b'VISA CREDIT CARD\nDISCLOSURE AND AGREEMENT\n\nincluding the purchase of lottery tickets or casino gaming chips/checks or\noff-track betting or wagering. Said use, including any such authorized use,\nwill constitute an event of default under this Agreement. You agree that the\nCredit Union has no liability, responsibility or culpability whatsoever for any\nsuch use by you or any authorized user(s). You agree that you are responsible for repayment of any and all debts incurred for these transactions. You\nfurther agree to indemnify and hold the Credit Union harmless from any suits,\nliability, damages or adverse action of any kind that results directly or indirectly from such illegal use.\nOVERDRAFT PROTECTION (EXCLUDING VISA BUSINESS CARD AND\nVISA EQUITY GOLD CARD): We may transfer funds in multiples of $50 (or\nin such increments as we may from time to time determine) to your Checking\nAccount by an advance on your Visa Account, subject to this provision, to\nclear any Overdraft on your Checking Account. Whether or not such transfers occur will be controlled by this Agreement. In any event, you hold us\nharmless for any and all liability which might otherwise arise if the transfer\ndoes not occur. The Credit Union shall not be liable or responsible for any\nclaims or disputes with regard to purchases made by using a share draft.\nOverdraft protection automatically ceases if this Agreement is ever cancelled\nor terminated or your Account is in default. The Credit Union, however, is\nunder no obligation to make a transfer to cover an overdraft.\nREQUEST FOR LOAN / CREDIT LIMIT: You agree that each use of\nyour Account, Card or Convenience Check constitutes a loan. You agree\nnot to exceed the approved Credit Limit under this Agreement. You may\nrequest an increase in your Credit Limit, but Credit Limit increases must be\napproved by us. At the request of the Credit Union, you agree to return to the\nCredit Union your Card and/or Convenience Checks. You are responsible\nfor safekeeping of the Card and/or Convenience Checks.\nCREDIT INFORMATION: You agree that we may investigate your creditworthiness at any time when opening or reviewing your account. You authorize\nus to obtain from time to time, information from others, such as creditors\nand credit reporting agencies, concerning you and your credit accounts with\nthem. You also authorize us to respond from time to time to requests from\ncreditors and credit bureaus regarding the status and history of your account\nto the extent authorized by law.\nAs required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency\nif you fail to fulfill the terms of your credit obligations. Late payments, missed\npayments, or other defaults on your loan account may be reflected in your\ncredit report.\nCONVENIENCE CHECKS (EXCLUDING VISA BUSINESS CARD AND\nVISA EQUITY GOLD CARD): You may access your Account by utilizing\nthe Visa Convenience Checks that are provided to you.\n1.\nWe will honor and pay Checks up to your available Credit Limit as\nlong as they are drawn on forms authorized by us and presented before the expiration date on the Check.\n2.\nTo stop payment on a Check, you must call us at (800) 634-6632\nduring our business hours with the following information: the exact\ndollar amount of the Check; the Check number; your Account number;\nthe name of the party to whom the Check was written and the name of\nthe person who signed the Check.\nWe will stop payment on the Check if we receive your stop payment\nrequest by the business day before the day we pay your Check. The\nday we pay the check may be before it posts to your account. The\nstop payment order will remain effective for 6 months. You may write\nto us to cancel the order at any time.\n3.\nIf a Card is reported lost or stolen, the Checks are null and void.\n4.\nYou agree to hold us harmless and to indemnify us from any liability\nincurred due to a delay or misrouting of a Check where the delay or\nmisrouting is caused by markings placed on the Check by you or a\nprior endorser that obscure any depository endorsement placed by\nus or our agent.\n5.\nFor the purpose of calculating INTEREST CHARGES, Checks are the\nsame as Cash Advances.\n6.\nCredit Union may recognize the signature of anyone who signed the\ncredit application for the Account as authorized to transact any business on this account including signing of Checks.\n7.\nChecks may not be used to pay any amount you owe under this Agree-\n\n1\n\n2\n\nNOTICE: See reverse side for important information regarding your\nrights to dispute billing errors.\nMilitary Lending Act Notice\nFederal law provides important protections to members of the Armed\nForces and their dependents relating to extensions of consumer credit.\nIn general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate\nof 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums, fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees\nfor specified credit transactions or accounts); and any participation fee\ncharged (other than certain participation fees for a credit card account).\nCall (800) 634-6632 to hear the above disclosures and a description of\nyour payment obligations.\nIn this Agreement the words \xe2\x80\x9cyou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean each and all of those:\n(a) whose names appear on a Card or Statement or who uses this Account or\n(b) who otherwise agree to be liable on the Account. Card means the Visa\xc2\xae\nClassic, Visa Gold, Visa Classic Secured, Visa Equity Gold, or Visa Business\nCard, and any duplicates and renewals the Credit Union issues. \xe2\x80\x9cAccount\xe2\x80\x9d\nmeans your Visa Credit Card Account with the Credit Union. The terms \xe2\x80\x9cwe\xe2\x80\x9d,\n\xe2\x80\x9cus\xe2\x80\x9d, \xe2\x80\x9cour\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean Honda Federal Credit Union.\nOBLIGATION: By applying and receiving, signing, using or authorizing another to sign or use the Card and/or Account issued by Honda Federal Credit\nUnion, you agree to the following terms and conditions and any subsequent amendments. If you do not agree with the terms and conditions of this\nAgreement, please destroy the card at once by cutting it in half and mail it\nback to the Credit Union with your instructions to close the account.\nSIGNATURE: You should sign the back of your Card as soon as you receive\nit to help protect your Account from unauthorized use. However, your liability\ndoes not depend on whether you sign your Card.\nMAXIMUM CREDIT LIMIT: You have applied to us for a Visa Credit Card\nAccount. The loans which the Credit Union may extend to you under this Account shall at no time exceed the assigned credit limits hereinafter referred\nto as the maximum \xe2\x80\x9cCredit Limit\xe2\x80\x9d disclosed to you on the enclosed \xe2\x80\x9cVisa\nCredit Card Acceptance Letter\xe2\x80\x9d and incorporated herein by reference. Each\npayment you make on the account will restore your credit limit by the amount\nof the payment which is applied to the principal amount of purchases and\ncash advances. You agree that we may change this Credit Limit at any time\nand we will notify you of any such change.\nUSING YOUR ACCOUNT: Four (4) types of credit are available to you under\nyour Account.\n1. Purchases: You may use your Card and/or Account to pay for goods and\nservices in person, online, and by mail or telephone from merchants and\nothers who accept Visa credit cards.\n2. Cash Advances: You may use your Card to obtain cash from the Credit\nUnion, from other financial institutions or select merchants participating\nin the Visa program, or from an Automated Teller Machine (ATM), such\nas the Visa ATM Network, that provides access to the Visa system along\nwith a Personal Identification Number (PIN) issued by us or selected by\nyou, or by use of Visa Convenience Checks. You may also use the Visa\nConvenience Checks for any legal purpose.\n3. Balance Transfer (Excluding Visa Business Card and Visa Equity Gold\nCard): You may transfer balances to your Visa account from other creditors. For the purpose of calculating INTEREST CHARGES, Balance\nTransfers are the same as Cash Advances.\n4. Regular Checking Account Overdraft Protection (Excluding Visa Equity\nGold Card): See Overdraft Protection terms below.\nILLEGAL USE OF VISA CREDIT CARD: You agree that your Visa Credit\nCard Account will not be used to make or facilitate any transaction(s) that are\nor might be construed to be illegal pursuant to applicable law, rule or ordinance, including but not limited to gambling, gaming, betting or any similar\ntransaction or activity. Such transactions include, but may not be limited to,\nany quasi-cash or online gambling transaction, any electronic commerce\ntransaction conducted over an open network, and any betting transaction\n\nment or under any other credit agreement or account you hold with us.