b'by submitting a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe us, the amount will be\napplied against future purchases and cash advances. If the credit balance amount is $1 or more, it will be refunded upon your written or\nverbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of\nany plan merchant or financial institution to honor your Card. Also,\nwe are not responsible for goods or services that you purchase with\nthe Card unless: (a) your purchase was made in response to an advertisement we sent or participated in sending you; or (b) your purchase cost more than $50 and was made from a plan merchant in\nyour state or within 100 miles of your home; and only if you have\nmade a good faith attempt, but have been unable to obtain satisfaction from the plan merchant. You must resolve all other disputes directly with the plan merchant. We do not warrant any merchandise or\nservices purchased by you with the Card.\n\nStatements and Notices. Statements and notices will be mailed to\nyou at the most recent postal address or e-mail address (if you have\nelected to receive such documents via electronic means) you have\ngiven us. Notice sent to any one of you will be considered notice to all.\n\nNotification of Address Change. You will notify us promptly if you\nchange your address for any reason. In order to prevent identity theft,\nyour identity may need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of\nthis Agreement.\n\nGoverning Law. This Agreement shall be construed under federal\nlaw 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 or MasterCard may also\napply. This Agreement is the contract that applies to all transactions\neven though the sales, cash advance, convenience check, credit or\nother slips you sign or receive may contain different terms.\n\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities\nunder 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\naddress(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\nbelieve is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call us,\nbut if you do, we are not required to investigate any potential errors\nand you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\n\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct\nthe error or explain to you why we believe the bill is correct.\n\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\nas delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we\nmay continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay\nthe amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the\ndate payment is due. We may then report you as delinquent if\nyou do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting\nthat 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\norganizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the\nfirst $50 of the amount you question even if your bill is 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\npurchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not\nto pay the remaining amount due on the purchase. To use this right,\nall of the following must be true:\n1. The purchase must have been made in your home state or\nwithin 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither\nof these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that\nsold you the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases 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\nthe purchase, contact us in writing at the address(es) listed on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount\nas discussed above. After we finish our investigation, we will tell you\nour decision. At that point, if we think you owe an amount and you\ndo not pay, we may report you as delinquent.\n\nFI13285 Rev 6-2010\n\nM-101812\n\n\xc2\xa92005 Securian Financial Group, Inc. All rights reserved.\n\nSoutheast Financial Credit Union\n\n444 James Robertson Parkway, P.O. Box 331788\nNashville, TN 37203\n(615) 743-3700 or (800) 521-9653\n\nVISA PLATINUM/MASTERCARD STANDARD CREDIT CARD\nAGREEMENT\n\nIn this Agreement, \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any person who accepts\nthis Agreement or uses the Card. The \xe2\x80\x9cCard\xe2\x80\x9d means any credit card\nissued to you or those designated by you under the terms of this\nAgreement. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and the \xe2\x80\x9cCredit Union\xe2\x80\x9d means Southeast Financial Credit Union or its successors.\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL\nSECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO\nSECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS\nAGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR\nSTATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL\nLAW. THE GRANTING OF THIS SECURITY INTEREST IS A\nCONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS\nAGREEMENT. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE. Shares and deposits in an Individual Retirement Account or any other account\nthat would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans may\nalso secure your obligations under this Agreement, unless that\nother collateral is your principal residence or non-purchase money\nhousehold goods.\n\nUsing Your Card. You can purchase or lease goods and services from\nany merchant who honors your Card, and you may obtain cash advances from financial institutions and ATM machines that accept the\nCard, up to your maximum credit limit. You agree not to present your\nCard or obtain a cash advance for any extension of credit in excess of\nyour available credit limit ; however, if you do exceed your credit limit,\nyou agree to make immediate payment sufficient to bring the balance\nbelow the credit limit. Certain purchases and cash advances require\nauthorization prior to completion of the transaction. In some cases, you\nmay be asked to provide identification. If our system is not working, we\nmay not be able to authorize a transaction, even though you have sufficient credit available. Also, for security reasons, we may block the use\nof your Card in certain countries or geographic areas. We will have no\nliability to you or others if any of these events occur.\n\nPersonal Identification Number (PIN). We may issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential and should not be disclosed to anyone. You may use your PIN\nand your Card to access your account, and all sums advanced will be\nadded to your account balance. In the event a use of your PIN constitutes an Electronic Funds Transfer, the terms and conditions of your\nElectronic Funds Transfer Agreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all pur-\n\n\x0cchases, cash advances, and balance transfers made by you or anyone whom you authorize to use the Card; (b) all Interest Charges and\nall other charges or fees; (c) collection costs and attorney\xca\xbcs fees as\npermitted by applicable law, and any costs incurred in the recovery of\nthe Card; and (d) credit in excess of your credit limit that we may extend to you.\n\nIllegal Transactions: You agree that your Card and account will not\nbe used to make or facilitate any illegal transactions as determined by\napplicable law; and that any such use will constitute an event of default under this Agreement. We may decline any transaction that we\nbelieve to be illegal under applicable law, including but not limited to\nany transaction involving or relating to any gambling activity. You\nagree that we will have no liability or responsibility for any such use\nby you or any authorized user(s); 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 to pay us any\nand all amounts owing on your Card for any transactions made by\nyou, even if the transaction is determined to be illegal.\nJoint Accounts. Each 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. If you allow anyone else to use your\naccount, you will be liable for all credit extended to such persons. You\npromise to pay for all purchases and advances made by anyone you\nauthorize to use your account, whether or not you notify us that he or\nshe will be using it. If someone else is authorized to use your account\nand you want to end that person\xca\xbcs privilege, you must notify us in writing, and if he or she has a Card, you must return that Card with your\nwritten notice for it to be effective.\n\nOwnership of Card. Your Card remains our property and may be\ncancelled by us at any time without notice. You agree to surrender\nyour Card and to discontinue use of the account immediately upon\nour request.\n\nInterest Charges. Average 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\ntake the beginning balance each day, add any new purchases, cash\nadvances, balance transfers or other advances, and subtract any\npayments, unpaid interest charges, and unpaid late charges. This\ngives us the daily balance. Then, we add up all the daily balances for\nthe billing cycle and divide that by the number of days in the billing\ncycle. We then multiply that by the periodic rate corresponding to the\nAnnual Percentage Rate on your account. If you have different rates\nfor purchases, cash advances or balance transfers, separate average daily balances for each will be calculated and the appropriate periodic rate is then applied to each.