b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA PLATINUM/VISA SECURED\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to FirstLight Federal Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d\nrefers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means\nthe line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n04208549-MXC30-P-1-030220 (MXC303-E)\n\n\x0caccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 2.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases and balance transfers on\nthe date the transaction is posted to Your Account. We will begin charging You interest on cash advances on the date of\nthe transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever is later\n(transaction date). However, We will not charge You any interest on new purchases or balance transfers if Your Account\nhad a zero or credit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous\ncycle\'s billing statement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance\nof purchases or balance transfers, You must pay the entire new balance on the billing statement by the Payment Due\nDate of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\nPage 2 of 6\n04208549-MXC30-P-1-030220 (MXC303-E)\n\n\x0c8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at PO Box 4798, El\nPaso, TX, 79914 or call Us at 1-800-229-6132, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nPage 3 of 6\n04208549-MXC30-P-1-030220 (MXC303-E)\n\n\x0cnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nTexas.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\nPage 4 of 6\n04208549-MXC30-P-1-030220 (MXC303-E)\n\n\x0c30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n04208549-MXC30-P-1-030220 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n04208549-MXC30-P-1-030220 (MXC303-E)\n\n\x0c'


b'APPLICATION AND\nSOLICITATION\nDISCLOSURE\nVISA PLATINUM/VISA SECURED\n\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR) for\nPurchases\n\nVisa Platinum\n\n1.90% to 5.90%\n\nIntroductory APR, for qualifying members,\nfor a period of 12 billing cycles, based on your creditworthiness.\nAfter that, or if you do not qualify for an Introductory APR, your APR will be\n\n8.90% to 18.00% , based on your creditworthiness.\n\nVisa Secured\n\n14.90%\n\nAPR for Balance Transfers\n\nVisa Platinum\n1.90% to 5.90% Introductory APR, for qualifying members, for a period of\n12 billing cycles, based on your creditworthiness.\nAfter that, or if you do not qualify for an Introductory APR, your APR will be\n8.90% to 18.00% , based on your creditworthiness.\n\nAPR for Cash Advances\n\nVisa Secured\n14.90%\nVisa Platinum\n1.90% to 5.90% Introductory APR, for qualifying members, for a period of\n12 billing cycles, based on your creditworthiness.\nAfter that, or if you do not qualify for an Introductory APR, your APR will be\n11.90% to 18.00% , based on your creditworthiness.\nVisa Secured\n17.90%\n\nPenalty APR and When it Applies\n\nVisa Platinum\nNone\nVisa Secured\nNone\n\nHow to Avoid Paying Interest on\nPurchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will\nnot charge you any interest on purchases if you pay your entire balance by\nthe due date each month.\n\nMinimum Interest Charge\nFor Credit Card Tips from the\nConsumer Financial Protection Bureau\n\nIf you are charged interest, the charge will be no less than $1.00.\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection\nBureau at http://www.consumerfinance.gov/learnmore.\n\nFees\nAnnual Fee\n- Annual Fee\n\nNone\nSEE NEXT PAGE for more important information about your account.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04208549-MXC10-C-1-030220 (MXC101-E)\n\n\x0cTransaction Fees\n- Balance Transfer Fee\n- Cash Advance Fee\n- Foreign Transaction Fee\nPenalty Fees\n- Late Payment Fee\n- Over-the-Credit Limit Fee\n- Returned Payment Fee\n\nNone\nNone\n1.00% of each transaction in U.S. dollars\nUp to $25.00\nNone\nUp to $32.00\n\nHow We Will Calculate Your Balance:\nWe use a method called "average daily balance (including new purchases)."\nPromotional Period for Introductory APR - Visa Platinum:\nThe Introductory APR for purchases, balance transfers, and cash advances will apply to transactions posted to your\naccount during the first 12 billing cycles following the opening of your account. Any existing balances on FirstLight Federal\nCredit Union credit card accounts are not eligible for the Introductory APR for balance transfers.\nMinimum Interest Charge:\nThe minimum interest charge will be charged on any dollar amount.\nEffective Date:\nThe information about the costs of the card described in this application is accurate as of: March 05, 2020\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Platinum and Visa Secured are secured credit cards. Credit extended under\nthis credit card account is secured by various personal property and money including, but not limited to: (a) any\ngoods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a\nseparate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union\nexcluding shares in an Individual Retirement Account or in any other account that would lose special tax\ntreatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union\nexcluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during any periods when\nyou are a covered borrower under the Military Lending Act your credit card will be secured by any specific\nPledge of Shares you grant us but will not be secured by all shares you have in any individual or joint account\nwith the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish your credit card\naccount when you are not a covered borrower; or (ii) you cease to be a covered borrower.\nOther Fees & Disclosures:\nAll of these fees will be charged to Your Credit Card Account.\nStop Payment Fee:\n$32.00.\nReturned Payment Fee:\n$28.00 or the amount of the required minimum payment, whichever is less. In the event a payment is returned in the same\nor in any of the six billing cycles following the initial violation, you will be charged $32.00 or the amount of the required\nminimum payment, whichever is less.\nRush Fee:\n$30.00.\nLate Payment Fee:\n$25.00 or the amount of the required minimum payment, whichever is less, if you are one or more days late in making a\npayment.\nCard Replacement Fee:\n$10.00.\nDocument Copy Fee:\n$5.00.\nSEE NEXT PAGE for more important information about your account.\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04208549-MXC10-C-1-030220 (MXC101-E)\n\n\x0cStatement Copy Fee:\n$5.00.\nPay-by-Phone Fee:\n$5.00 when payment is processed by a live agent. There is no fee when you process the payment yourself via online\nbanking.\nExpedited Payment Fee:\n$5.00.\nReturned Visa Statement:\n$5.00.\n\n\xc2\xa9 CUNA Mutual Group 2009, 10, 12, 16 All Rights Reserved\n\n04208549-MXC10-C-1-030220 (MXC101-E)\n\n\x0c'


b'CONSUMER\nCREDIT CARD\nAGREEMENT\nAND\nDISCLOSURE\nVISA\nThis Consumer Credit Card Agreement and Disclosure together with the Account Opening Disclosure and any other\nAccount opening documents or any subsequent documents provided to You related to this Account (hereinafter\ncollectively referred to as \xe2\x80\x9cAgreement\xe2\x80\x9d) govern the terms and conditions of this Account. \xe2\x80\x9cWe,\xe2\x80\x9d \xe2\x80\x9cUs,\xe2\x80\x9d \xe2\x80\x9cOur\xe2\x80\x9d and \xe2\x80\x9cOurs\xe2\x80\x9d and\n\xe2\x80\x9cCredit Union\xe2\x80\x9d refers to Dominion Energy Credit Union with which this Agreement is made. \xe2\x80\x9cYou,\xe2\x80\x9d \xe2\x80\x9cYour,\xe2\x80\x9d and \xe2\x80\x9cYours\xe2\x80\x9d\nrefers to each applicant and co-applicant for the Account; any person responsible for paying the Account; and anyone You\nauthorize to use, access or service the Account. "Card" means the Visa\xc2\xae credit card and any other access devices,\nduplicates, renewals, or substitutions, including convenience checks, the Credit Union issues to You. "Account" means\nthe line of credit established by this Agreement and includes Your Card.\nSECURITY INTEREST\nYou grant the Credit Union a security interest under the Uniform Commercial Code and under any common law rights\nthe Credit Union may have in any goods You purchase.\nIf You give the Credit Union a specific pledge of shares by signing a separate pledge of shares, Your pledged shares\nwill secure Your Account. You may not withdraw amounts that have been specifically pledged to secure Your Account\nuntil the Credit Union agrees to release all or part of the pledged amount.