\nWe do not have to pay a Check if: (a) you are in default under this\nor any other Agreement with us, (b) if payment would cause you\nto exceed your Credit Limit, (c) if your right to use Checks on your\nAccount is cancelled, closed or suspended, (d) your signature or the\npayee\xe2\x80\x99s name or endorsement is missing on the check or the check\nappears altered, or (e) your check is post-dated, although we may pay\na post-dated check at any time once presented, regardless of the date\nshown. If a post- dated check is paid resulting in another check being\nreturned or not paid we are not responsible. If we pay any check\nunder any condition, you must pay us the amount of the check plus\napplicable fees and charges unless such liability is precluded by law.\nINTEREST CHARGES: The ANNUAL PERCENTAGE RATE (and the corresponding Daily Periodic Rate) used in calculating the INTEREST CHARGE\nare disclosed on the enclosed Visa Credit Card Acceptance Letter the terms\nof which are incorporated herein by this reference.\nFor Purchase Transactions (including New Purchases) (excluding Visa\nBusiness Card and Visa Equity Gold Card): Grace Period - To avoid incurring an INTEREST CHARGE on the balance of Credit Purchases reflected\non the statement and on any new Credit Purchases appearing on your next\nstatement, you must pay the entire New Balance shown on the statement\nwithin 25 days of your Statement closing date. Otherwise the INTEREST\nCHARGE on purchases is calculated from the beginning of the statement\nperiod on previously billed but unpaid purchases and on new purchases from\nthe date they are posted to your account. INTEREST CHARGES will continue\nto accrue until the closing date of the billing cycle preceding the date on\nwhich the entire New Balance is paid in full or until the date of payment if\nmore than the Payment Due Date shown from the closing date.\nThe INTEREST CHARGES for a billing cycle are computed by applying the\ndaily Periodic Rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Credit Purchases. To\nget the \xe2\x80\x98\xe2\x80\x98average daily balance,\xe2\x80\x99\xe2\x80\x99 we take the beginning balance of Credit\nPurchases on your account each day, add any new Credit Purchases, and\nsubtract any unpaid other finance charges and any payments or credits. This\ngives us the \xe2\x80\x9cdaily balance.\xe2\x80\x9d The \xe2\x80\x9caverage daily balance\xe2\x80\x9d is determined by\ndividing the sum of the \xe2\x80\x9cdaily balances\xe2\x80\x9d during the billing cycle by the number of days in the cycle.\nFor Cash Advances (including Balance Transfers and Convenience\nCheck transactions) (excluding Visa Business and Visa Equity Gold\nCard): No Grace Period - An INTEREST CHARGE will be imposed on Cash\nAdvances from the date the Cash Advance is posted to your Account or the\nfirst day of the billing cycle in which the Cash Advance is posted to your\naccount, whichever is later, and will continue to accrue until the date of payment. There is no grace period for Cash Advances. For the purpose of calculating INTEREST CHARGES, Balance Transfers and Convenience Check\nTransactions are treated the same as, and reflected as, Cash Advances.\nThe INTEREST CHARGES for a billing cycle are computed by applying the\ndaily Periodic Rate to the \xe2\x80\x9caverage daily balance\xe2\x80\x9d of Cash Advances. To get\nthe \xe2\x80\x98\xe2\x80\x98average daily balance,\xe2\x80\x99\xe2\x80\x99 we take the beginning balance of Cash Advances on your account each day, add any new Cash Advances, and subtract\nany unpaid other finance charges and any payments or credits. This gives\nus the \xe2\x80\x9cdaily balance.\xe2\x80\x9d The \xe2\x80\x9caverage daily balance\xe2\x80\x9d is determined by dividing\nthe sum of the \xe2\x80\x9cdaily balances\xe2\x80\x9d during the billing cycle by the number of\ndays in the cycle.\nFor Visa Equity Gold Card transactions - An INTEREST CHARGE will be imposed on all Advances from the date the Advance is posted to your Account\nand will continue to accrue until the date of payment. There is no grace period for Advances.\nThe INTEREST CHARGES for a billing cycle are computed by multiplying the\ndaily periodic rate to the principal balance daily. We then add together the\ndaily interest charge for each day in the monthly billing cycle.\nActual INTEREST CHARGES will be shown on your periodic statement.\nThe following ANNUAL PERCENTAGE RATES and corresponding monthly\nPeriodic Rates will apply to both purchases and Cash Advances:\nVISA CLASSIC CARD INTEREST CHARGES - Your Visa Classic Card Account will be subject to an INTEREST CHARGE at the ANNUAL PERCENTAGE RATE and a corresponding daily Periodic Rate, which will be determined by your credit rating. The ANNUAL PERCENTAGE RATES range from\n11.5% to 18.0% (with corresponding monthly Periodic Rates ranging from\n0.032% to 0.049%). For your ANNUAL PERCENTAGE RATE, refer to the Visa\n\nCredit Card Acceptance Letter the terms of which are incorporated herein\nby this reference.\nVISA GOLD CARD INTEREST CHARGES - Your Visa Gold Card Account\nwill be subject to an INTEREST CHARGE at the ANNUAL PERCENTAGE\nRATE of 9.9% and a corresponding daily Periodic Rate of 0.027%. Your ANNUAL PERCENTAGE RATE will be confirmed on the VISA Credit Card Acceptance Letter, the terms of which are incorporated herein by this reference.\nIntroductory Rate for Visa Gold Accounts: Visa Gold Accounts are subject to\nan Introductory Rate ON Credit Purchases and Cash Advances for the six (6)\nmonth period immediately following the date that your Visa Gold Account is\nestablished, during which time your Visa Gold Account will be subject to an\nANNUAL PERCENTAGE RATE of 6.9% and a corresponding Daily Periodic\nRate of 0.019%. On the expiration of the Introductory Rate period, the Daily\nPeriodic Rate applicable to the balance existing at that time and in the future\nand the corresponding ANNUAL PERCENTAGE RATE is as disclosed on the\nVisa Credit Card Acceptance Letter.\nVISA CLASSIC SECURED CARD INTEREST CHARGES - Your Visa Classic Secured Card Account will be subject to an INTEREST CHARGE at the\nANNUAL PERCENTAGE RATE of 5.99% and a corresponding daily Periodic\nRate of 0.016%. Your ANNUAL PERCENTAGE RATE will be confirmed on\nthe VISA Credit Card Acceptance Letter, the terms of which are incorporated\nherein by this reference.\nVISA EQUITY GOLD CARD INTEREST CHARGES - Your Visa Equity Gold\nCard can only be used to access your corresponding Credit Union Home Equity Line of Credit (HELOC) account, which account terms and conditions are\nincorporated herein by reference. It will be subject to an INTEREST CHARGE\nat the ANNUAL PERCENTAGE RATE and a corresponding daily Periodic\nRate as set forth in your HELOC account disclosure, and repayment shall\nbe governed by same. There is no separate line of credit associated with\nthis Card. All Purchases or Cash Advances will be charged to your HELOC.\nVISA BUSINESS CARD INTEREST CHARGES: None.\nCHANGE OF TERMS: The Credit Union may change the terms of this\nAgreement, including your ANNUAL PERCENTAGE RATE, from time to time\nfor any reason not inconsistent with applicable law after giving you any advance notice required by law. Your failure to exercise any right you may have\nto reject the change in terms in a timely manner will indicate your agreement\nto the change. Except as restricted or prohibited by law, any change in terms\nwill apply to your existing account balance as well as to future transactions.\nEither the Credit Union or any one of you may terminate this Agreement at\nany time, but termination by you or the Credit Union will not affect your obligation to pay the account balance plus any finance and other charges you\nowe under this Agreement. The cards you receive remain the property of\nthe 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\nor the Credit Union.\nREPAYMENT (EXCLUDING VISA BUSINESS CARD AND VISA EQUITY\nGOLD CARD): You promise to pay all amounts due on your Account. You\nagree to pay us each month a Minimum Monthly Payment plus any payment\npast due and/ or any Late Charges. The Minimum Monthly Payment on\nClassic, Gold, and Secured Visa Credit Cards will be 3% of the outstanding\nbalance or $25.00, whichever is greater. You may at any time pay your\ntotal indebtedness without penalty. We must receive your payment and the\nremittance stub (as applicable) on or before the Due Date, in accordance\nwith statement instructions, in order for your Account to be credited by the\nDue Date. All payments shall be in U.S. dollars by a check drawn on or a\nmoney order issued by a U.S. financial institution, naming us as payee, or as\notherwise authorized by the Credit Union. You must not send cash.