exceeds the maximum authorized credit. An Overlimit Charge equal to the The Interest Charges for a billing cycle are computed by applying the monthly Periodic Rate to\ngreater of $__N/A____ , or___N/A___ % of the Amount overlimit, shall be imposed, not to the "average daily balance" of your account. To get the average daily balance, we take the\nexceed $__N/A___ (For California accounts see, Sec. 9.)\nbeginning balance of your account each day, add any new purchases or cash advances, and\nsubtract any payments, credits, non-accruing fees, and unpaid Interest Charges. This gives us\n4. ANNUAL FEE\nthe daily balance. Then we add up all the daily balances for the billing cycle and divide the total\na. A non-refundable Annual Fee of $__N/A___ plus applicable taxes, shall be charged to your\nby the number of days in the billing cycle.\naccount, or\nMethod E - Average Daily Balance (excluding current transactions). To avoid incurring an\nb. Using Plan______N/A________ (see Sec. 11) An Annual Fee/Interest Charge of $_N/A_ additional Interest Charge on the balance of purchases (and cash advances if Method E is\nplus applicable taxes shall be charged unless, for the time period analyzed, you charged more specified as applicable to cash advances) reflected on your monthly statement, you must pay\nthan $______N/A________ or had more than _N/A_ transactions on your card\nthe New Balance shown on your monthly statement on or before the Payment Due Date. The\ngrace period for the New Balance of purchases extends to the Payment Due Date.\n5. MINIMUM PAYMENT:\na. The minimum payment required is the New Balance shown on your statement if the amount The Interest Charges for a billing cycle are computed by applying the monthly Periodic Rate to\nthe "average daily balance" of purchases (and if applicable, cash advances). To get the\nis equal to or less than $__25.00___\naverage daily balance, we take the beginning balance of your account each day and subtract\nb.\nIf the New Balance exceeds $__25.00__ the minimum payment is__2.00___ % of that any payments, credits, non-accruing fees, and unpaid Interest Charges. We do not add in new\nportion of the New Balance which does not exceed your credit limit (rounded up to the nearest purchases or cash advances. This gives us the daily balance. Then we add up all the daily\ndollar), or $__25.00__________, whichever is greater, plus the entire portion of the New balances for the billing cycle and divide the total by the number of days in the billing cycle.\nBalance in excess of your credit limit, plus any amount past due.\nMethod F - Average Daily Balance (including current transactions). To avoid incurring an\n6. LATE CHARGES: If the minimum required payment is not received within__0__ days after additional Interest Charge on the beginning balance of cash advances (and purchases, if\n29.00\nMethod F is specified as applicable to purchases) reflected on your monthly statement, you\nthe Closing Date subsequent to the payment Due Date, a late charge of up to $_______,\nor__N/A____ %, whichever is less, of the unpaid portion of the past due amount is imposed, must pay the Beginning Balance shown on your monthly statement on or before the Payment\nDue Date. No grace period is provided for current cycle transactions.\nbut not to exceed $_______.\n29.00\n7. The only Interest Charges assessed on your account other than those assessed by a The Interest Charges for a billing cycle are computed by applying the monthly Periodic Rate to\nperiodic rate, will be transaction Interest Charges in connection with Cash Advances or the "average daily balance" of cash advances (and if applicable, purchases). To get the\nBalance Transfers if part of your Plan. Transaction Interest Charges for each Cash Advance or average daily balance, we take the beginning balance of your account each day, add any new\nBalance Transfer will be imposed on the date the Cash Advance or Balance Transfer was purchases or cash advances, and subtract any payments, credits, non-accruing fees, and\nunpaid Interest Charges. This gives us the daily balance. Then we add up all the daily balances\nposted to your account. No grace period applies on any transaction Interest Charge imposed\nfor the billing cycle and divide the total by the number of days in the billing cycle.\nfor Cash Advance or Balance Transfer.\nMethod G - Average Daily Balance (including current transactions). To avoid incurring an\n8. Documentary stamp taxes as may be required by law shall be imposed on each Cash additional Interest Charge on the balance of purchases (and cash advances, if Method G is\nAdvance at the time the loan is made.\nspecified as applicable to cash advances) reflected on your monthly statement and, on any\n9. The annual fee shall be treated as a Credit Purchase for purposes of calculating Interest new purchases (and if applicable, cash advances) appearing on your next monthly statement\nyou must pay the New Balance, shown on your monthly statement, on or before the Payment\nCharges, unless prohibited by law.\nDue Date. The grace period for the New Balance of purchases extends to the Payment Due\n10. In California a maximum of $10 in Overlimit Fees may be imposed with respect to any\nDate.\ncharge that causes the outstanding balance to exceed the credit limit by $500 or 120 percent,\nwhichever is less. No more than one overlimit charge may be assessed within a single monthly The Interest Charges for a billing cycle are computed by applying the monthly Periodic Rate to\nthe "average daily balance" of purchases (and if applicable, cash advances). To get the\nbilling cycle.\naverage daily balance, we take the beginning balance of your account each day, add any new\npurchases or cash advances, and subtract any payments, credits, non-accruing fees, and\nunpaid Interest Charges. This gives us the daily balance. Then we add up all the daily balances\nfor the billing cycle and divide the total by the number of days in the billing cycle.\nIMPORTANT NOTICES\n*SIGN SIGNATURE PANEL ON THE BACK OF CARD(S) IMMEDIATELY. CARD(S) MUST BE SIGNED TO BE VALID. *DESTROY OLD CARD(S) NOW.\n*SAVE YOUR SALES SLIPS FOR COMPARISON WITH YOUR MONTHLY STATEMENT.\nLOST OR STOLEN CARD CALL (866) 929-1901\npage 1 of 3\nLASER FPDF FI13824 Rev 3-2020\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\nThe Periodic Rates and corresponding Annual Percentage Rates will vary with the market\nbased on the Prime Rate. The interest rates may increase or decrease if the highest rate of\ninterest identified as the \'Prime Rate\' in the \'Money Rates\' column of the Wall Street Journal\nincreases or decreases as of the 10th calendar day of the month. The Annual Percentage Rate\nwill be equal to the Prime Rate plus a margin of: ______________________\n% for Credit\n8.99-10.99\n8.99-10.99\nPurchases;\n______________________\n%\nfor\nBalance\nTransfers;\nand\n14.65\n______________________\n% for Cash Advances, and then rounded to the nearest 0.010%.\nThe monthly Periodic Rate will be equal to the Annual Percentage Rate divided by twelve. The\ninterest rate can change monthly on the 25th calendar day of any month in which the Prime\nRate changes. For example, a new Prime Rate on March 10 means your rate will change on\nMarch 25. The Annual Percentage Rate will never be more than ___18.00___%.\n\n\x0cTERMS GOVERNING THE USE OF YOUR CARD\nThe person ("Cardholder") whose name is embossed on the face of the VISA ("Card") enclosed\nherewith, and each Cardholder, in the event more than one Card is enclosed herewith bearing the\nsame account number, by signing or using said Card, receipt of which is acknowledged, agrees\nwith the Issuer of the Card whose name is printed on the reverse ("Issuer") as follows:\nA. Goods and services ("Credit Purchases") may be purchased or leased by means of such card\nby Cardholder from any retail business establishment ("Seller") who honors same upon the\nexecution of a sales slip evidencing such Credit Purchases and bearing the account number of\nCardholder embossed on the face of such Card. Additionally, VISA Cash Advances ("Loans") may\nbe obtained through use of such Card (a) upon execution of a written request of Cardholder in a\nform furnished to Cardholder from any financial institution that is a member, alone or in association\nwith others, of VISA U.S.A. Inc. and (b) upon execution of a written separate agreement with\nissuer for a VISA overdraft financing agreement, if offered by Issuer.\nB. Cardholder shall be liable and agrees to pay Issuer for Credit Purchases made by, or for Loans\nextended to, Cardholder or anyone else using such Card unless the use of such Card is by a\nperson other than the Cardholder (a) who does not have actual, implied or apparent authority for\nsuch use, and (b) from which Cardholder receives no benefit. Additionally, Cardholder shall be\njointly and severally liable and agrees to pay for all Credit Purchases and Loans obtained through\nthe use of any other Card bearing Cardholder\'s account number that has been issued to another\nperson by reason of such person being a member of Cardholder\'s family, or otherwise issued upon\nCardholder\'s request (all such Cards bearing the VISA account number hereinafter collectively\ncalled "Related Cards").\nC. Cardholder agrees to pay to Issuer an annual membership fee (as stated in the Disclosures on\nthe reverse) for participation in the Issuer\'s credit card plan. Such annual membership fee shall be\nimposed whether or not Cardholder uses the card to obtain credit purchases and loans. The\nmembership fee shall be charged to Cardholder\'s account each year in the month of Issuer\'s\nchoice. The membership fee is not refundable in the event of termination of the account by either\nCardholder or Issuer unless otherwise provided for by law.