\nYou grant Us a security interest in all individual and joint share and/or deposit accounts You have with Us now\nand in the future to secure Your credit card Account. Shares and deposits in an IRA or any other account that\nwould lose special tax treatment under state or federal law if given as security are not subject to the security\ninterest You have given in Your shares and deposits. You may withdraw these other shares unless You are in\ndefault. When You are in default, You authorize Us to apply the balance in these accounts to any amounts due.\nFor example, if You have an unpaid credit card balance, You agree We may use funds in Your account(s) to pay\nany or all of the unpaid balance. You acknowledge and agree that Your pledge does not apply during any\nperiods when You are a covered borrower under the Military Lending Act. For clarity, You will not be deemed a\ncovered borrower, and Your pledge will apply, if: (i) You established Your credit card Account when You were\nnot a covered borrower; or (ii) You cease to be a covered borrower.\nUnless otherwise prohibited by federal and/or state law, collateral securing other loans You have with the Credit Union\nmay also secure this loan, except that a dwelling will never be considered as security for this Account, notwithstanding\nanything to the contrary in any other Agreement.\n1. USING YOUR ACCOUNT \xe2\x80\x94 By using the Account or keeping the Card, You agree to the terms of this Agreement.\nYou agree to use Your Account in accordance with this Agreement. Your Account must only be used for lawful\ntransactions.\n2. CREDIT LIMIT \xe2\x80\x94 We may establish a credit limit as part of this Agreement, which You promise not to exceed. If You\nexceed the credit limit, You promise to repay immediately the amount which exceeds the credit limit, including amounts\ndue to finance charges, fees or other charges. You may request a credit limit increase on Your Account only by a method\nacceptable to the Credit Union. We may increase or decrease Your credit limit, refuse to make an advance and/or\nterminate Your Account at any time for any reason permitted by law.\n3. CONVENIENCE CHECKS \xe2\x80\x94 We may, from time to time, issue convenience checks to You that may be drawn on\nYour Account. Convenience checks may not be used to make a payment on Your Account. If You use a convenience\ncheck, it will be posted to Your Account as a cash advance. We reserve the right to refuse to pay a convenience check\ndrawn on Your Account for any reason and such refusal shall not constitute wrongful dishonor. You may request that We\nstop the payment of a convenience check drawn on Your Account. You agree to pay any fee as identified in this\nAgreement imposed to stop a payment on a convenience check issued on Your Account. You may make a stop payment\nrequest orally, if permitted, or in writing. Your request must be made with sufficient time in advance of the presentment of\nthe check for payment to give Us a reasonable opportunity to act on Your request. In addition, Your request must\n\xc2\xa9 CUNA Mutual Group 1991, 2006, 09, 10, 12, 14, 16 All Rights Reserved\n\n04505433-MXC30-P-1-111417 (MXC303-E)\n\n\x0caccurately describe the check including the exact Account number, the payee, any check number that may be applicable,\nand the exact amount of the check. If permitted, You may make a stop payment request orally but such a request will\nexpire after 14 days unless You confirm Your request in writing within that time. Written stop payment orders are effective\nonly for six months and may be renewed for additional six month periods by requesting in writing that the stop payment\norder be renewed. We are not required to notify You when a stop payment order expires.\nIf We re-credit Your Account after paying a check over a valid and timely stop payment order, You agree to sign a\nstatement describing the dispute with the payee, to assign to Us all of Your rights against the payee or other holders of\nthe check and to assist Us in any legal action.\nYou agree to indemnify and hold Us harmless from all costs and expenses, including attorney\'s fees, damages, or claims,\nrelated to Our honoring Your stop payment request or in failing to stop payment of an item as a result of incorrect\ninformation provided to Us or the giving of inadequate time to act upon a stop payment request. Note: A convenience\ncheck is not a check as that term is defined under the Uniform Commercial Code. It is an advance from Your credit card\nAccount with Us and Your stop payment rights are provided under this Agreement with Us.\n4. REPAYMENT \xe2\x80\x94 You promise to repay all amounts You owe under this Agreement. Your promise to repay includes\nall transactions made to Your Account by You or anyone You authorize to use Your Account as well as all interest\ncharges and fees.\nFor each billing period, You must pay at least the Minimum Payment Due by the Payment Due Date.\nThe Minimum Payment Due is 3.00% of Your total New Balance, or $25.00, whichever is greater, plus any amount past\ndue and any amount by which You have exceeded Your applicable credit limit. If Your total New Balance is less than\n$25.00, then Your Minimum Payment Due is the amount of the total New Balance.\nYou may pay more frequently, pay more than the Minimum Payment Due or pay the total New Balance in full.\nIf You make extra or larger payments, You are still required to make at least the Minimum Payment Due each month Your\nAccount has a balance (other than a credit balance). The Credit Union may delay replenishing Your credit limit until the\ndate the payment is posted or the Credit Union confirms the payment has cleared.\nYour payment of the required Minimum Payment Due may be applied to what You owe the Credit Union in any manner\nthe Credit Union chooses, as permitted by applicable law. If You make a payment in excess of the required Minimum\nPayment Due, the Credit Union will allocate the excess amount first to the balance with the highest annual percentage\nrate (\xe2\x80\x9cAPR\xe2\x80\x9d) and any remaining portion to the other balances in descending order based on applicable APR, unless\notherwise prescribed by applicable law. We may accept checks marked "payment in full" or with words of similar effect\nwithout losing any of Our rights to collect the full balance of Your Account with Us.\n5. INTEREST AND FINANCE CHARGES \xe2\x80\x94 We will begin charging You interest on purchases on the date the\ntransaction is posted to Your Account. We will begin charging You interest on cash advances and balance transfers on\nthe date of the transaction or the first day of the billing cycle in which the transaction is posted to Your Account, whichever\nis later (transaction date). However, We will not charge You any interest on new purchases if Your Account had a zero or\ncredit balance at the beginning of that billing cycle, or You paid the entire new balance on the previous cycle\'s billing\nstatement by the Payment Due Date of that statement. To avoid an additional finance charge on the balance of\npurchases, You must pay the entire new balance on the billing statement by the Payment Due Date of that statement.\nHow We Calculate Your Balance:\nInterest charges on Your Account are calculated separately for purchases, balance transfers and cash advances\n(\xe2\x80\x9cTransaction Type\xe2\x80\x9d). We figure the interest charge for each Transaction Type by applying the periodic rate to each\ncorresponding \xe2\x80\x9caverage daily balance.\xe2\x80\x9d To get the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for a Transaction Type We take the beginning\nbalance for that Transaction Type each day, add any new transactions of that type, and subtract any unpaid interest or\nother finance charges and any applicable payments or credits. This gives Us the daily balance for each Transaction Type.\nThen, for each Transaction Type, We add up all the daily balances for the billing cycle and divide each total by the\nnumber of days in the billing cycle. This gives Us the \xe2\x80\x9caverage daily balance\xe2\x80\x9d for each Transaction Type.\n6. FEES \xe2\x80\x94 In addition to the periodic rate, additional fees may be imposed on Your Account. If applicable to Your\nAccount, the fee amounts and explanations are disclosed on the Account Opening Disclosure accompanying this\nAgreement.\n7. FOREIGN TRANSACTIONS \xe2\x80\x94 Purchases and cash advances made in foreign currencies will be debited from Your\nAccount in U.S. dollars. The exchange rate between the transaction currency and the billing currency used for processing\ninternational transactions is a rate selected by Visa from a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate Visa itself receives or the government-mandated\nrate in effect for the applicable central processing date. The exchange rate used on the processing date may differ from\nthe rate that would have been used on the purchase date or cardholder statement posting date.