\n\nGrace Period on Purchases Only: You can avoid Interest Charges\non purchases by paying the full amount of the new balance for purchases each month by the date on which the payment is due. Otherwise, the new balance of your account, and subsequent advances\nfrom the date they are posted to the account, will be subject to an Interest Charge. You cannot avoid Interest Charges on cash advances;\neven if you pay the entire cash advance balance by the payment due\ndate, you will incur the Interest Charges accrued from the date the\ncash advance is posted to your account.\n\nFees. In addition to the Interest Charges set forth above, you agree\nto also pay any and all fees that you incur as disclosed to you on your\nTruth-in-Lending Statement or similar disclosures (as may be\namended from time to time), or as disclosed to you during the term of\nyour 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\nor if an unauthorized use may have occurred. \xe2\x80\x9cUnauthorized use\xe2\x80\x9d\nmeans the use of the Card by someone other than you who does not\nhave actual, implied or apparent authority for such use, and from\nwhich you receive no benefit. The telephone number to call is (800)\n449-7728. You agree to follow up your call with notice in writing to:\nP.O. Box 31112, Tampa, FL 33631-3112. You also agree to assist us\nin determining the facts, circumstances and other pertinent information relating to any loss, theft or possible unauthorized use of your\nCard and comply with such procedures as we may require in connection with our investigation. For Visa cards: You will be liable for\nany unauthorized use only if we can prove that you were grossly negligent in your use or handling of your Card, or if we can prove that\nyou used your Card fraudulently. For MasterCard: You will have zero\nliability for unauthorized MasterCard transactions, provided that: the\nloss of the theft or unauthorized use is reported within 24 hours of\ndiscovery; you use reasonable care in safeguarding the Card from\nrisk of loss or theft; you have not reported two or more incidents of\nunauthorized use to us in the preceding 12 month period; and the account is in good standing.\n\nMinimum Payment Due; Crediting of Payments. Payments are due\nin the amount and on the date disclosed on your billing statement. If\nyour payment is received by us on a business day at the address and\nby the time designated on the billing statement, it will be credited to\nyour account on 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\nwill be applied in any order we determine, subject to applicable law.\n\nDefault; Acceleration; Credit Suspension; Collection Costs. You\nwill be in default if: (1) you fail to make any payment on time; (2) if you\nfail to keep any promises you have made under this Agreement or\nunder other Agreements you have with us; (3) if you die; (4) if you file\na petition in bankruptcy or have a bankruptcy petition filed against\nyou, or if you become involved in any insolvency, receivership or custodial proceeding; (5) if anyone attempts to take any of your funds\nheld by us via legal process or if you have a judgment or tax lien filed\nagainst you; (6) if you make any false, inaccurate, or misleading statements in any credit application or credit update; or (7) if we, in good\nfaith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment\nof your full account balance without giving you notice. If immediate\npayment is demanded, you agree to continue paying interest charges\nand fees until what you owe has been paid, and any shares that were\ngiven as security for your account may be applied towards what you\nowe. You agree to pay all reasonable costs of collection, including\ncourt costs and attorney\xca\xbcs fees, and any costs incurred in the recovery of the Card, subject to applicable law. Even if your unpaid balance is less than your credit limit, you will have no credit available\nduring any time that any aspect of your account is in default.\nAdditional Benefits/Card Enhancements. We may from time to\ntime offer additional services to your Account at no additional cost to\n\nyou. You understand that we are not obligated to offer such services\nand may withdraw or change them at any time.\n\nConvenience Checks. We may, at our discretion, issue checks to\nyou which may be used for any purpose other than making a payment for credit to your account. By signing such check, you authorize us to pay the item for the amount indicated and post such amount\nas a cash advance to your account. We do not have to pay any item\nwhich would cause the outstanding balance in your account to exceed your credit limit.\n\nCredit Information. We 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\nprovide such information when requested by us may result in suspension of credit privileges under this Agreement, including your ability to obtain any future advances by any means. You authorize us to\ninvestigate your credit standing when opening or reviewing your account. You authorize us to disclose information regarding your account\nto credit bureau and creditors who inquire about your credit standing.\n\nForeign Transactions; Currency Conversion. Purchases and cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The conversion rate in dollars will be a rate selected by the card\ncompany from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate the card company itself receives, or the governmentmandated rate in effect for the applicable central processing date in\neach instance. All transactions processed outside of the United States\n(which may include internet transactions) will be charged a foreign\ntransaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\n\nTermination; Change-in-Terms. We may, by written notice, terminate this Agreement at any time, subject to applicable law. You may\nterminate this Agreement by written notice. Termination by either party\nshall not affect your obligation to repay any payments made for your\naccount resulting from use of the Card as well as Interest Charges\nand fees incurred. We may change the terms of this Agreement, including the method of calculating the periodic rate, at any time, by\nwritten notice, subject to applicable law. Use of the Card constitutes\nagreement and acceptance of any change in terms, unless applicable law requires otherwise. Our failure to exercise any of our rights or\nto 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. Any payment that delays the reduction of\nyour balance will increase your total interest costs. Partial payments\nor prepayments will not delay your next scheduled payment \xe2\x80\x93 you will\nstill need to make the minimum scheduled payment by the next\nscheduled due date to keep your account current. We may accept\nlate payments, partial payments, checks or money orders marked\n\xe2\x80\x9cpayment in full\xe2\x80\x9d and such action shall not constitute final settlement\nof your account or a waiver or forgiveness of any amounts owing\nunder this Agreement.\n\nEnforcement. We do not lose our rights under this or any related\nagreement if we delay enforcing them. If any provision of this or any\nrelated agreement is determined to be unenforceable or invalid, all\nother provisions remain in full force and effect.\nReturns and Adjustments. Merchants and others who honor the\nCard may give credit for returns or adjustments, and they will do so\n\n\x0c'


b'any plan merchant or financial institution to honor your Card. Also,\nwe are not responsible for goods or services that you purchase with\nthe Card unless: (a) your purchase was made in response to an advertisement we sent or participated in sending you; or (b) your purchase cost more than $50 and was made from a plan merchant in\nyour state or within 100 miles of your home; and only if you have\nmade a good faith attempt, but have been unable to obtain satisfaction from the plan merchant. You must resolve all other disputes directly with the plan merchant. We do not warrant any merchandise or\nservices purchased by you with the Card.\n\nStatements and Notices. Statements and notices will be mailed to\nyou at the most recent postal address or e-mail address (if you have\nelected to receive such documents via electronic means) you have\ngiven us. Notice sent to any one of you will be considered notice to all.\n\nNotification of Address Change. You will notify us promptly if you\nchange your address for any reason. In order to prevent identity theft,\nyour identity may need to be verified before we act upon the notification.\nCopy Received. You acknowledge that you have received a copy of\nthis Agreement.\n\nGoverning Law. This Agreement shall be construed under federal\nlaw 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 also apply. This\nAgreement is the contract that applies to all transactions even though\nthe sales, cash advance, convenience check, credit or other slips you\nsign or receive may contain different terms.