\nD. Each Card is the property of Issuer, is not transferable and must be surrendered upon demand.\nIt can be canceled as well as repossessed by Issuer or its designee, and the privileges thereof\nrevoked, at any time without prior notice.\nE. Cardholder shall not use the card or permit the use of Related Cards to obtain Credit\nPurchases or Loans which will increase Cardholder\'s indebtedness to Issuer to an amount in\nexcess of the limit established by Issuer.\nF. All Credit Purchases and Loans are effected at the option of the Seller and Cash Advancing\nFinancial Institution, respectively, and Issuer is not responsible for the refusal of any plan merchant\nor financial institution to honor the Card. Also, Issuer is not responsible for goods or services that\nCardholder purchases with the Card unless: (a) the purchase was made in response to an\nadvertisement Issuer sent or participated in sending Cardholder; or (b) the purchase cost more\nthan $50 and was made from a plan merchant in Cardholder\'s state or within 100 miles of\nCardholder\'s home; and only if Cardholder has made a good faith attempt, but have been unable\nto obtain satisfaction from the plan merchant. Cardholder must resolve all other disputes directly\nwith the plan merchant. Issuer does not warrant any merchandise or services purchased by\nCardholder with the Card.\nG. Issuer will send to Cardholder, at monthly intervals determined by Issuer, a statement reflecting\nfor the prior monthly period all VISA Card and Related Card transactions. Such statement shall be\ndeemed correct and accepted by Cardholder and all holders of Related Cards unless Issuer is\nnotified to the contrary in writing within 60 days of mailing of such statement. Cardholder will pay\nsuch statement by remitting to Issuer within 25 days of the closing date reflected on the statement\neither the full amount billed or, at Cardholder\'s option, an installment equal to at least the required\nminimum payment stated in Section 4 on page 1 of this document.\nH. Interest on Loans and Credit Purchases will be charged in accordance with the Interest Charge\ncalculation method referred to in Section 1 of the Disclosures on page 1 of this document. The rate\nof interest shall be established by Issuer from time to time, but shall never exceed the maximum\nrate permitted by law. The current interest rate per annum is the Annual Percentage Rate set forth\nin Section 1 of the Disclosures on page 1 of this document.\nI. If the card is canceled or surrender is demanded by Issuer, or if Cardholder defaults in any\npayment due, or is deceased, bankrupt or insolvent, or any attachment or garnishment\nproceedings are initiated against Cardholder or his property, Issuer may elect to declare all\namounts then owed to Issuer to be immediately due and payable without notice or demand of any\nkind. If Cardholder has other loans from Issuer, or takes out other loans with Issuer in the future,\ncollateral securing those loans will also secure the Cardholder\'s obligations under this agreement.\nHowever, unless the Cardholder expressly agrees otherwise, the Cardholder\'s household goods\nand dwelling will not secure Cardholder\'s obligations under this agreement even if Issuer has or\nlater acquires a security interest in the household goods or a mortgage on the dwelling. Cardholder\nagrees to pay all costs incurred by Issuer in collecting Cardholder\'s indebtedness or in enforcing\nthis agreement, including reasonable attorney\'s fees and also those costs, expenses and\nattorney\'s fees incurred in appellate, bankruptcy and post-judgment proceedings, except to the\nextent such costs, fees or expenses are prohibited by law.\nJ. This agreement may be amended from time to time by Issuer by written notice mailed to\nCardholder at Cardholder\'s last known address, subject to applicable law.\nK. Except to the extent that Federal law is applicable, the validity, construction and enforcement of\nthis agreement and all matters arising out of the issuance and use of the Card shall be governed\nby the laws of the state in which the principal office of Issuer is located.\nL. Additional charges, plus applicable taxes, may also be assessed if you pay us with a check not\nhonored by your financial institution, request a copy of a document, request a replacement card or\nuse your card for a transaction at an automated teller machine, if such charges are not prohibited\nby law or regulation. No Interest Charge will be assessed on such additional charges.\nLASER FPDF FI13824 Rev 3-2020\n\nM. Cardholder may be liable for the unauthorized use of the Card or Related Cards as provided\nin this paragraph. Unless Issuer can prove the Cardholder was negligent or committed fraud in\nthe use or handling of the Card, the Cardholder will not be liable for any unauthorized use that\noccurs after the Issuer is notified, orally or in writing at: Credit Card Security Department, P.O.\nBox 2070, Fort Mill, SC 29716, Telephone Number (866) 929-1901.\nIf Cardholder has a consumer account or a business account, there is no limit to Cardholder\'s\nliability for any unauthorized use that occurs before Cardholder notifies Issuer as provided\nherein; the business or organization may only impose liability on its employees for unauthorized\nuse of a card as authorized by federal law and regulation.\nN. Cardholder agrees that Issuer, its agents or service companies may monitor and/or record\nany telephone communications with Cardholder.\nO. Foreign Transactions; Currency Conversion. Purchases and cash advances made in foreign\ncurrencies will be billed to you in U.S. dollars. The conversion rate in dollars will be a rate\nselected by the card company from a range of rates available in wholesale currency markets\nfor the applicable central processing date, which rate may vary from the rate the card company\nitself receives, or the government- mandated rate in effect for the applicable central processing\ndate in each instance. All transactions processed outside of the United States (which may\ninclude internet transactions) will be charged a foreign transaction fee in the amount disclosed\non Cardholder\'s Truth-in- Lending Statement or similar document (as amended from time to\ntime).\nP. Issuer shall have sole discretion in how payments are applied to Cardholder\'s account\nsubject to applicable law. Issuer may accept checks marked "Payment in Full" or with words of\nsimilar effect without losing any of Issuer\'s rights to collect the full balance of Cardholder\'s\naccount. Payments must be made to Issuer in US dollars drawn on a US financial institution.\nQ. Issuer can reinvestigate and reevaluate any information Cardholder provided on\nCardholder\'s credit application at any time, and in the course of doing so, Issuer may ask\nCardholder for additional information, request credit bureau reports and/or otherwise verify\nCardholder\'s current credit standing.\nR. Cardholder agrees that Issuer may re-release information to others, such as credit bureaus,\nregarding the status and history of Cardholder\'s account. However, Issuer is not obligated to\nrelease any such information to anyone unless Issuer is required by law to do so.\nS. Cardholder agrees that Cardholder\'s account shall be subject to all applicable rules and\nregulations of VISA U.S.A. Inc., as applicable, as well as all applicable laws. If there is any\nconflict between the provision of this Agreement and the rules and regulations of VISA U.S.A.\nInc., the rules and regulations of VISA U.S.A. Inc. shall control. Your Visa Card may not be\nused for any illegal transaction(s).\nT. Cardholder shall not use the Card or account to make or facilitate any illegal transactions as\ndetermined by applicable law; and that any such use will constitute an event of default under\nthis Agreement. Issuer may decline any transaction that it believes to be illegal under\napplicable law, including but not limited to any transaction involving or relating to any gambling\nactivity. Cardholder agrees that Issuer will have no liability or responsibility for any such use by\nCardholder or any authorized user(s); or for declining any such transaction. Cardholder further\nagree to indemnify and hold Issuer harmless from any suits, liability, damages or adverse\naction of any kind that results directly or indirectly from such illegal use. Cardholder promises to\npay Issuer any and all amounts owing on the Card for any transactions made by Cardholder,\neven if the transaction is determined to be illegal.\nU. Merchants and others who honor the Card may give credit for returns or adjustments, and\nthey will do so by submitting a credit slip which will be posted to Cardholder\'s account. If the\ncredits and payments exceed what Cardholder owes, the amount will be applied against future\npurchases and cash advances. If the credit balance amount is $1 or more, it will be refunded\nupon Cardholder\'s written or verbal request.\nV. From time to time the Issuer may offer a special rate applicable to certain transactions such\nas particular purchases (as defined by the Issuer), balance transfers, cash advances or\npurchases made by using Convenience Checks. Applicable terms and conditions will be\ndisclosed at the time any such promotion is offered, and are incorporated into this agreement\nby reference. The promotional rate will apply only to the transactions and for the period of time\nset forth in any such offer from the Issuer. Existing balances and new purchases or advances\nnot expressly subject to any such promotion will remain governed by the terms and conditions\nof this agreement. In addition, the terms and conditions of this agreement will govern\nCardholder\'s obligations regarding any unpaid balance or transactions that are made subject to\nany such promotional offer, that are not fully paid within the time period set forth in such\npromotional offer.