\nREPAYMENT VISA EQUITY GOLD CARD: The minimum monthly payment\non the Visa Equity Gold Card will be the interest accrued for the billing cycle\nor $100, whichever is greater.\nREPAYMENT VISA BUSINESS CARD: Visa Business Card Minimum\nMonthly Payments will be an amount equal to your entire outstanding balance shown on your statement.\nALLOCATION OF PAYMENTS: We will determine, subject to applicable\nlaw, the order in which payments will be applied toward Purchases, Cash\nAdvances, Balance Transfers, unpaid Interest Charges and Other Fees and\nCharges. We will credit payments to your account so as to avoid additional\nInterest or other charges, but we reserve the right to delay reinstatement of\nyour credit line for a reasonable period of time to authenticate settlement\nof funds.\n\nPREPAYMENT OR IRREGULAR PAYMENTS: Though you need only pay\nthe Minimum Payment Due, you understand that you have the right to repay\nyour Account at any time without penalty. You also understand and agree\nthat you will only be charged Interest Charges to the date you pay your entire Account. You may make larger payments without penalty and this may\nreduce the total amount of Interest Charges that you will pay. Any partial\npayment of your Account will not advance your next Due Date(s).\nDEFAULT, ACCELERATION AND COLLECTION COSTS: You will be in\ndefault if you fail to make any minimum payment or other required payment\nby the date that it is due. You will be in default if you break any promise you\nmake under this Agreement. You will be in default if you die, file for bankruptcy or become insolvent, that is, unable to pay your obligations when they\nbecome due. You will be in default if you make any false or misleading statements in any credit application or credit update. You will also be in default if\nsomething happens that the Credit Union believes may substantially reduce\nyour ability to repay what you owe. When you are in default, the Credit Union\nhas the right to immediately terminate this Agreement and require repayment\nof your outstanding account balance plus any interest and other charges you\nowe under this Agreement. At the Credit Union\xe2\x80\x99s discretion, any shares that\nwere given as security may be applied towards what you owe. To the extent\npermitted by law, you will also be required to pay the Credit Union\xe2\x80\x99s collection expenses, including court costs and attorneys\xe2\x80\x99 fees.\nCLOSING YOUR ACCOUNT: You may close your Account by notifying us in\nwriting. We may close your Account or suspend your credit privileges at any\ntime without prior notice except as required by law for any legal reason. You\nwill be responsible for all transactions made on the Account prior to closing,\neven if they are processed or posted after the date the Account is closed.\nCROSS DEFAULT: You understand and agree that your breach or default\nof the terms and conditions of this Agreement for your Card shall also be\ndeemed to be a default of any and all other loans you now have with us or\nobtain in the future with us. Further, you understand and agree that your\nbreach or default of the terms and conditions of any other loan you now have\nwith us or obtain in the future with us shall be deemed to be a default of the\nterms and conditions of the Agreement for this Visa Credit Card Account.\nThis \xe2\x80\x9cCross Default\xe2\x80\x9d Agreement shall not apply to any loans secured by real\nproperty, property used as your dwelling or where otherwise prohibited by\nFederal or State Law or Regulation.\nUNAUTHORIZED TRANSACTIONS: If there is an unauthorized use of your\nVisa Credit Card or a Plus network or Interlink transaction, and the transaction takes place on the VISA network, then your liability will be zero ($0.00).\nThis provision limiting your liability does not apply to Visa Corporate Card\nTransactions, Visa Purchasing Card Transactions, Anonymous Visa Prepaid\nCard Transactions, ATM cash disbursements processed on non-Visa or nonPlus networks, or non-Visa PIN-less debit transactions. Additionally, your\nliability with respect to unauthorized transactions may be greater than the\nabove zero ($0.00) liability limit, to the extent allowed under applicable law, if\nthe credit union reasonably determines, based on substantial evidence, that\nyou were negligent or fraudulent in the handling of your account or card. In\nany case, to minimize your potential liability you should notify us of any unauthorized use no later than 60 days after your statement was mailed to you.\n\xe2\x80\x9cUnauthorized\xe2\x80\x9d means the use of your Visa Credit Card by a person, other\nthan you, who does not have actual, implied or apparent authority for such\nuse and from which you receive no benefit.\nELECTRONIC FUND TRANSFER: In the event a use of your Card, or the\nAccount constitutes an Electronic Fund Transfer, the terms and conditions\nof your Electronic Services Disclosure and Agreement with us shall govern such transactions to the extent the Electronic Services Disclosure and\nAgreement expands or amends this Agreement.\nRESPONSIBILITY OF BORROWER: You agree not to consummate any\nconsumer credit transaction under this Agreement upon knowing that credit\nprivilege under this Account has been terminated or suspended. You agree\nto pay all charges under the terms of this Agreement and Disclosure Statement (including all Credit Purchases, Cash Advances, Interest Charges, Late\nCharges, and other fees if any), arising from the use of the Account by\nyou or any other person you permit to use the Account, even if that person\nexceeds your permission. Your obligation to pay the Account balance continues even though an agreement, divorce decree or other court judgment\nto which we are not a party may direct someone else to pay the Account\nbalance. Any person who signs the Application, or uses the Account and/or\nCard is each individually responsible for all amounts owed on the account\nand all are jointly responsible for all amounts owed. This means the Credit\n\n3\n\n4\n\n5\n\n8.\n\n\x0cUnion can enforce this Agreement against any of you individually or all of\nyou collectively.\nAUTHORIZED USERS (EXCLUDING VISA BUSINESS CARD): You may\nallow Authorized Users on your Account by notifying us that you want someone added to your Account as an Authorized User, or by lending your Card\nor Account Number to another, or by any other ways in which you would be\nlegally considered to have allowed another to use your Account. We reserve\nthe right to approve or reject any such request in our discretion, and to require satisfactory proof of identification.\nFOREIGN TRANSACTIONS AND CHARGES: Foreign Transactions in\nForeign Currency- Purchases and cash advances made in foreign currencies will be billed to you in U.S. dollars. Transactions processed outside of\nthe United States, or in a foreign currency may be charged a foreign transaction fee, regardless of whether there is a currency conversion associated\nwith the transaction. The conversion rate in dollars will be a rate selected by\nVISA from 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, plus a one percentage point (1%)\nfee charged by the Issuer.\nForeign Transactions in U.S. Currency- Purchases and cash advances\nmade in foreign countries will be billed to you in U.S. dollars. Transactions\nprocessed outside of the United States, in U.S. dollars, may be charged a\nforeign transaction fee of one percent (1%), regardless of whether there is a\ncurrency conversion associated with the transaction.\nCREDIT BALANCES: Credit balances created by payments, credit adjustments, and merchant refunds, will be transferred to the Savings Account of\nthe Primary Cardholder.\nOTHER CHARGES: The following Other Charges will be added to your account, as applicable:\na) ANNUAL FEE: None\nb) LATE PAYMENT FEE (EXCEPT FOR VISA BUSINESS CARD AND\nVISA EQUITY GOLD CARD): $25 for the first late payment; $35 for\nevery subsequent late payment in a six-month period.\nc) VISA BUSINESS CARD LATE PAYMENT FEE: If your payment is\nmore than 60 days late, you will be charged 1.00% of the unpaid\nbalance, subject to a minimum of $10.\nd) Visa Equity Gold Card late payment fee: If your payment is more than\n7 days late, you will be charged 7% of the loan payment as a late fee.\nLOST OR STOLEN CARDS AND CHECKS: You will notify us AT\nONCE if you believe that your Card, Convenience Check, Account number,\nor PIN has been lost or stolen or if you think your Account is being used\nwith out your permission, by immediately calling us at (800) 634-6632, 24\nhours a day, 7 days a week.