\n\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\nas delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we\nmay continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\n\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay\nthe amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the\ndate payment is due. We may then report you as delinquent if\nyou do not pay the amount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you\nmust write to us within 10 days telling us that you still refuse to pay. If\nyou do so, we cannot report you as delinquent without also reporting\nthat 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\norganizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the\nfirst $50 of the amount you question even if your bill is correct.\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\naddress(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\nbelieve is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is\nscheduled, if you want to stop payment on the amount you\nthink is wrong.\nYou must notify us of any potential errors in writing. You may call us,\nbut if you do, we are not required to investigate any potential errors\nand you may have to pay the amount in question.\n\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have\npurchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the right not\nto pay the remaining amount due on the purchase. To use this right,\nall of the following must be true:\n1. The purchase must have been made in your home state or\nwithin 100 miles of your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither\nof these are necessary if your purchase was based on an\nadvertisement we mailed to you, or if we own the company that\nsold you the goods or services.)\n2. You must have used your credit card for the purchase.\nPurchases 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\nthe purchase, contact us in writing at the address(es) listed on your\nstatement.\nWhile we investigate, the same rules apply to the disputed amount\nas discussed above. After we finish our investigation, we will tell you\nour decision. At that point, if we think you owe an amount and you\ndo not pay, we may report you as delinquent.\n\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we\nreceived your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct\nthe error or explain to you why we believe the bill is correct.\n\nM-101813\n\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities\nunder the Fair Credit Billing Act.\n\nWhat Will Happen After We Receive Your Letter\n\nFI13286 Rev 6-2010\n\n\xc2\xa92005 Securian Financial Group, Inc. All rights reserved.\n\nSoutheast Financial Credit Union\n\n444 James Robertson Parkway, P.O. Box 331788\nNashville, TN 37203\n(615) 743-3700 or (800) 521-9653\nVISA SECURED CREDIT CARD AGREEMENT\n\nIn this Agreement, \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any person who accepts\nthis Agreement or uses the Card. The \xe2\x80\x9cCard\xe2\x80\x9d means any credit card\nissued to you or those designated by you under the terms of this\nAgreement. \xe2\x80\x9cWe\xe2\x80\x9d, \xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and the \xe2\x80\x9cCredit Union\xe2\x80\x9d means Southeast Financial Credit Union or its successors.\nSECURITY: YOU SPECIFICALLY GRANT US A CONSENSUAL\nSECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH US NOW AND IN THE FUTURE TO\nSECURE REPAYMENT OF CREDIT EXTENDED UNDER THIS\nAGREEMENT. YOU ALSO AGREE THAT WE HAVE SIMILAR\nSTATUTORY LIEN RIGHTS UNDER STATE AND/OR FEDERAL\nLAW. THE GRANTING OF THIS SECURITY INTEREST IS A\nCONDITION FOR THE ISSUANCE OF CREDIT UNDER THIS\nAGREEMENT. IF YOU ARE IN DEFAULT, WE CAN APPLY\nYOUR SHARES TO THE AMOUNT YOU OWE. Shares and deposits in an Individual Retirement Account or any other account\nthat would lose special tax treatment under state or federal law if\ngiven are not subject to this security interest.\nIf you have other loans with us, collateral securing such loans may\nalso secure your obligations under this Agreement, unless that\nother collateral is your principal residence or non-purchase money\nhousehold goods.\n\nUsing Your Card. You can purchase or lease goods and services from\nany merchant who honors your Card, and you may obtain cash advances from financial institutions and ATM machines that accept the\nCard, up to your maximum credit limit. You agree not to present your\nCard or obtain a cash advance for any extension of credit in excess of\nyour available credit limit ; however, if you do exceed your credit limit,\nyou agree to make immediate payment sufficient to bring the balance\nbelow the credit limit. Certain purchases and cash advances require\nauthorization prior to completion of the transaction. In some cases, you\nmay be asked to provide identification. If our system is not working, we\nmay not be able to authorize a transaction, even though you have sufficient credit available. Also, for security reasons, we may block the use\nof your Card in certain countries or geographic areas. We will have no\nliability to you or others if any of these events occur.\n\nPersonal Identification Number (PIN). We may issue a Personal\nIdentification Number (PIN) for use with your Card. This PIN is confidential and should not be disclosed to anyone. You may use your PIN\nand your Card to access your account, and all sums advanced will be\nadded to your account balance. In the event a use of your PIN constitutes an Electronic Funds Transfer, the terms and conditions of your\nElectronic Funds Transfer Agreement may affect your rights.\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, cash advances, and balance transfers made by you or any-\n\n\x0cone whom you authorize to use the Card; (b) all Interest Charges and\nall other charges or fees; (c) collection costs and attorney\xca\xbcs fees as\npermitted by applicable law, and any costs incurred in the recovery of\nthe Card; and (d) credit in excess of your credit limit that we may extend to you.\n\nIllegal Transactions: You agree that your Card and account will not\nbe used to make or facilitate any illegal transactions as determined by\napplicable law; and that any such use will constitute an event of default under this Agreement. We may decline any transaction that we\nbelieve to be illegal under applicable law, including but not limited to\nany transaction involving or relating to any gambling activity. You\nagree that we will have no liability or responsibility for any such use\nby you or any authorized user(s); 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 to pay us any\nand all amounts owing on your Card for any transactions made by\nyou, even if the transaction is determined to be illegal.\nJoint Accounts. Each 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. If you allow anyone else to use your\naccount, you will be liable for all credit extended to such persons. You\npromise to pay for all purchases and advances made by anyone you\nauthorize to use your account, whether or not you notify us that he or\nshe will be using it. If someone else is authorized to use your account\nand you want to end that person\xca\xbcs privilege, you must notify us in writing, and if he or she has a Card, you must return that Card with your\nwritten notice for it to be effective.\n\nOwnership of Card. Your Card remains our property and may be\ncancelled by us at any time without notice. You agree to surrender\nyour Card and to discontinue use of the account immediately upon\nour request.\n\nInterest Charges. Average 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\ntake the beginning balance each day, add any new purchases, cash\nadvances, balance transfers or other advances, and subtract any\npayments, unpaid interest charges, and unpaid late charges. This\ngives us the daily balance. Then, we add up all the daily balances for\nthe billing cycle and divide that by the number of days in the billing\ncycle. We then multiply that by the periodic rate corresponding to the\nAnnual Percentage Rate on your account. If you have different rates\nfor purchases, cash advances or balance transfers, separate average daily balances for each will be calculated and the appropriate periodic rate is then applied to each.\n\nGrace Period on Purchases Only: You can avoid Interest Charges\non purchases by paying the full amount of the new balance for purchases each month by the date on which the payment is due. Otherwise, the new balance of your account, and subsequent advances\nfrom the date they are posted to the account, will be subject to an Interest Charge. You cannot avoid Interest Charges on cash advances;\neven if you pay the entire cash advance balance by the payment due\ndate, you will incur the Interest Charges accrued from the date the\ncash advance is posted to your account.