\nW. The Issuer may offer Cardholder the opportunity to not make ("skip") a minimum payment\nduring certain designated billing cycles ("skip payment period"). If Cardholder does not make\nminimum payments as provided in this agreement, during such designated billing cycles,\nCardholder understands that Issuer will continue to apply finance charges to the account.\nBeginning with the billing cycle following an allowed skip payment period, all other provisions of\nthis agreement will apply. The Issuer has no obligation to accept Cardholder\'s application for\nany skip payment period offered, and Cardholder authorizes Issuer to investigate Cardholder\'s\ncreditworthiness including obtaining consumer credit reports. The Issuer may charge an\napplication processing fee of up to $50.00 for each skip payment period that issuer may offer to\ncover the costs of investigating Cardholder\'s qualifications for this extension including but not\nlimited to the costs associated with researching Cardholder\'s creditworthiness.\nX. If Cardholder elects debt protection, as set forth in the Cardholder\'s application, then the\ncharges will be added to the account balance on each billing cycle, if the debt protection\napplication is approved. Debt protection is voluntary and not required to obtain a credit card\naccount with the Issuer. Cardholder has a right to terminate this debt protection at anytime by\nnotifying the Issuer in writing.\n\npage 2 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cYOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the Fair Credit\nBilling Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(es) listed on your\nstatement.\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\nbelieve it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if you want to stop\npayment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do, we are not\nrequired to investigate any potential errors and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will\nalso 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\nwhy we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you\ninterest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder\nof your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nLASER FPDF FI13824 Rev 3-2020\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or\nother 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\nwith applicable interest and fees. We will send you a statement of the amount you owe and the\ndate payment is due. We may then report you as delinquent if you do not pay the amount we\nthink you owe.\nIf you receive our explanation but still believe your bill is wrong, you must write to us within 10\ndays telling us that you still refuse to pay. If you do so, we cannot report you as delinquent\nwithout also reporting that you are questioning your bill. We must tell you the name of anyone\nto whom we reported you as delinquent, and we must let those organizations know when the\nmatter 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\nyou question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit\ncard, and you have tried in good faith to correct the problem with the merchant, you may have\nthe right not to pay the remaining amount due on the purchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100 miles of your current\nmailing address, and the purchase price must have been more than $50. (Note: Neither of\nthese are necessary if your purchase was based on an advertisement we mailed to you, or if\nwe 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\nadvances from an ATM or with a check that accesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in\nwriting at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After\nwe finish our investigation, we will tell you our decision. At that point, if we think you owe an\namount and you do not pay, we may report you as delinquent.\n\npage 3 of 3\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0cVisa Signature\n\nTRUTH-IN-LENDING DISCLOSURE STATEMENT - ACCOUNT OPENING DISCLOSURES\nThe following disclosure represents important details concerning your credit card. This statement is incorporated into and becomes a part of your Credit\nCard Agreement. We reserve the right to periodically review your credit standing and to increase any rate on your new balances, in accordance\nwith applicable law.\nINTEREST RATES and INTEREST CHARGES:\nAnnual Percentage Rate (APR) for\nPurchases and Balance Transfers\n\n1.90%\n\ntwelve\nIntroductory APR for ____________\nmonths. After that, your Standard\nAPR will be\n\n12.24-14.24%\n\nThis APR will vary with the market based on the Prime Rate*.\n\nThis APR will vary with the market based on the Prime Rate*.\n\nAPR for Cash Advances\n\n17.90%\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not charge you interest on\npurchases if you pay your entire new purchase balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the transaction date.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\nConsumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore\n\nFEES:\nFees to Open or Maintain your Account\n- Annual Fee:\n\nNone\n\nTransaction Fees\n- Balance Transfer:\n- Cash Advance:\n- Foreign Transaction:\n\n___%\nof the amount of each transfer (minimum: $5.00)\n2\n2\n___%\nof the amount of each cash advance (minimum: $5.00)\n1\n___%\nof each transaction in U.S. dollars\n\nPenalty Fees\n- Late Payment:\n- Over-the-Credit Limit:\n- Returned Payment:\n\n0\n29.00 if your payment is late _____\nUp to $_______\ndays or more\nNone\n25.00 if your payment is returned for any reason\nUp to $_______\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including current transactions)", which means we calculate the\nbalance by adding together all new purchases and other transactions and subtracting payments and credits for each day in the billing cycle, adding these\ndaily balances, and dividing by the number of days in the billing cycle. See your account agreement for more details.\nLoss of Introductory Rate: We may end your Introductory Rate and apply the Standard APR disclosed above if you make a late payment.\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.\nOTHER IMPORTANT DISCLOSURES:\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO\nSECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR STATUTORY LIEN RIGHTS UNDER STATE AND/OR\nFEDERAL LAW. THE GRANTING OF THIS SECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS AGREEMENT. IF YOU ARE IN DEFAULT, WE CAN\nAPPLY YOUR SHARES TO THE AMOUNT YOU OWE. Shares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or\nfederal 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*Variable Rates: The Annual Percentage Rate may increase or decrease if the highest rate of interest identified as the \'Prime Rate\' in the \'Money Rates\' column of the Wall Street Journal\n8.99-10.99\nincreases or decreases as of the 10th calendar day of the month. The Annual Percentage Rate will be equal to the Prime Rate plus a margin of: _____________%\nand then rounded to the\nnearest 0.010%. The interest rate can change monthly on the 25th calendar day of any month in which the Prime Rate changes. For example, a new Prime Rate on March 10 means your rate will\nchange on March 25. The Annual Percentage Rate will never be more than 18.00%. Any increase will lengthen the time it takes to payoff the loan.\nDaily Periodic Rates: Introductory Rate: 0.00521\nBalance Transfers: 0.03353-0.03901\n\n%; Purchases: 0.03353-0.03901\n%.\n\n%; Cash Advances: 0.04904\n\n%;\n\nOther Fees: In addition to the fees disclosed above, the following fees may be imposed:\nDocument/Statement Copy Fee:\n$2.00 per page\nCard Replacement Fee:\n$10.00\nPay-by-Phone Fee:\n$10.00\nMinimum Payment Requirements: The minimum payment required is the New Balance shown on your statement if the amount is equal to or less than $25.00. If the New Balance exceeds\n$25.00 the minimum payment is 2.00% of that portion of the New Balance which does not exceed your credit limit (rounded up to the nearest dollar), or $25.00, whichever is greater, plus the\nentire portion of the New Balance in excess of your credit limit, plus any amount past due.\nLASER FPDF FI13824 Rev 3-2020\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'Reliant Community Federal Credit Union\nVisa Platinum Credit Card\nas of May 1, 2021\nINTEREST RATES AND INTEREST CHARGES\nAnnual Percentage Rate\n(APR) for Purchases\n\n7.50%, 8.50%, 10.50%, 13.50%, or 16.50%\n\nVariable APR is determined by an Index plus a Margin. The Index is the highest Prime Rate\npublished in The Wall Street Journal on the last business day of the month preceding the current\ncalendar quarter. The Margin is 4.25%, 5.25%, 7.25%, 10.25% or 13.25% depending on a sixmonth review of your credit history. Your variable rate will not exceed 18% APR.\n\n0.99% new account introductory rate for six months after account is open for all purchases.\nAPR for Balance Transfers\n\n7.50%, 8.50%, 10.50%, 13.50%, or 16.50%\n\nVariable APR is determined by an Index plus a Margin. The Index is the highest Prime Rate published\nin The Wall Street Journal on the last business day of the month preceding the current calendar quarter.