\nPAYMENTS MARKED \xe2\x80\x9cPAID IN FULL\xe2\x80\x9d: We may accept checks, money\norders, or other types of payment marked \xe2\x80\x9cpayment in full\xe2\x80\x9d or use other\nlanguage to indicate full satisfaction of any indebtedness, without being\nbound by such language or waiving any rights under this Agreement. Full\nsatisfaction of indebtedness shall be accepted by us only in a written agreement, signed by an authorized representative.\nDELAY IN ENFORCEMENT / ENFORCEABILITY: We can delay enforcing any of our rights under this Agreement without losing them. If any terms\nof this Agreement are found to be unenforceable, all other provisions will\nremain in full force.\nGOVERNING LAW: You understand and agree that this Agreement is made\nin California and shall be governed by the laws of the State of California to\nthe extent that California law is not inconsistent with controlling Federal law.\nYou also understand that California\xe2\x80\x99s choice of law rules shall not be applied\nif they would result in the application of non-California law. If any part of this\nAgreement is held to be not valid, all other parts will remain enforceable.\nINTEGRATED DOCUMENT(S): The\xe2\x80\x9cVisa Credit Card Acceptance Letter,\xe2\x80\x9d\n\xe2\x80\x9cVisa Business Card Acceptance Letter,\xe2\x80\x9d \xe2\x80\x9cVisa Credit Card Agreement,\xe2\x80\x9d\n\xe2\x80\x9cShare Secured Credit Card Agreement,\xe2\x80\x9d the Visa Credit Limit Increase\nAgreement, and/or the Home Equity Credit Plan Agreement Early Disclosure\nfor the Equity Advantage and the Home Equity Line of Credit Agreement and\nDisclosure Statement delivered to you by the Credit Union together with this\nAgreement is deemed an integrated part of this Agreement.\n\n6\n\nTELEPHONE MONITORING: We may listen to and record telephone calls\nbetween you and us to monitor and improve the quality of service you receive.\nCHANGE OF PERSONAL INFORMATION: You must notify us immediately\nif you change your name, address, or home or business telephone number.\nAll written notices and statements from us to you will be considered given\nwhen placed in the United States mail, postage prepaid, and addressed to\nyou at your current address as it appears in our records.\nMEMBER ADVANTAGE POINTS PROGRAM (FOR VISA GOLD AND\nVISA BUSINESS CARDS ONLY): The Credit Union may offer a program\nby which members accumulate points for dollars purchased. Points may\nbe redeemed for selected merchandise, travel, gift cards and/or cash back.\nSuch program will be subject to a separate terms and conditions that will\nbe provided to you, if applicable. We have the right to alter/terminate this\nprogram at any time.\nMERCHANT DISPUTES: The Credit Union is not responsible for the refusal\nof any merchant or financial institution to honor the Card. The Credit Union is\nsubject to claims and defenses (other than tort claims) arising out of goods\nor services you purchase with the card if you have made a good faith attempt\nbut have been unable to obtain satisfaction from the merchant or service\nprovider, and: (a) your purchase was made in response to an advertisement\nthe Credit Union sent or participated in sending to you; or (b) your purchase\ncost more than $50.00 and was made in your state or within one hundred\n(100) miles of your home.\nTRANSFER OF ACCOUNT: You cannot transfer or assign your Account\nto any other person.\nTRANSACTIONS WITH MERCHANTS / RETURN POLICY: If a merchant\ndiscloses a policy such as \xe2\x80\x9cno returns\xe2\x80\x9d, \xe2\x80\x9cno refund\xe2\x80\x9d, \xe2\x80\x9cno return or credit\nwithout receipt\xe2\x80\x9d, \xe2\x80\x9cas is\xe2\x80\x9d, \xe2\x80\x9cstore credit only\xe2\x80\x9d, or \xe2\x80\x9call sales final\xe2\x80\x9d, you will be\nbound by that policy when you use your Account to buy goods or services\nfrom that merchant. Merchants and others who honor the card may give\ncredit for returns or adjustments, and they will do so by sending the Credit\nUnion a credit slip which will be posted to your account. If your credits and\npayments exceed what you owe the Credit Union, we will hold and apply the\ncredit amount against future purchases and cash advances for 60 days. After\n60 days, any credit balance remaining on your account will be transferred to\nyour main share (savings) account. To receive a refund earlier, write to us at\nHonda Federal Credit Union\n19701 Hamilton Ave.\nSuite #130\nTorrance, CA 90502\nRESERVATIONS: When using your Account to make travel or lodging reservations, obtain the merchant\xe2\x80\x99s cancellation policy and follow it if you cancel.\nIf you cancel, obtain the merchant\xe2\x80\x99s cancellation number that it is required\nto give you. The merchant may charge you for a cancelled transaction unless\nyou can provide us with the merchant\xe2\x80\x99s cancellation.\nRECURRING TRANSACTIONS: If you authorize a merchant to charge your\nAccount for repeat transactions without your Card, you must notify the merchant when you want to discontinue the recurring transactions or if your\nAccount is closed or a new Account number is issued by us.\nMILITARY LENDING ACT; SEVERABILTY: Notwithstanding anything to the\ncontrary herein or any other agreement between the Credit Union and you,\nnothing shall require a \xe2\x80\x9ccovered borrower\xe2\x80\x9d under the Military Lending Act to\nsubmit any claim arising out of the Agreement to arbitration or impose on\nsuch borrower additional notice requirements beyond those imposed by, or\nresult in the waiver of legal recourse existing under, applicable law.\nPLEDGE OF SHARE ACCOUNT(S)\xe2\x80\x94NOTE (EXCLUDING VISA EQUITY\nGOLD CARD): In consideration of and as a condition for the Credit Union\nopening a Visa Credit Card account in your name and issuing a Visa\nCredit Card to you, you have agreed to a Pledge of Shares. You pledge\nto us and grant a security interest in all individual and joint accounts\nyou have with us now and in the future, to secure your Visa Credit Card\nAccount and all payments, interest, late charges and costs or expenses\nhereunder. You authorize us to apply the balance in these account(s)\nto pay any amounts due under this Agreement if you should default.\nThis Pledge of Shares does not apply to shares held in IRA and Keogh\naccounts.\n\nSHARE SECURED CLASSIC VISA: As collateral for amounts you may\nrequest to be advanced from time to time pursuant to this Visa Credit Card\nDisclosure and Agreement, you pledge and grant to the Credit Union a lien\non your designated Share Account, as indicated on the \xe2\x80\x9cShare Secured\nCredit Card Agreement,\xe2\x80\x9d in an amount sufficient to secure up to 100% of\nyour maximum credit limit. If you are in default under this Agreement,\nthe Credit Union may take sums from the designated Share Account and\nSpouse/Joint Applicant Share Account (if applicable) as set forth on the\nShare Secured Credit Card Agreement as payment on any amounts owed\nto the Credit Union by you. If the amounts pledged are not sufficient to pay\nall amounts owed to the Credit Union in full, you agree and acknowledge\nthat you will be responsible for any and all deficiencies, including any fees,\ncharges and costs, including without limitation reasonable attorney fees and\ncosts which may have been incurred by the Credit Union as a result of your\ndefault.\nYOUR BILLING RIGHTS \xe2\x80\x93 KEEP THIS DOCUMENT FOR FUTURE USE\nThis notice tells you about your rights and our responsibilities under the\nFair Credit Billing Act.\nWHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT If you\nthink there is an error on your statement, write to us at: Honda Federal\nCredit Union, 19701 Hamilton Ave., Suite 130, Torrance, CA 90502-1352.\nYou may also contact us on the web: www.hondafcu.org.\nIn your letter, give us the following information:\n\xe2\x80\xa2 Account Information: Your name and Account number.\n\xe2\x80\xa2 Dollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2 Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2 Within 60 days after the error appeared on your statement.\n\xe2\x80\xa2 At least 3 business days before an automated payment is scheduled, if\nyou want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing or electronically. You may\ncall us, but if you do we are not required to investigate any potential errors\nand you may have to pay the amount in question.\nWHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already 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. While we investigate whether or not there has been an error:\n\xe2\x80\xa2 We cannot try to collect the amount in question, or report you as\ndelinquent on that amount.