\nFees. In addition to the Interest Charges set forth above, you agree\n\nto also pay any and all fees that you incur as disclosed to you on your\nTruth-in-Lending Statement or similar disclosures (as may be\namended from time to time), or as disclosed to you during the term of\nyour 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\nor if an unauthorized use may have occurred. \xe2\x80\x9cUnauthorized use\xe2\x80\x9d\nmeans the use of the Card by someone other than you who does not\nhave actual, implied or apparent authority for such use, and from\nwhich you receive no benefit. The telephone number to call is (800)\n449-7728. You agree to follow up your call with notice in writing to:\nP.O. Box 31112, Tampa, FL 33631-3112. You also agree to assist us\nin determining the facts, circumstances and other pertinent information relating to any loss, theft or possible unauthorized use of your\nCard and comply with such procedures as we may require in connection with our investigation. You will be liable for any unauthorized\nuse only if we can prove that you were grossly negligent in your use\nor handling of your Card, or if we can prove that you used your Card\nfraudulently.\n\nMinimum Payment Due; Crediting of Payments. Payments are due\nin the amount and on the date disclosed on your billing statement. If\nyour payment is received by us on a business day at the address and\nby the time designated on the billing statement, it will be credited to\nyour account on 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\nwill be applied in any order we determine, subject to applicable law.\n\nDefault; Acceleration; Credit Suspension; Collection Costs. You\nwill be in default if: (1) you fail to make any payment on time; (2) if you\nfail to keep any promises you have made under this Agreement or\nunder other Agreements you have with us; (3) if you die; (4) if you file\na petition in bankruptcy or have a bankruptcy petition filed against\nyou, or if you become involved in any insolvency, receivership or custodial proceeding; (5) if anyone attempts to take any of your funds\nheld by us via legal process or if you have a judgment or tax lien filed\nagainst you; (6) if you make any false, inaccurate, or misleading statements in any credit application or credit update; or (7) if we, in good\nfaith, believe that your ability to repay what you owe is or soon will be\nimpaired, or that you are unwilling to make your payments.\nIf you are in default, we have the right to demand immediate payment\nof your full account balance without giving you notice. If immediate\npayment is demanded, you agree to continue paying interest charges\nand fees until what you owe has been paid, and any shares that were\ngiven as security for your account may be applied towards what you\nowe. You agree to pay all reasonable costs of collection, including\ncourt costs and attorney\xca\xbcs fees, and any costs incurred in the recovery of the Card, subject to applicable law. Even if your unpaid balance is less than your credit limit, you will have no credit available\nduring any time that any aspect of your account is in default.\n\nAdditional Benefits/Card Enhancements. We may from time to\ntime offer additional services to your Account at no additional cost to\nyou. You understand that we are not obligated to offer such services\nand may withdraw or change them at any time.\n\nConvenience Checks. We may, at our discretion, issue checks to\nyou which may be used for any purpose other than making a payment for credit to your account. By signing such check, you authorize us to pay the item for the amount indicated and post such amount\n\nas a cash advance to your account. We do not have to pay any item\nwhich would cause the outstanding balance in your account to exceed your credit limit.\n\nCredit Information. We 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\nprovide such information when requested by us may result in suspension of credit privileges under this Agreement, including your ability to obtain any future advances by any means. You authorize us to\ninvestigate your credit standing when opening or reviewing your account. You authorize us to disclose information regarding your account\nto credit bureau and creditors who inquire about your credit standing.\n\nForeign Transactions; Currency Conversion. Purchases and cash\nadvances made in foreign currencies will be billed to you in U.S. dollars. The conversion rate in dollars will be a rate selected by the card\ncompany from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary\nfrom the rate the card company itself receives, or the governmentmandated rate in effect for the applicable central processing date in\neach instance. All transactions processed outside of the United States\n(which may include internet transactions) will be charged a foreign\ntransaction fee in the amount disclosed on your Truth-in-Lending\nStatement (as amended from time to time).\n\nTermination; Change-in-Terms. We may, by written notice, terminate this Agreement at any time, subject to applicable law. You may\nterminate this Agreement by written notice. Termination by either party\nshall not affect your obligation to repay any payments made for your\naccount resulting from use of the Card as well as Interest Charges\nand fees incurred. We may change the terms of this Agreement, including the method of calculating the periodic rate, at any time, by\nwritten notice, subject to applicable law. Use of the Card constitutes\nagreement and acceptance of any change in terms, unless applicable law requires otherwise. Our failure to exercise any of our rights or\nto 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. Any payment that delays the reduction of\nyour balance will increase your total interest costs. Partial payments\nor prepayments will not delay your next scheduled payment \xe2\x80\x93 you will\nstill need to make the minimum scheduled payment by the next\nscheduled due date to keep your account current. We may accept\nlate payments, partial payments, checks or money orders marked\n\xe2\x80\x9cpayment in full\xe2\x80\x9d and such action shall not constitute final settlement\nof your account or a waiver or forgiveness of any amounts owing\nunder this Agreement.\n\nEnforcement. We do not lose our rights under this or any related\nagreement if we delay enforcing them. If any provision of this or any\nrelated agreement is determined to be unenforceable or invalid, all\nother provisions remain in full force and effect.\n\nReturns and Adjustments. Merchants and others who honor the\nCard may give credit for returns or adjustments, and they will do so\nby submitting a credit slip which will be posted to your account. If your\ncredits and payments exceed what you owe us, the amount will be\napplied against future purchases and cash advances. If the credit balance amount is $1 or more, it will be refunded upon your written or\nverbal request.\nPlan Merchant Disputes. We are not responsible for the refusal of\n\n\x0c'


b'TCM Bank, N.A. Cardholder Agreement - Effective: February 17, 2020\nThis Cardholder Agreement (\xe2\x80\x9cAgreement\xe2\x80\x9d), the card carrier we send with your credit card, the accompanying sheet entitled \xe2\x80\x9cTCM\nBank, N.A. Account Opening Disclosures\xe2\x80\x9d and the application you signed or otherwise submitted (collectively, the \xe2\x80\x9cCardholder\nDocuments\xe2\x80\x9d) govern the use of your TCM Bank, N.A. Visa\xc2\xae or MasterCard\xc2\xae credit card (\xe2\x80\x9cCard\xe2\x80\x9d) account (your \xe2\x80\x9cAccount\xe2\x80\x9d).\nAll of the Cardholder Documents are part of and are incorporated into this Agreement. By signing (including by any electronic\nor digital signature) your Card, your Account application, any accepted sales slip, or any other document in connection with the\nuse of your Card or your Account, or by using your Card or allowing someone else to use it, you agree to the terms and conditions\nof this Agreement. Please read this Agreement thoroughly and retain a copy for your records. As used in this Agreement: we, us,\nour, and similar terms mean TCM Bank, N.A., and all its respective parents, wholly or majority owned subsidiaries, affiliates,\npredecessors, successors, assigns, employees, officers, and directors (collectively, \xe2\x80\x9cTCM\xe2\x80\x9d). The words you, yours, and\nCardholder mean all persons responsible for complying with this Agreement, including the applicant and any co-applicant who\napplied to open the Account and the person to whom we address Account statements. As the person(s) that asked us to open\nthe Account, you are the \xe2\x80\x9cPrimary Cardholder,\xe2\x80\x9d and you will have an Account with us. You may request that we issue a Card\nto another person and, if we do, that person will be called an \xe2\x80\x9cAuthorized User\xe2\x80\x9d on your Account and the Card will be an\n\xe2\x80\x9cAdditional Card.\xe2\x80\x9d The Cards are issued by us, even if the name of another institution appears on the Cards. Visa is a registered\ntrademark of Visa International Service Association, is and used by us pursuant to license. MasterCard is a registered trademark\nof MasterCard International Incorporated, and is used by us pursuant to license.