\nThe Margin is 4.25%, 5.25%, 7.25%, 10.25% or 13.25% depending on a six-month review of your\ncredit history. Your variable rate will not exceed 18% APR.\n\n0.99% new account introductory rate for six months after account is open for all balance transfers.\nAPR for Cash Advances\n\n7.50%, 8.50%, 10.50%, 13.50%, or 16.50%\n\nVariable APR is determined by an Index plus a Margin. The Index is the highest Prime Rate published\nin The Wall Street Journal on the last business day of the month preceding the current calendar quarter.\nThe Margin is 4.25%, 5.25%, 7.25%, 10.25% or 13.25% depending on a six-month review of your\ncredit history. Your variable rate will not exceed 18% APR. Convenience checks are considered cash\nadvances.\n\n0.99% new account introductory rate for six months after account is open for all cash advances.\nHow to Avoid Paying\nInterest on Purchases:\n\nIf you pay the total new balance for purchases by the payment due date on your last statement, or if\nyou did not have a purchase balance on your last statement. Your due date is at least 25 days after\nthe close of each billing cycle.\nWe will begin charging interest on cash advances, convenience checks, and balance transfers on\nthe transaction date.\n\nMinimum Finance Charge\n\n$0\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 card, visit the website\nof the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.\n\nAnnual Fee\n\n$0\n\nTransaction Fees\nBalance Transfer\nCash Advance\nForeign Transaction\n\n$0\n$0\n$0\n\nPenalty Fees\nLate Payment\nReturned Check\nOver-the-Limit\n\nLesser of amount of minimum payment due or $25\n$20 per check\n$0\n\nOther Fees\nRushed Card\n\n$30\n\nFEES\n\nHow We Will Calculate Your Balance: The finance charge is calculated on the average daily balance including new transactions.\nBilling Rights: See Visa Plan Agreement for details.\n\nMilitary Lending Act Disclosures\nFederal law provides protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In\ngeneral, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage\nrate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance\npremiums; fees for ancillary products sold in connection with the credit transaction; any application fee (other than certain application\nfees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit\ncard account).\nPlease call us at (800)724-9282 to receive oral disclosures of the Military Lending Act disclosure above and a description of the\npayment obligation.\n\nM-133704\n\n\x0c'


b'with the Card, if you have made a good faith attempt, but have been unable to\nobtain satisfaction from the merchant or service provider, and (a) your Purchase\nwas made in response to an advertisement we sent or participated in sending to\nyou, or (b) your Purchase costs more than $50.00 and was made in your state\nor within 100 miles of your home.\n24. Responsibility and Liability. You may be liable for the unauthorized use\nof your Credit Card. If you lose or someone steals your card or any other means\nto access your Account, or if you think someone has used your Account without\nyour permission, immediately inform Notre Dame Federal Credit Union.\nYou will not be liable for unauthorized use that occurs after you notify Notre\nDame Federal Credit Union orally or in writing of the loss, theft, or possible\nunauthorized use at P.O. Box 7878, Notre Dame, IN, 46556, 1-800-522-6611 or\n574-239-6611. If notice is given orally, you will promptly confirm it in writing.\nWe may require you to provide us certain information in writing to help us\ninvestigate any unauthorized use. Further, you agree to cooperate and assist\nus or any government or law enforcement agent or agency in investigating,\ncollecting or pursuing any other rights (civil and criminal) relating to any\nunauthorized use. In this regard, you agree to file an appropriate police report\nwhen asked to do so. Do not use the Card or the Convenience Checks after you\nhave notified us, even if you find them or have them returned to you. You are\nliable for all transactions that you authorize. We may end your credit privileges\nand close your Account if we consider it appropriate. No Liability: You will\nhave no liability for unauthorized use of your Card, Convenience Checks or\nother Access Devices for non-ATM transactions made over the Visa\xc2\xae Network\nif the following conditions are met: (a) you have not been grossly negligent;\nand (b) you have not committed, participated in or conspired to commit any\nfraudulent act or scheme involving the use of your Visa\xc2\xae credit card account.\nLimited Liability: For transactions on other networks or ATM transactions,\nyou may be liable for unauthorized transactions using your Card, Convenience\nChecks or other Access Devices that occur before we are notified. However,\nyour liability for unauthorized use on networks other than Visa\xc2\xae will not exceed\n$50.00. In any case, you will not be liable for any unauthorized use after\nnotifying us of the loss, theft or unauthorized use of your Card, Convenience\nChecks or other Access Devices.\n25. Closing or Suspending Your Account. Any individual cardholder without\nthe consent of other cardholders may close your Account at any time by\nnotifying us in writing or verbally as indicated in this Agreement. We may\nclose your Account or suspend your Card privileges or Convenience Checks at\nany time without prior notice. We may also reissue a different Card or different\nchecks at any time. You must return the Card or the Convenience Checks to\nus upon request. You agree that the Card and all Convenience Checks remain\nthe property of us. Each Card we issue will have an expiration date. Upon\nexpiration of your Card, your Account will automatically terminate; or we, in\nour sole discretion, may extend your Agreement and issue a new Card with a\nnew expiration date. If your Account is closed, expires, or your credit privileges\nare terminated or suspended, you will remain responsible for paying all amounts\nyou owe us according to the terms of this Agreement and any amendments or\nchange in terms. Without limiting the foregoing, we have the right to terminate\nyour line of credit and to demand the return of all Cards, Convenience Checks\nand other access devices if we, in our sole discretion, feel that it is insecure\nfor any reason whatsoever, including (but not limited to) mismanagement of\nyour Account, failing to safeguard any access device, creation of any credit\nbalances by you that may increase the risk of loss or exposure of us or failing\nto cooperate with us or others with regard to any claim of unauthorized use or\nany other defense to payment under applicable law.\n26. Credit Information. You authorize us to investigate your credit standing\nwhen opening or reviewing your Account. In assessing any increase to your\ncredit line under the provisions in this section, we may, and you authorize us\nto, review your credit history, including consumer credit reports. You authorize\nus to disclose information regarding your Account to credit bureaus and\ncreditors who inquire about your credit standing. If you think we have reported\ninformation to a credit reporting agency that is not correct, you may write to\nus using the Member Services address listed on your billing statement. Please\ninclude your name, address, Account number, telephone number, and a brief\ndescription of the problem and a copy of the credit reporting agency report if\nyou have it. We will investigate the matter. If our investigation shows that you\nare right, we will contact each credit reporting agency to which we reported\n\nthe information and will request they correct the report. If we disagree with you\nafter our investigation, we will tell you in writing or by telephone.\n27. Communications/Change of Information. We can provide cards, billing\nstatements and other communications to you at any mailing address or email address\nshown in our records. If you change your contact information such as any mailing\naddress, telephone number or email address, you must notify us immediately in\nwriting at the address shown on your billing statement. We may obtain mailing\naddress and email address information from you or third parties, and we may\naccept mailing address corrections from the United States Postal Service. If more\nthan one person is responsible for this Account, we can provide billing statements\nand communications to any of you. Notice to one of you will be considered notice\nto all of you. You all will remain obligated on the Account. You agree to pay any\nfee(s) for incoming communications from us, and/or outgoing communications\nto us, without reimbursement from us. You authorize us, or anyone acting on our\nbehalf, to call, email, or send a text message using information you provide or to\nany number where we reasonably believe we can contact you. These include calls\nto mobile, cellular, or similar devices, and calls using automatic telephone dialing\nsystems and/or prerecorded messages. We may also send an email to any address\nwhere we reasonably believe we can contact you. Some of the legal purposes for\ncalls and messages include: suspected fraud or identity theft; obtaining information;\ntransactions on or servicing of your Account.\n28. Telephone Monitoring and Recording. We and our agents may listen to and\nrecord your telephone calls with us. You agree that we and our agents may do so,\nwhether you or we initiate the telephone call.