\n\xe2\x80\xa2 The charge in question may remain on your statement, and we may\ncontinue to charge you interest on that amount.\n\xe2\x80\xa2 While you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2 We can apply any unpaid amount against your credit limit. After we\nfinish our investigation, one of two things will happen:\n1. If we made a mistake: You will not have to pay the amount in\nquestion or any interest or other fees related to that amount.\n2. If we do not believe there was a mistake: You will have to pay\nthe amount in question, along with applicable interest and fees.\nWe will send you a statement of the amount you owe and the date\npayment is due. We may then report you as delinquent if you do\nnot pay the amount 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\nso, we 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\n\n7\n\n8\n\nthe matter has been settled between us. If we do not follow all of the rules\nabove, you do not have to pay the first $50 of the amount you question even\nif your bill is correct.\nYOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT\nCARD 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\n2. 100 miles of your current mailing address, and the purchase price\nmust have been more than $50. (Note: Neither of these are necessary\nif your purchase was based on an advertisement we mailed to you, or\nif we own the company that sold you the goods or services.)\n3. You must have used your credit card for the purchase. Purchases\nmade with cash advances from an ATM or with a check that accesses your credit card account do not qualify.\n4. 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 or electronically at: Honda Federal\nCredit Union, 19701 Hamilton Ave., Suite 130, Torrance, CA 90502-1352.\nYou may also contact us on the web: www.hondafcu.org. While we investigate, the same rules apply to the disputed amount as discussed above.\nAfter we finish our investigation, we will tell you our decision. At that point,\nif we think you owe an amount and you do not pay, we may report you as\ndelinquent.\n\n(800) 634-6632 www.hondafcu.org\n19701 Hamilton Ave., Suite 130\nTorrance, California 90502-1352\n\nVISA\nCREDIT CARD\nDISCLOSURE AND\nAGREEMENT\n\nPLEASE KEEP THIS\nBROCHURE FOR YOUR\nRECORDS\n\nTHIS DISCLOSURE SUPERSEDES\nALL DISCLOSURES PRIOR TO THE\nEFFECTIVE DATE SHOWN BELOW\nEFFECTIVE APRIL 2019\nREV. 4/24/2019\n\n9\n\n\x0c'


b'Agreement\nCredit Card Agreement\nShell Federal Credit Union, P. O. BOX 578, Deer Park, Texas 77536\n713.844.1100 800.388.5542 FAX: 713.844.0694 www.shellfcu.org\nIn this Agreement, the words \xe2\x80\x9cwe,\xe2\x80\x9d \xe2\x80\x9cour,\xe2\x80\x9d \xe2\x80\x9cus,\xe2\x80\x9d and \xe2\x80\x9cCredit Union\xe2\x80\x9d mean Shell Federal Credit Union or its successors. \xe2\x80\x9cYou\xe2\x80\x9d and \xe2\x80\x9cyour\xe2\x80\x9d mean any person who signs\nthis Agreement or uses the Card. \xe2\x80\x9cThe Card\xe2\x80\x9d means any credit card issued to you or those designated by you under the terms of this Agreement. \xe2\x80\x9cUse of the Card\xe2\x80\x9d\nmeans any procedure used by you, or someone authorized by you, to make a purchase or obtain a cash advance whether or not the purchase or advance is evidenced\nby a signed written document. \xe2\x80\x9cUnauthorized use of the Card\xe2\x80\x9d means the use of the Card by someone other than you who does not have actual, implied, or apparent\nauthority for such use, and from which you receive no benefit.\nSecurity. YOU SPECIFICALLY GRANT US A CONSENSUAL SECURITY INTEREST IN ALL INDIVIDUAL AND JOINT ACCOUNTS YOU HAVE WITH\nUS NOW AND IN THE FUTURE TO SECURE REPAYMENT OF CREDIT EXTENSIONS MADE UNDER THIS AGREEMENT. THE GRANTING OF THIS\nSECURITY INTEREST IS A CONDITION FOR THE ISSUANCE OF ANY CARD, WHICH YOU MAY USE DIRECTLY OR INDIRECTLY, TO OBTAIN\nEXTENSIONS OF CREDIT UNDER THIS AGREEMENT.\nShares and deposits in an Individual Retirement Account or any other account that would lose special tax treatment under state or federal law if given are\nnot subject to the security interest you are giving.\n\nAdditional Security. If you have other loans with us, now or in the future, collateral securing those loans may also secure your obligations under\nthis Agreement. Please read any security agreement you sign in order to determine if the collateral also secures your obligations under this\nAgreement and other agreements you have with us.\n1)\nExtensions of Credit. If your Application is approved, the Credit Union may, at its discretion, establish a line of credit in your name and cause\none or more Cards to be issued to you or those designated by you. In such event, you authorize the Credit Union to pay for your account, all items reflecting\ncredit purchases and cash advances obtained through use of the Card. You may not use your Card for any illegal purpose or transaction. The Credit Union may\nrefuse to authorize any transaction that it believes to be illegal or that poses an undue risk or illegality. If we do process any transaction which ultimately is\ndetermined to have been for an illegal purpose, you agree that you will remain liable to us under this Agreement for any such transaction notwithstanding its\nillegal nature. You agree that any illegal use of the Card will be deemed an act of default under this Agreement. You further agree to waive any right to take\nlegal action against the Credit Union for illegal use of the Card and to indemnify and hold the Credit Union and MasterCard International, Inc. harmless from and\nagainst any lawsuits, other legal action or liability that results directly or indirectly from such illegal use.\n2)\nJoint Applicant Liability. If this Agreement is executed by more than one person, each of you shall be jointly and individually liable to us for all\ncharges made to the account, including applicable fees. In addition, you agree that each of you designates the other as agent for the purpose of making\npurchases extended under this Agreement and each use of your account shall be an extension of credit to all. Notice to one of you shall constitute notice to\nall. Any joint cardholder may remove him/herself from responsibility for future purchases at any time by notifying us in writing. However, removal from the\naccount does not release you from any liability already incurred.\n3)\nOthers Using Your Account. If you allow anyone else to use your Card, you will be liable for all credit extended to such persons. You promise to pay\nfor all purchases, balance transfers, and cash advances made by anyone whom you authorize to use your Card, whether or not you notify us that he or she\nwill be using it. If someone else is authorized to use your Card and you want to end that person\xe2\x80\x99s privilege, you must notify us in writing, and if he or she has a\nCard, you must return the Card with your written notice for it to be effective.\n4)\nCredit Limits. You promise the payments made for your account resulting from use of the Card will, at no time, cause the outstanding balance\nin your account to exceed your credit limit as disclosed to you at the time you received your Card or as adjusted from time to time at the discretion of the\nCredit Union.\n5)\nPromise To Pay. You promise to pay us in U.S. dollars for (a) all purchases, cash advances, and balance transfers made by you or anyone\nwhom you authorize to use the Card or account; (b) INTEREST CHARGES and other charges or fees; (c) collection costs and attorney\xe2\x80\x99s fees as permitted\nby applicable law and any costs incurred in the recovery of the Card; and (d) credit in excess of your credit limit that we may extend to you. At the end of\neach monthly billing cycle, you will be furnished with a periodic statement showing (i) the \xe2\x80\x9cprevious balance\xe2\x80\x9d (the outstanding balance in the account at the\nbeginning of the billing cycle), (ii) the amount of all cash advances, purchases, INTEREST CHARGES, and other fees and charges posted to your account\nduring the billing cycle, (iii) the amount of all payments and credits posted to your account during the billing cycle, and (iv) the \xe2\x80\x9cnew balance\xe2\x80\x9d which is the\nsum of (i) and (ii) less (iii).\nYou agree to pay on or before the \xe2\x80\x9cpayment due date\xe2\x80\x9d shown on the periodic statement either the entire \xe2\x80\x9cNew Balance,\xe2\x80\x9d or the minimum payment shown on\nthe statement. Generally, the \xe2\x80\x9cminimum payment\xe2\x80\x9d will equal 3% of the New Balance or $30, whichever is greater. If the New Balance is $30 or less, you will\npay in full. You also agree to pay by the payment due date any amounts in excess of the credit limit established by us and any past due minimum payments.