\nThis Agreement is governed by the substantive laws (excluding laws of conflict) and regulations of the United States\n(\xe2\x80\x9cfederal law\xe2\x80\x9d) and the laws and regulations of the State of Florida no matter where the Account is used. We reserve all\nour rights with respect to the preemptive effect of any applicable federal laws and/or regulations.\nThis Agreement is entered between us and you in Florida. We make decisions about granting credit to you from,\nextend credit to you under this Agreement from, and accept payments from you in, Florida.\nUse of the Card. You may use the Card to obtain legal goods and services from any person or establishment accepting the Card\n(\xe2\x80\x9cPurchase(s)\xe2\x80\x9d), to obtain non-purchase related transactions (\xe2\x80\x9cCash Advance(s)\xe2\x80\x9d) from us up to the applicable limits on your\nAccount and to take advantage of other features of the Card. As used in this Agreement, the term \xe2\x80\x9cPurchases\xe2\x80\x9d will include Purchases\nand Balance Transfers (a \xe2\x80\x9cBalance Transfer\xe2\x80\x9d is transfer of funds to another creditor initiated by us at your request which may\ninclude transaction fees and adjustments associated with any Balance Transfer), and the term \xe2\x80\x9cCash Advances\xe2\x80\x9d will include a)\nCash Advances, b) Convenience Checks (as used in this Agreement, the term \xe2\x80\x9cConvenience Check\xe2\x80\x9d means any check we\nprovide to you for accessing your Account to obtain credit), c) obtaining funds through an automated teller machine (ATM) or a\nfinancial institution, d) purchasing a wire transfer, money order, foreign currency, travelers cheques, savings bonds, lottery\ntickets, gift cards or stored value load, e) purchase of cryptocurrency, including, but not limited to Bitcoin, or (f) engaging in\nanother similar transaction. As used in this Agreement, all amounts charged which include the Annual Fees (as described below),\nif any, or other fees, and any Finance Charges imposed under the Agreement, will be called \xe2\x80\x9cCharges\xe2\x80\x9d. Charges include (but are\nnot limited to) any Purchase, Balance Transfer, Cash Advance or Convenience Check in which you have evidenced an intent to\nincur a Charge, regardless of whether you have signed a charge form.\nYou are responsible for paying all amounts charged to the Account. You agree to notify us at once if the Card or any Convenience\nChecks we may issue on your Account are lost or stolen, or if you suspect they are being used without your permission. You\nagree to take reasonable steps to prevent the unauthorized use of any Card, Convenience Checks and your Account. You agree to\nsign the Card immediately when you receive it. You agree to use the Account (including any Card and Convenience Checks) only\nfor legal purchases of goods and services and not to use the Account, Cards and/or Convenience Checks for any unlawful purposes,\nincluding the purchase of goods or services prohibited by applicable laws or regulations. You expressly agree that Cards may not\nbe used for gambling or wagering purposes, whether online or otherwise, even if it otherwise permitted by applicable law. If\nyou or any Authorized Users do use your Cards for unlawful purposes, including, without limitation, illegal internet gambling,\nand /or for any purposes which we do not permit, you will be in default under this Agreement and we may terminate your Account,\nbut you still will be liable to us for all Charges relating to such transactions and all other transactions on your Account. You should\nnot use the Card after the expiration date. You must immediately return the Card to us or destroy it if we ask you to. If you want\nto cancel your Account or any Cards, you must contact us and destroy the applicable Card. We reserve the right to deny\nauthorization for any requested Charge even if the transaction would not cause you to exceed your credit limit or your Account is\nnot in default. You agree to use your Account for personal, family or household purposes and not to use your Account for business\nor commercial purposes.\n\n\x0cWe are not responsible for any losses you may incur if we do not authorize a requested Charge or if anyone refuses to accept your\nCard or any Convenience Check for any reason. You may obtain Cash Advances and Balance Transfers as permitted for your\nAccount as described in this Agreement, but you may not use these to pay any amount you owe us or any of our affiliates or agents.\nWe are not liable for any losses that may result when our services are unavailable due to reasons beyond our control.\nCredit Line Maintenance: You agree to provide financial statements on the Cardholder as requested by us. Failure to do so may\nresult in the suspension of charging privileges on your Account. You also agree to provide us with any information required by\nlaw or regulation, including information that may be required under the USA Patriot Act.\nTransfers: You may not transfer your Account or any of your rights and obligations under this Agreement. Any such transfer\nwill be void.\nAdditional Cards: You, as the Primary Cardholder, are responsible for all Charges on your Account. Any Additional Cards\nmay be canceled by you or by us. You agree to make sure that any Additional Cards issued on your Account are used in a\nmanner consistent with this Agreement. You also authorize us to discuss your Account with Authorized Users in the course\nof maintaining your Account. We may, in our sole discretion, pursue Authorized Users for payment of their Charges if you fail to\npay those Charges. If you want to end an Authorized User\xe2\x80\x99s privilege to use your Account, you must recover and destroy that\nperson\xe2\x80\x99s Card. If you do not, you will continue to be liable for any charges made, even if you have advised us of your wish to\ncancel that person\xe2\x80\x99s Card privileges, unless you tell us to cancel all Cards and establish a new Account for you or you report\nthe Card as lost or stolen. You agree to notify each Authorized User that they are subject to all applicable sections of this\nAgreement.\nCredit Limit: The Credit Limit is the maximum amount of credit available on your Account. We have provided you a\nseparate written notice stating the applicable credit limit(s) on your Account. In addition, your monthly statements will show the\namount of credit available to you for Purchases, Balance Transfers and Cash Advances and the ANNUAL PERCENTAGE\nRATES (APRs) for Purchases, Balance Transfers and Cash Advances, as of the monthly statement date. You agree not to\nuse the Account in any way that would make the unpaid balance of your Account exceed the applicable credit limit. We are not\nobligated to honor any Card transaction that would cause the unpaid balance of your Account to exceed applicable credit limits\n(\xe2\x80\x9cOver Limit Transactions\xe2\x80\x9d). However, if we, in our discretion, honor any Over Limit Transaction, you agree to promptly pay the\namount more than the applicable credit limit. At our discretion, and subject to applicable law, we may increase, reduce your Credit\nLimit or the Balance Transfer or Cash Advance portions of your Credit Limit or cancel your Credit Limit, at any time. A change\nto your Credit Limit or any portion thereof does not affect your obligation to pay us.\nPromotional Offers: At our discretion, we may offer you a promotional ANNUAL PERCENTAGE RATE for all or a part of any\nbalances or for certain types of transactions. The period of time for which the promotional rate applies may be limited. Any\napplicable promotional rate, the corresponding periodic rates, and the period of time during which it will be in effect will appear\non the Account Opening Disclosure or be included on a promotional letter. Any promotional rate offer will be subject to the\nterms of the offer and this Agreement.\nRenewal of Cards and Cancellation: The Card will be valid until the expiration date embossed on the Card. We will issue you\nrenewal or replacement Cards before the current Card expires unless your Account is cancelled by you or by us or your Account\nis not in Good Standing at the time of such expiration. Your Account is in \xe2\x80\x9cGood Standing\xe2\x80\x9d if it is an open and active account\nwith no holds or blocks present on the account.\nLiability for Charges and Finance Charges: You may use the Card to obtain Purchases, Balance Transfers and Cash\nAdvances up to the applicable credit limits on your Account. You are liable to us for all Charges you make and all Charges\nmade by holders of any Cards and Additional Cards issued on your Account. Authorized Users using a Primary Cardholder\xe2\x80\x99s\nAccount are not liable for obligations incurred by the Primary Cardholder or by other Authorized Users. However, by each use\nof an Additional Card, the Authorized User indicates his or her agreement to pay us for that transaction and related Charges if\nyou fail or refuse to pay that obligation.\nPayments: Each month\xe2\x80\x99s Total Minimum Payment (as defined below) for your Account is due by the payment due date (\xe2\x80\x9cPayment\nDue Date\xe2\x80\x9d is the date shown on your monthly statement by which your payment is due) shown on your monthly statement. The\nTotal Minimum Payment will include any amount past due and over the applicable credit limit. You must pay us in U.S.