\n29. Agreement. This Agreement is the contract that applies to all transactions\non your Account, even though the Purchases, Cash Advances, credits or other\nslips you sign or receive may contain different terms. You agree to all the terms\nand fees contained in the \xe2\x80\x9cCredit Disclosure.\xe2\x80\x9d We have the right to change the\nterms of the Agreement for any reason, and in any respect, by adding, deleting or\nmodifying any provision, including APRs, fees, the Minimum Payment and other\nterms. We can add a new provision without regard to whether the provision deals\nwith a matter already addressed by this Agreement. In certain circumstances, we\nare required by law to notify you of changes to the terms of this Agreement, and\nin other circumstances we may not be required to do so. When required by law\nto advise you that you have a legal right to reject any changes we make, we will\nprovide an explanation about how to do that. In some circumstances, APRs or other\naspects of your Account may change even though the terms of the Account do not\nchange, for example when the Prime Rate changes or a promotional period ends.\n30. Assignment. We may assign your Account, any amounts you owe us, or any\nof our rights and obligations under this Agreement to a third party. The assignee\nwill be entitled to any of our rights that we assign to that person.\n31. No Waiver. The Credit Union can delay enforcing any of its rights any number\nof times without losing them.\t\t\t\n32. Additional Benefits/Card Enhancements. The Credit Union may from time\nto time offer additional services to your Account, such as travel accident insurance,\npurchase rewards or rebates at no additional cost to you. You understand that\nthe Credit Union is not obligated to continue or to offer such services and may\nwithdraw or change them at any time. If these benefits are withdrawn prior to\nany accrued use by you, the Credit Union will have no obligation to provide the\nbenefit or enhancement, or any other compensation or consideration.\t\t\n33. Personal Identification Number (PIN). We will furnish you with a Personal\nIdentification Number (PIN) upon activation or at your request. You agree to keep\nthe PIN confidential. You also agree you won\xe2\x80\x99t write the PIN on the Visa\xc2\xae credit\ncard or anything you keep with the Visa\xc2\xae credit card. You agree that your use of\nthe PIN and Visa\xc2\xae credit card in getting a Cash Advance constitutes your signature\nfor purposes of such a transaction.\n34. Governing Law. The terms and enforcement of the Agreement and your\nAccount shall be governed and interpreted in accordance with federal law, and to\nthe extent state law applies without regard to conflict-of-law principles.\n35. For Information. Please call the Member Services telephone number on\nyour card or billing statement if you have any questions about your Account or\nthis Agreement.\n\nCREDIT CARD\nAGREEMENT AND DISCLOSURE\n\nYOUR BILLING RIGHTS\nKEEP THIS NOTICE FOR FUTURE USE\nThis notice contains important information about your rights and our\nresponsibilities under the Fair Credit Billing Act.\t\t\t\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\ntransaction on your bill, write us on a separate sheet at the address listed on\nyour bill. Write us as soon as possible. We must hear from you no later than\nsixty (60) days after we send you the first bill on which the error or problem\nappeared. You can telephone us, but doing so will not preserve your rights. In\nyour letter, give us the following information:\t\t\t\t\n\xe2\x80\xa2 Your name and Account number.\n\xe2\x80\xa2 The dollar amount of the suspected error.\n\xe2\x80\xa2 Describe the error and explain, if you can, why you believe there is an error.\nIf you need more information, describe the item you are not sure about.\nIf you have authorized us to pay your credit card bill automatically from\nyour savings or share draft account, you can stop the payment on any amount\nyou think is wrong. To stop the payment, your letter must reach us three (3)\nbusiness days before the automatic payment is scheduled to occur.\nYour Rights and Our Responsibilities After We Receive Your Written Notice\nWe must acknowledge your letter within thirty (30) days, unless we have\ncorrected the error by then. Within ninety (90) days, we must either correct\nthe error or explain why we believe the bill was correct. After we receive\nyour letter, we cannot try to collect any amount you question, or report you as\ndelinquent. We can continue to bill you for the amount you question, including\nFinance Charges, and we can apply any unpaid amount against your credit limit.\nYou do not have to pay any questioned amount; you will have to make up any\nmissed payments on the questioned amount. In either case, we will send you a\nstatement of the amount you owe and the date that it is due. If you fail to pay\nthe amount that we think you owe, we may report you as delinquent. However,\nif 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\nyou have a question about your bill. We must tell you the name of anyone we\nreported you to. We tell anyone we report to that the matter has been settled\nbetween us when resolved. If we don\xe2\x80\x99t follow these rules, we can\xe2\x80\x99t collect the first\n$50.00 of the questioned amount, even if your bill was correct.\t\t\nSpecial Rule for Credit Card Purchases. If you have a problem with the quality\nof property or services that you purchased with your Card, and you have tried\nin good faith to correct the problem with the merchant, you may have the right\nnot to pay the remaining amount due on the property or services. There are two\n(2) limitations on this right: (a) You must have made the Purchase in your home\nstate, or if not within your home state, within 100 miles of your current mailing\naddress; or (b) The purchase price must have been more than $50.00. These\nlimitations do not apply if we own or operate the merchant, or if we mailed you\nthe advertisement for the property or services.\n\n06/16\n\nNDGCPDIS\n\nIn this Agreement the words you and your mean each and all of those who receive\nthis Agreement. Card means a Visa\xc2\xae credit card and any duplicates and renewals the\nCredit Union issues. Account means your Visa\xc2\xae credit card limit or credit account\nwith the Credit Union. We (Us) means the Credit Union whose name appears on\nthe application, agreement, credit card, or monthly billing statement. In addition\nto this Agreement you agree that your Account will also be subject to all rules and\nregulations of Visa\xc2\xae as applicable, which are incorporated herein by reference. If\nthere is any conflict between this Agreement and the rules and regulations of Visa\xc2\xae\nthe rules and regulations of Visa\xc2\xae will control, as applicable.\n\nCONSENSUAL SECURITY INTEREST: You grant us a\nsecurity interest in all individual and joint share and/or deposit\naccounts you have with us now and in the future to secure your\ncredit card account. Shares and deposits in an IRA or any other\naccount that would lose special tax treatment under state or\nfederal law if given as security, are not subject to the security\ninterest you have given in your shares and deposits. You may\nwithdraw these other shares unless you are in default. When\nyou are in default, you authorize us to apply the balance in\nthese accounts to any amounts due. For example, if you have\nan unpaid credit card balance, you agree we may use funds in\nyour account(s) to pay any or all of the unpaid balance. You\nacknowledge and agree that your pledge does not apply during\nany periods where you are a covered borrower under the Military\nLending Act.\n1. Using this Card. You must sign the Card in order to use it. Your Account is\nto be used only for personal, family, or household purposes. You may use the\nCard issued to you to make Purchases in person, over the Internet, and by mail\nor telephone from merchants and others who accept Visa\xc2\xae credit cards and Cash\nAdvances, which includes the use of a Personal Identification Number (PIN) at an\nAutomated Teller Machine (ATM). Certain Purchases and Cash Advances require\nauthorization prior to completion of the transaction. In some cases, you may be\nasked to provide identification. If our system is not working, we may not be able\nto authorize a transaction, even though you have sufficient credit available. Also,\nfor security reasons, we may block the use of your Card in certain countries or\ngeographic areas. We will have no liability to you or others if any of these events\noccur. We are not responsible for any losses if a transaction on your Account is\ndeclined for any reason, either by us or a third party. We reserve the right to refuse\nto honor any request for credit, to reduce your Credit Limit or terminate your\nAccount at any time using our sole discretion, based on changes in the economy,\nthe Credit Union\xe2\x80\x99s financial condition, your creditworthiness or for any other\nreason not prohibited by law.\n2. Authorized Users. You agree to pay all charges (Purchases and Cash Advances)\nmade by you or anyone who you authorize to use your Account. If you let anyone\nuse your Account, that person is an authorized user. You are responsible for all\nuse of your Account including charges by authorized users. You must tell us if\nyou want to stop an authorized user from using your Account. If you do, we may\nclose the Account and issue a new Card(s) with a different Account number. It is\nyour responsibility to get any Cards, checks or any other means of access to your\nAccount from the authorized user and destroy them or return them to us upon\nrequest. Your obligation to pay the amount owed on your Account continues until\npaid in full even though an agreement, divorce decree or other court judgment to\nwhich we are not a party may direct someone else to pay the Account balance. If\nmore than one person signs the application, each is individually responsible for\nall amounts owed on the Account and all are jointly responsible for all amounts\nowed. This means we can enforce this Agreement against any of you individually\nor all of you together. \t\t\n3. Billing Statements. Your Account will have time periods called "billing cycles".