\nA fee (finance charge) will be charged on all transactions completed in a foreign currency. All fees are calculated based\non the transaction amount after it is converted to U.S. dollars. These fees are charged except where excluded. The\nForeign Transaction Fee is set forth on the Disclosure accompanying this Agreement.\nPage 2 of 6\n\n04505433-MXC30-P-1-111417 (MXC303-E)\n\n\x0c8. AUTHORIZATIONS \xe2\x80\x94 We do not guarantee authorization of a transaction, either by Us or by a third party, even if\nYou have sufficient credit available. You agree that We will not be liable for failing to give an authorization. We also\nreserve the right to limit the number of transactions that may be approved in one day. We reserve the right to deny certain\ntransactions for any reason and at Our sole discretion, including for default, suspected fraudulent or unlawful activity,\ninternet gambling or any indication of increased risk related to the transaction or the Account. You agree that We have no\nrequirement to notify You of the specific reason We denied a transaction. If We detect unusual or suspicious activity, We\nmay suspend Your credit privileges until We can verify the activity, or We may close the Account.\n9. INFORMATION UPDATING SERVICE AND AUTHORIZATIONS \xe2\x80\x94 If You have authorized a merchant to bill charges\nto Your Card on a recurring basis, it is Your responsibility to notify the merchant in the event Your Card is replaced, Your\nAccount information (such as Card number or expiration date) changes, or Your Account is closed. However, if Your Card\nis replaced or Your Account information changes, You authorize Us, without obligation on Our part, to provide the updated\nAccount information to the merchant in order to permit the merchant to bill recurring charges to Your Card. You authorize\nUs to apply such recurring charges to Your Card until You notify Us that You have revoked authorization for the charges\nto Your Card.\nYour Card is automatically enrolled in an information updating service. Through this service, Your updated Account\ninformation (such as Card number or expiration date) may be shared with participating merchants to facilitate continued\nrecurring charges. Updates are not guaranteed before Your next payment to a merchant is due. You are responsible for\nmaking direct payment until recurring charges resume. To revoke Your authorization allowing Us to provide updated\nAccount information to a merchant, please contact Us.\n10. PREAUTHORIZED CHARGES \xe2\x80\x94 We may suspend preauthorized recurring charges with merchants if, for example,\nYour Card is lost or stolen, You default, or We change Your Account for any reason. If preauthorized recurring charges\nare suspended, You are responsible for making direct payment for such charges until You contact the merchant to\nreinstate recurring charges.\n11. DEFAULT \xe2\x80\x94 You will be in default under this Agreement if You fail to pay the Minimum Payment Due by its Payment\nDue Date; pay by a check or similar instrument that is not honored or that We must return because it cannot be\nprocessed; pay by automatic debit that is returned unpaid; make any false or misleading statements in any credit\napplication or credit update; file for bankruptcy; or die. You will also be in default if You fail to comply with the terms of this\nAgreement or any other Agreement You have with Us.\nIf You default, We may close Your Account and require You to pay any unpaid balance immediately, subject to applicable\nlaw. In this Agreement and on Your Credit Card Application, You gave Us a security interest in all individual or joint share\nand/or deposit accounts with the Credit Union and authorized Us, if You defaulted, to apply the balance in these accounts\nto any amounts due. You agree We may rely on Your agreement and authorization to, upon Your default, apply any\nbalance to any amounts due on Your Account.\n12. LIABILITY FOR UNAUTHORIZED USE-LOST/STOLEN CARD NOTIFICATION \xe2\x80\x94 If You notice the loss or theft of\nYour credit card or a possible unauthorized use of Your Card, You should write to Us immediately at PO Box 31112,\nTampa, FL, 33631-3112 or call Us at (800) 449-7728, seven days a week 24 hours a day.\nYou will not be liable for any unauthorized use that occurs after You notify Us. You may, however, be liable for\nunauthorized use that occurs before Your notice to Us. You will have no liability for unauthorized use unless You are\nfound to be fraudulent or negligent in the handling of Your Account or Card. In any case, Your liability for unauthorized\ntransactions will not exceed $50.\n13. CHANGING OR TERMINATING YOUR ACCOUNT \xe2\x80\x94 As permitted by law, the Credit Union may change the terms\nof this Agreement and any attached Disclosure from time to time. Notice of any change will be given in accordance with\napplicable law. To the extent permitted by law, changes to the Agreement may apply to Your existing account balance as\nwell as to future transactions.\nArizona, California, Idaho, Louisiana, New Mexico, Nevada, Texas, Washington, and Wisconsin Residents - Either\nYou, Your spouse or the Credit Union may terminate this Agreement at any time, but termination by You, Your spouse or\nthe Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges You or Your\nspouse owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You\nowe under this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card\nor Cards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\nResidents of all other states - Either You or the Credit Union may terminate this Agreement at any time, but termination\nby You or the Credit Union will not affect Your obligation to pay the account balance plus any finance and other charges\nYou owe under this Agreement. Your obligation to pay the account balance plus any finance and other charges You owe\nunder this agreement are subject to all applicable laws and regulations regarding repayment requirements. The Card or\nCards You receive remain the property of the Credit Union and You must recover and surrender to the Credit Union all\nCards upon request or upon termination of this Agreement whether by You or the Credit Union.\n14. AUTHORIZED USERS \xe2\x80\x94 Upon Your request, We may issue additional Cards for authorized users that You\ndesignate. You must notify Us in writing of any termination of an authorized user\'s right to access Your Account. Your\nPage 3 of 6\n\n04505433-MXC30-P-1-111417 (MXC303-E)\n\n\x0cnotice must include the name of the authorized user and Your Account number and/or any subaccount number issued to\nthe authorized user along with the authorized user\'s Card and any convenience or other access checks issued to the\nauthorized user. If You cannot return the authorized user\'s Card or access checks and if You request Your Account to be\nclosed, We will close Your Account and You may apply for a new Account. Alternatively, We may, at Our sole discretion,\nissue You a new Account number and a new Card.\n15. CREDIT REPORTS AND NOTICE OF NEGATIVE INFORMATION \xe2\x80\x94 You authorize the Credit Union to obtain credit\nreports and any other information We may need to verify Your identity and use of the Account when opening Your\nAccount and for any update, increase, renewal, extension, collection or review of Your Account. You authorize the Credit\nUnion to disclose information regarding Your Account to credit bureaus and creditors who inquire about Your credit\nstanding. We may report information about Your Account to credit bureaus. Late payments, missed payments, or other\ndefaults on Your Account may be reflected on Your credit report.\n16. JOINT ACCOUNTS \xe2\x80\x94 If this is a joint Account, each of You will be individually and jointly responsible for paying all\namounts owed under this Agreement. This means that the Credit Union can require any one of You individually to repay\nthe entire amount owed under this Agreement. Each of You authorizes the other(s) to make transactions on the Account\nindividually. Any one of You may terminate the Account and the termination will be effective as to all of You.\n17. EFFECT OF AGREEMENT \xe2\x80\x94 This Agreement is the contract which applies to all transactions on Your Account even\nthough the sales, cash advances, credit or other slips You sign or receive may contain different terms.