\ncurrency, with a draft or a check drawn on a U.S. bank and payable in U.S. dollars, with a negotiable instrument payable in U.S.\n\n\x0cdollars and clearable through the U.S. banking system, or with a telephonic or electronic payment authorization in U.S. funds.\nYou acknowledge that we process most payment checks electronically. We use the information on your check to create an\nelectronic funds transfer. Each time you send a check, you authorize us to make a one-time electronic funds transfer. You also\nauthorize us to process your check as a check or paper draft, as necessary. Funds may be withdrawn from your Account as soon\nas the same day we receive your payment. You will not receive your cancelled check because we are required to destroy it. We\nwill retain an electronic copy. If we decide to accept a payment made in some other form, your payment will not be credited\nuntil it is converted into one of the forms described in the previous sentence. We may charge you any costs we incur in converting\nyour payment.\nIf we do not receive payment by the Payment Due Date or if a payment is returned to us unpaid, we may charge your Account a\nLate Payment Fee or a Returned Payment Fee (as described below) to cover collection costs on that payment in addition to any\nother applicable fees. All payments, if received by us prior to 5:00 pm Eastern Standard Time, shall be considered made on the\ndate received at the payment address as shown on your monthly statement. If payment is received after 5:00 pm Eastern Standard\nTime on any date, payment will be deemed to have been received the following banking day. We may accept late payments,\npartial payments, or any payments marked as being payment in full or as being a settlement of any dispute without losing any\nof our rights under this Agreement or under the law. Our acceptance of such payments does not mean we agree to change this\nAgreement in any way. You agree to pay all court costs plus all reasonable attorney\xe2\x80\x99s fees if we must refer your Account to any\nattorney for collection, subject to the law of your jurisdiction.\nAvailability Hold: We may, at our discretion, withhold a portion of the available credit on your Account up to the amount of\nany payments to assure that the payment is honored.\nMonthly Statement \xe2\x80\x93 Total Minimum Payment: The Total Minimum Payment required is the new balance shown on your\nmonthly billing statement if the amount is equal to or less than $15.00. Otherwise, it is the greater of: (A) 3.0% of the new\nbalance for such month (\xe2\x80\x9cNew Balance\xe2\x80\x9d) (rounded up to the nearest dollar), (B) $15.00, or (C) 1% of the New Balance (rounded\nup to the nearest dollar) plus any unpaid FINANCE CHARGES and unpaid fees. If applicable, the Total Minimum Payment\nwill include any amount over the credit limit and any amount past due. You may pay more than the Total Minimum Payment, or\nyou may pay the total New Balance at any time. Your Total Minimum Payment will be applied in any order at our discretion.\nPayments in excess of the Total Minimum Payment will be applied to balances with the highest APR first and then to lower rate\nbalances in descending order of APRs.\nHow to Avoid Paying Interest:\nGrace Period: A grace period is the period between the end of a billing cycle and the date your payment is due during which credit\nextended may be repaid without incurring FINANCE CHARGES. During this period, you may not be charged interest as long\nas you pay your balance in full by the due date.\nGrace Period for Purchases (including Balance Transfers): Your Payment Due Date is at least 23 days after the close of each\nbilling cycle. We will not charge you any interest on Purchases (including Balance Transfers) if you pay your entire balance in\nfull by the due date of each month. If you do not, you will accrue FINANCE CHARGES on all Purchases from the date the\nPurchase is posted to your Account.\nIf you are not carrying a balance, then you can avoid paying interest on new Purchases if you pay your balance in full by the\nPayment Due Date. If you do not pay your balance in full by the Payment Due Date, you will be charged interest on the unpaid\nportion of the balance. You will also be charged interest on Purchases in the new billing cycle starting on the date each Purchase\nis made.\nGrace Period for Cash Advances (including Convenience Checks and other charges as defined on page 1): On Cash\nAdvances there is no grace period, and FINANCE CHARGES on Cash Advances are always assessed from the day of the Cash\nAdvance transaction or the first day of the billing cycle in which the Cash Advance is posted to your Account, whichever is later,\nuntil the day we receive payment in full of all outstanding Cash Advances.\n\nCalculation of Monthly Periodic Rate:\n\n\x0cA. The \xe2\x80\x9cMonthly Periodic Rate\xe2\x80\x9d for Purchases, Balance Transfers and Cash Advances for each billing cycle is 1/12th of the\nANNUAL PERCENTAGE RATE for Purchases, Balance Transfers, or Cash Advances, respectively, in effect for that billing\ncycle, rounded to the nearest ten thousandth of a percentage point.\nB. The Account Opening Disclosure states the ANNUAL PERCENTAGE RATES applicable to your Account, subject to\nparagraph C below. Please call us at 1-800-883-0131 or write to us at TCM Bank, N.A., PO Box 31537, Tampa, FL 33631, to\nreceive an additional copy of the Account Opening Disclosures or to learn the most current ANNUAL PERCENTAGE\nRATES.\nC. For purposes of this Agreement, the Prime Rate used to determine your ANNUAL PERCENTAGE RATES for a billing\ncycle is the highest Prime Rate listed in The Wall Street Journal on the last business day of the calendar month prior to your\nstatement closing date. Your APR will increase if the Prime Rate increases. Your minimum payment or the number of payments\nwill increase if your APR increases. In the event that The Wall Street Journal ceases to be published or ceases to publish the Prime\nRate, we may refer to the Prime Rate published in any other newspaper of general circulation in New York, New York, or we may\nsubstitute a similar reference rate at our sole discretion. Subject to applicable law, any balances transferred from another account\nto this Account shall be governed by the terms and conditions of this Agreement.\nFinance Charge Calculation Method and Computation of Average Daily Balance Subject to Finance Charge.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9cAverage Daily Balance (including new Purchases).\xe2\x80\x9d\nWe calculate periodic rate FINANCE CHARGES separately for each type of balance (e.g., Purchases, Balance Transfers, and\nCash Advances). For a billing cycle, we figure a portion of the FINANCE CHARGE on your Account by multiplying the Monthly\nPeriodic Rate times the respective Average Daily Balances (including current transactions). There is a $1.00 minimum FINANCE\nCHARGE.\n\xe2\x80\x9cAverage Daily Balances\xe2\x80\x9d means the following:\n\xe2\x80\xa2 To get the Average Daily Balance for Purchases and Balance Transfers, we take the beginning balance of Purchases and Balance\nTransfers on your Account each day, add any new Purchases and Balance Transfers, and subtract any payments or credits, nonaccruing fees, and unpaid FINANCE CHARGES during the billing cycle. This gives us the daily balance for Purchases and\nBalance Transfers. Then, we add up all the daily balances of Purchases and Balance Transfers for the billing cycle and divide the\ntotal by the number of days in the billing cycle. This gives us the Average Daily Balance for Purchases.\n\xe2\x80\xa2 To get the Average Daily Balance for Cash Advances, we take the beginning balance of Cash Advances on your Account each\nday, add any new Cash Advances, and subtract any payments or, non-accruing fees, and unpaid FINANCE CHARGES during\nthe billing cycle. This gives us the daily balance for Cash Advances. Then, we add up all the daily balances of Cash Advances\nfor the billing cycle and divide the total by the number of days in the billing cycle. This gives us the Average Daily Balance for\nCash Advances.\n\xef\x82\xb7\n\nCredits received from merchants are effective as of the posting date.\n\n\xef\x82\xb7\n\nFor FINANCE CHARGE calculation purposes, the billing cycle begins on the day after the Statement/Closing date of\nthe previous billing cycle and includes the Statement/Closing Date of the current billing cycle. The number of days in the\nbilling cycle may vary.\n\nFees: We may charge the following fees, subject to applicable law:\n1. ANNUAL FEE: You agree to pay any Annual Fee shown on the Account Opening Disclosure accompanying this Agreement\nin the amount shown.\n2. RETURNED PAYMENT: You agree to pay a fee of up to $40 for each returned payment. The returned payment fee will\nnot exceed the Total Minimum Payment and will never exceed the amount of the payment being returned.