\nYou may make extra payments in advance of the due date without a penalty, and you may repay any funds advanced, credit extended, or amount outstanding at\nany time without a penalty for early payment. Regardless of the amount of any extra payment during a given month, a monthly payment will be required the\nfollowing month if a balance remains in your account. The Credit Union may also, from time to time and at its option, offer you the opportunity to skip a payment. If\nyou decide to skip a payment, an INTEREST CHARGE will continue to accrue on the balance in the account at the applicable periodic rate in accordance with\nthis Agreement, and the payment terms applicable to the account prior to the skipped payment will automatically resume in the month immediately following\nthe month in which you have skipped a payment.\n6)\nCost of Credit. You will pay an INTEREST CHARGE for all advances made against your account. INTEREST CHARGES for cash advances and\nbalance transfers begin to accrue on the date of the advance. New purchases will not incur an INTEREST CHARGE on the date they are posted to your\naccount if you have paid the account in full by the Payment Due Date shown on your previous monthly statement, or if there was no previous balance.\n{00221605 DOC}Rev. 06/2018\n\n\x0cThe Payment Due Date will be no less than 21 days from the billing cycle closing date shown on your statement. No additional INTEREST CHARGE will be\nimposed on purchases whenever you pay the account in full on or before the Payment Due Date reflected on your statement. Your periodic rates and\ncorresponding ANNUAL PERCENTAGE RATES are set forth in the Account Opening Disclosures enclosed with and incorporated by reference into this\nAgreement. If your account features an Introductory Rate, you will pay an Introductory Rate INTEREST CHARGE for all advances made at the periodic rate\nand corresponding ANNUAL PERCENTAGE RATE and for the time period set forth in the Account Opening Disclosures (\xe2\x80\x9cIntroductory Rate\xe2\x80\x9d). Thereafter, or if\nthere is no Introductory Rate, the periodic rate used to compute the INTEREST CHARGE for all advances will be either a non-variable rate or a variable rate\nbased on an index (the \xe2\x80\x9cIndex\xe2\x80\x9d), which is the Prime Rate as published in the Money Rates section of The Wall Street Journal on the last business day of each\nmonth and is subject to change monthly. Any change in the Index will be effective on the first day of the month following the date of the change. An increase in\nthe Index will result in an increase in the periodic rate, which in turn, may result in higher payments.\nThe ANNUAL PERCENTAGE RATE for purchases in any given billing cycle, except for any Introductory Rate or Non-variable Rate period, will be the Index\nplus the Purchases Base Rate as set forth in the Account Opening Disclosures. The ANNUAL PERCENTAGE RATE for cash advances in any given billing\ncycle, except for any Introductory Rate or Non-variable Rate Period, will be the Index plus the Cash Advances Base Rate as set forth in the Account Opening\nDisclosures. The ANNUAL PERCENTAGE RATE for balance transfers in any given billing cycle, except for any Introductory Rate or Non-variable Rate Period\nwill be the Index plus the Purchases Base Rate as set forth in the Account Opening Disclosures. These ANNUAL PERCENTAGE RATES are collectively\nreferred to in this Agreement as the Standard Rate. The initial Standard Rate daily periodic rates and corresponding ANNUAL PERCENTAGE RATES for\npurchases, cash advances, and balance transfers for your account are set forth in the Account Opening Disclosures. The Standard Rate will never be\ngreater than a Daily Periodic Rate of .049288% with a corresponding ANNUAL PERCENTAGE RATE of 17.99%.\nIn addition to the variable-rate and non-variable rate features of your account, the ANNUAL PERCENTAGE RATE after any introductory period is also\nbased on certain creditworthiness criteria. After your account has been open for at least one year, we may review your credit standing every six months and\nadjust your periodic rate and corresponding ANNUAL PERCENTAGE RATE by providing you with advance notice in accordance with applicable law. If we\nadjust your ANNUAL PERCENTAGE RATE based on your credit standing, your Purchases Base Rate and Cash Advances Base Rate will also change or your\nrate may be changed from a variable rate to a non-variable rate or from a non-variable rate to a variable rate. We will advise you of these changes in a written\nchange-in-terms notice. Any changes to your rates will only affect balances incurred after the effective date of the change and the new rates may remain in\neffect indefinitely. Current balances will continue to be subject to the rates in effect before the date of the change. Please refer to your Account Opening\nDisclosures for the current ANNUAL PERCENTAGE RATES applicable to your Account.\nA portion of the INTEREST CHARGE is figured by applying the applicable Daily Periodic Rate to the Average Daily Balance of your Account for each feature\ncategory, including certain current transactions. Feature categories include purchases, balance transfers, and cash advances. The Average Daily Balance is\narrived at by taking the beginning balance of each feature category each day and adding any new transactions to the balance, except if you have paid your\nAccount in full by the Payment Due Date shown on the previous monthly statement or there is no previous balance, new purchases are not added to the\npurchases balance. Balance transfers may be shown on your statement in the Promotions feature category. When determining balances, we may combine\nfeature category balances that have the same periodic rate and other INTEREST CHARGE terms. We then subtract any payments or credits and unpaid\nINTEREST CHARGES allocated to the feature category balance for the day. This gives us the daily balance for the feature category. The daily balances for\neach feature category are then added together and divided by the number of days in the billing cycle. The result is the Average Daily Balance for each feature\ncategory. The periodic INTEREST CHARGE is determined by multiplying each feature category Average Daily Balance by the number of days in the billing\ncycle and applying the applicable Daily Periodic Rate to the product. The total INTEREST CHARGE for each statement period is the sum of the periodic\nINTEREST CHARGES for each feature category plus any non-periodic INTEREST CHARGES.\n7)\nOther Charges. The following other charges (fees) will be added to your account, as applicable:\n\xe2\x80\xa2\nATM Fee. If you obtain a cash advance by using an automated teller machine, you may be charged any amounts imposed upon the Credit Union by\nthe owner or operator of the machine. Any charge made under this paragraph will be added to the balance of your account and treated as a purchase.\n\xe2\x80\xa2\nCollection Cost Fee. You agree to pay all reasonable costs of collection, including court costs and attorney\xe2\x80\x99s fees imposed and any costs incurred in\nthe recovery of the Card.\n\xe2\x80\xa2\nReturn Payment Fee. If a check, share draft or other order used to make a payment on your account is returned unpaid, you may be charged a fee\nof $25 for each item returned.\n\xe2\x80\xa2\nLate Payment Fee. If your minimum required payment is not received by the Payment Due Date listed on your periodic statement, a charge of $25\nmay be added to your account. In no event will your Late Payment Fee exceed the minimum required payment due.\n\xe2\x80\xa2\nCard Replacement Fee. You may be charged $5 for each replacement Card that is issued to you for any reason.\n\xe2\x80\xa2\nDocument Copy Fee. You may be charged $4 for each copy of a sales draft or statement that you request (except when the request is made in\nconjunction with a billing error made by the Credit Union).\n\xe2\x80\xa2\nAnnual Fee. If your account is subject to a non-variable rate at any time, an Annual Fee of $45 will be charged to your account at account opening and\nannually thereafter on or around the anniversary date of the opening of your account. The Annual Fee is nonrefundable and will be charged each year your\naccount is open or has a balance due while subject to a non-variable rate, even if charging privileges have been terminated. The Annual Fee will not apply\nwhen your account is subject to a variable rate.\n8)\nCredit Insurance. If available, credit insurance is not required for any extension of credit under this Agreement. However, you may purchase any\ncredit insurance available through the Credit Union and have the premium added to the outstanding balance in your account. If you elect to do so, you will be\ngiven the necessary disclosures and documents separately.