\n18. SEVERABILITY AND FINAL EXPRESSION \xe2\x80\x94 This Agreement is the final expression of the terms and conditions of\nYour Account. This written Agreement may not be contradicted by evidence of any alleged oral Agreement. Should any\npart of this Agreement be found to be invalid or unenforceable, all other parts of this Agreement shall remain in effect and\nfully enforceable to the fullest extent possible under this Agreement.\n19. ILLEGAL TRANSACTIONS PROHIBITED \xe2\x80\x94 You agree that You will not use Your Card for any transaction, including\nany type of electronic gambling transaction through the Internet, that is illegal under applicable federal, state, or local law.\nEven if You use Your Card for an illegal transaction, You will be responsible for all amounts and charges incurred in\nconnection with the transaction. This paragraph shall not be interpreted as permitting or authorizing any transaction that is\nillegal.\n20. APPLICABLE LAW \xe2\x80\x94 The terms and enforcement of this Agreement shall be governed by federal law and the law of\nVirginia.\n21. ENFORCING THIS AGREEMENT \xe2\x80\x94 We can delay in enforcing or fail to enforce any of Our rights under this\nAgreement without losing them.\n22. COLLECTION COSTS \xe2\x80\x94 If We refer collection of Your Account to a lawyer who is not Our salaried employee, You\nare liable for any reasonable attorney\xe2\x80\x99s fees We incur, plus the costs and expenses of any legal action, as further\ndisclosed on this Agreement, or to the extent allowed by law.\n23. ASSIGNMENT \xe2\x80\x94 We may assign any or all of Our rights and obligations under this Agreement to a third party.\n24. CALIFORNIA RESIDENTS \xe2\x80\x94 A married applicant may apply for a separate Account. Applicants: 1) may, after credit\napproval, use the credit card Account up to its credit limit; 2) may be liable for amounts extended under the plan to any\njoint applicant. As required by law, You are hereby notified that a negative credit report reflecting on Your credit record\nmay be submitted to a credit reporting agency if You fail to fulfill the terms of Your credit obligations.\n25. FLORIDA RESIDENTS \xe2\x80\x94 You (borrower) agree that, should We obtain a judgment against You, a portion of\nYour disposable earnings may be attached or garnished (paid to Us by Your employer), as provided by Florida\nand Federal law.\n26. MARYLAND RESIDENTS \xe2\x80\x94 To the extent, if any, that Maryland law applies to Your Account, We elect to offer Your\nCard Account pursuant to Title 12, Subtitle 9 of the Maryland Commercial Law Article.\n27. MISSOURI RESIDENTS \xe2\x80\x94 Oral Agreements or commitments to loan money, extend credit or to forbear from\nenforcing repayment of a debt including promises to extend or renew such debt are not enforceable. To protect\nYou (borrower(s)) and Us (creditor) from misunderstanding or disappointment, any Agreements We reach\ncovering such matters are contained in this writing, which is the complete and exclusive statement of the\nAgreement between Us, except as We may later agree in writing to modify it.\n28. NEW YORK RESIDENTS \xe2\x80\x94 We may obtain a credit report in connection with this Account, including for any review,\nmodification, renewal or collections associated with this Account. Upon Your request, You will be informed whether such\nreport was requested and, if so, the name and address of the consumer reporting agency furnishing the report. New York\nresidents may contact the New York State Banking Department at 800.342.3736 or www.dfs.ny.gov to obtain a\ncomparative listing of credit card rates, fees and grace periods.\n29. OHIO RESIDENTS \xe2\x80\x94 The Ohio laws against discrimination require that all creditors make credit equally available to\nall creditworthy customers and that credit reporting agencies maintain separate credit histories on each individual upon\nrequest. The Ohio Civil Rights Commission administers compliance with this law.\nPage 4 of 6\n\n04505433-MXC30-P-1-111417 (MXC303-E)\n\n\x0c30. SOUTH DAKOTA RESIDENTS \xe2\x80\x94 If You believe there have been any improprieties in making this loan or in the\nlender\xe2\x80\x99s loan practices, You may contact the South Dakota Division of Banking at 1601 N. Harrison Ave, Suite 1, Pierre,\nSD 57501, or by phone at 605.773.3421.\n31. WISCONSIN RESIDENTS \xe2\x80\x94 If You are married, please contact Us immediately upon receipt of this Agreement at the\naddress or phone number listed on this Agreement and provide Us with the name and address of Your spouse. We are\nrequired to inform Your spouse that We have opened an Account for You.\n32. NOTICE TO UTAH BORROWERS \xe2\x80\x94 This written Agreement is a final expression of the Agreement between You\nand the Credit Union. This written Agreement may not be contradicted by evidence of any oral Agreement. As required by\nlaw, You are hereby notified that a negative credit report reflecting on Your credit record may be submitted to a credit\nreporting agency if You fail to fulfill the terms of Your credit obligations.\n33. THE FOLLOWING IS REQUIRED BY VERMONT LAW \xe2\x80\x94 NOTICE TO CO-SIGNER \xe2\x80\x94 YOUR SIGNATURE ON\nTHIS NOTE MEANS THAT YOU ARE EQUALLY LIABLE FOR REPAYMENT OF THIS LOAN. IF THE BORROWER\nDOES NOT PAY, THE LENDER HAS A LEGAL RIGHT TO COLLECT FROM YOU.\n\nPage 5 of 6\n\n04505433-MXC30-P-1-111417 (MXC303-E)\n\n\x0cYour Billing Rights: Keep this Document for Future Use\nThis notice tells You about Your rights and Our responsibilities under the Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf You think there is an error on Your statement, write to Us at the address listed on Your statement.\nIn Your letter, give Us the following information:\n\n- Account information: Your name and Account number.\n\n- Dollar amount: The dollar amount of the suspected error.\n- Description of problem: If You think there is an error on Your bill, describe what You believe is wrong and why You\nbelieve it is a mistake.\nYou must contact Us:\n- Within 60 days after the error appeared on Your statement.\n- At least three business days before an automated payment is scheduled, if You want to stop payment on the amount\nYou think is wrong.\nYou must notify Us of any potential errors in writing or electronically. You may call Us, but if You do We are not required\nto investigate any potential errors and You may have to pay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen We receive Your letter, We must do two things:\n1. Within 30 days of receiving Your letter, We must tell You that We received Your letter. We will also tell You if We have\nalready corrected the error.\n2. Within 90 days of receiving Your letter, We must either correct the error or explain to You why We believe the bill is\ncorrect.\nWhile We investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report You as delinquent on that amount.\n- The charge in question may remain on Your statement, and We may continue to charge You interest on that amount.\n- While You do not have to pay the amount in question, You are responsible for the remainder of Your balance.\n- We can apply any unpaid amount against Your credit limit.\nAfter We finish Our investigation, one of two things will happen:\n- If We made a mistake: You will not have to pay the amount in question or any interest or other fees related to that\namount.\n- If We do not believe there was a mistake: You will have to pay the amount in question, along with applicable\ninterest and fees. We will send You a statement of the amount You owe and the date payment is due. We may then\nreport You as delinquent if You do not pay the amount We think You owe.\nIf You receive Our explanation but still believe Your bill is wrong, You must write to Us within 10 days telling Us that You\nstill refuse to pay. If You do so, We cannot report You as delinquent without also reporting that You are questioning Your\nbill. We must tell You the name of anyone to whom We reported You as delinquent, and We must let those organizations\nknow when the matter has been settled between Us.\nIf We do not follow all of the rules above, You do not have to pay the first $50 of the amount You question even if Your bill\nis correct.\nYour Rights if You Are Dissatisfied With Your Credit Card Purchases\nIf You are dissatisfied with the goods or services that You have purchased with Your credit card, and You have tried in\ngood faith to correct the problem with the merchant, You may have the right not to pay the remaining amount due on the\npurchase.\nTo use this right, all of the following must be true:\n1. The purchase must have been made in Your home state or within 100 miles of Your current mailing address, and the\npurchase price must have been more than $50. (Note: Neither of these are necessary if Your purchase was based on\nan advertisement We mailed to You, or if We own the company that sold You the goods or services.)\n2. You must have used Your credit card for the purchase. Purchases made with cash advances from an ATM or with a\ncheck that accesses Your credit card Account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and You are still dissatisfied with the purchase, contact Us in writing or electronically at\nthe address listed on Your statement.\nWhile We investigate, the same rules apply to the disputed amount as discussed above. After We finish Our investigation,\nWe will tell You Our decision. At that point, if We think You owe an amount and You do not pay, We may report You as\ndelinquent.\nPage 6 of 6\n\n04505433-MXC30-P-1-111417 (MXC303-E)\n\n\x0c'