\n3. STOP PAYMENT ORDERS: If you request us to stop payment on a Convenience Check drawn on your Account, you agree\nto pay a fee of $29.\n\n\x0c4. LATE PAYMENT FEE: You agree to pay a late fee of up to $40 if we do not receive your minimum payment by the\nPayment Due Date each month. In no event will your late fee exceed the Total Minimum Payment. You will only be charged\none late payment fee for any monthly Total Minimum Payment which is not paid by the Payment Due Date shown on your\nstatement.\n5. RESEARCH FEE: You agree to pay $3 for each photocopy of a sales slip you request and $4 for each duplicate copy of a\nmonthly statement you request. However, we will not impose these fees if you request such items in connection with a billing error\ndispute which you have notified us of in writing.\n6. EXPEDITED PAYMENT FEE: You agree to pay $10 for each payment initiated via telephone and assisted by a customer\nservice representative for same day payments.\n7. TRANSACTION FEES:\nTransaction Fee for Cash Advances: For each Cash Advance, we add an additional Cash Advance Fee of either $5 or 3% of\nthe U.S. dollar amount of the Cash Advance, whichever is greater. There is no maximum Cash Advance Fee. The Cash Advance\nFee is a FINANCE CHARGE. This Cash Advance Fee may cause the ANNUAL PERCENTAGE RATE on the billing\nstatement on which the Cash Advance first appears to increase.\nTransaction Fee for Charges Made in Foreign Countries: If you incur a Charge in a foreign currency or foreign countries,\nit may be converted into U.S. dollars. If the foreign currency is converted into U.S. dollars, the exchange rate used to convert\nthe currency used in an international transaction into the billing currency shall, in each instance, be either a rate selected by\nVisa\xc2\xae or MasterCard\xc2\xae. The conversion may occur after the transaction date, and the conversion rate may differ from the rate\nof exchange in effect at the time of the transaction. You agree to pay the converted amount to us in U.S. dollars. In addition,\nyou agree to pay a Foreign Transaction Fee of 1.0% of the U.S. dollar amount of each transaction made in a foreign currency,\nin U.S. dollars outside the U.S., or (whether in a foreign currency or in U.S. dollars) with a foreign merchant. The Foreign\nTransaction Fee is a FINANCE CHARGE. This Foreign Transaction Fee may cause the ANNUAL PERCENTAGE RATE\non the billing statement on which the Charge made in a foreign currency first appears to increase.\nTransaction Fee for Balance Transfers: For each Balance Transfer, we will add a Balance Transfer Fee of the greater of $5\nor 3% of the U.S. dollar amount of the Balance Transfer. There is no maximum Balance Transfer Fee. The Balance Transfer\nFee is a FINANCE CHARGE. The Balance Transfer Fee may cause the ANNUAL PERCENTAGE RATE on the billing\nstatement on which the Balance Transfer first appears to increase.\nDefault: Subject to applicable law, we may consider your Account to be in default at any time if you fail to pay us any payment\nwhen it is due; if you attempt to exceed or exceed the applicable credit limits on your Account; if your payment is returned,\nrejected, or not paid by your bank or financial institution or if your payment cannot be processed; if you die or become legally\nincapacitated; if any government authority takes action that TCM believes adversely affects your financial condition or ability\nto repay the debt or we have any other reason to believe you may not be able to meet your obligations to us; if you enter a\nhardship or workout program ; if we determine that you have made any false, incomplete or misleading statement to us; if you\nbreach any other promise or obligation under this Agreement or any other agreement with us or our affiliates; or if we have any\nreason to believe you may not be creditworthy . Upon your default and subject to any limitations or requirements of applicable\nlaw, you agree to pay all other reasonable costs, including reasonable attorney\xe2\x80\x99s fees, incurred by us in collecting the balance\ndue, including FINANCE CHARGES, if any, whether suit is brought against you, and in protecting ourselves from any harm\nthat we may suffer as a result of your default, or nonuse of your Card . We may also, upon your default, and subject to applicable\nlaw, declare the entire amount of your obligations to us immediately due and payable and suspend or cancel your Account\nprivileges.\nDelinquency Assessments: Your Account may be considered delinquent if you fail to pay us at least the Total Minimum Payment\ndue by the Payment Due Date shown on each monthly statement. If your Account remains delinquent at the statement closing date,\nsubject to applicable law, we will add a Late Payment Fee as described above.\nSuspension/Cancellation: In addition to any of the actions we may take under this Agreement, we may suspend or cancel your\nAccount privileges at our sole option, subject to applicable law, at any time with or without cause and without giving you notice,\n\n\x0cincluding but not limited to a situation in which (1) you cease to be an account holder in good standing with respect to any other\naccounts you may have with TCM, (2) you are in default, or (3) you stop using your Account. Any such action on our part will not\ncancel your obligations to pay us the outstanding balance, FINANCE CHARGES, and other charges due on your Account under\nthe terms of the Agreement in effect at the time of the cancellation or suspension of your Account or as subsequently amended. You\nagree to pay us all such obligations despite any suspension or cancellation of your Account.\nRules for Convenience Checks: You may request a stop payment on a Convenience Check by providing us with the access check\nnumber, dollar amount, and payee exactly as they appear on the Convenience Check. Oral and written stop payment requests on a\nConvenience Check are effective for six months from the day that we place the stop payment.\nYou may not issue a postdated Convenience Check on your Account. If you do postdate a Convenience Check, we may elect to\nhonor it upon presentment or return it unpaid to the person that presented it to us for payment, without in either case waiting for\nthe date shown on the Convenience Check. We are not liable to you for any loss or expense arising out of the action we elect to\ntake.\nRewards: Your Account might provide you with the opportunity to earn rewards. If it does, we will separately provide you with\na reward guide containing information and terms about your rewards. If you default, as per the conditions listed above, TCM has\nthe right to forfeit your rewards earned and the ability to earn future rewards.\nWaiver: Our failure to exercise any of our rights under this Agreement, or our waiver of our rights on any one occasion, shall not\nconstitute a waiver of such rights on any other occasion.\nConsumer Reports: You authorize us and our affiliates to make whatever credit investigations we deem appropriate and to obtain\nand exchange any information we may receive from consumer reports, consumer reporting agencies and other sources. We may ask\nconsumer reporting agencies for consumer reports of your credit history. Upon request and as otherwise required by applicable\nlaw, we will tell you whether a consumer report was requested and the name and address of the agency that furnished it. We may\nreport information about your account to credit bureaus. Late payments, missed payments, or other defaults on your\naccount may be reflected in your credit report. If we determine that your Account is past due, adverse credit information may\nalso appear on the consumer reports of any Authorized Users on your Account.\nIf you believe we have furnished inaccurate or incomplete information about you or your Account to a credit reporting agency,\nwrite to us at TCM Bank, N.A., PO Box 31537, Tampa, FL 33631. Please include your name, address, home phone number and\nAccount number, and explain what you believe is inaccurate or incomplete.\nTelephone Monitoring: From time to time, we may monitor and record telephone calls between you or Authorized Users and us\nfor reasonable business purposes including to assure the quality of our customer service.\nConsent to Receive Communications: Unless expressly prohibited by law, you expressly agree and consent that we may contact\nyou using an automatic telephone dialing system, pre-recorded voice, voicemail or messaging service, text messaging, email\nmessaging or otherwise and leave you voice, prerecorded or artificial voice messages or send you text messages, emails or other\nelectronic messages for any purposes, including the servicing and/or collecting of your account, to offer you products and services\nthat may be of interest to you, and for any other informational or marketing purposes. You agree that we may contact you at any\ntelephone number, including, but not limited to your home telephone number, and cellular telephone number; any email address;\nor using any other contact information that you provide to us at any time whether in connection with the opening of your account\nor thereafter. You agree to notify us promptly if any of your contact information changes and only give us telephone numbers and\nemail addresses that belong to you and at which you may be contacted.