\nEach billing cycle is about one month in length. We will provide you a billing\nstatement each month one is required by applicable law. Your billing statement\nwill show an itemized list of current charges posted to your Account, your new\nbalance, any Finance Charges, the minimum payment due, and the payment due\ndate. In addition, it will show your current credit line, payments, and credits, a\n\n\x0csummary showing your Purchases and Cash Advances, the merchant, electronic\nterminal or financial institution at which transactions were made, as well as other\ninformation concerning your Account.\n4. E-Statements. If provided electronically, statements will be: (a) e-mailed to you\nas an attachment; or (b) you will be sent a notice via e-mail that will direct you to\na site we maintain or cause to be maintained where you may access, review, print\nand otherwise copy/download your periodic statements using procedures that we\nauthorize. E-mails from us will be sent to the e-mail address provided by you.\nStatements and notices will be mailed to you at the most recent address you have\ngiven the Credit Union. Notices sent to any one of you will be considered notice\nto all.\n5. Finance Charges. The term Finance Charge refers to the interest based on the\napplication of a periodic rate. Separate Finance Charges for Purchases and Cash\nAdvances are determined by multiplying the monthly periodic rate by the separate\n"average daily balances" for Purchases and Cash Advances. Each "average daily\nbalance" is determined by taking the beginning balance (of Purchases or Cash\nAdvances) of your Account each day, adding any new Purchases or Cash Advances\n(whichever is applicable) and subtracting any payments or credits. The results are\nthe daily balances. We treat any net credit balance as a zero balance. This gives\nus the daily balance for each transaction type each day in the billing cycle. The\ntotal periodic interest charges for the billing cycle are the sum of the daily periodic\ninterest charges for each transaction type for each day during that billing cycle.\nAll the daily balances for the billing cycle are added and the total is divided by\nthe number of days in the billing cycle to arrive at the "average daily balance"\nfor the cycle. Cash Advances are always subject to Finance Charge from the date\nthey are posted to your Account. If any periodic interest charge is due, we may\ncharge you at least the minimum interest charge, plus any other finance charges\n(for example, transaction fees). If a grace period applies:\n(a) Purchases. A Finance Charge will be imposed on Purchases posted during\na Billing Cycle when the Previous Balance is not paid in full within the first\ntwenty-five (25) days of the billing cycle. A Finance Charge will also be imposed\non Purchases included in the New Balance when the New Balance is not paid in\nfull within twenty-five (25) days after the billing cycle Closing Date.\n(b) Cash Advances. A Finance Charge will be imposed on Cash Advances from\nthe date of the transaction to the date paid. The Finance Charge accrued on Cash\nAdvances between the Closing Date of the billing cycle and the date your Account\nis credited will appear on your next statement. There is no time period within which\nto pay to avoid a Finance Charge.\n6. Credit Line. We also call this a \xe2\x80\x9ccredit limit\xe2\x80\x9d. We will assign a credit line to your\nAccount. Your billing statement will show the amount of your credit line as of the\ndate of the statement. If your Account goes overlimit, you must repay the overlimit\namount when it is billed on your monthly billing statement, or sooner if we ask\nyou to. We may, but are not obligated to, allow your Account to go over its credit\nline. We may change or cancel your credit line without telling you ahead of time.\nIf we do, it will not excuse you from your obligation to pay us. We may restrict the\nextent to which your credit line can be used for different types of transactions (for\nexample, Purchases, Balance Transfers, and/or Cash Advances) such as by limiting\nthe dollar amount, uses per day, or time period available for any such transaction,\nand we may completely prohibit use of your credit line for particular types of\ntransactions. Any increase in your credit line requested by you may require you\nto make a new application for our approval. In assessing your credit line under the\nprovisions in this Section (either at our discretion or upon request): (a) we may, and\nyou authorize us to, review your credit history, including consumer credit reports;\n(b) you authorize us to have this review made by third parties to determine whether\nyou meet the criteria we have set for such an increase; and (c) this process shall\nnot be pre-screening in the Fair Credit Reporting Act or other applicable laws or\nregulations based on our existing relationship and this Agreement.\n7. Balance Transfers. In our discretion, we may allow you to transfer balances from\nother accounts or loans from other credit card companies, other lenders or other\nbalance transfers we may allow, using balance transfer checks we may provide, or\nby calling us to make the transfer on your behalf. Those uses are "balance transfers".\nYou are not authorized to transfer balances to this Account from other accounts or\nloans with us. If you request a balance transfer, but do not have enough available\ncredit, we may transfer only a part of the requested amount.\n8. Money Transfer Services. If you receive any transmittal amount from any\nMoney Transfer Service (MTS) provider you agree not to receive more than\n$2,500 per day or more than $10,000 per month. We may increase or decrease\n\nthese limits from time to time in our sole discretion. We reserve the right to\naccept or reject any MTS request in our sole discretion. Each transmittal amount\nthat is sent to your Card will generally be posted to your Card within two (2)\nbusiness days after we receive the transmittal amount from the Sender.\n9. Types of Checks. In our discretion, we may issue you Balance Transfer checks\nor Cash Advance checks. We may also call them \xe2\x80\x9cconvenience checks\xe2\x80\x9d. The check\nmust be signed by the person whose name is printed on it. When we receive a\nconvenience check for payment, we may review your Account to decide whether\nto pay that check. We have the right not to pay a check for any reason, including\n(but not limited to) the following examples: (a) we are the payee on the check; (b)\nthe check is post-dated (if a post-dated check is paid, resulting in another check\nbeing returned or not paid, we are not responsible); (c) you have used the check\nafter the date specified on it; or (d) you are in default (including exceeding your\ncredit line) or would be if we paid the check.\n10. Promotions. We may make special offers for you to use your Account. If we\ndo, we will tell you how those offers will work and how long they will last. Any\nspecial offer is subject to the terms of this Agreement, unless we explain otherwise\nin the offer.\t\t\t\t\n11. Additional Grace Period for Purchases. In addition to your existing Grace\nPeriod, we are adding a provision that provides for an additional interest-free period\nfor portions of your Purchase balance, based on timely payments in a billing cycle\nin which you transition from having paid in full in the previous billing cycle to\na billing cycle in which you do not pay in full. Those portions of your Purchase\nbalance eligible for this Grace Period will be excluded from the balance subject\nto Finance Charge.\t\t\n12. Monthly Payment. Each month you must pay at least the minimum payment\ndue on your billing statement by the due date specified. If you make extra payments\nor larger payments, you are still required to make at least the minimum payment\neach month your Account has a balance. In addition, at any time your Total New\nBalance exceeds your credit line, you must immediately pay the amount over\nyour credit line. We may increase the minimum payment due on promotional and/\nor protected balances. The minimum payment due on these balances will not be\ngreater than double the standard minimum payment percentage as indicated on\nthe credit disclosure. The minimum payments for these balances will be calculated\nseparately and added to the standard minimum payment calculation.\n13. Payment Instructions. You agree to pay us amounts you owe in U.S. dollars.\nYou must use a check, money order or electronic debit drawn on a U.S. bank or a\nforeign bank branch in the U.S. We will not accept cash payments through the mail.