b'Visa\xc2\xae Credit Card\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\nfor Purchases\n\nVisa Platinum\n\n0% Introductory APR for a period of eighteen (18) billing cycles.\nAfter that your APR will be\n\n7.90%, 9.90%, 12.90% or 16.90%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\nVisa Platinum Rewards\n\n0% Introductory APR for a period of eighteen (18) billing cycles.\n\nAfter that your APR will be\n\n8.90%, 10.90%, 13.90% or 17.90%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\nVisa Cash Rewards\n\n0% Introductory APR for a period of eighteen (18) billing cycles.\n\nAfter that your APR will be\n\n9.90%, 11.90%, 14.90% or 18.90%, based on your creditworthiness.\nThis APR will vary with the market based on the Prime Rate.\n\nAPR for Cash Advances\n\nVisa Platinum\n0% Introductory APR for a period of eighteen (18) billing cycles.\nAfter that your APR will be 7.90%, 9.90%, 12.90% or 16.90%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate.\nVisa Platinum Rewards\n0% Introductory APR for a period of eighteen (18) billing cycles.\nAfter that your APR will be 8.90%, 10.90%, 13.90% or 17.90%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate.\nVisa Cash Rewards\n0% Introductory APR for a period of eighteen (18) billing cycles.\nAfter that your APR will be 9.90%, 11.90%, 14.90% or 18.90%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate.\n\nAPR for Balance Transfers\n\nVisa Platinum\n0% Introductory APR for a period of eighteen (18) billing cycles.\nAfter that your APR will be 7.90%, 9.90%, 12.90% or 16.90%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate.\nVisa Platinum Rewards\n0% Introductory APR for a period of eighteen (18) billing cycles.\nAfter that your APR will be 8.90%, 10.90%, 13.90% or 17.90%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate.\nVisa Cash Rewards\n0% Introductory APR for a period of eighteen (18) billing cycles.\nAfter that your APR will be 9.90%, 11.90%, 14.90% or 18.90%, based on your\ncreditworthiness. This APR will vary with the market based on the Prime Rate.\n\n2 of 4\n\n\x0cVisa\xc2\xae Credit Card\nAPPLICATION AND SOLICITATION DISCLOSURE\nInterest Rates and Interest Charges\nPenalty APR and\nWhen It Applies\n\nVisa Platinum\n19.90%\nThis APR will vary with the market based on the Prime Rate.\nVisa Platinum Rewards\n20.90%\nThis APR will vary with the market based on the Prime Rate.\nVisa Cash Rewards\n21.90%\nThis APR will vary with the market based on the Prime Rate.\nThis APR may be applied to the entire balance on your account if you:\n\xe2\x80\xa2 Make a late payment\nHow long will the penalty APR apply? If your APRs are increased for this reason,\nthe penalty APR will apply until you make at least six (6) consecutive minimum\npayments when due.\n\nHow to Avoid Paying Interest\non Purchases\n\nYour due date is at least 25 days after the close of each billing cycle. We will not\ncharge you any interest on purchases if you pay your entire balance by the due date\neach month.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips From\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a\ncredit card, visit the website of the Consumer Financial Protection Bureau\nat http://www.consumerfinance.gov/learnmore.\n\nFees\nSet-up and Maintenance Fees\n\xe2\x80\xa2 Annual Fee\n\xe2\x80\xa2 Account Set-up Fee\n\xe2\x80\xa2 Program Fee\n\xe2\x80\xa2 Participation Fee\n\xe2\x80\xa2 Additional Card Fee\n\xe2\x80\xa2 Application Fee\n\nNone\nNone\nNone\nNone\nNone\nNone\n\nTransaction Fees\n\xe2\x80\xa2 Balance Transfer Fee\n\xe2\x80\xa2 Cash Advance/ATM Fee\n\xe2\x80\xa2 Foreign Transaction Fee\n\xe2\x80\xa2 Transaction Fee for Purchases\n\n2% or $10.00, whichever is greater\n2% or $10.00, whichever is greater\n1% of each transaction in U.S. dollars\nNone\n\nPenalty Fees\n\xe2\x80\xa2 Late Payment Fee\n\xe2\x80\xa2 Over-the-Credit-Limit Fee\n\xe2\x80\xa2 Returned Payment Fee\n\nUp to $37.00\n$25.00\n$25.00\n\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nLoss of Introductory APR: We may end your Introductory APR for purchases, balance transfers and cash advances and\napply the penalty APR if you are 60 days late in making a payment.\nApplication of Penalty APR: Your APR may be increased to the disclosed penalty APR if you are 60 days late in making\na payment or make a payment that is returned.\n\n3 of 4\n\n\x0cVisa\xc2\xae Credit Card\nAPPLICATION AND SOLICITATION DISCLOSURE\nEffective Date\nThe information about the costs of the card described in this application is accurate as of October 3, 2020.\nThis information may have changed after that date. To find out what may have changed, contact the Credit Union.\nFor California Borrowers, the Visa Platinum, Visa Platinum Rewards and Visa Cash Rewards are secured credit\ncards. Credit extended under this credit card account is secured by various personal property and money\nincluding, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge\nas collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint\naccount with the Credit Union excluding shares in an Individual Retirement Account or in any other account that\nwould lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with\nthe Credit Union excluding dwellings. Notwithstanding the foregoing, you acknowledge and agree that during\nany periods when you are a covered borrower under the Military Lending Act your credit card will be secured\nby any specific Pledge of Shares you grant us but will not be secured by all shares you have in any individual or\njoint account with the Credit Union. For clarity, you will not be deemed a covered borrower if: (i) you establish\nyour credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.\nOther Disclosures\nLate Payment Fee\nOver-the-Credit-Limit Fee\nReturned Payment Fee\nStatement Copy Fee\nDocument Copy Fee\nRush Fee\nEmergency Card Replacement Fee\nPIN Replacement Fee\nCard Replacement Fee\nUnreturned Card Fee\nStop Payment for Convenience Check Fee\nMinimum payment due\n\nInter-Office Address\nVA-Credit Union Operations \xe2\x80\x93 Boulders\n\n$37.00 or the amount of the required minimum payment, whichever is less.\n$25.00\n$25.00 or the amount of the required minimum payment, whichever is less.\n$5.00\n$5.00\n$30.00\n$30.00\nNone\n$10.00\nNone\n$20.00\n3% or $25, whichever is greater\n\nPlease complete and fax or mail the application to:\nDominion Energy Credit Union\nP.O. Box 26646, Richmond, VA 23261-6646\nPhone: 800-268-6928 \xe2\x80\xa2 Fax: 804-521-2510\n4 of 4\n\n\x0c'


b'UMassFive College Federal Credit Union\n200 Westgate Center Drive / PO Box 1060\nHadley, MA 01035\n(800) 852-5886\nwww.umassfive.coop\n\nAPPLICATION AND SOLICITATION DISCLOSURES\n\nIMPORTANT CREDIT CARD DISCLOSURES\nThe following disclosure represents important details concerning your credit card. The information about costs of the card are\naccurate as of April 1, 2020\n. You can contact us toll free at (800) 852-5886 to inquire if any changes occurred since the\neffective date.\nINTEREST RATES and INTEREST CHARGES:\nLow Rate VISA Platinum\nAnnual Percentage Rate\n(APR) for Purchases &\nBalance Transfers\ndepending on your credit history.\nThis APR will vary with the market\nbased on the Prime Rate.\nAPR for Cash Advances\n9.75%, 10.75%, 11.75%, or 13.75%\ndepending on your credit history.\nThis APR will vary with the market\nbased on the Prime Rate.\n\n9.75%, 10.75%,\n11.75%, or 13.75%\n\nCash Back VISA Signature\n\n12.75%, 13.75%, 14.75%,\n16.75%, or 18.00%\ndepending on your credit history.\nThis APR will vary with the market based on\nthe Prime Rate.\n14.75%, 15.75%, 16.75%, or 18.00%\ndepending on your credit history.\nThis APR will vary with the market\nbased on the Prime Rate.\n\nPaying Interest\n\nYour due date is at least 21 days after we mail your billing statement. We will not charge you\ninterest on purchases if you pay your entire new purchase balance by the due date each\nmonth, otherwise we will charge you interest as of the date the purchase transaction posted\nto your account. We will begin charging interest on cash advances and balance transfers on\nthe date the transaction posts to your account.