\n9)\nLiability for Unauthorized Use. You may be liable for the unauthorized use of your Card, up to $50. If you notice the loss or theft of your Card or a\npossible unauthorized use of your Card, you should call us immediately at: (800) 442-4757\nYou may also write us at: Credit Card Center, P.O. Box 495937, Cincinnati, OH 45249-5937\nAlthough you may write to notify us of unauthorized use, calling us immediately at the telephone number above is the best way to keep your possible losses\ndown.\nUnder MasterCard\xe2\x80\x99s zero liability policy, you will not be liable for any unauthorized use of your MasterCard if: (1) you have exercised reasonable care in\nsafeguarding your Card from the risk of loss or theft; (2) upon becoming aware of such loss or theft, promptly report the loss or theft to the issuer.\nMasterCard\xe2\x80\x99s zero liability coverage also applies to PIN-based POS transactions and ATM transactions.\nYou will not be liable for any unauthorized use that occurs after you notify us. You may, however, be liable for unauthorized use that occurs before your\nnotice to us. In any case, your liability will not exceed $50.\n{00221605 DOC}Rev. 06/2018\n\n\x0c10)\nCrediting of Payments. We do not charge for payments made by mail or other standard payment methods approved by us. If we charge a fee\nfor any expedited payment service we offer, that fee will be disclosed to you at the time you request the service. All payments made on your account at the\naddress designated for payment on the monthly periodic statement or by any other payment method approved by us will be credited to your account on the\ndate of receipt. If the date of receipt for a mailed payment to the address designated on the periodic statement is not a business day, your payment will be\ncredited on the first business day following receipt. If payment is made at any location other than the address designated on the periodic statement or by\nany other payment method not approved by us, credit for such payment may be delayed up to five days. If you make a payment in an amount of $1,500\nor more, we may delay the corresponding replenishment of your credit line for up to three business days following our receipt of the payment. All required\nminimum payments on your account will be applied first to collection costs, then to any INTEREST CHARGE and other fees due, and then to the unpaid\nprincipal balance of the purchase, cash advance, and balance transfer transaction categories at our discretion. Amounts paid in excess of the required\nminimum payment will be applied first to the balances with the highest interest rates. Interest paid or agreed to be paid shall not exceed the maximum\namount permissible under applicable law, and in any contingency whatsoever, if we shall receive anything of value deemed interest under applicable law\nwhich would exceed the maximum amount of interest permissible under applicable law, the excessive interest shall be applied to the reduction of the unpaid\nprincipal amount or refunded to you.\n11)\nDefault. You will be in default: (1) if you fail to make any payment on time; (2) if you fail to keep any promises you have made under this or any\nother Agreement with the Credit Union; (3) if you are the subject of an order for relief under Title 11 of the U.S. Code (Bankruptcy); (4) if anyone tries, by\nlegal process, to take any of your money in the Credit Union; (5) if you have given the Credit Union false or inaccurate information in obtaining your Card; or\n(6) if anything happens which the Credit Union reasonably believes endangers your ability to repay what you owe.\n12)\nAcceleration. If you are in default, the Credit Union may, without prior notice to you, call any amounts you still owe immediately due and payable plus\nINTEREST CHARGES, which shall continue to accrue until the entire amount is paid. You expressly waive any right to notice or demand, including but not\nlimited to, demand upon default, notice of intention to accelerate, and notice of acceleration. The Card remains the property of the Credit Union at all times,\nand you agree to immediately surrender the Card upon demand of the Credit Union.\n13)\nAdditional Benefits/Card Enhancements. The Credit Union may from time to time offer additional services to your account at no additional cost to\nyou. You understand that the Credit Union is not obligated to offer such services and may withdraw or change them at any time.\n14)\nConvenience Checks. The Credit Union may, at its discretion, issue checks to you which may be used for any purpose other than making a\npayment for credit to your account. By signing such check, you authorize the Credit Union to pay the item for the amount indicated and post such amount as a\ncash advance to your account. The Credit Union does not have to pay any item, which would cause the outstanding balance in your account to exceed your\ncredit limit. Charges that apply in connection with the use of Convenience Checks are as follows: Copy of Paid Check $3; Stop Payment on Check $25;\nNon-Sufficient Funds Check (NSF) $25. Fees will be assessed at the time they are incurred.\n15)\nContinuation of Credit. The Credit Union may from time to time request personal information from you for the purpose of updating your credit\nstatus, according to normal credit procedures. Your failure to provide such information when requested by the Credit Union may result in suspension of your line\nof credit privileges under this Agreement, including your ability to obtain any future advances by any means.\n16)\nInternational Transactions. If you effect an international transaction with your MasterCard, MasterCard International will convert the charge\ninto a U.S. dollar amount. MasterCard International will use its currency conversion procedure, which is disclosed to institutions that issue MasterCard\ncards. Currently, the currency conversion rate used by MasterCard International to determine the transaction amount in U.S. dollars for such transactions\nis generally either a government-mandated exchange rate or a wholesale exchange rate selected by MasterCard International for the applicable currency\non the day the transaction is processed, which rate may differ from the applicable rate on the date the transaction occurred or when the transaction is\nposted to your account. We will charge a Foreign Transaction Fee of up to 1% of the transaction amount in U.S. dollars on all international purchase, cash\ndisbursement, and account credit transactions. There is no grace period in which to repay an international transaction amount in order to avoid the Foreign\nTransaction Fee.\n17)\nTermination or Changes. The Credit Union may terminate this Agreement at any time subject to such notice as may be required by applicable\nlaw. You may terminate this Agreement, by written notice, as to future advances at any time. Termination by either party shall not affect your obligation to\nrepay any payments made for your account resulting from use of the Card as well as INTEREST CHARGES and other related charges. The Credit Union\nmay add to, change, or delete the terms of this Agreement, including the method of calculating the periodic rate, at any time subject to such notice as may\nbe required by applicable law. If you use your Card or account to make a purchase or cash advance after having been given notice of a change in terms,\nyou agree that the existing balance in your account at the time of that use will be subject to the new terms, as shall subsequent uses, to the extent permitted\nby law.\n18)\nCredit Information. You authorize the Credit Union to investigate your credit standing and employment history when opening or reviewing\nyour account. You authorize the Credit Union to disclose information regarding your account to credit bureaus and creditors who inquire about your credit\nstanding.\n19)\nNotification Address for Information Reported to Consumer Reporting Agencies. We may report the status and payment history of your\naccount to credit reporting agencies each month. If you believe that the information we have reported is inaccurate or incomplete, please notify us in writing at\nShell Federal Credit Union, P.O. Box 578, Deer Park, Texas 77536. Please include your name, address, home telephone number and account number, and\nidentify the information you believe is incorrect. If your notification relates to an incident of identity theft, we will require a copy of your identity theft report filed with\nlaw enforcement authorities.