\nWhen we receive or apply a payment, we might not restore your available credit\nby that amount for up to five (5) days. For mailed payments, your billing statement\nand the envelope it comes in gives you instructions about how, when and where\nto make your payments. You must follow these instructions. Your payments will\nnot be credited to your Account before we receive it at the address we specify for\nreceipt of payments and in accordance with the payment instructions. If you make\na payment marked as paid in full or indicate that it is to pay all amounts you owe\nus, we may accept this payment and not agree that it pays all amounts you owe\non your Account. Also, we may return this payment to you and you will still owe\nus the amount of the payment or any other amounts owed on your Account. You\nauthorize us to collect any payment check either electronically or by draft. Funds\nmay be taken from your financial institution account on the same day we receive\nyour payment. We will keep an electronic copy of your check and securely destroy\nthe original check. We may allow you to make payments electronically through\nour Online Banking web site or with our Member Service Representatives, or by\nusing our Autopay feature. We will provide the terms for these payment services\nbefore you use them.\n14. Payment Allocation. Unless applicable laws specifically require otherwise, we\ncredit payments as of the date received, if the payment is: (a) delivered by 5 p.m.\nEastern Time (ET) at the address shown on the remittance slip on the front of your\nmonthly statement; (b) paid with a check drawn in U.S. dollars on a U.S. financial\ninstitution or a U.S. dollar money order; (c) sent in the return envelope with only\nthe remittance portion of your statement accompanying it; (d) made by electronic\nmeans through our Online Banking web site by 6 p.m. ET; or (e) made in person\nat a branch location by branch closing or 5 p.m. local time. Payments received\nafter 5 p.m. on any day including the Payment Due Date, but that otherwise meet\nthe above requirements, will be credited as of the next day. Credit for any other\npayments may be delayed. Payment amounts in excess of your Total Minimum\nPayment Due will be applied to balances with higher Annual Percentage Rates\n\n(APRs) before balances with lower APRs. Your Payment Due Date will be at least\n25 days from your statement Closing Date. We will not charge you any interest on\nPurchases if you pay your entire balance by the due date each month.\n15. Skip Payment Option. In our discretion, we may offer you the opportunity\nto not make (\xe2\x80\x9cSkip\xe2\x80\x9d) a minimum payment during certain designated billing\ncycles (\xe2\x80\x9cSkip Payment Period\xe2\x80\x9d). If you do not make your minimum payment as\nprovided in this Agreement, during such designated billing cycle, you understand\nthat we will continue to apply Finance Charges to your Account. Beginning with\nthe billing cycle following an allowed Skip Payment Period, all other provisions\nof this Agreement will apply. We have no obligation to accept your application\nfor any Skip Payment Period offered, and you authorize us to investigate your\ncreditworthiness including obtaining consumer credit reports. We may charge you\na skip pay fee for each Skip Payment Period that we may offer to cover our cost\nof investigating your qualifications for this extension, including (but not limited\nto) the costs associated with researching your creditworthiness. The payoff table\non your monthly statement for the skip payment month may reflect a negative\namortization. \t\t\n16. General Terms Governing Your Payments. To protect you and us, the Credit\nUnion, in its sole discretion, may place a temporary freeze on all or part of the credit\navailable to you for new Purchases or Cash Advances, under this Agreement any\ntime the Credit Union receives a large payment. In such cases, the Credit Union\nmay freeze your credit limit until payment is actually collected by the Credit Union.\n17. Automatic Charges. You may allow others to automatically charge repeat\ntransactions to your Account. You will be responsible for making new arrangements\nto make those payments if they are stopped for any reasons, such as: your Account\nis closed or suspended, or your Account number changes.\n18. Default. Your Account may be in default if any of the following applies: (a)\nwe do not receive at least the Minimum Payment by the date and time due as\nshown on your billing statement; (b) you exceed your credit line; (c) you fail to\ncomply with the terms of this Agreement or any other agreement with us or one\nof our related companies; (d) we obtain information that causes us to believe that\nyou may be unwilling or unable to pay your debts to us or to others on time; (e)\nyou file for bankruptcy; or (f) you become incapacitated or die. If your Account\nis in default, we may close your Account without notice and require you to pay\nyour unpaid balance immediately. To the extent permitted by law, if any legal\naction is required to enforce any provision of the Disclosure and Agreement or\nto recover money owed by you, you agree to pay all costs, including collection\ncosts, attorney\xe2\x80\x99s fees, court costs, and any other charges incurred while enforcing\nour rights under this Agreement.\n19. Variable Rates. If you have an APR that varies with changes to the Prime Rate,\nwe calculate the APR by adding a margin to the highest U.S. Prime Rate published\nin the "Money Rates" section of The Wall Street Journal. A "business day" is any\nday that is not a weekend or federal holiday. The APR will change if the Prime\nRate changes. If the APR increases, you will pay a higher interest charge and may\npay a higher Minimum Payment. The Prime Rate is simply a pricing index and is\nnot the lowest interest rate available. If The Wall Street Journal stops publishing\nthe Prime Rate, we will select a similar reference rate at our discretion.\n20. Fees and Charges. Fees and charges that will be added are as shown in the\n\xe2\x80\x9cCredit Disclosure\xe2\x80\x9d.\n(a) Annual Membership Fee. If your Account has an annual fee or similar charge,\nit will be billed each year or in installments whether or not you use your Account,\nand you agree to pay it when billed. The annual fee is non-refundable unless you\nnotify us that you wish to close your Account within 30 days of our providing\nthe statement on which the annual fee is billed, and at the same time, you pay\nyour outstanding balance in full. Your payment of the annual fee does not affect\nour rights to close your Account and to limit your right to make transactions on\nyour Account. If your Account is closed by you or us, we will continue to charge\nthe annual fee until you pay your outstanding balance in full and terminate your\nAccount relationship.\n(b) Transactions in a Foreign Currency and \xe2\x80\x9cCross-Border\xe2\x80\x99 Transactions.\nCurrency Conversion Fee: If you effect or authorize a transaction with your card\nin a currency other then U.S. Dollars, Visa\xc2\xae will convert the charge into a U.S.\nDollar amount. The Visa\xc2\xae currency conversion procedure includes use of either a\ngovernment-mandated exchange rate, or a wholesale exchange rate, as applicable.\nThe exchange rate Visa\xc2\xae uses will be a rate in effect on the day the transaction is\nprocessed. This rate may differ from the rate in effect on the date of the purchase\nor the date the transaction was posted to your account. A Currency Conversion\n\nFee will be applied to transactions that are converted from foreign currencies to\nU.S. Dollars. The Currency Conversion Fee, if it applies to the transaction, will\nbe shown on your statement.\nCross-Border Transaction Fee: In addition, Visa\xc2\xae charges us a Cross-Border\nAssessment on each transaction on all Cross-Border transactions regardless of\nwhether there is a currency conversion. For purposes of this section, \xe2\x80\x9cCross-Border\nTransaction\xe2\x80\x9d shall include both (a) transactions initiated in a foreign country which\nare subsequently settled in the United States, and (b) transactions initiated in the\nUnited States, but which are ultimately settled in a county outside of the United\nStates. We will assess these fees to you to reimburse us for the fee we are required\nto pay for each of your transactions subject to these terms. The Cross-Border\ntransaction fee will be shown on your statement.\n(c) Late Fee. We may charge a late fee if we do not receive at least the required\nMinimum Payment for any billing cycle by the date and time it is due. If the amount\nof the late fee is based on a balance, we will use the total Account balance at the\nend of the day that the late fee is charged to calculate the fee. This date may be as\nearly as the due date for the late payment.\n(d) Minimum Interest Charge. We may charge no less than the minimum interest\ncharge if any periodic interest charge is due for a billing cycle.\n(e) Overlimit Fee. If you agree to allow us to charge overlimit fees, we may charge\nsuch a fee to the extent allowed by law when your Account goes overlimit. We\nmay charge this fee even though your balance is over the credit line because of a\ntransaction we allowed. You have the right to withdraw your consent to our charging\nthe overlimit fee at any time. If you do so, we will stop charging you the fee.\n(f) Return Payment Fee. We may charge a return payment fee if your financial\ninstitution does not honor the payment you made to pay amounts you owe under this\nAgreement, if we stop payment on a cash advance check or balance transfer check\nat your request or we refuse to pay a cash advance check or balance transfer check.\n(g) Additional/Replacement Card Fee. We may charge a fee if you request two\nor more cards or any special services (for example, obtaining cards on an expedited\nbasis). Service fees may change from time to time. We will inform you of the fee\nin effect prior to when the applicable service is provided.