\n\nMinimum Interest Charge\n\nNone\n\nFor Credit Card Tips from\nthe Consumer Financial\nProtection Bureau\n\nTo learn more about factors to consider when applying for or using a credit card, visit\nthe website of the Consumer Financial Protection Bureau at\nhttp://www.consumerfinance.gov/learnmore\n\nFEES:\nCash Back VISA Signature\n\nLow Rate VISA Platinum\nFees to Open or Maintain\nyour Account\n- Annual Fee:\n- Application Fee:\nTransaction Fees\n- Balance Transfer:\n- Cash Advance:\n- Foreign Transaction:\n\nPenalty Fees\n- Late Payment:\n\n- Over-the-Credit Limit:\n- Returned Payment:\n\nNone\nNone\n\nNone\nNone\n\nNone\n$10.00 or 3.00% of the amount of each cash\nadvance, whichever is greater.\n1.00% of each transaction in U.S. dollars if\nthe transaction involves a currency\nconversion; 0.80% of each transaction in\nU.S. dollars if the transaction does not\ninvolve a currency conversion.\n\n3% of the amount of each transfer (maximum: $30.00)\n$10.00 or 3.00% of the amount of each cash\nadvance, whichever is greater.\nNone\n\nUp to $27.00 or the amount of the required minimum payment, whichever is less, if you are\none (1) or more days late in making a payment. In the event you fail to make a payment on\ntime in any of the six (6) billing cycles following the initial violation, you will be charged up to\n$38.00 or the amount of the required minimum payment, whichever is less.\nNone\nUp to $27.00 the first time your payment is returned for any reason within the following 6\nbilling cycles, you will be charged up to $38.00 for each returned payment.\n\nHow We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."\nMinimum Payment Requirement: $25.00 or 2% of balance plus the full amount of any balance in excess of your credit limit.\n9009 LASER DP FI16547 Rev 3-2020\n\nCOPYRIGHT 2009 Securian Financial Group, Inc. All rights reserved.\n\n\x0c'


b'9/14/2021\n\nLow-Rate Platinum Visa\xc2\xae Credit Card Disclosures & Details | UMassFive\n\n> Personal (/personal) > Credit Cards (/personal/credit-cards)\n> Visa\xc2\xae Low Rate Platinum (/personal/credit-cards/visar-low-rate-platinum)\n> Low Rate Platinum Visa\xc2\xae Credit Card Disclosures & Details\n\nLow-Rate Platinum Visa\xc2\xae Credit Card\nDisclosures & Details\n\nDisclosures\nThe current prime rate is: 3.25%. Rates effective as of September 7, 2021. Rates subject to change at\nany time.\n\n\xe2\x80\xa2 Variable rates subject to change. Rates are based on an index of Prime Rate plus a margin of 6.50%,\n7.50%, 8.50%, or 10.50% based on your credit score.\n\xe2\x80\xa2 Total amount of all unsecured loans and lines of credit may not exceed $50,000 per member.\nhttps://www.umassfive.coop/personal/credit-cards/low-rate-platinum/low-rate-platinum-visa-credit-card-large-print-disclosures\n\n1/4\n\n\x0c9/14/2021\n\nLow-Rate Platinum Visa\xc2\xae Credit Card Disclosures & Details | UMassFive\n\n\xe2\x80\xa2 You have 25 days to repay your balance for purchases in full by the payment date on your periodic\nbilling statement.\n\xe2\x80\xa2 Method of computing the balance for purchases: Average Daily Balance (excluding new purchases).\n\xe2\x80\xa2 Fees:\no $27.00 Late Fee\no $10.00 Card Replacement\no $20.00 Placed on Revoked List\no $5.00 Draft Copy\no 3% Cash Advance Fee (min. $10.00)\no $5.00 Chargeback\no $27.00 Returned Payment Fee\n\xe2\x80\xa2 The minimum monthly payment is 2% of the unpaid balance with a minimum payment of $25. There\nare no default rates, limits as high as $25,000, and 24-hour customer service support.\n\nDetails\nOur Low Rate Platinum Visa\xc2\xae Credit Cards all come with benefits offered by Visa.\n(https://usa.visa.com/support/consumer/card-benefits.html/)\n<-- Back to Low Rate Platinum Visa Credit Cards Page (/personal/credit-cards/low-rate-platinumvisa)\nhttps://www.umassfive.coop/personal/credit-cards/low-rate-platinum/low-rate-platinum-visa-credit-card-large-print-disclosures\n\n2/4\n\n\x0c9/14/2021\n\nLow-Rate Platinum Visa\xc2\xae Credit Card Disclosures & Details | UMassFive\n\nRouting Number: 211880271\nNMLS Number: 460131\n\nFind a Branch/ATM or Contact Us (/find-branchatm)\nDisclosures (/disclosures)\nWire Transfers (/wire-transfers)\nSecurity (/security)\nCareers (/careers)\nAccessibility (/website-accessibility)\nFeedback (/member-feedback-form)\n\nThe Official Credit Union of\n\n(https://umassathletics.com/)\n\nhttps://www.umassfive.coop/personal/credit-cards/low-rate-platinum/low-rate-platinum-visa-credit-card-large-print-disclosures\n\n3/4\n\n\x0c9/14/2021\n\nLow-Rate Platinum Visa\xc2\xae Credit Card Disclosures & Details | UMassFive\n\n(https://www.facebook.com/umassfive)\n(https://www.instagram.com/umassfive/)\n\n(https://twitter.com/umassfive)\n(https://www.youtube.com/user/UMassFiveCU)\n\nCopyright \xc2\xa9 2021 UMassFive\nYour savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government\nAgency.\n\n(https://www.hud.gov/program_offices/fair_housing_equal_opp)\n\n(https://www.ncua.gov/Pages/default.aspx)\n\nhttps://www.umassfive.coop/personal/credit-cards/low-rate-platinum/low-rate-platinum-visa-credit-card-large-print-disclosures\n\n4/4\n\n\x0c'


b'9/14/2021\n\nCash Back Visa\xc2\xae Signature Credit Card Details & Disclosures | UMassFive\n\n> Personal (/personal) > Credit Cards (/personal/credit-cards)\n> Visa\xc2\xae Cash Back Signature (/personal/credit-cards/visar-cash-back-signature)\n> Cash Back Visa\xc2\xae Signature Credit Card Details & Disclosures\n\nCash Back Visa\xc2\xae Signature Credit Card\nDetails & Disclosures\n\nThe current prime rate is: 3.25%. Rates effective as of September 7, 2021. Rates subject to change at\nany time.\n\nDisclosures\n\xe2\x80\xa2 Variable rates subject to change. Rates are based on an index of Prime Rate plus a margin of 9.50%,\n10.50%, 11.50%, 13.50%, 15.00%, or 18.00% based on your credit score (maximum capped at 18.00%).\n\xe2\x80\xa2 Total amount of all unsecured loans and lines of credit may not exceed $25,000 per member.\nhttps://www.umassfive.coop/personal/credit-cards/cash-back-signature-visa/cash-back-visa-signature-credit-card-details-disclosures\n\n1/5\n\n\x0c9/14/2021\n\nCash Back Visa\xc2\xae Signature Credit Card Details & Disclosures | UMassFive\n\n\xe2\x80\xa2 You have 25 days to repay your balance for purchases in full by the payment date on your periodic\nbilling statement.\n\xe2\x80\xa2 Method of computing the balance for Purchases: Average Daily Balance (excluding new purchases).\n\xe2\x80\xa2 Fees:\no $27.00 Late Fee\no $10.00 Card Replacement\no $20.00 Placed on Revoked List\no $5.00 Draft Copy\no 3% Balance Transfer Fee (min. $30.00)\no 3% Cash Advance Fee (min. $10.00)\no $5.00 Chargeback\no $27.00 Returned Payment Fee\n\xe2\x80\xa2 The minimum monthly payment is 2% of the unpaid balance with a minimum payment of $25. There\nare no default rates, limits as high as $25,000, and 24-hour customer service support.\n\xe2\x80\xa2 Visa\xc2\xae Cash Back is applied automatically as a statement credit quarterly for active paid accounts in\ngood standing. Rebate is based upon net purchases minus returns, which may result in a negative\nrebate. Cash Back terms are not applicable for balance transfers and cash advances. See Cardholder\nAgreement disclosure for terms & conditions.\n\nhttps://www.umassfive.coop/personal/credit-cards/cash-back-signature-visa/cash-back-visa-signature-credit-card-details-disclosures\n\n2/5\n\n\x0c9/14/2021\n\nCash Back Visa\xc2\xae Signature Credit Card Details & Disclosures | UMassFive\n\n\xe2\x80\xa2 See Visa Signature Cash Back terms & conditions for summary of coverage for Lost Luggage\nReimbursement.\n\nDetails\nOur Signature Cash Back Visa cards all come with a special benefit package including:\n\xe2\x80\xa2 Lost Luggage Reimbursement\n\xe2\x80\xa2 Signature Concierge Service\n\xe2\x80\xa2 Personal Identity Theft Coverage\n\xe2\x80\xa2 Travel Accident Insurance\n\xe2\x80\xa2 Travel and Emergency Assistance\n\xe2\x80\xa2 Warranty Manager Service\nView benefits details offered by Visa. (https://usa.visa.com/support/consumer/card-benefits.html/)\n<-- Back to Cash Back Visa Signature Credit Card (/personal/credit-cards/cash-back-signature-visa)\n\nhttps://www.umassfive.coop/personal/credit-cards/cash-back-signature-visa/cash-back-visa-signature-credit-card-details-disclosures\n\n3/5\n\n\x0c9/14/2021\n\nCash Back Visa\xc2\xae Signature Credit Card Details & Disclosures | UMassFive\n\nRouting Number: 211880271\nNMLS Number: 460131\n\nFind a Branch/ATM or Contact Us (/find-branchatm)\nDisclosures (/disclosures)\nWire Transfers (/wire-transfers)\nSecurity (/security)\nCareers (/careers)\nAccessibility (/website-accessibility)\nFeedback (/member-feedback-form)\n\nThe Official Credit Union of\n\n(https://umassathletics.com/)\n\n(https://www.facebook.com/umassfive)\n(https://www.instagram.com/umassfive/)\n\n(https://twitter.com/umassfive)\n(https://www.youtube.com/user/UMassFiveCU)\n\nhttps://www.umassfive.coop/personal/credit-cards/cash-back-signature-visa/cash-back-visa-signature-credit-card-details-disclosures\n\n4/5\n\n\x0c9/14/2021\n\nCash Back Visa\xc2\xae Signature Credit Card Details & Disclosures | UMassFive\n\nCopyright \xc2\xa9 2021 UMassFive\nYour savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government\nAgency.\n\n(https://www.hud.gov/program_offices/fair_housing_equal_opp)\n\n(https://www.ncua.gov/Pages/default.aspx)\n\nhttps://www.umassfive.coop/personal/credit-cards/cash-back-signature-visa/cash-back-visa-signature-credit-card-details-disclosures\n\n5/5\n\n\x0c'