\n20)\nStatements and Notices. Statements and notices will be mailed to you at the most recent address you have given the Credit Union. You agree to\ngive us prompt notice of any change in your name, mailing address, telephone number or place of employment.\n21)\nCopy Received. By using the Card or the account, you agree to all the terms and conditions and promise to perform all the obligations,\nrequirements, and duties contained in this Agreement, and if you signed the Credit Card Application, you acknowledge that you have received a copy of\nthis Agreement.\n22)\nAdditional Provisions. Each provision of this Agreement must be considered as part of the total Agreement and cannot, in any way, be severed from\nit. However, you also agree that should any part of the Agreement be found invalid, it will in no way affect the remainder of the Agreement.\n{00221605 DOC}Rev. 06/2018\n\n\x0cYou understand the validity, construction, and enforcement of this Agreement shall be governed by the laws of the State of Texas and federal law. Use\nof your Card is also subject to the policies and rules of MasterCard International, as applicable and in effect from time to time, which do not conflict with\nthe terms of this Agreement. The Credit Union does not warrant any merchandise or services purchased by you with the Card. All purchases and cash\nadvances are extended at the option of the merchant or cash advancing financial institution and the Credit Union is not responsible for refusal of any\nmerchant or financial institution to honor your Card. We can accept late payments or partial payments or checks or money orders marked \xe2\x80\x9cpayment in full\xe2\x80\x9d\nwithout losing any of our rights under this Agreement. We can also delay enforcing any of our rights under this Agreement without losing them.\nMilitary Lending Act Disclosures: Federal law provides important protections to members of the Armed Forces and their dependents relating to extension\nof consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual\npercentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance\npremiums, fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for\nspecified credit transactions or accounts); and any participation fee charged (other than certain application participation fees for a credit card account).\nPlease call us at 1(800)388-5542 to receive oral disclosures.\nYour Billing Rights: Keep this Document for Future Use\nThis notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.\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: Shell Federal Credit Union P.O. Box 578, Deer Park, TX 77536\nIn your letter, give us the following information:\n\xe2\x80\xa2\nAccount information: Your name and account number.\n\xe2\x80\xa2\nDollar amount: The dollar amount of the suspected error.\n\xe2\x80\xa2\nDescription of problem: If you think there is an error on your statement, describe what you believe is wrong and why you believe it is a mistake.\nYou must contact us:\n\xe2\x80\xa2\nWithin 60 days after the error appeared on your statement.\n\xe2\x80\xa2\nAt least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.\nYou must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to\npay the amount in question.\nWhat Will Happen After We Receive Your Letter\nWhen we receive your letter, we must do two things:\n1. Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.\n2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe your statement is correct.\nWhile we investigate whether or not there has been an error:\n\xe2\x80\xa2\nWe cannot try to collect the amount in question, or report you as delinquent on that amount.\n\xe2\x80\xa2\nThe charge in question may remain on your statement, and we may continue to charge you interest on that amount.\n\xe2\x80\xa2\nWhile you do not have to pay the amount in question, you are responsible for the remainder of your balance.\n\xe2\x80\xa2\nWe can apply any unpaid amount against your credit limit.\nAfter we finish our investigation, one of two things will happen:\n\xe2\x80\xa2\nIf we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount.\n\xe2\x80\xa2\nIf we do not believe there was a mistake: You will have to pay the amount in question along with applicable interest and fees. We will send you a\nstatement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.\nIf you receive our explanation but still believe your statement is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so,\nwe cannot report you as delinquent without also reporting that you are questioning your statement. We must tell you the name of anyone to whom we\nreported you as delinquent, and we must let those organizations know when the matter has been settled between us.\nIf we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct.\nYour Rights if You are Dissatisfied with Your Credit Card Purchases\nIf you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the\nmerchant, you may have the right not to pay the remaining amount due 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 miles of your current mailing address, and the purchase price must have been\nmore than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold\nyou the goods or services.)\n2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card\nAccount do not qualify.\n3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:\nShell Federal Credit Union P.O. Box 578, Deer Park, TX 77536\nWhile we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At\nthat point, if we think you owe an amount and you do not pay, we may report you as delinquent.\n{00221605 DOC}Rev. 06/2018\n\n\x0cShell Federal Credit Union\nImportant Account Terms\nInterest Rates and Interest Charges\nAnnual Percentage Rate (APR)\n2.99% introductory APR for the first twelve months\nfor Purchases\nAfter that, your APR will be based on your credit worthiness.\nThe variable APR will vary with the market based on the\nPrime Rate, and will not exceed 17.99% (Standard Rate).\nAPR Cash Advances and\nBalance Transfers\n\nPaying Interest\n\nFor Credit Card Tips from the\nConsumer Financial Protection\nBureau\n\nFees\nAnnual Fee\nTransaction Fees\n\xef\x82\xb7 Balance Transfer\n\xef\x82\xb7 Cash Advance\n\xef\x82\xb7 Foreign Transaction\nPenalty Fees\n\xef\x82\xb7 Late Payment\n\xef\x82\xb7 Returned Payment\n\n2.99% introductory APR for the first twelve months. After\nthat, your APR will be based on your credit worthiness. The\nvariable APR will vary with the marked based on the Prime\nRate, and will not exceed 17.99% (Standard Rate).\nYour due date is at least 21 days after the close of each billing\ncycle. We will not charge you interest on purchases if you pay\nyour entire balance by the due date each month. We will begin\ncharging interest on cash advances and balance transfers on the\ntransaction date.\nTo learn more about factors to consider when applying for or\nusing a credit card, visit the website of the Consumer Financial\nProtection Bureau at\nhttp://www.consumerfinance.gov/learnmore.\n\nNone*\n$0\n$0\nUp to 1% of each transaction in U.S. dollars.\nUp to $25\nUp to $25\n\n*$0 Annual Fee only applies to variable-rate credit cards.\n**$45 Annual Fee only applies to accounts with a 17.99% APR.\nHow We Will Calculate Your Balance: We use a method called \xe2\x80\x9caverage daily balance (including new purchases).\xe2\x80\x9d\nBilling Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in the\nenclosed Credit Card Agreement.\nAs provided in the Credit Card Agreement, after your account has been open for one year, we may additionally adjust\nyour Standard Rate for all advances to a variable rate based on a periodic review of your credit standing. If we adjust\nyour account to a variable rate, the purchases Standard Rate will range from a rate equal to the Index plus a\nPurchase Base Rate of 3.75% to 10.75%. The cash advances Standard Rate will range from a rate equal to the Index\nplus a Cash Advances Base Rate of 3.75% to 10.75%. Standard Rate Daily Periodic Rate will not exceed 0.049288%\n(17.99% ANNUAL PERCENTAGE RATE); and the cash advances Standard Rate Daily Periodic Rate will not exceed\n0.49288% (17.99% ANNUAL PERCENTAGE RATE). Rates may change in the future due to changes in the Index. In\naddition, when periodically reviewing your credit standing, we also may choose to convert the Standard Rate for all\nadvances from a variable rate to non-variable Daily Periodic Rate of 0.049288% (17.99% ANNUAL PERCENTAGE\nRATE).\nThis information about the costs of the card described in this application is accurate as of 09/2018.\nThis information may have changed after that date. To find out what may have changed, write to us at Shell Federal\nCredit Union, P.O. Box 578, Deer Park, TX 77536\n\n{00221890.DOC}\n\n\x0c'