\nYou agree that this consent is valid regardless of whether the number we use to contact you is assigned to any service for which\nyou may be charged for the call, text message(s), or other communications.\nYou agree that you are not required to provide this consent as a condition to receiving any product or service from us and\nacknowledge that you have the right to revoke this consent or change or remove any of the telephone numbers or email addresses\nat any time by contacting us at 1-800-883-0131 or by any other reasonable means.\nMobile Devices: You or an Authorized User may choose to load your Account information and/or Card into a third party app\non a smart phone or other electronic device, such as through a mobile wallet, which may be used to make Charges without\n\n\x0cpresenting a Card (\xe2\x80\x9cDevice\xe2\x80\x9d). You agree that any such Charges using your Card or Account made through such a Device are\ncovered by this Agreement. You further acknowledge and agree that we have no control over the Device and cannot\nguarantee or warrant its performance.\nYou should protect the security of the Device in the same manner and with the same degree of care as you protect your Account,\nCard or any other valuable information. You agree to be solely responsible for any fees or charges related to such a transaction\nmade through the Device such as mobile carrier fees or messaging charges. We may, at any time, in our sole discretion, partially\nor fully restrict your ability to make Charges through such a Device. You agree to notify us promptly if you remove your\nAccount or Card information from any such Device.\nBenefits and Services: We reserve the right to add, modify, or delete any benefit or service offered with the Card at any time without\nnotice to you unless otherwise required by applicable law.\nChange of Billing Address \xe2\x80\x93 Notices: You must notify us immediately of any change in your billing address. Any notice given\nby us shall be deemed to be given when deposited in the United States Mail, postage prepaid, addressed to you at the latest billing\naddress shown on our records.\nChange of Rates, Fees, Terms \xe2\x80\x93 Assignment: We may assign or transfer Card accounts, including, your Account, this Agreement or\nour rights and obligations under your Account or this Agreement, to our affiliates or to some other financial institution at any\ntime. Subject to applicable law, the person or entity to whom we make any such sale, assignment or transfer is entitled to all our\nrights under this Agreement, to the extent sold, assigned or transferred. We may also change the rates, fees, and terms of this\nAgreement at any time, in accordance with applicable law. We will notify you of changes if we are required to do so by law, and\nyou may be given the opportunity to reject those changes to the extent required by law or otherwise in our discretion. If you\nchoose not to accept those changes, you may terminate this Agreement by notifying us in writing. However, your Account will\nbe closed, and you will remain responsible for all Charges made before you terminated the Agreement.\nRevocation and Voluntary Cancellation: We can revoke your right to use the Card at any time. We can do this whether you\nhave violated this Agreement and without giving you notice. If we revoke the Card, you must return the Card to us if we request.\nAlso, if a merchant that accepts cards asks you to surrender an expired or revoked Card, you must do so. You may not use the\nCard after it has expired or after it has been revoked. If you ask us to cancel your Account, but you continue to use your Account\nafter the date of cancellation, we will consider such use as your request for reinstatement of your Account. We may then reinstate\nyour Account and bill you accordingly.\nSeverability: If any part of this Agreement conflicts with applicable law, that law will control, and this Agreement will be\nconsidered changed to the extent necessary to comply with that law. If any part of this Agreement is determined by a court of valid\njurisdiction to be invalid, the remainder of this Agreement will remain in effect.\nJURY TRIAL WAIVER. THE PARTIES HEREBY WAIVE ANY RIGHT TO TRIAL BY JURY.\nInterest Rate Limitation. If, at any time and for any reason whatsoever, the interest rate payment hereunder shall exceed the\nmaximum rate of interest permitted to be charged by TCM under applicable law, such interest rate shall be reduced automatically\nto the maximum rate of interest permitted to be charged under applicable law. Without limiting the foregoing, you will not be held\nliable for fees and charges greater than any maximum allowed under applicable law.\nYour Rights Under the Military Lending Act: Federal law provides important protections to members of the Armed Forces\nand their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed\nForces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable\nto the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in\nconnection with the credit transaction; any application fee charged (other than certain application fees for specified credit\ntransactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To\nhear the Military Lending Act Information, call 1-800-883-0131.\nYour Billing Rights \xe2\x80\x93 Keep This Document for Future Use. This notice tells you about your rights and our responsibilities under\nthe Fair Credit Billing Act.\n\n\x0cWhat To Do If You Find a Mistake on Your Statement. If you think there is an error on your statement, write to us at: TCM Bank,\nN.A., Customer Service, P.O. Box 31481, Tampa, FL 33631-3481.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account information: Your name and account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it\nis 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 automatic payment is scheduled, if you want to stop payment on the amount you think is\nwrong.\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 potential\nerrors, and you may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter.\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already\ncorrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question or report you as delinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2 If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2 If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe, and the date payment is due. We may then report you as delinquent if you\ndo 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 ten (10) days telling us that you still\nrefuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must\ntell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter\nhas been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is\ncorrect.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to\ncorrect the problem with the merchant, you may have the 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 mailing address, and the purchase\nprice must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we\nmailed to you, or if we own the company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that\naccesses your credit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\n\n\x0cIf all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: TCM Bank, N.A.,\nCustomer Service, P.O. Box 31481, Tampa, FL 33631-3481.\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will\ntell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.\nState Laws Require the Following Notices: California Residents: After credit approval, each applicant shall have the right to\nuse this account to the extent of any limit set by the creditor and each applicant may be liable for all amounts extended under\nthis account to any joint applicant. Married Wisconsin Residents: Your signature confirms that this credit obligation is being\nincurred in the interest of your marriage or family. If the credit card for which you are applying is granted, you will notify TCM\nBank if you have a spouse who needs to review notification that credit has been extended to you.\nAuthorization: You expressly authorize your wireless carrier (AT&T, Sprint, T-Mobile, US Cellular, Verizon, or any other\nbranded wireless operator) to disclose to TCM and its third-party service providers your mobile number, network status, customer\ntype, customer\xe2\x80\x99s role, billing type, mobile device identifiers (IMSI and IMEI) and other subscriber status and device details, if\navailable, solely to verify your identity and prevent fraud for the duration of the relationship.\nPrivacy of Information: Please refer to our Privacy Policy for information about TCM\xe2\x80\x99s privacy practices.\nUnauthorized Use of Your Account: Please notify us immediately at 1-800-883-0131 of the loss or theft of your Card or\nConvenience Checks or of any other possible unauthorized use of your Account.\n\n\x0c'