b'American 1 Credit Union\n\nVISA CREDIT CARD AGREEMENT ADDENDUM TO\nSINGLE SIGNATURE LENDING PLAN\n\n718 E. Michigan Avenue\nJackson, Michigan 49201\n(888) 213-2848\nBORROWER 1 NAME\n\nACCOUNT NUMBER\n\nBORROWER 2 NAME\n\nDATE\n\nThank you for opening a Visa Credit Card sub-account under your Single Signature Lending Plan ("Plan"). This Visa Credit Card Agreement is an addendum\nto your Plan and is hereby incorporated into and becomes a part of your Plan. Purchases or transactions made on your Card will be subject to the terms of\nyour Plan, this agreement, and your Truth in Lending Disclosure. Please keep this agreement and your Truth in Lending Disclosure with your Plan.\nVISA CREDIT CARD AGREEMENT\nIN THIS AGREEMENT THE WORDS "I," "ME," "MY," AND "US" MEAN EACH AND ALL OF THOSE WHO APPLY FOR OR USE THE CARD. "CARD" MEANS THE VISA CREDIT\nCARD AND ANY DUPLICATES AND RENEWALS WE ISSUE. EVERYONE WHO RECEIVES, SIGNS OR USES A CARD ISSUED UNDER THIS AGREEMENT MUST BE A\nMEMBER OF THIS CREDIT UNION AND A BORROWER ON THE PLAN. BY SIGNING OR USING THE CARD, I AGREE TO THE TERMS OF THIS AGREEMENT AND PROMISE\nTO PAY ALL AMOUNTS DUE. "ACCOUNT" MEANS MY VISA CREDIT CARD LINE OF CREDIT SUB-ACCOUNT WITH YOU. "YOU", "YOUR" AND "YOURS" MEANS THIS\nCREDIT UNION.\n\n1. SECURITY: I SPECIFICALLY GRANT YOU A CONSENSUAL\nSECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS I\nHAVE WITH YOU NOW AND IN THE FUTURE TO SECURE\nREPAYMENT OF CREDIT EXTENDED UNDER THIS AGREEMENT. I\nALSO AGREE THAT YOU HAVE SIMILAR STATUTORY LIEN RIGHTS\nUNDER STATE AND/OR FEDERAL LAW. THE GRANTING OF THIS\nSECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF\nCREDIT UNDER THIS AGREEMENT. IF I AM IN DEFAULT, YOU CAN\nAPPLY MY SHARES TO THE AMOUNT I OWE. Shares and deposits in\nan Individual Retirement Account or any other account that would lose\nspecial tax treatment under state or federal law if given are not subject to\nthis security interest.\nIf I have other loans with you, collateral securing such loans may also\nsecure my obligations under this Agreement, unless that other collateral is\nmy principal residence or non-purchase money household goods.\n2. Using My Card. I may use my Card to make purchases from merchants\nand others who accept VISA Cards. However, I may not use my Card to\ninitiate any type of gambling or wagering transactions that are in violation of\napplicable law. If I wish to pay for goods or services over the Internet, I may\nbe required to provide card number security information before I will be\npermitted to complete the transaction. In addition, I may obtain cash\nadvances from the Credit Union and from other financial institutions that\naccept VISA Cards, and from some automated teller machines (ATMs). (Not\nall ATMs accept VISA Cards.) To obtain cash advances from an ATM, I must\nuse the Personal Identification Number (PIN) that is issued to me for use with\nmy Card. I agree that I will not use my Card for any transaction that is illegal\nunder applicable federal, state or local law. If use of my PIN constitutes an\nElectronic Funds Transfer, the terms and conditions of my EFT Agreement\nmay also effect my rights.\n3. Responsibility. I agree to pay all charges (purchases and cash\nadvances) to my Account that are made by me or anyone whom I authorize\nto use my Account. I also agree to pay all interest charges and other charges\nadded to my Account under the terms of this Agreement or another\nagreement I made with the Credit Union. If this is a joint Account, Section 14\nbelow also applies to my Account.\n\nCharge. Cash advances and balance transfers are always subject to a\nInterest Charge from the later of the date they are posted to my Account or\nfrom the first day of the billing cycle in which the cash advance or balance\ntransfer is posted to my Account.\n5. Other Charges. I promise to pay all fees disclosed to me on the\nTruth-in-Lending Statement, such as late payment fees, over-the-credit-limit\nfees, and other fees.\n6. Payments. Each month I must pay at least the minimum payment\nshown on my statement by the due date specified on the statement. If my\nstatement says the payment is "Now Due," my payment is due no later than\ntwenty-five (25) days from the statement closing date or 21 days from the\ndate you mail or deliver the statement, whichever is later. I may pay more\nfrequently, pay more than the minimum payment or pay the Total New\nBalance in full. If I make extra or larger payments, I am still required to make\nat least the minimum payment each month my Account has a balance (other\nthan a credit balance). The minimum payment is 3% of my Total New\nBalance, or $20.00, whichever is greater, plus the amount of any prior\nminimum payments that I have not made, and any amount I am over my\ncredit limit. The Credit Union also has the right to demand immediate\npayment of any amount by which I am over my credit limit.\n7. Default; Acceleration; Credit Suspension; Collection Costs. I will be\nin default if: (1) I fail to make any payment on time; (2) if I fail to keep any\npromises I have made under this Agreement or under other Agreements I\nhave with you; (3) if I die; (4) if I file a petition in bankruptcy or have a\nbankruptcy petition filed against me, or if I become involved in any\ninsolvency, receivership or custodial proceeding; (5) if anyone attempts to\ntake any of my funds held by you via legal process or if I have a judgment or\ntax lien filed against me; (6) if I make any false, inaccurate, or misleading\nstatements in any credit application or credit update; or (7) if you, in good\nfaith, believe that my ability to repay what I owe is or soon will be impaired, or\nthat I am unwilling to make my payments.\nIf I am in default, you have the right to demand immediate payment of my full\naccount balance without giving me notice. If immediate payment is\ndemanded, I agree to continue paying interest charges and fees until what I\nowe has been paid, and any shares that were given as security for my\naccount may be applied towards what I owe. I agree to pay all reasonable\ncosts of collection, including court costs and attorney\'s fees, and any costs\nincurred in the recovery of the Card, subject to applicable law. Even if my\nunpaid balance is less than my credit limit, I will have no credit available\nduring any time that any aspect of my account is in default.\n\n4. Interest Charges. I agree to pay interest at the rate(s) disclosed to me\nat the time I open my account and as may be changed from time to time in\naccordance with applicable law. The balances subject to the periodic Interest\n8. If My Card is Lost or Stolen or if an Unauthorized Use Occurs. I\nCharge are the average daily transactions balances outstanding during the\nagree to notify you immediately if my card is ever lost or stolen or if an\nmonth (new and previous). To get the average daily balance, you take the\nunauthorized use may have occurred. The telephone number to call is (888)\nbeginning balance of my Account each day, add any new purchases, cash\n213-2848, and I agree to follow up the call with notice in writing to you at: 718\nadvances, insurance premiums, debit adjustments or other charges and E. Michigan Avenue, Jackson, Michigan 49201. I also agree to assist you in\nsubtract any payments, credits and unpaid Interest Charges. This gives you determining the facts, circumstances and other pertinent information relating\nthe daily balance. Then, you add up all the daily balances for the billing cycle\nto any loss, theft or possible unauthorized use of my card and comply with\nand divide them by the number of days in the billing cycle. The Interest\nsuch procedures as you may require in connection with your investigation,\nCharge for a billing cycle is computed by multiplying the average daily\nincluding filing a police report and otherwise assisting in the prosecution of\nbalance subject to a Interest Charge by the Daily Periodic Rate times the any unauthorized user. I will be liable for any unauthorized use over the Visa\nNetwork only if you can prove that I was grossly negligent in my use or\nnumber of days in the billing cycles.