\n(h) Transaction Fees for Balance Transfers and Cash Advances. We may charge\nyou transaction fees for Balance Transfers and Cash Advances. These transactions\nfees are Finance Charges and are added to the balance for the applicable category\nof Balance Transfers or Cash Advances as of the date of that transactions.\n(i) Copies of Documents. We may charge a fee if you request a copy of a billing\nstatement, sales draft or other record of your Account. However, we will not charge\nfees for copies of documents requested for a billing dispute..\n21. Illegal Transactions. You warrant and agree that your Credit Card, other\naccess device or any related account will not be used to make or facilitate any\nillegal transaction(s) as determined by applicable law, and that any such use,\nincluding any such authorized use, will constitute an event of default under this\nAgreement. Certain federal and/or state laws or Visa\xc2\xae Association Rules may limit\nor prohibit certain transactions such as (but not limited to) those coded as possible\ngambling transactions. We may decline to accept, process or pay any transaction\nthat we believe to be illegal or unenforceable (regarding your obligation to pay us\nor otherwise) under applicable law, or which is otherwise limited or prohibited,\nincluding (but not limited to) any transaction involving or relating to any gambling\nactivity. Such limitations or prohibitions may affect some otherwise proper or\nallowable transactions such as charges incurred at a hotel-casino. You understand\nand agree such limitations/prohibitions are not within our control and that we will\nnot have any liability, responsibility or culpability whatsoever for any such use by\nyou or any authorized user(s), or for declining to accept, process, or pay any such\ntransaction. You further agree to indemnify and hold us harmless from any suits,\nliability, damages or adverse action of any kind that results directly or indirectly\nfrom any such use of your Account and/or access devices.\n22. Returns and Adjustments. Merchants and others who honor the Card may\ngive credit for returns or adjustments, and they will do so by sending us a credit\nwhich will be posted to your Account. If your credits and payments exceed what you\nowe us, the amount will be applied against future Purchases and Cash Advances.\nA credit balance does not increase your available credit. If the amount is $1.00 or\nmore, it will be refunded upon your request or automatically no later than six (6)\nmonths after the posting date.\t\t\t\n23. Merchant Disputes. We are not responsible for the refusal of any merchant\nor financial institution to honor the Card. The Credit Union is subject to claims\nand defenses (other than tort claims) arising out of goods or services you Purchase\n\n\x0c'


b'8/2/2016\n\nCredit Card Rates | Notre Dame FCU\n\n(/)\n\n\xef\x83\x89\n\nHome (/) / Rates (/rates)\n\nCredit Card Rates\nRates e\xe2\x80\xab\xe2\x80\x8f\xe2\x80\xacective as of August 02, 2016\n\nInterest Rates and Interest Charges\n\nAnnual Percentage Rate (APR)\nfor Purchases\n\nIrish Select Secured (/your-\n\nIrish Select (/your-loans/credit-\n\nIrish Rewards (/your-loans/credit-cards><span style=)\n\nstyle=)\n\n9.90%,12.90%\nor 13.90%\n\n15.90%\n\n15.90%\n\nbased on a Prime Rate.1\n\nbased on a Prime Rate.1\n\n15.90%\n\n15.90%\n\nmonths. After that, your APR will be\n\nThis APR will vary with the market\n\nThis APR will vary with the market\n\n9.90%,12.90% or 13.90% based on your\n\nbased on a Prime Rate.1\n\nbased on a Prime Rate.1\n\ncreditworthiness. This APR will vary with the\n\nThis APR will vary with the market\n\nThis APR will vary with the market\n\ndepending\n\non your creditworthiness. This APR will vary\nwith the market based on the Prime Rate.1\n\n0% introductory APR for the \xe3\x88\x80\xe3\xa8\x80rst twelve (12)\nAPR for Balance Transfers from\nanother \xe3\x88\x80\xe3\xa8\x80nancial institution\n\nmarket based on the Prime Rate.1\n9.90%,12.90% or 13.90% depending on your\nAPR for Cash Advances\n\n17.90%\n\n17.90%\n\ncreditworthiness. This APR will vary with the\nmarket based on the Prime Rate.2\n\nYour due date is at least 25 days after the close of each billing cycle. We will not charge you interest on new purchases,\nPaying Interest\n\nprovided you have paid your previous balance in full by the due date each month. We will begin charging interest on cash\nadvances on the transaction date.\n\nFor Credit Card Tips from the\n\nTo learn more about factors to consider when applying for or using a credit card, visit the website of the\n\nConsumer Financial Protection\n\nConsumer Financial Protection Bureau at http://www.consumer\xe3\x88\x80\xe3\xa8\x80nance.gov/learnmore\n\nBureau\n\n(http://www.consumer\xe3\x88\x80\xe3\xa8\x80nance.gov/learnmore).\n\nFee Information\nTransaction Fees\nBalance Transfer\nCash Advance\nForeign Currency Transaction\nFee\n\n4% of the amount of each transfer\n\n4% of the amount of each transfer\n\n3% of the amount of each transfer\n\n4% of the amount of each transfer\n\n4% of the amount of each transfer\n\n3% of the amount of each advance\n\n4% of each transaction, in U.S. dollars\n\n4% of each transaction, in U.S. dollars\n\n2% of each transaction, in U.S. dollars\n\nUp to $25.00\n\nUp to $25.00\n\nUp to $25.00\n\nUp to $32.002\n\nUp to $32.002\n\nUp to $32.003\n\nPenalty Fees\nLate Payment\nReturned Payment\n\nMore Information\nVisa\nExclusive\nBene\xe3\x88\x80\xe3\xa8\x80ts\n\nClick here (/sites/default/\xe3\x88\x80\xe3\xa8\x80les/NDGCCGTB%20-\n\nClick here (/sites/default/\xe3\x88\x80\xe3\xa8\x80les/NDGCCGTB%20-\n\nClick here (/sites/default/\xe3\x88\x80\xe3\xa8\x80les/ND\n\n%20Guide%20to%20Bene\xe3\x88\x80\xe3\xa8\x80ts%20-%20CLASSIC.pdf)\n\n%20Guide%20to%20Bene\xe3\x88\x80\xe3\xa8\x80ts%20-%20CLASSIC.pdf)\n\n%20Guide%20to%20Bene\xe3\x88\x80\xe3\xa8\x80ts%20\n\nApply Now >\n\nApplication\n\n(https://na2.docusign.net/member/PowerFormSigning.aspx?\n\nhttps://www.notredamefcu.com/rates/creditcard\n\nApply Now >\n\n(https://na2.docusign.net/member/PowerFormSigning.aspx?\n\nApply Now >\n\n(https://na2.docusign.net/membe\n\n1/3\n\n\x0c8/2/2016\n\nCredit Card Rates | Notre Dame FCU\nPowerFormId=940b0cb2-0bd0-41fb-8c14-0b1c3e7f8ad5)\n\nPowerFormId=940b0cb2-0bd0-41fb-8c14-0b1c3e7f8ad5)\n\nPowerFormId=92bae20f-b801-44\n\nIrish Select Secured & Irish Select\nPrime Rate: Variable APRs are based on the 3.50% Prime Rate as of 5/31/2016.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account agreement under Finance\nCharge for more details.\n1We\n2The\n\nadd 12.40% to the current Prime Rate to determine the Purchase APR or Balance Transfer APR. Maximum APR is 18.00%.\nreturned payment fee will be up to $27.00 for the \xe3\x88\x80\xe3\xa8\x80rst violation and then up to $32.00 for the second returned payment in the next six months.\n\nBoth a Guide to Bene\xe3\x88\x80\xe3\xa8\x80ts and a Credit Card Agreement & Disclosure will arrive with your new card.\nMinimum Payment: The minimum monthly payment is 1.5% of your total new balance or the overlimit amount, whichever is greater, but no less than $25 plus\n\nIrish Rewards\nLoss of Introductory APR: We may end your Introductory APR and apply the applicable Balance Transfer APR, depending on your creditworthiness, if you\nmake a late payment.\nPrime Rate: Variable APRs are based on the 3.50% Prime Rate as of 5/31/2016.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d See your account agreement under Finance\nCharge for more details.\n1We\n\nadd 6.40%, 9.40% or 10.40% based upon your creditworthiness to the current Prime Rate to determine the Purchase APR or Balance Transfer APR.\nMaximum APR is 18.00%.\n2We\n\nadd 6.40%, 9.40% or 10.40% based upon your creditworthiness to the current Prime Rate to determine the Cash Advance APR. Maximum APR is 18.00%.\n\nGet In Touch\n\nAbout Notre Dame Federal Credit Union\nAbout Us (/about-us): We are a mission-based \xe3\x88\x80\xe3\xa8\x80nancial institution that shares the common beliefs of our members and is dedicated to solving problems through extraordinary member\nservice. We believe that through frank advice, \xe3\x88\x80\xe3\xa8\x80nancial workshops, and educational scholarships, we can provide the \xe3\x88\x80\xe3\xa8\x80nancial tools to empower their lives and the lives of their families.\n\nMore\nATMs & Branches (/locator)\nContact Us (/contact-us)\nGreenPath (https://www.greenpath.com/ndfcu)\nNews (/news)\nFAQ (http://help.notredamefcu.com)\nCareers (/about-us/careers)\n\nContact\n800/522-6611\nSe habla espa\xc3\xb1ol:\n844/323-4465\nndfcu@NotreDameFCU.com (mailto:ndfcu@NotreDameFCU.com)\n\nFollow Us\n\nPrivacy (/privacy-security-disclosures#privacy) | Security (/privacy-security-disclosures#security) | Disclosures (/privacy-security-disclosures#disclosures) | Rates\n(/rates)\n\xc2\xa9 Copyright 2015 by Notre Dame Federal Credit Union\n(http://www.cyveillance.com/siteseal/index.asp)\n\n(http://portal.hud.gov/hudportal/HUD)\n\n(http://www.ncua.gov/)\nFederally insured by NCUA\n\nAny links to outside websites are completely independent from Notre Dame Federal Credit Union. The privacy and security policies of Notre Dame Federal Credit Union do not apply to\noutside websites. Notre Dame Federal Credit Union is not responsible for and does not endorse the content, services, or products of any outside websites.\n\nhttps://www.notredamefcu.com/rates/creditcard\n\n2/3\n\n\x0c8/2/2016\n\nCredit Card Rates | Notre Dame FCU\nThis website is not a\xe3\x90\x80\xe3\x84\x80liated, sponsored by, or endorsed by the University of Notre Dame.\n\nhttps://www.notredamefcu.com/rates/creditcard\n\n3/3\n\n\x0c'