\nI can avoid Interest Charges on purchases by paying the full amount of the handling of my card, or if you can prove that I used the card fraudulently. My\nliability for unauthorized use on networks other than the Visa Network will not\nentire balance owed each month within 25 days of my statement closing date.\nOtherwise, the new balance of purchases, and subsequent purchases from exceed $50.00. In any case, I will not be liable for any unauthorized use that\noccurs after I notify you of the loss, theft, or unauthorized use.\nthe date they are posted to my Account, will be subject to a Interest\nLASER SYM FI13874 Rev 7-2015\nCOPYRIGHT 2005 Securian Financial Group, Inc. All rights reserved.\npage 1 of 2\n\n\x0cBORROWER 1 NAME\n\nACCOUNT NUMBER\n\nBORROWER 2 NAME\n\nDATE\n\n9. Change of Terms. The Credit Union may change the terms of this\nAgreement from time to time subject to applicable law. Notice of any change\nwill be given in accordance with applicable law. If permitted by law and\nspecified in the notice to me, the change will apply to my existing Account\nbalance as well as to future transactions.\n10. Returns and Adjustments. Merchants and others who honor my Card\nmay give credit for returns or adjustments, and they will do so by sending the\nCredit Union a credit slip which will be posted to my Account. If my credits\nand payments exceed what I owe the Credit Union, the amount will be\napplied against future purchases and cash advances. If the credit balance\namount is $1 or more, it will be refunded upon my written or verbal request.\n11. Additional Benefits/Card Enhancements. The Credit Union may from\ntime to time offer additional services to my Account, such as travel accident\ninsurance, at no additional cost to me. I understand that the Credit Union is\nnot obligated to offer such services and may withdraw or change them at any\ntime.\n12. Foreign Transactions; Currency Conversion. Purchases and cash\nadvances made in foreign currencies will be billed to me in U.S. dollars.\nTransactions processed outside of the United States will be charged a foreign\ntransaction fee in an amount to be determined by the Credit Union,\nregardless of whether there is a currency conversion associated with the\ntransaction. The conversion rate in dollars will be a rate selected by VISA\nfrom a range of rates available in wholesale currency markets for the\napplicable central processing date, which rate may vary from the rate VISA\nitself receives, or the government-mandated rate in effect for the applicable\ncentral processing date in each instance. A foreign transaction is any\ntransaction that you complete or a merchant completes on my card outside of\nthe U.S., Puerto Rico or the U.S. Virgin Islands; this may include internet\ntransactions.\n\n13. Plan Merchant Disputes. You are not responsible for the refusal of any\nplan merchant or financial institution to honor my card. Also, you are not\nresponsible for goods or services I purchase with the card unless (a) my\npurchase was made in response to an advertisement you sent or participated\nin sending me; (b) my purchase cost $50.00 or more and was made from a\nplan merchant in my state or within 100 miles of my home; and I have made a\ngood faith attempt, but have been unable to obtain satisfaction from the plan\nmerchant. I must resolve all other disputes directly with the plan merchant.\n14. Joint Accounts. If this is a joint Account, each of us will be individually\nand jointly responsible for paying all amounts owed under this Agreement.\nThis means that the Credit Union can require any one of us individually to\nrepay the entire amount owed under this Agreement. Each of us authorizes\nthe other(s) to make purchases or cash advances individually. Any one of us\nmay terminate the Account and the termination will be effective as to all of us,\nbut both of us will still be responsible for repayment all amounts owing.\n15. Effect of Agreement. This Agreement is the contract which applies to\nall transactions on my Account even though the sales, cash advances, credit\nor other slips I sign or receive may contain different terms.\n16. Transaction Slips. My monthly statement will identify that merchant,\nelectronic terminal or financial institution at which transactions were made,\nbut sales, cash advances, credit or other slips cannot be returned with the\nstatement.\n17. NOTICE TO UTAH BORROWERS: This written agreement is a final\nexpression of the agreement between me and the Credit Union. This written\nagreement may not be contradicted by evidence of any oral agreement.\n\nBILLING RIGHTS NOTICE\nAfter we finish our investigation, one of two things will happen:\n\nYOUR BILLING RIGHTS: KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under\nthe Fair Credit Billing Act.\nWhat To Do If You Find A Mistake On Your Statement\nIf you think there is an error on your statement, write to us at the address(es)\nlisted on your statement.\nIn your letter, give us the following information:\n1. Your name and account number.\n2. The dollar amount of the suspected error.\n3. If you think there is an error on your bill, describe what you believe is\nwrong and why you believe it is a mistake.\nYou must contact us:\n-\n\nWithin 60 days after the error appeared on your statement.\nAt least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\n\nYou must notify us of any potential errors in writing. You may call us, but if\nyou do, we are not required to investigate any potential errors and you may\nhave 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\nreceived your letter. We will also tell you if we have already corrected\nthe error.\n2. Within 90 days of receiving your letter, we must either correct the error\nor explain to you why we believe the bill is correct.\nWhile we investigate whether or not there has been an error:\n- We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n- The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n- While you do not have to pay the amount in question, you are\nresponsible for the remainder of your balance.\n- We can apply any unpaid amount against your credit limit.\n\n-\n\nIf we made a mistake: You will not have to pay the amount in question\nor any interest or other fees related to that amount.\n- If we do not believe there was a mistake: You will have to pay the\namount in question, along with applicable interest and fees. We will\nsend you a statement of the amount you owe and the date payment is\ndue. We may then report you as delinquent if you do not pay the\namount we think you owe.\nIf you receive our explanation but still believe your bill is wrong, you must\nwrite to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are\nquestioning your bill. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when\nthe matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50\nof the amount you question even if your bill is correct.\nYour Rights If You Are Dissatisfied With Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased\nwith your credit card, and you have tried in good faith to correct the problem\nwith the merchant, you may have the right not to pay the remaining amount\ndue on the purchase. To use this right, all of the following must be true:\n1. The purchase must have been made in your home state or within 100\nmiles of your current mailing address, and the purchase price must have\nbeen more than $50. (Note: Neither of these are necessary if your\npurchase was based on an advertisement we mailed to you, or if we own\nthe company that sold you the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made\nwith cash advances from an ATM or with a check that accesses your\ncredit card account do not qualify.\n3. You must not yet have fully paid for the purchase.\nIf all of the criteria above are met and you are still dissatisfied with the\npurchase, contact us in writing at the address(es) listed on your statement.\nWhile we investigate, the same rules apply to the disputed amount as\ndiscussed above. After we finish our investigation, we will tell you our\ndecision. At that point, if we think you owe an amount and you do not pay, we\nmay report you as delinquent.\n\npage 2 of 2\n\n\x0c'